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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to EXPERIAN violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$20000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I satisfied this debt with person identified as an agent of XXXX. Debt is wrongly reported as a " charge off '' as I was told that by making the payment requested that There would be NO negative impact on my credit report.. 
COMENITY BANKXXXX XXXX
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 ( Customer Financial Protection Act ) CFPA. Specifically, Cash App failed 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.
Product: Credit card or prepaid card

I have been upset by the high interest rates and high fees of 3 credit cards I have with US bank in addition to the bank 's sudden drop of my credit limits on one visa. Also, I wish to report the non existent customer service of this bank and the only call center employee who ever answers my calls, XXXX. This self hating man is prejudiced, inflexible, and low spirited. He sounds more like a criminal than a customer service person. Last time I spoke to him was tonight XX/XX/2019 around XXXX. But here I will concentrate on other 3 problems. 1- I learned tonight that US bank is charging me over 25 % for one visa, over % 23 for another, and over % 21 for a third because the bank 's assessment is that I dont have the means to pay my debt! If this is the reasoning, then US bank is made up of psychos who hope with higher interest rates on someone with difficult situation, they make sure the person never meets their obligations. Here I am asking that US bank fires such psychos in the underwriting department and hires people who can help us get lower interest rates such as 5 % so we can pay our bills. The other problem of US bank is that it has charged me several times {$38.00} fees for late payments. I want all of that stolen money returned to me. I have indeed never been late. The problem is that the bank considers central time for the closing of its banks as the cut off time while for me living in CA and other States, its difficult to always remember central time. Just like other banks US bank should follow an exact schedule rather than a confusing cut off time. Additionally, in or around XXXX to XX/XX/2019, the bank had a failing website. For example, in XXXX I had completed my payments on the site but later I found out the site wasnt working and my payments never went through. So I was charged {$38.00} and the belligerent call center men in Idaho denied me the return of my dollars even if I had proof of how i was mislead by the site. The third complaint is about the belligerent treatment I received from US bank underwriters who reduced the credit limit of one of  my visas and hiked my interest rates from already high % 17 to higher % 21-25. The  real reason for this increase was that shortly before I had called a phone number on TV promising to help consumers lower their credit card interest rates! Although the phone call was purely informational, and I never intended to hire that company, the US bank acted in retaliation by reducing my credit limit and raising my interest rates. The unethical behavior of US bank employees has disgusted me especially their rudeness to disregard my appeal. Last but not the least, Im asking the company to diversify its customer service to beyond Idaho and prejudiced self hating men in call centers. There are many good people all over US who need jobs and US bank could do much better.
Product: Debt collection

Dear CFPB Complaints Department, I am writing to file a formal complaint against National Credit System for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide National Credit System with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ). 

The debt collector, National Credit System, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations. 

The following are the laws and regulations that National Credit System is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.

Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.

Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).

As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by National Credit System : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.

Remove any and all mentions of this debt from my credit reports.

Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.

I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that National Credit System adheres to the laws set forth by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Checking or savings account

I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. 
I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. 
I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. 
Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX  XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX  XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is  one of the worst banks in the United States. 
XXXX XXXX, XXXX CO XX/XX/20
Product: Credit card or prepaid card

Payment was made via phone on XX/XX/2018 and my payment was due on XX/XX/2018. The customer Wells Fargo service dept says the payment was scheduled the XX/XX/2018. Therefore the payment was late. I did not schedule the payment on the XX/XX/XXXX. Customers should not be charged late fees when a payment is made before the due date.
Product: Credit reporting or other personal consumer reports

I recently changed my legal name, and I have made exhaustive attempts to explain my situation to Experian. 

On XX/XX/XXXX, I mailed Experian a letter explaining that I legally changed my name, and that my creditors have already updated this information in their records. I asked Experian to follow suit and update their records with my current name. Attached to my letter, I included copies of the verifying documents requested on Experian 's website. The website requested a copy of my ID, a copy of my checking account statement, and a copy of name change order. 

On XX/XX/XXXX, I received a letter from Experian. The contents of their letter made it seem as if they believed my current name and former name were separate individuals. On that date, I sent a letter back explaining that my former name and current name are the same identity. I rephrased my request to update Experian 's records with my current name as well. 

On XX/XX/XXXX, I received an email from Experian 's dispute department stating my issue had been resolved. However, when I reviewed my credit report, it only had my old name. My Experian account only listed my old name as well. I attempted to reach Experian 's customer service, but I could not reach a representative, and Experian 's AI was not able to comprehend the complexity of my situation. Experian did not explain why the report wasn't updated. 

That day, I discovered that their dispute department has an online portal where one can upload identity documents. Through that portal, I resubmitted the documents Experian 's website claimed was needed to prove that I legally changed my name ( my name change order, my ID, and a checking account statement ). 

On XX/XX/XXXX, Experian confirmed that they were processing the documents via email. 

Today, XX/XX/XXXX, my bank sent me an email stating that I filed an FCRA dispute against them. I did not. I logged into my Experian account, and Experian left me a notification claiming that my dispute is with my bank. They seem to believe my bank has the incorrect name when they do not. 

As I previously explained in my letters, my creditors have the updated name. It is EXPERIAN that only has the former name. If Experian referenced the documents I gave them, they would realize that the name on my ID matches my checking account statement. I submitted the documents hoping EXPERIAN would update my credit report with the current name, and that they would stop using my former name in correspondence with me. As I explained in my letters, the checking account statement was meant to serve as a piece of evidence that I have changed my legal name. 

