23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I asked for the account to be deleted and Experian never deleted the account. The account still says credit limit or original amount is XXXX from XXXX XXXX XXXX. On my credit report after they was finished with my dispute I asked for that to be deleted and they never updated this on my credit report I dont live in XXXX XXXX XXXX so this is identity theft, which I made a complaint with Experian already. Somebody use my name to cut gas on in another state. This is what this situation is about. 
Date opened : XX/XX/year> Address ID # : XXXX Type : collection Responsibility : individual Terms : XXXX month Monthly payment : not reported Credit limit or original amount : XXXX High balance : not reported
Product: Credit card or prepaid card

I received a U.S>Bank ReliaCard in the mail on XX/XX/2020. I did not request this card, when I called I could not get a representative to talk to without divulging personnal or financial information. Was told to call back when I would give this information. I want to know how they were able to mail me this card? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX and Bank of America " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companies Charge off means that the credit grantor wrote your account off of their receivables as a loss.
They have both gotten judgements and put a lien on the title of my home. I am verified XXXX XXXX and this has been communicated to both parties before and during legal action in the courts was taken. I have written XXXX County Superior Court to no avail. Although I do still owe the money, these companies are breaking the law by double dipping. Why the courts protect the big banks over XXXX XXXX persons is a serious injustice and I would like to see accountability in this matter. Part of being XXXX is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a new inquiry on my XXXX and Equifax credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.
Product: Bank account or service

I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to me
Product: Debt collection

I am a victim of identity thief and am not the person responsible for this. I have called the company to have it removed with no good result. I am currently fighting another identity theft of my name. Pleas remove this from my credit report as it is not correct.
Product: Consumer Loan

We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as " debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan, which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income, how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance, and Capital One is writing it off, how is it legal for Capital One to still say we owe it?
Product: Credit reporting or other personal consumer reports

XXXX has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, XXXX is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, XXXX is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
Product: Debt collection

The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting late payments to my credit that are affecting my XXXXredit score and I need action to be taken on the matter. I have reported it to  Experian and they have not taken any action in my favor!! right now I am coming to you so that you please demand that they remove the late payment from me! Thank you very much from XXXX to XXXX
Product: Mortgage

A letter was received by I ( XXXX XXXX ) in regards to property taxes that was paid by Flagstar bank to The XXXX, Texas. In the letter, it was stated that not enough was in our escrow account to cover the balance. So we'd be repaying the balance owed, roughly {$5700.00}. 

I contacted Flagstar bank soon after to inquire about making a one time payment of the full balance in order to control our monthly mortgage payment cost. I was told by two different customer service representatives that if I paid the balance in full, my monthly mortgage would go down. 

On XX/XX/year> a XXXX XXXX  cashiers check in the amount of {$5700.00} was issued. Check number XXXX was sent to Flagstar bank on XX/XX/year>. Strict instructions were included with the check to repay escrow balance. with account number XXXX. A note with the check was also included with instructions and details of the amount owed to our escrow. 

On XX/XX/year>XXXX  I checked our Flagstar account to see the check was posted on XX/XX/year>. It was applied to the XXXX and XXXX mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Money transfer, virtual currency, or money service

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

TRANSUNION, XXXX, AND XXXX ARE REPORTING INACCURATE INFORMATION ON MY REPORT.
Product: Checking or savings account

On XX/XX/2023 there were XXXX small debits on my bank account that I didnt authorize. The total was for {$490.00}. I called Wells Fargo immediately and started a fraud claim and froze my debit card. They sent me a letter today saying they were authorized debits in which the card was physically used or a digital wallet. It was not and this is prototypical fraud at work. Making small debits over and over till card gets declined. I didnt make XXXX charges to a XXXX in XXXX XXXX while I live in XXXX. Ive XXXX the place and searched for any record concerning this company and cant find any information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 just looking over my credit report and noticed that XXXX XXXX XXXX is false reporting needless to say that the debt was never XXXX this is what XXXX XXXX XXXX false and fraudulent reporting to credit bureau and also tax reporting as a loss the statue of limitation has ran on collecting and was written off as XXXX ON 1099 for tax purposes by XXXX XXXX XXXX XXXX THIS ACCOUNT WAS CLOSED MORE THAN 5 years ago. I want XXXX XXXX XXXX to completely remove the entire account off of my credit report due to false and fraudulent reporting. the balance before write off was {$9300.00}. 
Original balance {$12000.00}. For them to continue to report and their is not legal claim for this debt and for the damages for doing this obvious fraudulent report.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the XXXX  time. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Credit card or prepaid card

Someone opened a credit card fraudulently in my name in XXXX, California on XX/XX/2023 at a Banana Republic store. I was notified of this through my credit monitoring service. I have called the company which Barclays Bank of Delaware and requested to freeze and close this account that I did not open.
Product: Credit card or prepaid card

On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX in the amount of XXXX for an unwanted subscription price increase by the XXXX XXXX XXXX. The XXXX XXXX XXXX  accepted my request to immediately cancel my subscription number XXXX on XXXX. 

