23daVinci/CFPB_Complaints huggingface dataset:
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 card or prepaid card

They told me I was pre approved for credit cards and wasnt CREDIT KARMA
Product: Credit reporting

this account, TN CHILD SUPPORT XXXX .... IS FRAUDULENT ... THE ACCOUNT WAS CREATED BY FRAUD ... AT THE TIME OF THIS ACCOUNT I HAD A CONTRACT AND ORDER TO PAY CHILD SUPPORT IN VIRGINIA.I HAVE NEVER PAID ANYTHING AT ALL TO THIS ACCOUNT.AT THE TIME I TALKED TO TN CHILD SUPPORT I INFORMED THEM OF THE ABOVE..THEY SAID THEY WOULD GO AFTER PERPETRATOR FOR FRAUD ... 
YET TN CHILD SUPPORT HAS CREATED THIS COMPLETELY FALSE RECORD AND NOW VERIFIED.I HOLD EXPERIAN ACCOUNTABLE FOR DAMAGES AND WOULD EXPECT CFPB TO FINE EXPERIAN AS WELL AS PAY ME STATUTORY DAMAGES,
Product: Vehicle loan or lease

I have been trying to change my payment date from the XXXX of the month to the 6 of the month. I have called then several times to have the date changed. Its never changed. If you see my payment history you will see my bank sends the payment between the XXXX and the XXXX. every month. The last XXXX months XXXX and XXXX they have started charging a late fee of XXXX. I called and spoke with someone again in XXXX and they said they see my payment is made every month between the XXXX XXXX and they will submit it again and watch my account to make sure my date is change and the XXXX is removed.. Nothing was done. I have been out of the country and just got back, they have been calling me every day some times more the once. I called them again today and the the person I was speaking with did not understand why I was calling and all he kept saying is I am charged a late fee because my payment XXXX days late.
Product: Money transfers

I signed up for and verified my account with Venmo XX/XX/XXXX. On XX/XX/XXXX, I referred my landlord to the service and paid rent to them. The money immediately left my account but was not delivered to my landlord. I requested they call me, they refuse to call me. They refuse to return my money. They refuse to pay my landlord. I have asked for a timeline for when the " investigation '' will be completed. They a unable to provide this information. They user agreement indicates investigations will be resolved in 10 days. I have been told directly they will take as much time as they feel like to resolve the issue.
Product: Mortgage

I requested an individual home equity loan from Discover home loans. They included my spouse 's separate debts in my debt to income calculation, though my spouse is not an applicant. I asked why and they said because we are in a community property state. My spouse has his own source of income and pays his own individual liabilities ( incurred as his own separate business expenses ). I am not a joint debtor in any of those debts. As a result of including my spouse 's debts as my liabilities, I was offered less credit than I requested. How is this in compliance with equal credit opportunity act? It seems discriminatory for married applicants because my financial situation is not considered individually despite having applied individually. 

Upon receiving the title report, they requested my full trust document and refuse to accept my certificate of trust. They failed to provide an explanation why even after I shared the XXXX  probate code which requires that they accept my certificate of trust in lieu of the full trust. I have had the trust for more than 10 years and this is the first lender to refuse to accept the certificate & fail to provide any explanation why.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/, I called to request my JETBLUE BARCLAYS credit card be closed as it was not an actively used card but more importantly i did not want to continue paying an annual fee on a credit card ( JETBLUE BARCLAYS ) credit card wasn't in use. The {$99.00} annual fee far outweighed the benefits i was receiving by keeping the card ( JETBLUE BARCLAYS credit card ). I had a reasonable expectation that my request was completed as requested, therien there would not be any further fees or charges on the mentioned credit card ( JETBLUE BARCLAYS credit card ). I felt confident that i would not have to monitor this card going forward as it would be closed. To my dismay and shock, i received a message saying that i was delinquent due to an annual fee of {$99.00} that was assess on the card, that i requested closed at the end of XX/XX/2023. I made the payment in full ( {$99.00} ) to avoid any negative impacts and called Jetblue in the attempt to resolve the issue. The consequences of the card not being closed as requested has resulted a significant decrease on my previously stellar credit score with an additional 7 year remark on all 3 credit reporting agencies. This has and will cause me a significant financial burden on future financial ventures i am planning.
Product: Checking or savings account

Ive had around XXXX dollars withdrawn from my BofA account. I was told that I had until Wednesday XX/XX/XXXX to pay the money. As the charges havent been reversed I can no longer pay the amount and am out of a job. There has been recurring charges every single day since the XXXX amounting to the XXXX dollars Im renting to drive and have no idea how to manage this as BofA already cleared my account as of XX/XX/XXXX and now XXXX is charging with amounts not agreed to in the contract Even if I had warranted a XXXX dollar a day charge that would be a quarter of the amount take BofA XXXX XXXX are leading people to lose money and this is a key example I do believe there is fraudulent activity involved Both the XXXX employee and investigator have said Im not in repossession
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the 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/block any items 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, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX  XXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXXXXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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: Debt collection