Once again, I attempted to reach the phone contact Experian provided, but I was not given the opportunity to speak to a representative. 

I'm immensely confused and not sure how to proceed.
Product: Student loan

I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.
Product: Debt collection

I had a {$300.00} credit card with XXXX XXXX Credit Card. I made repeated attempts to make a payment in full with XXXX XXXX via phone and online, but was told by representatives I had to speak to a specific department to make the payment. Every attempt to transfer me to that department was unsuccessful as it would continue to ring without anyone every picking up the line. When I would call the general number to speak to some else, they would state that I could only speak to the department they had tried on multiple attempts to transfer me to, land they did not have a direct line for me to reach someone. 

After multiple failed attempts to make payment with XXXX XXXX directly, they sent the account to collects with XXXX XXXX XXXX and tacked on fees resulting in a payment of {$620.00}. These are fees that I should not be charged as I did attempt to make payment on multiple occasions and was give then run around as to how to accomplish payment.
Product: Mortgage

In XX/XX/2019 the loan servicing company increased our monthly mortgage payment from {$2000.00} per month to {$2900.00} per month. Loan servicing stated that this was because of an escrow shortfall. 

It is apparent to me that the loan servicing company miscalculated the previous year escrow withholding by underestimating the property taxes. This has placed us in an extreme financial burden situation.This raised our monthly payment by {$840.00}. This was unplanned and we were caught unaware. 

I contacted the loan servicing company and the basically stated that it is what it is, pay it. We have paid this every month through XX/XX/2019 but can not continue to do so. This could result in the mortgage defaulting and foreclosure if the loan servicing company will not offer a more amicable payment solution.
Product: Mortgage

I was supposed to be on a forbearance for disaster and I am in a disaster area in XXXX XXXX XXXX, and have been approved for help from Fema but my bank somehow says Im not in a disaster zone per my ZIP Code even though I am and receiving assistance, so they never put the forbearance on my account And tomorrow, My Home Cell at Auction at XXXX XXXX  I believe and I dont have any money to pay an attorney today and I know I need to file an emergency bankruptcy to stop it but I dont have enough debt for a XXXX  XXXX and I cant do a XXXX  XXXX because I cant make the house payment because Im now XXXX from being a victim of XXXX  XXXX Type of Property : Residential Total Amount of Payments That Are Past Due : {$10000.00} - {$24000.00} Total Amount of the Loan : {$200000.00} - {$290000.00} Have You Received a Notice of Default From the Lender : Yes Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX house address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and is set to be auctioned in 2 days on XX/XX/XXXX at XXXX XXXX  but for the last two months Ive been in contact with my lender, M & T Bank and because it is in a presidential declared disaster zone its supposed to be on a forbearance and Fema shows that online and Fema has already extended money to help with the repairs. In addition to that I am a now a single permanently XXXX women & homeowner who is also a victim & survivor of XXXX  XXXX, which is the source of my XXXX, yet the sale is still set for Auction and M & T Bank has never given me a single point contact or helped me in any which way or returned my calls anything and obviously they are not adhering to the disaster forbearance guidelines, as well as my homeowner Rights. my loan is an FHA loan and prior to the forbearance. I was trying to do a loss mitigation but they wouldnt allow it because of the forbearance and I need immediate assistance to make sure I dont need to emergency file bankruptcy tomorrow, can you please call me ASAP XXXX thank you
Product: Mortgage

Thursday, XX/XX/2023. Connected to the online chat agent requesting to discuss the XXXX  Recovery Options available to me coming out of a XXXX Forbearance. The agent initially said that there were no XXXX recovery options available for my FHA mortgage XXXX After letting the agent know that I spoke with someone from HUD who specifically guided me in what to ask for regarding this matter they said that they would look into options, but that they still needed more information. I let them know that I was advised that they were obligated to review my options for coming out of forbearance without additional information aside from that I was not able to begin making my pre-forbearance payment again, and asked if that was not the case. They did not give an answer to this. I asked for a transcript of the chat and was told they could not provide one. It seems obvious that Rocket Mortgage is attempting to not adhere to HUD/FHA guidelines regarding XXXX Forbearance/Recovery options.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I received a loan from XXXX XXXX aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. I and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told by XXXX on XX/XX/XXXX XXXX central because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it. I bank with Chase because I want my money protected. If I unauthorized a charge it should not draft from my account. My bank should be on my side. If at any time a creditor can just dig into my account for any amount of money ... why would I continue to have a bank account?! Unfortunately I have debt because I have low income if this is the case I would live in fear everyday because I keep my income in my bank account.
Product: Credit card

On XX/XX/XXXX  I sent a payment to Target of XXXX through my bank. On XX/XX/XXXX  I sent a payment of XXXX to Target through my bank. On XX/XX/2023 I sent a payment of XXXX to Target. Target claims that they did not receive these payments and that I owe XXXX. They also said that sent a letter in which I did not receive. I sent these transactions to Target Card and they are completely ignoring me.
Product: Credit reporting or other personal consumer reports

Hi how u doing my name is XXXX XXXX and im am wrting this complaint against the bureaus beacuse they claimed they investigated and the claims are accurate which is not true because the accounts are showing charge off each month as if the account is still actively being charged off each month its like the same account getting charged off repeatedly if the account was charged of back then then why are they still updating the account every month thats inaccurate and according to Cornell law that is illegal and its against my rights. I am not getting a fair credit opportunity beacuse of this inaccuracy i need this removed. They are neglecting my credit report and also neglecting there jobs : account number:XXXX  account name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX