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

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit card

I asked for a payoff letter for the loan I have been approved for, XXXX XXXX XXXX has denied my request and is refusing to send one and has sent a current balance letter instead which does not include the amount of interest, or how much to pay off the account. In that letter it specifically says this is not a payoff letter and to call to get the payoff letter. I called again and informed them they are required to send me one when requested and they have denied my request again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureau XXXX TRANSUNION ) on XX/XX//23 letters asking them them to verify the fraudulent items on my report. I've also sent in FTC Report and Each time they update the file stating that everything is verified correctly. My credit report are still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. 
Accounts/Inquiries are below. TRANSUNION is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX 2.XXXX 3.XXXXXXXX 4.XXXXXXXX 5.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( XXXX  Progress ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX
Product: Checking or savings account

The bank allowed XXXX  transactions that I didnt authorize they were scammers but I was receiving text messages that said money was being deposited to my account yet somehow it was actually being taken out of my account
Product: Checking or savings account

I posted the issue on XXXX to try to elaborate how serious and terrible customer service for cash app is. 

https : XXXX I replaced my old cash app card to stop reoccurring charges from XXXX. I no longer authorized those charges as of XX/XX/year>. Since XXXX  continued to charge my card they had saved on file, I requested cash app to REPLACE my debit card so that the old debit card would be deactivated/cancelled. I received and activated the debit card ending in XXXX on approximately XX/XX/year>. However, on XX/XX/year>, a charge/transaction went through for the amount of {$6.00} on the XXXX debit card. When I attempted to inform customer service of the problem, i received nothing but canned responses and my issue was closed. The video proof of the issue is posted on XXXX. 

I need the government 's assistance because Cash app refuses to provide customer service.
Product: Debt collection

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Student loan

Subject : Incorrect Reporting and Duplication of Student Loan Entries by Department of Education/NELN on Credit Report I am submitting this complaint to address a significant error on my credit report involving the Department of Education/NELN XXXX which has XXXX duplicated entries of student loans that no longer exist under their management. My student loans were transferred to XXXX XXXX XXXX, yet the Department of Education/NELN continues to report these loans as active, with multiple erroneous entries. 

Detailed Issue : Incorrect Account Listings : The loans previously managed by the Department XXXX Education/NELN and transferred to XXXX XXXX XXXX are still appearing on my credit report as active under the Department of Education/NELN with multiple entries, all updated as of XX/XX/2023. These include several loan amounts such as {$440.00}, {$7700.00}, {$2000.00}, {$4100.00}, {$7000.00}, and others, totaling XXXX duplicate entries. 

Prior Loan Transfer : The aforementioned loans are currently managed by XXXX XXXX XXXX, and I have no open accounts with the Department of Education/NELN . The persistence of these entries from the Department of Education/NELN is incorrect and misleading. 

Failed Resolution Attempts : Despite addressing this error with the Department of Education/NELN, they insist on the correctness of their reporting. This unresponsiveness has compelled me to seek regulatory assistance to rectify these inaccuracies. 

Adverse Impact on Credit : The erroneous reporting by the Department of Education/NELN not only misrepresents my actual debt obligations but also adversely affects my credit score. This misrepresentation could potentially influence my financial opportunities negatively, including obtaining loans or favorable interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$950.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a companion with CFPB regarding Experian and thier unwillingness to XXXX an investigate person my request via certified mail on XX/XX/2020 and provided me copies of the Actual documented proof they used to verify the accuracy of the negative items they are currently reporting. Instead they claim That the request did not come from me and refuse to open an investigation.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper ( henceforth, XXXX Mr. Cooper '' ) forces you to be their good graces and does not allow payment prior to the due date when setting up an auto payment for your mortgage. 

Their website does not allow for payment prior to the due date, and their auto-payment policy says " The date that you choose must be within your grace period or your request to set up AutoPay will be denied. '' I do not want to be in their " grace period '', I want to be able to pay my bills before the due date as I would be concerned about the paper trail created. What if there is a dispute at some point between a payee and Mr. Cooper and they could say something that the payee " never once paid before the due date ''. 

This semantic thing going on with due dates, grace periods, and " The date that you choose must be within your grace period '' seems like an effort by Mr. Cooper to have leverage over there clients. 

What is the reason for preventing payment before the due date? Why would any company prevent payment before the due date? Money now is worth more than money later. Can anyone contrive a reason for this policy that is not an attempt to have one over on the consumer?

Attached is Mr. Cooper 's auto-payment agreement, and a bi-weekly ACH application.

I also have two letters they sent to me in response to my questions ( Letter 1 and Letter 2 ) that I will quote from, but am not including the attachments for anonymity 's sake.

Notably : - Letter 1 mistakenly says that you can setup " any date '' for automatic payments. This is wrong.

- Letter 2 suggests a work around to bypass some of the controls on the website that involves paying using a one-time payment before the month it is due and the immediately setting up a auto-payment that would pay a month before the due date. This work around fails on two fronts. 1. It is against the auto-payment policy. 2. It forces you to pay the XXXX through the XXXX of the month before the due date and not the XXXX through the end of the month. 
- The Biweekly ACH payment once again has the same issues. You can pay the early, but only if you agree to be making half the payment in the first half of the preceding month.
Product: Debt collection

This debt has been paid on time since XXXX of XXXX. It has been turned over to several collection agencies and removed on several occasions from my credit reports. 

The original creditor has also recently tendered a payment, a check in agreement to cease ALL reporting. However, the collection agency is still reporting this as a collection to the credit reporting agencies. Their reporting has been removed twice in the last few months. I would also like to know how I can legally take action against the collection agency. I have attached 1 example of where this collection was deleted XX/XX/XXXX. It was deleted from all 3 credit bureaus!
Product: Checking or savings account

{$9.00} was taken out my account and i didnt authorize this this is the second time that money was taken out my account I reported the card lost and stolen on XX/XX/XXXX they sent me a email stating my card was on the way and it never came
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.Public Information: Chapter XXXX  Bankruptcy: Reference number: XXXX
Product: Credit reporting or other personal consumer reports

Santander was part of a predatory lending and vehicle repossession lawsuit during the year of XXXX. I was a consumer during that time and my vehicle was repossessed. I never received information regarding this lawsuit. Santander continues to report to credit bureaus as a chargeoff and also reporting as a past due account and the same time. I have disputed many times without any action just returned as verified. This is unfair the Company should be held responsible for errors on my credit report because they continue to deny any wrongdoing and the credit bureaus agree and continue to report on my credit file.
Product: Credit card or prepaid card

Unauthorized and unknown charge appeared on my statement for the amount {$1800.00} as of XX/XX/XXXX. Merchant completely unknown to me - " XXXX XXXX XXXX XXXX ''. 
Raised dispute for the charge with Santander immediately upon receiving statement on XX/XX/XXXX, case XXXX. Santander denied it with nothing but " inconsistencies in the documentation that was submitted '' in response, no evidence. Contacted bank again, stated that card could be cloned, requested evidence of proof of purchase and merchant details and contact. Cases XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. Received identical evidence free responses. Contacted the bank through branch representative on XX/XX/XXXX, requested specifically 2 pieces of evidence : proof of me authorizing purchase, detailed information on the merchant with contact details besides the name, which can not be traced to anything. Bank failed to provide either. 
Bank claims that my card could not be cloned. I stated that my card was handled by vendors and sure could be cloned while out of my view among other things. But fact is I did not authorize the transaction and am not familiar with the merchant at all. 
Attached is all of the written correspondence I received regarding the transaction dispute cases I described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans. 
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving. 
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber. 
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues. 
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation. 
Thank you,
Product: Vehicle loan or lease

XX/XX/XXXX  I purchased a vehicle from XXXX. As a customer I was treated differently than the rest of other customers. I was denied the right to bring legitimate documents from my local financial bank to secure a loan with ( ACA ) instead XXXX swindle me and used aggressive tactics by insisting that I had to pull my bank statements and check stubs up from there office computer. By doing so it put my credit and identity at high risk. This is a breach of security. Also as a customer I received poor service XXXX failed to honor the warranty that came with the vehicle and also XXXX failed to submit the warranty in the binding contract with the lean holder ( ACA ) and the insurance company. I have had a significant amount of on going i problems within the time frame of the warranty parts was changed on the vehicle that did not fix the issue and also damage was done to the part of the vehicle where XXXX installed the part I told the XXXX service advisor he than denied me the appropriate accommodations with the repairs of the vehicle XXXX then submitted a work order to XXXX XXXX to address the issues with the vehicle I took the car into XXXX XXXX and the only thing they did was replace the key forbe. They did not address the damage or the part installed by XXXX service technician. No one reached out to me this is still a ongoing problem. I have filled a complaint previously to CFPB concerning the electronics/Bluetooth in the vehicle it is to my concern that the vehicle has custom installments done to the vehicle by previous owners which causes the electronics to sync with other controls and function that causes the vehicle to be inoperable at times Due to there Negligence and poor customer service im suffering and seeking impurities damage. These issues left me with a vehicle that I did not take a loan out for I was took advantage of...
Product: Credit card or prepaid card

This is a confusing situation that was created by Bank of America and needs to be resolved the Bank of America.

I have a credit card that I charge XXXX recurring bills a month. I mailed in my check for the XX/XX/XXXX statement for {$38.00} and thought nothing of it. When the XXXX statement arrived there was an unexplained credit in the amount of {$3400.00}. 

Not knowing what to do I called the bank on XX/XX/XXXX to report possible fraud. My son was on the phone call with me at the time. We were told that it was possible fraud and is called an unauthorized deposit, Apparently people steal the payment and make a deposit on a false check. The hope being that they can get a refund for the extra deposit. 
In the mean time we called our bank and were told that our {$38.00} check was never cashed. 
We were told to pay whatever statement that we had and we did that. In regards to the over deposit we were told to sit tight and that they would investigate. 

On XX/XX/XXXX we received two identical letters stating that a payment was applied to our credit card by mistake and that they had adjusted the balance. 

When the XXXX statement arrived it showed that the over deposit of {$3400.00} was removed twice and that we now owed {$3400.00} in addition to the {$38.00} monthly charges and a past month charge of {$38.00} and in addition a late fee of {$21.00}. 

We called Bank of America on XX/XX/XXXX and were on hold for over an hour as they tried to figure out how they messed this whole thing up. They still don't know what happened and have promised to fix it but it's still pending and we owe {$3400.00} of mystery money plus a late fee. 
The insult to injury was the fact that the customer service rep was adamant that we owe a late fee of {$21.00}. My son tried to explain that the missing check from the XXXX payment was related to the fact that we had a mystery credit applied. We were offended by the presumption that we never actually sent in a check and this was some sort of contrived plan to get out of paying a late fee. 

This error has caused great distress for me and my son and that is not even mentioning the lost time trying to fix an error that was no fault of our own. 

Please help resolve this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has reported on an account I had with XXXX XXXX  that it was closed due to account abuse, but is paid in full. As such when I try to open a new bank account it comes up as my account as being flagged for outstanding amount owed that needs to be paid in full in order to open a new account. And some banks have a policy that if a person is flagged in the ChexSystem that the person can not open an account for two years! All of this because of false information!! Not good! Not Fair! Not honest business practices!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$7100.00}, {$3200.00}, {$10000.00}, {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My information was involved in a breach. And I continually receive call text from unknown numbers s well