Sunrise is reporting on all 3 credit bureaus as a debt collection as of XXXX  in NY, however I have resided in another state for many years. They alleged the original creditor sent them the information stating this is a debt when the alleged debt has already reached the statute of limitations. I contacted the original creditor and they provided all the correct information. This Sunrise company false information has plummeted my credit score on all 3 credit reports and was very belligerent and disrespectful towards me when I asked for further information that supports their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One on XX/XX/2019 to see if it was possible to have 2 of the hard inquires removed from my credit score. The representative got me over to a specialist who then stated that they were unable to remove any inquires and that I should get in contact with CFPB for further instructions. I gave the CFPB a call and was notified that they are unable to remove them as well and that the only option I have is to wait up until 2 years for them to be removed or file a complaint. The hard inquiry did come from me applying for a credit card to improve my credit score -- however the inquiry is affecting my credit score negatively. My score is significantly low from me making poor decisions when I was younger and I am trying all that I can to pick up that slack to maintain a decent credit score and be able to do some of the things I would like without having to be constantly reminded of how low my credit score is. I was wondering if there is any way that 1 or 2 of the hard inquires from Capital One can be removed from my credit history.
Product: Payday loan

When I tried to create a regular account with PayPal, they ran my credit and created a actually account with money on it that I had to pay back. I did n't notice until I got a email saying that I had a bill
Product: Credit reporting or other personal consumer reports

I Have tried to speak with XXXX and TransUnion on matters I would like to be removed from my credit report either not equal information with each other or information that is not correct to remove, these inquiries are deeply effecting my lively hood, and I am in a crisis at the moment and I can't not get ANY help because of the credit, well I have tried to email and call and I can't get any help, here is the info, and just loo at the last active date, or anything it is so messed up, I can have this resolved without court, with these removed from my credit report XXXX XXXX XXXXXXXX XXXX ( they are trying to still make me pay ) XXXX XXXX  ( accoount # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX both accounts ) CXXXX XXXX XXXX ( both accounts ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM LOSING MY PLACE TO LIVE, AND MY CHILD AND i will be homeless, lordy please help, I have spent weeks and months trying to correct this
Product: Mortgage

Went to apply for a mortgage on a new home and when they pulled my credit I was denied a new mortgage because of false information reported by One Maine that I was late on several payments. There where two loans whit this company that I was originally on and one of them I was supposed to be removed off of when I was divorced in 2011 according to my divorce decree which I have a copy of. The other one that I was responsible for I set up automatic payments with One Maine. When I called One Maine they told me I was still
Product: Money transfer, virtual currency, or money service

I sent {$300.00} through cash app to an attorney XXXX XXXX, she doesn't have the app on her phone. I walked the payment in her office. I contacted Cashapp to inform them by phone that {$300.00} was in their system account, They immediately agreed to return the money that minute to my debit card issued by XXXX, The money never shown up to this day, XXXX disputed and cash app lied by saying they put it on my cash app balance. 

I'm attaching documents that show they never place back on my card or in a cash balance.
Product: Checking or savings account

Regions limited my account because I paid myself from my business account and sent a bill payment to my other bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank Credit card XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 Late payments on credit card 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : States consumer reporting agencies can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my compliant # XXXX Company responded on XX/XX/2022 " Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX XXXX XXXX ARI will honor XXXX XXXX cease and desist request. Based on the foregoing, ARI is closing this complaint. '' The company has not remained in honor of the cease and desist as reported and have continued to furnish data to consumer reporting companies on XXXX XXXX, 2022. This is misrepresentation and more importantly another example of the continuation of the company 's violation of my consumer rights.
Product: Debt collection

FTL Finance has been calling my parents and even my brother I dont speak to about my debt even though they are NOT on the loan and I have not authorized them to contact these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and I noticed accounts that I do not recognize and did not authorize.
Product: Mortgage

I have flood insurance money $ XXXX that is sitting in a restricted escrow account at Wells Fargo where my mortgage is. I have been calling for the last 2 months to learn how to apply these funds to my mortgage and I have been given the run around. I have done everything that Wells Fargo has asked and they have NOT done anything on their end that they have said they will do. I am told repeatedly that I will get a phone call back and I have never once been contacted. I am told the claim has been moved to the Mortgage department from the Property loss department and that has not happened either. Every time you call they are very nice ; however, they do n't do what they say they will do. 
I have sent sales agreements, contact information for realtors and title company officers that are selling my home, signed letters, memos, etc ... and I am still waiting for the transfer of funds to occur. 
Wells Fargo has the money and I am asking them to apply these funds to my mortgage and they are stalling, refusing, incompetent, something of the above. I spend an average of 30 minutes per phone call and I have called easily 20 times. I do n't have this kind of time to spend on the phone repeating myself and 'waiting ' until the end of business day for it to be resolved and then it is not resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the entire balance on my credit card and I placed another order online on XX/XX/XXXX and JXX/XX/XXXX. Apparently, the order which I placed on XX/XX/XXXX was a fraud and after I find out it was a fraud 2 days later I called Chase credit card and told them the situation. I was told by their representative not to worry about it and not to pay that amount which is {$27.00}. The only thing I have to pay is for the second order I placed on XX/XX/XXXX which is {$84.00}. 

