23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Accounts XXXX. XXXX XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number # XXXX
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX I received an envelope from Cash App with a debit card in it. It was addressed to me at my home. I do not have a Cash App account so I believe someone opened an account in my name for fraudulent purposes. Over the next couple days I attempted to contact them via phone, only to find that it is literally impossible to reach anyone this way. 

Their website says to use their app to reach support, but I can not use their app without creating a Cash App profile. I am not creating a profile just to report that my identity has been stolen. 

The following weekend we received another Cash App debit card at our address ( this time without a real name ), which means at least two fraudulent accounts are linked to us. 

On or around XX/XX/XXXX I used the Square " contact us '' form to ask for help since Square is the parent company of Cash App. Square simply told me to use the Cash App phone app for support, even after I explained why I can't. Then they stopped responding to me. 

I saw that on their app review page, Cash App steers people to XXXX or XXXX for support. On XX/XX/XXXX I sent a XXXX DM to @ CashSupport asking for their help. I sent another later that morning, and another on the XXXX, XXXX and XXXX ( today ). They have not responded. 

It is EXTREMELY frustrating and stressful that I can not reach anyone there to report fraud. Whatever illicit activities these accounts are used for, Cash App has been willing to let that continue unabated. Meanwhile I am the one who will get blamed in the end, since the fraudsters used my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
Product: Debt collection

XXXX sold my debt to True Accord and I made all of the payments and paid this debt off completely on XX/XX/XXXX! XXXX is still reporting that I owe a balance of {$690.00} and is negatively impacting my credit! I am unable to buy a home because of this! XXXX reported this balance again this XX/XX/XXXX! The debt has been paid in full for over 4 months now and I am now going to rake legal action against XXXX if this balance isnt removed from my credit IMMEDIATELY!
Product: Credit card or prepaid card

On XX/XX/2023, I received a letter from Chase that they were closing my credit card account. They refused to offer a reason. My complaint is that I was charged a {$550.00} annual fee in XXXX for use of the card. Since they closed my account, I can't use the card for almost all of 2023, but they are refusing to credit me for the annual fee.
Product: Credit card or prepaid card

On XX/XX/2021 I enrolled in a interest free cash transfer and of XXXX dollars plus a XXXX dollar transfer fee which went through perfectly. Except a week later when looking at my statement the trans action was input twice the cash transfer of XXXX dollars and the XXXX dollar transfer fee. I have been calling for about 3 weeks and they XXXX Bank who issued the XXXX master card keep telling me they will correct it and they informed me it happened to a lot of people in error. My main concern is that it has dropped my credit score due to the cards over limit that they caused.
Product: Student loan

Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?
Product: Checking or savings account

On XX/XX/year>, I was informed that my husband would be sending me a check for {$49000.00} to be deposited into our account at Citi Bank. After speaking with the bank manager, it was discovered that the check was filled out incorrectly. A new check was promptly sent so that we could proceed with the deposit, as we needed the funds for the house we are looking to purchase. 

As I was logging in to check the status of the {$49000.00} check, I found that the check was pending. However, my account was closed voluntarily before the check could be processed. After I clarified with the bank that I was the one depositing that amount, they concluded that the check was invalid and suspected it to be fraudulent. 

While I was away on a business trip, I had {$130.00} in my XXXX Account and {$190.00} in my savings. XX/XX/year>, marks the 30-day period for them to send the remaining funds in my account. Unfortunately, I don't live near any branches, which I was repeatedly told. Now they are unable to send the funds because the account needs to be completely closed for 60 days. 

I was told that I could call back to request the faster and they didn't hold their promise. I really hope you all can help me. 

I have requested a copy of the check, but it has not been returned to me promptly.
Product: Credit reporting or other personal consumer reports

Problem is Experien reporting some type of child support debt from Arkansas, which is duplicating the Florida Child support already on credit report. The amounts are unknown as Experien keeps reporting different amounts that vary in tXXXX XXXX XXXX XXXX XXXX. I can provide screen shots. The company has taken no action to actually verify the debt nor has it acknowledged a signed court order showing that the Jurisdiction for this matter is in Alabama. Experien has not acknowledged as well that it is duplicating a debt in Florida and Alabama which makes it appear I owe two separate states some type of child support. Experien will not acknowledge a judges signed order that the matter only has jurisdiction in Alabama. The amount can be over $ XXXX or $ XXXX or even $ XXXX approximately. I've attached screenshot of the $ XXXX and can provide more if needed, but even with that Experien always reporting inaccurate amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the XXXX link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by XXXX I did not authorize this inquiry
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL, XXXX ;. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

