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

i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XXXX XXXX XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XXXX of XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XXXX account of my reports.they made me call ERC ( enhanced recovery company llc ) i called the about the issue and they told me there was a balance for XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureaus stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card

Bought a fridge from Home Depot - interest rate on their card is 25 % - Yesterday XXXX - got letter from Citi-Bank - raising their interest rate to 27.34 % on purchases. One can opt out and they will cancel your card. These interest rates are XXXX!!!! News just said late fees will be capped at {$8.00} and the response from the companies is that they will have to raise interest rates. Interest rates should be capped at no more than 15 %. People that offer the cards pay 3 % so their customers can use them. Somebody - you? has got to do something to cap credit card interest rates so people can use them and pay for what they buy at a reasonable rate. Thanks for listening!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Product: Mortgage

I submitted a complaint recently about a HELOC from XXXX XXXX   unconfirmed debt from XXXX. XXXX XXXX XXXX has sent me a letter of intent to foreclose. My mortgage was modified in XXXX with XXXX  XXXX XXXX. I never took out a loan or HELOC with XXXX XXXX XXXX. I pay my mortgage to XXXX XXXX   XXXX each and every month for the past 10 years. I paid the payments in the condo, for 10 years straight blood, sweat, and tears. SLS paid nothing. You already made my life XXXX by negative credit reporting for 4 years straight. I paid for 11 years straight. I was offered no options. Nothing is for free.
Product: Money transfer, virtual currency, or money service

I am writing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions caused significant inconvenience and financial loss ; I seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/XXXX my father passed away unexpectedly. As of today XX/XX/XXXX my sister and I as co trustees still have no access to his Wells Fargo accounts. Numerous botched attempts by several branches have resulted in thousands of dollars out of my sisters and my bank accounts to pay bills. Further several sources of income and auto deposits have been stopped. Late fees, demand notices and penalties have accrued. How long can it really take to add surviving children who are co- trustees to 5 accounts that were already in the trust? All docs required several times. Most importantly though there is no possible way to escalate and get resolution. Grieving surviving children have been ignored, tossed to different people, sent back to branches during COVID, and generally left to spend hours trying to resolve. Never experienced anything like this in my life.
Product: Mortgage

Three days before our scheduled closing date of XX/XX/20, the Mortgage Loan Originator called to tell me that our loan was not approved. This was after receiving a preliminary approval letter on XX/XX/20 at which date and personal meeting with loan originator we reviewed in detail any potential problems. There are no disclaimers on our conditional loan approval indicating any reservations about our ability to get a conventional mortgage. We came under contract with the seller of the property we wanted on XX/XX/20 and submitted a {$5000.00} deposit. We submitted every document that the loan originator requested within hours of said request. On the other hand, we continuously called his office for feedback and next steps ( we have copies of text messages and other correspondence ). We had an earie feeling that we were being lied to about the speed and competency that our paperwork was being processed for the underwriter. On XX/XX/20 our realtor informed us that an appriasal had not been scheduled even though we paid for it on XX/XX/20. As of XX/XX/20, we were told we were on track that appraisal would be done that day and turned around in 24 hours so we secured a Homeowners Policy. On XXXX XXXX on XX/XX/20 the loan originator called to tell me that we did not qualify for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, Experian, XXXX and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on Experian a total balance of {$8400.00}. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 

Experian, XXXX and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Product: Bank account or service

I have been a Bank of America for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a XXXX report, regarding a US Bank account from 4.5 years ago, i instigated a dispute on a transaction - a pizza that never arrived, with my bank. It was about a XXXX $ overdraft and I consisted the issue resolved once it was removed. A few weeks later, the dispute was declined, despite the fact I never actually got my food. 

They continued to overdraft me and stack fees on me, despite the fact I did not receive what I paid for. Id like this removed from my XXXX. I dont even need my money back, I just dont want this false mark of who I am - account abuse, on my report. I did not commit account abuse. I talked to the agent and outlined my issues - food not delivered Hopefully this doesnt come off rude, I love US Bank , I just dont understand why Im being held accountable for this? I was told my debit card comes with protections against purchases that I never recieved the product.
Product: Credit card or prepaid card

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$760.00} from diversified consult on XX/XX/2018. This credit card is unauthorized transaction and maybe identity theft is considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau 's but more so Experian in recent attempts to remove duplicated reporting. A charge off debt means the original creditor no longer owns the debt. It has been sold to a second party for collections. However it is reported as charge off from the original debtor it is not reported zero owed for some accounts. Any and all charge offs means sold so the balance owed needs to state zero owed to them as it is owed to the sold party collector. The bureau has not in a few attempts to correct it through the dispute process within the last few months of 2018. I also tried in an attempt to contact the bureau but have found no contact number to discuss with any employees.
Product: Student loan

