23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Adjusters has reported that I owe XXXX XXXX XXXX {$3300.00} which has impacted my credit score. In fact, I just received a letter in the mail stating that I actual owe {$310.00}. I have attempted to correct this through XXXX  and XXXX   but I have not been able to submit this letter proving the large amount of {$3300.00} reported is incorrect.
Product: Debt collection

I am filing a formal complaint against Recovery One LLC for their continued violations of the Fair Credit Reporting Act ( FCRA ) and relevant California state laws. Despite being informed that I am a victim of identity theft, Recovery One LLC has refused to adhere to FCRA guidelines and continues to report fraudulent information to credit reporting agencies and pursue collection activities. 

**FCRA Violations : ** 1. **Section 605B ( 15 U.S. Code 1681c-2 ) - Blocking of Information Resulting from Identity Theft : ** - Recovery One LLC has failed to block the reporting of information identified as resulting from identity theft, despite receiving appropriate documentation from me, including a police report and an FTC Identity Theft Report.

2. **Section 623 ( a ) ( 6 ) ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : ** - They continue to report information to credit reporting agencies that they know is inaccurate and have not conducted a reasonable investigation into my disputes.

3. **Section 611 ( 15 U.S. Code 1681i ) - Procedure in Case of Disputed Accuracy : ** - Recovery One LLC has not fulfilled their obligation to investigate and rectify the disputed information within the 30-day period required by law.

**California State Law Violations : ** 1. **California Civil Code 1785.16 - Investigation and Correction of Disputed Information : ** - Recovery One LLC has not conducted a thorough investigation of my dispute within 30 business days and has not corrected the inaccuracies on my credit report.

2. **California Civil Code 1785.25 - Responsibilities of Furnishers of Credit Information : ** - They have provided information to credit reporting agencies that they know, or have reasonable cause to believe, is inaccurate, and have failed to promptly notify the agencies of any discovered inaccuracies.

3. **California Civil Code 1788.18 - Identity Theft Victims : ** - They have not stopped collection activities on the fraudulent debt, nor have they ceased reporting this debt to credit reporting agencies after being notified of the identity theft and provided with the necessary documentation.

Despite providing Recovery One LLC with comprehensive documentation of the identity theft, including a police report and an FTC Identity Theft Report, they continue to report the fraudulent debt to the credit bureaus and pursue collection activities. This has caused significant damage to my credit profile and emotional distress.
Product: Vehicle loan or lease

I had a Auto Loan with US Auto, which was supposely transfer/bought out by Westlake Portfolio Management . I called Westlake Portfolio Mangement and ask for a copy of my contract because the lenght of the terms they have is not matching my orginal contract that I signed with US Auto- I was told that they can not locate my signed contract. I asked may I hold any payment until they send me a signed copy of my contract. They advised me that I can but my car will be put on the repossession list if I do not make a payment today. Other representative just put me on hold for hours until they send me back unto an pre-recorded message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$150.00}
Product: Credit card

On or around XX/XX/year>, I received 3 letters from Capital One 's " Fraud Dept '' stating that a new Federal requirement states I need to send them certain tax documents to verify my tax ID number. I have attempted this three times since then with various tax documents only to find out ( without being notified ) that they have suspended all three of my accounts. When I called, the rep seemed anxious just to close out the accounts although I have been a customer with them for well over 10 years. He would not send me a copy of the required documents insisting that he rattle off the list while I take dictation. We are a very small company, not an XXXX XXXX or a XXXX XXXX and I am the sole womanXXXX XXXX  We do not have any of the tax documents they are asking for because they do not apply to XXXX XXXX Again, I have cards from XXXX and XXXX and they do not require these documents. I feel I shouldn't have to close my accounts with them as that would impact my stellar credit rating.
Product: Credit reporting or other personal consumer reports