Company repeatedly calls from various numbers from XXXX, Florida and no one speaks. Whenever I inadvertently pick up, I get the automated message of who the company is calling and then attempted to put me through to a live person, which automatically disconnects. I have currently blocked the numbers that have called from the area code but they keep changing the numbers that call me. Below are a few recent calls with dates and attached numbers. All times are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage last year. I never had a problem with XXXX. My first payment to Carrington was cashed, but not applied to my mortgage as they claimed it did not contain the supposed late payments they were owed. I continued to make payments to Carrington with no ill effects thru XXXX. On XXXX XXXX I recieved notice from Carrington for an amount owed to get current. I was confused as I had sent every payment in to Carington. Carrington then claimed that they had not applied any payments i had sent them and i was to send them back payments for over {$35000.00}. I thought it was odd and sent them the check for $ XXXX. Carrington returned the check on XXXX for over claiming that the amount was too large and needed to be sent by certified funds or wire. On XXXX I called Carrington to get wiring instructons to pay the amount due and was told by ( XXXX, no last name given when asked emplyment # XXXX ) I was now in Forecloure and certified mail was sent on numerous occasions although I nor my post office has record of same. I was also told by XXXX that as a result of Foreclousre action additional funds including attorney fees would be required and I would get a phone call with said amount within 72 hours. She also stated that a re-instatement procedure would be implemented so once they called me with required payment my mortgage would be re-instated. I never recived a call from Carrington within said 72 hours so i called them on XXXX and was told by XXXX, ( no last name or employment number, he didnt seem to know what an emplyment number was ) that " no new information was available and the amount owed was not known at this time '' .I asked who his supervisor was and he stated XXXX XXXX , but she was in a meeting for the rest of the day and she was currently unavailable. he also stated that he had left her a message to call me by the end of the day, I have yet to hear from XXXX XXXX. I also asked XXXX for a contact at the Foreclosure Attorney, they gave me the name and number of XXXX and XXXX. I contacted XXXX and spoke to XXXX, he told me they sent the reqiuired information to Carrington on XXXX. I again called Carrington on XXXX to verify that they recived the info from XXXX and they had no record. I finally talked to Carrington today XXXX as was told they did have the amount due information and it would be faxed to my personal fax number and mailed to my home address by certified mail. I have yet to recieve said information. I 'm just trying to make my mortgage payment and I want the amount due with instruction on how to pay same. I have not recieved any information on the amount due, attorney fees or supposed penalites that Carrington may be demanding. I 've done nothing wrong, Carrington has refused payment, has acted grossly negligent, lied on numerous occasions and failed to follow up when promised. I ask the CFPB to investigate this matter and advise on how i can be compensated and protected from future unfair treatment by Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose. 

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Product: Credit card or prepaid card

Was unable to make an online payment on my Lane Brant - Comenity card for {$50.00} because their system was down for an upgrade so i made the payment over the phone for {$50.00}. They took out two {$50.00} payments on that day. I still didnt get a statement from the so i called again and they said i had made one {$50.00} payment and the other transaction was a reversal. I provided everything they asked for to dispute it including a written statement, copies of my bank account, transaction numbers, but their responses were vague and stated they didnt receive the payment. I went to my bank in person and met with a bank officer who verified that both transactions were payments to Comenity bank and no payment reverals had ever occurred. I have spent hours on the phone trying to resolve this and have now just paid the balance and closed the card account on the same phonecall. A month later, I received another statement for XXXX and a XXXX late fee. Additionally, the address XXXX street name and town ) on my statements was spelled incorrectly and the customer service agents could barely speak english making it almost impossible to converse. My statements online were changed after i called to complain. I do have the paper statements to prove this.
Product: Credit card or prepaid card

They reported me after they said they had made the mistake of charging me and that it would n't go against me.
Product: Credit card or prepaid card

On XX/XX/2020, I received two separate emails from citi that my credit card limit had been lowered. I have two credit cards with this bank ( One email per card ). The first email stated " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4100.00}. Your current account balance is {$3900.00} '' The original limit on this card had been {$4600.00}. They lowered it down to where I was only about {$100.00} away from going over the limit. 

The other email stated : " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$900.00}. Your current account balance is {$870.00} '' The original limit on this card had been {$2000.00}. They lowered it down to where I was only about {$25.00} away from going over the limit. '' I have never had an account where my credit limit was lowered by a creditor and lowered to where it's within {$25.00} - {$100.00} from the limit. There have been no drastic changes to my credit history that would warrant them to do this. All payments to citi have been made on time. This is a sleezy and unfair move made by citi and will affect my credit. I will be closing my account with them after they're fully paid within a couple months.
Product: Credit reporting

To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus XXXX, Transunion and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

We have submitted 2 loss mitagation hardship packets to Freedom Mortgage. Both packets were rejected, due to missing documents. We have submitted the documents that were advised were missing in the initial submission, both times, and also resubmitted the documents a second time and was still rejected due to these documents not be received/processed or even lost by the mortgage company. The first loss mitigation packet was submitted in XX/XX/XXXX, and the reported missing documents were sent within a week of receiving the letter on XX/XX/2018. And with the 2nd packet submitted, we received a letter on XX/XX/2018 that also said there were missing documents. We submitted these again by the XX/XX/XXXX. I also spoke to a XXXX on XX/XX/18 and she said the documents were received and submitted for processing. I believe that the mortgage company is not accepting my wifes paycheck stubs on both occasions. We have made several attempts and phone calls to Freedom Mortgage and they have continued to reject our loss mitigation application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$310.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$9100.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I cancelled my XXXX  account back on XX/XX/XXXX because I had been victim of an scam. Basically I sold an online service to a person and that person later on claimed to XXXX  the he/she did not receive the goods. I provided XXXX with all the documentation that proved I had provided the goods to the person and they failed against me so a negative balanced showed in my account. After that experience, I decided to close my XXXX  account and removing all my credit/debit cards as well as bank information. In order to remove any payment method from XXXX, you can not have any outstanding balance so by the time I closed the account, I did not have any debt with XXXX. 

It turns out that today XX/XX/XXXX, after 6 months of having my account closed, I received a letter from ACI ( american coradius international ) company regarding a balance of {$150.00} that I had not paid to XXXX which does not make any sense because I had already closed my account ( this means that I had XXXX debt ). Since I no longer have a XXXX account, I can not reach customer service and XXXX does not have a dedicated human phone line.