I enrolled in a XXXX  program in fall 2018 ( XX/XX/18 ) and received an email on XX/XX/18 telling me that as I was enrolled, I now had a deferment on my account. The email includes a link to " remove this deferment, '' which, when you click on it, takes you to an FAQ on deferment ; however, under " can I cancel my deferment or forbearance, '' it says you CAN cancel the deferment, but doesn't tell you HOW to do it. There is no place on the website to do this, so after contacting them by phone, they tell me I have to complete a School Deferment Waiver Form, which they must send to me to my XXXX inbox. The form is not available on the website. Another difficulty is that the only way, according to the form, to get this sent back to XXXX is to either fax or mail it. Nothing indicates that it can be sent via the website, nor was I told this by several customer service reps over the next few months. I finally had the time to download, print, sign, scan, and fax it. But when I got yet another email about a deferment on my account on XX/XX/18, I called XXXX and asked why I had another deferment as I had sent in the form in XXXX. They said they only got the cover sheet, but not the form, which I completely don't understand ( why would they get one and not the other? ). Additionally, after 3 months of calls, I was FINALLY told that I could upload this on the site. XXXX DOES have a file upload section, but this form is not one of the options given. I was told to upload to the " Other '' section of the site, but again, how would I ever know this as a ) I was NEVER told this was an option for this form and b ) the form itself does not list this as an option? 

My question it, for people who do NOT have access to a printer, how in the world are they supposed to get this form to XXXX? It is completely ridiculous that while I can do every thing else on the website, I can't just fill out this form online, NOR is there anywhere on the form that indicates that I can just upload to the website, as again, it only mentions I can fax or mail it. It is very clear to me that XXXX wants to make this process as difficult as possible, as they would rather the additional interest on these loans gets capitalized in order to make them more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX ), ( Account Number XXXX, Balance {$250.00}, Date Opened XX/XX/XXXX ), XXXX XXXX XXXX Account Number XXXX, XXXX {$110.00}, Date Opened XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Balance {$0.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Balance {$0.00}, Open Date XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

around the month of XX/XX/2023, someone applied for a Target store card in my name and it was approved. The person used {$390.00} of the ttl limit of {$400.00} to purchase items online the same day they were approved. I received a bill in XX/XX/2023 requesting a payment and I called Target to explain that I did not apply for a card. I was directed by the representative to reach out to the credit bureaus and put a fraud alert on my ss # which I did. I also went to the XXXX police station to file a report. 
The target rep was not allowed to tell me where the items were shipped to. I am XXXX years old and I live alone. I have not applied for any store cards because I am on a fixed budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the XXXX data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX bank. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Product: Credit card

On XX/XX/XXXX I submitted a payment on my bank of America credit card for XXXX dollars, thought everything was good as that's the due date, a day or XXXX later I'm hit with some late fee, which they've done before by the way I just never complained, which jacked up my minimum payment and finally I've just had enough of this nonsense I emailed them and there was no resolution. Now because my payment has gone way up the last few months I can no longer afford to pay it as it's a financial hardship and they just keep stacking up I have told them if they just removed those garbage fees and get my payment back down I would resume payment. Hasn't happened, it's hurting my credit score and I don't know what else to do
Product: Debt collection

This company, American Medical Collection Agency ( AMCA ) was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the same error on my XXXX  credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and Experian state that this account has been opened on XX/XX/2017.
Product: Credit card or prepaid card

I purchased a laptop from XXXX on XXXX XX/XX/2020. The laptop arrived on XXXX XX/XX/2020. After trying the product, I initiated a return within the 30 days as stated on their return policy. The return was initiated on XXXX XX/XX/2020. The laptop was sent back and they received it on XXXX XX/XX/2020. They sent an email saying that the money would be sent back to my credit card, and would show after 5 days. I'm still waiting for the money. I spent three hours on hold to their customer service line before they hung up on me. I've sent them around 100 emails, each time they reply that it is the bank 's problem. 

I contact my bank, Barclays, to file a dispute. They said to post them documentation. I posted it, using USPS   next day delivery. But the bank claims that they did not receive the documentation and closed the case. I'm still waiting for my refund, which is for the amount XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Macy 's XXXX credit card, which I've had for a number of years. I recently went into a store to make a purchase. The sales rep informed me that I was qualified for an " upgrade '' to my Macy 's account and that I'd save an additional 20 % discount on my purchase for upgrading. I asked if there where any fees or anything else that I should be aware of and she said, " No. '' She said that I needed to verify and update some of my personal information, which I did. I then electronically signed what I thought was my purchase receipt. The sales rep put all of the printed receipts in the bag with my purchase. When I got home my wife looked at what I'd purchased and the receipts and asked why I got an XXXX XXXX Credit Card. I was shocked to learn that my " upgrade '' was actually a fraudulent application that involved a credit check. My credit score has been negatively impacted as a result and if I close the account it will be further damaged. I'm not even sure if the injury that I've suffered can be remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted investigation requests to Equifax and XXXX XXXX on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
Product: Mortgage

My name is XXXX XXXX and my complaint is with chase mortgage company. Two years ago we received a fha loan mod from this co. According to our loan docs our loan is considered in good standing unless it falls 90 days behind. We are currently 2 months behind because of financial difficulties. We tried to make a payment to keep us from falling 90 days behind and they are refusing the payment. They want our house. We are planning on selling the home within the next 6 months as we have a lot of equity. Please help they are trying to take our home.