After 4 months of disputing the charge unsuccessfully Chase executive dispute team advised me to have a new credit card ending in XXXX ( with exactly the same benefits ) issued to block the XXXX from automatically rebilling my existing card. 

After a time consuming process of notifying critical merchants of the card cancellation Chase compromised my financial security by providing the new card number ending in XXXX to the disputed merchant and others.
Product: Mortgage

My name is XXXX XXXX and I have mortgage with Ditech Financial. First, I to express that is not listed on my credit report because they stated that they do not have to report to the credit bureau because it is a line of credit. Then, I ask for a modification, which they offer me XXXX but it only for a year and starting the second year it will go back to the same interest rate which is XXXX and the modification was a XXXX. So I did n't accept because that was defeating the purpose. They also keep sending me a letter stating that I am eligible to waive my late fee but when I call they said I 'm not but I do n't have equity in the home and Im under water because I owe XXXX but the house only worth XXXX. 

Can you please help?
Product: Consumer Loan

Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.
Product: Checking or savings account

I open an account they said it was opened and then I received the letter saying that they couldn't open an account and then now it states that I have three accounts open I can't access one of them I see listed under my email I applied for a car loan my credit was misrepresented an equity within my current car checks that I deposited were held longer than outlined within the deposit information that I received at that time overdrafts in which my account wasn't supposed to have the option for overdraft protection it's supposed to fall back on my savings and apparently credit card account was created after I was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX  XXXX XXXX : # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a free subscription with Experian. 
However, after trying to cancel the subscription because I wasnt satisfied with the services and also because it was advertised that i would be able to cancel anytime free of charge, I was unable to because Experian locked me out of my account stating that i will not be able to get back into my account or view my credit report unless I pay the subscription. 
This is clearly a violation of my consumer rights and is also fraud & deceiving.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal line of credit on XX/XX/XXXX. They barely explained the billing cycle charge, but it now takes up most of my biweekly payments and does not go towards the principal amount. The issue now is that barely any of my {$1400.00} a month payments on my {$5000.00} balance are going towards the principal. For example, I drew {$620.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. Therefore, my outstanding balance was {$720.00}. On XX/XX/XXXX, my billing cycle charge was {$27.00}. On XX/XX/XXXX, I drew and additional {$1300.00} and my outstanding balance became {$2100.00}. At that time, my billing cycle charge became {$100.00}. On XX/XX/XXXX, I paid {$100.00}, then on XX/XX/XXXX, I drew {$3000.00}. At the next billing cycle on XX/XX/XXXX, my bill became very confusing. My previous balance of {$2100.00} was added to my latest draw of {$3000.00} but my {$100.00} payment towards my billing cycle charge was not accounted for before the new billing cycle charge was calculated. As a result, I was assessed a {$200.00} billing cycle charge on {$5100.00}, rather than on {$2100.00} less my principal payment. This has continued. It makes no sense that a {$720.00} principal balance can have a {$27.00} billing charge, whereas a {$5000.00} principal balance balloons to over {$300.00}. Now, I have made payments in the amount of {$2400.00}, but still have a balance of XXXX. My latest payment was due on XX/XX/XXXX, which I made on XX/XX/XXXX. There is no grace period, despite the billing cycle being from XX/XX/XXXX, to XX/XX/XXXX. Now, I no longer have access to the line of credit.
Product: Debt collection

I have looked up number belongs to Ad Astra Recovery. They have called my job twice now on XX/XX/XXXX and XX/XX/XXXX asking to speak with me. I am not able to take personal calls at work, let alone staff trained not to give out personal information in regards to if we are there. This number was calling my cell repeatedly last month but never once left a message. Because number is not a recognizable number did not answer. I need these calls to stop for calling at place I work.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX PACES XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account XXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX  Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

I 'm filing this compliant against Ocwen Loan Servicing , LLC, I submitted a modification package to have my loan amount and payment reduced due to financial hardship and because the house had dropped roughly XXXX %, my modification was approved in XXXX 2015, but the loan amount was escalated to {$290000.00} from {$110000.00}. I felt rushed to accept this deal, so I would n't lose my property. Please investigate the financial structure in which the loan was underwritten and other stipulations in the agreement.