I have paid the account to zero balance on XXXX. The same day the statement came out. I reached out to the card company since they did not accurately reflect the correct information on the credit report. They said the balance would reflect zero balance and would be updated by the end of XXXX XXXX As of today they are reporting I have increased my use of credit from {$370.00} to {$410.00} when this entire time I have a zero balance and a credit for overpayment of {$4.00}. I have disputed this with the credit report agency and the credit card company again confirmed the incorrect information as accurate. I have balance statements and live app information to confirm my information is a zero balance but neither the card company nor the credit report company will update to reflect the accurate information and continue to reflect the fraudulent reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed one complaint already about XXXX XXXX XXXX ( XXXX ) and the fact the the mortgage was paid off. Once again, XXXX has put the loan amount back on my credit which has since lowered my credit score again!!! XXXX needs to remove the paid mortgage off of my credit with Experian because they are showing the mortgage has an open balance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX U.S. Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX U.S. Bank Home Mortgage Attn. Credit Bureau Disputes XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : Request for Credit Bureau XXXX XXXX for Loan # XXXX secured by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ohio XXXX. 

Dear Research Department, This correspondence is in response to our recent conversation and is a follow up to my complaints and many attempts to get U.S. Bank ( the bank ) to report my credit standing to the three major credit agencies. I am requesting that the bank make a correction to my credit file at all three credit reporting agencies ( XXXX, XXXX  and XXXX ) effective XX/XX/XXXX to the present and each month hereafter. 

I purchased this property in XX/XX/XXXX. Since that time, I have made my monthly mortgage payments on-time, every month for six years. Due to certain circumstances, I filed for Chapter XXXX Bankruptcy in XXXX ; all the while continuing to make payment. In/or around XXXX of XXXX, US Bank Home Mortgage not only stopped reporting these payments to the Credit Bureaus, they also pulled all previous on-time payment history. 

I was informed that if I were to refinance my loan then they would once again begin their Credit Bureau reporting. 

There is a triple/if not quadruple whammy going on here XXXX not in my favor ). First : payments are no longer reported ; second : all previous payment history is pulled ; third : with the bankruptcy, the pulled history, the non-reporting ... leading to the fourth hit : a much lower credit score ... will US Bank now refinance the loan as suggested by customer service? I tend to think not. No bank would. 

I believe/know, that this policy by US Bank is not right and needs to be corrected. 

Again, this is an Formal Executive Complaint. 

Thank you for your alacrity regarding this matter. 

Regards, XXXX XXXX XXXX ( C ) XXXX
Product: Student loan

I've been getting scammed by this company for many many years, in fact 15 years since I graduated college. Never! have they applies my principal payments to the actual principle ... And as of late, they have started charging unpaid interest which I am sure down the road will result in delinquency ... and more late fees. What makes me furious is that I am setup on auto draft and when I check my account it says I AM PAID AHEAD! Here is a sickening example. I had one unsubsidized loan for {$2500.00} ( and change ) ... and after more than 10 years of paying that 6.7 % loan and literally 20+ principle payments, I still owe {$1200.00}. This is ridiculous, I've paid this loan off 10 times over. Funny how my payments for this loan were applied to my 2.7 % interest loans. How much do you plan on ripping me off for, sum total, over he course of 30 years - AES? 

For those of you who do not believe me, please search ripoff and other consumer advocacy sites for AES SUCCESS and their deceptive practices as well as their new scam the variable 'unpaid interest '' scam that appears to fluctuate depending on whatever they feel like stealing for that period of time. 

I am so sick of this company ... Had they applied my payments correctly, as opposed to strategically applying them to benefit themselves and steal from consumers like me, my loans would be nearly paid-off now. Disgusting and deceptive ... My only retailiation is Karma ... and to that end, I foresee a class action in the coming years. If I had the time, I'd start one now. 

