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

Equifax XXXX XXXX XXXX XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.
Product: Mortgage

during our divorce, I was deeded off ownership of the family home. My ex husband owns the property as sole and separate property. I have no ownership interest in this property. This was 2 years ago and the bank still has me on as an owner and refuses to change this despite me sending several written requests during the past 2 years. Now the property has had several late payments and because my ex husband has not been able to make the payments. The bank is reporting this to my credit score which in return makes me unable to get a loan. My credit is otherwise very good, but the negative credit reporting by First Republic Bank has made it very difficult to improve my credit score. I have written to the bank and spoken with them on several occasions however they will still not take me off of the loan even though I haven't owned the property since XX/XX/2014. The amount still left on the mortgage is {$560000.00}.
Product: Debt collection

This creditor will call me twice if not three times a day for the past 6 months, despite me asking them to stop. They call me at XXXX on Saturday and Sundays on multiple occasions. In the past week ( XXXX ) they have already called me a total of 7 times within 3 days. I had spoken to them in XXXX of this year stating I am a new XXXX  mom and unable to make the payments at this time. Yet the creditors continue to harass me everyday despite knowing this.
Product: Consumer Loan

I purchased a car XX/XX/XXXX for the total purchase price of XXXX with tax. The only bank that would approve the loan was CPS due to some financial hardship in the past. 
The monthly payments were XXXX. After making XXXX payments of XXXX, I noticed that I still owed XXXX After speeking to an extremely rude lady, I was told they took all the pyment ( including the extra ) for interest. They say it is a simple interest loan therefore they can do that. I asked where is the extra money going? I was told it was paying for the 12 monthly fee to pay my payment on line, and since they never given me a physical address, I had no other way to pay. After contacting the Attorney generals office, they ha seemed to taken some fees off, but after XXXX payments, I still owed XXXX ( which seems to be there majic number ) ... I moved out of state and got behind due to not being able to find full time work. They have called everyone I know, including friends on facebook ( that have public phone numbers, and who where NEVER listed as contact people ... ) they were calling my job 10-12 times daily .... I had contacted them to try and make arrangements, and there solution was for me to make XXXX payments a month when they know I could n't even make one .... I also needed to change my tags over to the new state of residence and they refused to release the title to the state for them to issue me tags. So now it has been a year and my tags are going to expire in 2 weeks, and they wont pick the car up or release the information so I can get tags ... This is the worst financial company I have ever delt with, the GOVERNMENT need to shut them down and give us all every dime we paid them ... I have paid them a grand total of XXXX for a XXXX loan, and still owe XXXX???? are you kidding me??? please someone do something .. My credit is destroyed and I wont even be able to drive the vehicle because I cant get tags!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.
Product: Mortgage

I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.
Product: Debt collection

I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
Product: Credit card or prepaid card

My Name is XXXX XXXX XXXX. 

I am a retired 100 % XXXX Veteran. I am currently writing a book and was looking for collaboration assistance. and entered into an agreement with XXXX XXXX. 
They required XXXX to to open up my account and to provide access to ghost writers to assist, outline, edit and help publish my book. 

I repeatedly attempted to contact " XXXX XXXX '' for the services promised and received no response, NONE .... what-so-ever to collaborate with writers. 

... No services were offered and no collaboration occurred. 

I contacted my credit card company ( Capital One ) concerning the charge of XXXX dollars billed on XX/XX/2021. Please see attached letter dated XX/XX/XXXX. Capital One stated that they had removed the charge and then reversed the decision stating that the company XXXX XXXX had disputed my dispute. DESIGN COMPANY stated to " Capital One '' that they provided several services including outlines and even provided a " BOOK COVER ''. 

I submit to you that they DID NOT provide any services. If they did provide any services surely they could submit some shred of evidence such as... 

XXXX the TITLE XXXX the outline XXXX the book cover XXXX the log of hours of the ghost writers XXXX the subject matter of the book DESIGN COMPANY HAS NOT SUBMITTED ANY OF THE ABOVE EVIDENCE TO SUPPORT THEIR CLAIM AND THE MOST GLARING EVIDENCE SUPPORTING ME IS THAT IF THE DID PROVIDE SERVICES. THEY WOULD BE ABLE TO PROVIDE ME WITH AN INVOICE OF THEIR LOGGED SERVICES. 

PLEASE SEE ATTACHED DOCUMENTS Capital One simply reversed their decision because DESIGN COMPANY simply said that they provide services and with NO " proof of service '' evidence ... ruled in the favor of the merchant! i.e. because they ( XXXX XXXX ) said that they did these things.
Product: Checking or savings account