After I received my second order through the mail, I didn't like one of the item and went to the store and returned it. The store issued me a credit of {$31.00} and I saw on the credit card. Next thing I know, Chase deduct the {$27.00} and is telling me that I have a {$3.00} credit. I called them and ask them about the {$31.00} credit I got from the store and where the {$27.00} went. Now, they're telling me that I paid the whole thing which is not true. They're giving me the run around. They owe me {$27.00} from the {$31.00} they deduct it. I have proof of everything. On XX/XX/XXXX, I placed another order from XXXX XXXX for {$41.00} and since I have a credit of {$3.00} and plus the {$29.00} they took my balance is only {$9.00} which I already paid. But, they're still billing me for the {$27.00}.
Product: Mortgage

In XX/XX/XXXX, I filed XXXX  XXXX Bankruptcy with XXXX XXXX XXXX in XXXX, GA. I had a mortgage through Wells Fargo Bank for my home in XXXX, GA. I filed the documentation to reaffirm my home loan and car loan. Home loan was with Wells Fargo Home Mortgagenand car loan with XXXX XXXX XXXX XXXX. Never had a problem with my car loan. But, with Wells Fargo, I continued to pay my mortgage from XXXX  ( bought the house in XXXX  ) to XXXX  when I tried to refinance. I was told that Wells Fargo no longer had me listed on the deed and that technically, I didn't own the house. I'd have to go through the " closing process '' again to get my name attached to the home again. I asked if I wasn't attached, then I could walk away. They said yes. But, a year or so later, I was notified that they had filed a foreclosure on me and sold my house at auction. I paid for the home for 10 years, never late, never missed a payment and they let me do that but never told me they didn't reaffirm the mortgage. Once I walked away with nothing as I just decided to accept defeat because what am I going to do against a bank, I don't have that kind of money to fight them. They filed a foreclosure to cover themselves and I lost my home, 10 years of investing in that property, and it showed up as a " K number '' when I tried to buy another home in XXXX. I was then told that I had to wait seven years to file for another government loan. I never thought I could do anything about it, but since they've been shown to be a bunch of crooks, I thought I'd try now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.
Product: Mortgage

On XXXX XXXX, XXXX, Nation Star Mortgage took over the servicing of our home mortgage from XXXX XXXX XXXX. When XXXX XXXX XXXX was servicing our loan, our monthly escrow payment was calculated at {$860.00}. On a yearly basis, the amount we have been depositing into our escrow account has been {$10000.00}. 

We were completely startled and caught off guard when Nation Star, based on their XXXX XXXX, XXXX analysis of our escrow account, aggressively increased our expected monthly escrow payments from {$860.00} to {$1000.00} in XXXX of XXXX. Our assumption is that for XXXX, our escrow balance is expected to cover what it has always covered : Property Taxes, School District Taxes, Homeowners Insurance and PMI. We have seen no corresponding increases in our yearly responsibilities that come anywhere near requiring an extra {$1700.00} be deposited into our escrow account. 

In looking back on previous years ' expenses that escrow is expected to cover, below are the total expenses for XXXX and XXXX. In addition, below are draft expectations on where XXXX will end up. ( Note : some of those expenses for XXXX have already been confirmed. ) In XXXX, the numbers were as follows : Property Taxes : {$3100.00} School District Taxes : {$4700.00} Home Owners Insurance : {$830.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, the numbers were as follows : Property Taxes {$3300.00} School District Taxes : {$4900.00} Home Owners Insurance : {$810.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, our expected numbers ( based on the recent school budget vote ) Property Taxes : {$3200.00} ( see attached ) School District Taxes : {$4900.00} ( based on recent school budget vote, no expected increase ) Home Owners Insurance : {$940.00} PMI : {$1400.00} Estimated Total Escrow Payments : {$10000.00} Based on that math, our escrow payments for XXXX should average {$870.00}. There exists no mathematical evidence as to why NationStar Mortgage has aggressively escalated our monthly escrow payments to $ XXXXmonth without any corresponding increases in the accounts that our escrow balance is expected to cover. I spoke with a NationStar customer service representative that could not clearly explain the mathematical reasons as to why NationStar is requiring that we deposit an additional {$1700.00} into our escrow account without any corresponding increases. 

We felt it was incumbent on our family to file a complaint directly with the Consumer Finance Protection Bureau as to NationStar 's policies involving escrow payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX {$120.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX  XXXX {$8200.00} XXXX XXXXXXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXXXXXX {$900.00} XXXX XXXX {$3700.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$8100.00}
Product: Prepaid card

SO MANY TIME WOKE UP MONEY MISSING OUTER MY ACCOUNT DUE TO CASH APP EVEN IT BEEN OVER XXXX
Product: Debt collection

They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.
Product: Credit reporting or other personal consumer reports

" I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. Please remove this account from my report, They are hurting my ability to obtain credit. ''