Sincerely, XXXX XXXX
Product: Credit card

Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX   XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as Experian is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( TransUnion, XXXX, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( TransUnion, XXXX, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I REQUESTED FOR DEBT VALIDATION OF CLAIM ACCORDING TO 15 U.S.C 1692G. 
I DONT KNOW THIS COMPANY AND I DONT OWE THEM.
Product: Mortgage

I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not fix error on my consumer credit report. ( XXXX XXXX XXXX ) currently reports as verified, while still reporting a last date updated was in XX/XX/2018. This is a violation for not sufficient be investigating this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX AND JPMCB HOME are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great  XXXX and XXXX  to were I may need to be seek XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The way the customary fee is calculated it's not a fee it's hidden interest ontop of the 24 % that I agreed too. The interest custermary fee looks to be in the naborhood of 300 % to 350 % Now I have had this for a while paid it of a couple times but jut over the last month really looked at my bill and seen this fee if I would have been told I was going to be paying a 300 % interest fee I would have not gotten it. I knew of the 24 % intrest. And what got me looking is I made a {$2000.00} payment and it didn't seem to make and real impacted to what I owed. And then the bill came in and I looked and didn't see any thing so I called and the people could answer anything about who the bill was figured or what the way the figured. So a few weeks later I got another bill I looked at it. And so happen to see something on the back it was fees and interest. 24 % interest and then thus fee that was in the naborhiid of 320 % which fluctuates from month to month like interest. I did agree to the 24 % but never to the 300 % interest fee
Product: Credit reporting or other personal consumer reports

I am a victim of online fraud. My checking checking account was compromised for XXXX fraudulent charges, adding up to nearly {$3000.00}. I had about {$800.00} in my checking account at the time. Since I had overdraft protection with a credit card also issued by Wells Fargo, I was charged {$2000.00} to recover the deficit from my checking account while my checking account was overdraft due to the fraud.

My checking account was immediately closed. When I called to resolve the situation with Wells Fargo customer service, they proclaimed they would not reimburse me for the money in my checking account. Also, they told me since my credit card did not have fraudulent activity, they would not count it as fraud, and I would need to pay back the money to Wells Fargo. I have not received any support and luck trying to sort things out with Wells Fargo.

I continuously called to address the charges on my credit card. I spoke to many people, including supervisors, regarding the money I lost in my checking account and the charges on my credit card.

Now, I am coerced to pay back the balance, and they will not reimburse the money taken from the checking account.

As a result, my credit card has been accumulating interest and late fees because I havent paid this account, and I dont feel like I have to pay for it since I was a victim of fraud. They have ruined my credit and will not empathize with me. I do not have a lot of money, so I can not hire a lawyer, and even if I did, I can not compete with Wells Fargos attorneys. I feel helpless, and I am reaching out in hopes of getting justice and resolving this issue.
Product: Credit card or prepaid card

On XX/XX/2023 I spotted 2 unauthorized charges on my CIti Dividend card from XXXX, one {$15.00} and another {$55.00} and notified Citi. Citi closed my old card, issued security credit and started an investigation. On XX/XX/XXXX Citi sent me a letter saying the 2 charges were legit and put them back to my new card. It was puzzling how they made that conclusion since the orders were placed from an email which was different from the one I registered with XXXX or Citi.com. I called Citi 's Security Operation. The agent said they will re-start the investigation. When asked whether I should pay the charged while the investigation was going she specifically told me " no, you don't have to pay ''. These 2 charges were the only thing on my XXXX statement so I didn't send any payment. Then the XXXX statement came with these charges as overdue together with a late fee. On XX/XX/XXXX and XXXX I called again, the agent promised they would credit my account but nothing happened. On XX/XX/XXXX I asked to speak to a supervisor. this time she said the Security Operation couldn't issue a credit while the investigation was on going and there was nothing she could do and " suggested '' me to pay. When asked to speak to her supervisor she said they can only be reach via snail mail. 
I've been a Citicard holder for 20 years and kept a perfect payment record. Now my credit is affect purely because of the incompetence of the Citi Security Operation agents and the couldn't-care-less attitude of the " supervisor ''. 
Yes Citi is a giant cooperation so much so that they think they don't have to care about their customer 's satisfaction. I doubt how effective this complaint would be in solving my problems but I still would like to put my experience out here on record.