I am writing this complain in regards to claim Wells Fargo 's promotion credit. As per Wells Fargo 's previous Promotion in  XXXX  2017, customers who open an Everyday Checking that can meet the designated requirements will receive a {$250.00} bonus credit within 45 days of the requirements being met.
 XXXX 
I opened my Everyday Checking account online on   XXXX   XXXX  , 2017, and immediately received an email from Wells Fargo confirmed that my new account was eligible to receive a bonus offer. I have credited {$250.00} to my new Wells Fargo Everyday Checking account at opening, and made over 10 debit card purchases within the first 60 days ( Please refer the attached ). In addition, I have also contacted Wells Fargo Customer Service Representative by phone for the same issue for many times, even though they all confirmed that I have met the requirements to receive the {$250.00} bonus credit, but they NEVER credited me. It 's been almost 4 months since I opened the account at Wells Fargo, I 'd like to report this issue, and make Consumer Financial Protection Bureau aware of this fraudulent offer from Wells Fargo. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XXXX with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( NELNET ) received that letter with certified returned receipt on XXXX. NELNET responded via XXXX with a letter dated XXXX. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XXXX ) via XXXX certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/scrub>XXXX, delivered to NELNET XXXX XXXX NELNET 'S response dated XXXX delivered to consumer ( me ), XXXX  Consumer 's ( my ) XXXX correspondence to NELNET dated XXXX, mailed XXXX certified mail today, XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was checking my XXXX XXXX  and three bureaus XXXXXXXX XXXX that car company they just now did a chargeoff on my account which was included in the bankruptcy instead of just removing it from my credit report now as you know i work for XXXX XXXX XXXX  and that is illegal it is supposed to be discharged they didnt discharge it After bankruptcy, debts that are discharged should not be charged off again It's illegal for creditors to charge off a debt after it has been discharged in bankruptcy. They did the chargeoff here recently. and its tanked my equifax see screenshot ... ..this just now showed on that credit report it dropped my equifax XXXX XXXX this is definitely illegal i filed a dispute about this with equifax they are saying its accurate i put down reason that it was included in bankruptcy. XXXX XXXX XXXX did a chargeoff after my bankruptcy was dischaged this is illegal it should have been removed/discharged not done as a charge off IT IS ILLEGAL FOR CREDITORS TO CHARGE OFF A DEBT AFTER IT HAS BEEN DISCHARGED IN A BANKRUPTCY it has affected my credit score and has made it drop because of this i disputed through equifax and they said it was reporting correctly it is not reporting correctly my discharge happened in XXXX i have attached the results from equifax stating it is accurate it is NOT and th screenshot showing the dates when XXXX XXXX did the chargeoff which was more than a year after my bankruptcy this is illegal and a violation of the fcra
Product: Mortgage

Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.
Product: Debt collection

I returned my equipment to XXXX XXXX 5 months ago when I closed my account ; I spoke with XXXX XXXX XXXX to whom Sunrise XXXX Services states the debt is owed, Charter Spectrum Communication stated they have no knowledge of this debt, and I do not owe them anything, my account is XXXX balance.
Product: Debt collection

This complaint is for the company CB XXXX ( Comenity Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Product: Credit card or prepaid card

in XX/XX/2020 my payment did not go through on autpay. they did not notify when it didnt go through. when i called the company they said they see the transaction coming out. when it didnt go through they never notified me. now i have a late payment on my credit report and its damaged my credit and not allowing me to get a mortgage. i tried calling the company and they wouldnt help me with this unfair situation.
Product: Credit card or prepaid card

Bank of America has yet to issue me a credit balance check or put money back on my account. It's been one and half month already! {$30.00} is the money invloved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Debt collection

I had a Barclay card, but for some reason they had me as i had 2 Barclay cards. When I realized I was paying along ( always on time ), and not knowing there were 2 cards which I did n't apply for, I tried many times to contact them and no one would get back to me nor they were reachable. They went ahead and reported me on the credit bureaus as both being late ( adding astronomical unknown charges ) and now they have ruined my credit ... ..they are not cooperative at all, and I need them to remove such negative items from my credit reports!
Product: Debt collection

I 've disputed this debt several times with this company and this is the second complaint through CFPB. After you contacted them the company took 2 almost 3 months to sent me copies of statements of charges every month with an address consisting of PO Box that I 've never had! I asked for signed documents from original creditor and also the contract between the two companies agreeing to transfer the debt and the amounts purchased on the dollar or cent. Their surety bond number for the state of Louisiana to collect the debt. Im asking for all documentation because otherwise I cant get any justice! And by law they have to provide it if they are saying the debt belongs to me and reporting it as mine. I 've filed a report and a report with FTC pertaining to my stolen identity.
The address that 's on the statements provided is the same address that someone tried to use to obtain credit in my name 2 months ago with XXXX XXXX. They sent me some statements and claimed that was verification that the debt was mine but it did n't prove anything but they have some statements from an address that 's not mine! And has never been an address of mine. They have to verify that it is my debt not that the debt exist! That 's why it 's called Identity Theft! This is my 3rd attempt in writing to solve this matter and I want notation of the matter before I can seek farther action.
Product: Credit card or prepaid card

My statement closed on XX/XX/2022. Barclays stated that my rewards of {$41.00} were redeemed and sent to my XXXX  XXXX XXXX personal checking account. As of today, XX/XX/2022 no funds have been received and Barclays has refused to interact with me regarding this and are completely disregarding my concerns. They are illegally holding my rewards and are refusing to provide proof that my rewards were sent to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent hard inquiries on my credit report List of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Well my Zelle just completely stop working and now I cant send money or receive money anymore
Product: Checking or savings account

They allowed the biggest check to go through for the little ones to bounce. So it would make me have bigger over deft fee