23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had it with your shoddy reporting practices and your inability to verify information. I have repeatedly requested that you delete the disputed account listing from my consumer file, but you have failed to comply with my requests. I demand that you immediately delete this inaccurate and incomplete report from my credit file, as is mandated by the FCRA. Despite my repeated attempts to have this issue resolved, you have failed to take any action. Your lack of action is a direct violation of the FCRA, which mandates that information reported must be accurate and complete, updated, and verifiable. I have disputed the information for the account in question through both your agency and the furnisher of information, as provided under the FCRA. However, you have failed to take any action to resolve this dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am writing this complaint because XXXX XXXX  aka XXXX has been reporting a credit card on my account without my approval and i clearly explained to them the issue and they promised to remove it but never had. My score has been tanked and also lost age of history length because of this new account. I would like to have this XXXX account removed and i need HELP. This is the account below. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Bank of America closed my credit card account on XX/XX/2018 for return payment. I did setup a payment from my external bank checking account to my BOA credit not knowing my checking bank was going to deduct huge amount from my checking which caused the return payment. I have been struggling with my finances since I started my trucking business in XX/XX/2018. It took me almost 90 days to get my first business from shippers as most required my trucking authority to be at least 90 days before they can do business with me. I called Bank of America to resolve the issue but didn't het no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i filed a dispute with equifax. I just checked and the web page for disputes pertaining to Equifax says temp unavailable. This has already been a week with the same message. I call the phone number and it is impossible to get through to a live person. On the phone it says that the investigation was completed on XX/XX/XXXX. I never received the results. If Equifax is so irresponsible to handle my dispute with such disregard. I dont see why they should be allowed to report on my credit. My name is XXXX XXXX the last four of my social are # XXXX date of birth is XX/XX/XXXX. I want someone to call me from equifax. I also want my results mailed to me. Lastly I want Equifax reprimanded for not keeping thier website in working order.
Product: Checking or savings account

I saw an online promotion to open a checking account and receive a {$300.00} sign-up bonus for direct depositing {$500.00} within the first 60 days. I clicked the link in the promotion to make the account, and filled out the application. After doing this, I was unable to see the account when logging into Citizen 's, even a few days later. I went into the branch to check the status, and they told me the account didn't get opened, and opened one for me in the branch.

Around 2 weeks later, I logged into Citizen 's and saw I now had 2 accounts. The original account did end up getting opened. I went into the branch and asked them to confirm that the account was setup correctly to receive the terms of the online promotion. They told me that it was not coded to receive the promotion. Instead, they sent me information about a different person 's account ( my husband 's ). 

I asked them to fix the account, but they refused. They said I should fulfill the terms of the offer, wait to see if the account was credited, and if it wasn't, then they would consider next steps. There is no reason to believe it would be credited, given they explicitly told me it was not coded to be credited. It seemed they wanted me to create the account and deposit money without honoring the offer terms. 

They also suggested I can close the account and reopen it. However, the promotion clearly states that only the first account is eligible, so doing what they suggested would have invalidated me from being able to fulfill the terms.
Product: Mortgage

Our mortgage servicing was transferred over to Shellpoint Mortgage Servicing on XXXX XXXX from XXXX XXXX XXXX. Both companies are known as grifter type mortgage companies that intentionally tries to raise your household expenses until you can't afford your mortgage any longer. The first scam that Shellpoint attempted to do was purchase mortgage insurance on our home without our consent. When they failed at that since we had our own mortgage premium, they raised our mortgage amount claiming the escrow account needed to be adjusted. My wife and I found out today that our property taxes were not paid for this year. The tax bill was sent to Shellpoint in XXXX by means of certified letter. They intentionally didn't pay the taxes and received the tax bill in ample time. All homeowners connected to these grifters are suffering the same hardships. They need to be stopped. I read countless reviews about these grifters along similar circumstances of other homeowners and now we are victims of the same scams. As long as these grifters are in business no homeowner are safe from their scams. We are in the process of seeking legal help to fight this trash company.
Product: Student loan

I was enrolled in auto-debit to pay off my student loan. The auto-debit was successful and the money left my bank account. There is no record of my payment on Nelnets website however, and now my loan is marked as past due,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully disputed and XXXX, XXXX and Experian to remove a collection reported by XXXX XXXX. However, Experian Re-inserted the collection by XXXX XXXX that was removed on XX/XX/2020 without giving me a notice. According to FCRA, If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion. The Reinsertion of previously disputed information which is governed by FCRA 611 ( a ) ( 5 ) ( B ) is violated by Experian. The collection amount is {$1700.00} and original creditor reported to all bureaus was deleted after validation was requested by me.
Product: Money transfer, virtual currency, or money service

I agreed to purchase an item with a seller on XXXX. He asked me to use XXXX as payment. The seller requested {$160.00}. Afterwards, the seller block my phone number and any contact attempts. I disputed this with XXXX and they instructed me to go to my bank, BBVA. I filed a dispute with BBVA. They denied the claim and said it needed to be disputed with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions 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

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) {$770.00} XXXX 's ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Mortgage

I tried to refinance my mortgage due to a hardship with a divorce and a custody battle. Wells Fargo asked me to go in forbearance ( not explaining ). Now I'm trying to assume payments and refinance my mortgage but they want the total balance due which is XXXX. I have tons of equity built up and a balance of XXXXowed. All i ask is for the help to refinance my existing loan. I go to court XX/XX/XXXX for the final custody issues and hopefully with me having custody of my son i will not have to pay child support any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, XXXX, and Equifax. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXXXXXX XXXX ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX
Product: Vehicle loan or lease

This complaint is about PNC and their lack of communication when giving lien releases to their consumers. After my loan was completed I didn't receive any information from PNC through email, text, or phone call. I waited until the end of the XXXX  the loan was paid off to start looking into selling my vehicle. When I found a seller I went to a PNC branch to pick up a lien release only to be told it was mailed out to my parents address. It was allegedly mailed on the XXXX XXXX XXXXXXXX but hasn't arrived yet. I requested a new copy be sent to me on the XXXXXXXX XXXX XXXXXXXX and was told there was no way to use express mail. PNC had no issue overnighting a check for me to take out another loan with them but can't get the lien release to me in a timely manner. I haven't been given any explanation for this other than it's not possible. I've also received mail from them XXXX XXXXXXXX XXXX, about a new loan I took out on the XXXXXXXX XXXX XXXX which actually led me to create this complaint. Customer needs are not being prioritized but PNC has no issue making sure you know how to pay them in a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for credit and I was denied Lexis Nexis consumer was one of the companies listed that creditors used for their decision. Therefore I requested a copy of my consumer file to review for negative information reported on file by Lexis Nexis. However, I see on my consumer disclosure file Lexis Nexis is still reporting several old insurance claims dated XX/XX/XXXX, and XX/XX/XXXX that are past seven years old. Another claim listed on my report on XX/XX/XXXX, under my government name I never had or authorized my personal information for car insurance with that insurance company and had no afflation with the unknown driver listed with that insurance company reporting a claim on my file dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from XXXX, XXXX and Equifax are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX and XXXX  credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX
Product: Credit card

As of XX/XX/2023 I am unable to login to chase.com online web portal to see my transactions and do anything else with my account. Right after login I presented the screen requiring me to accept some new agreements. First agreement is 10 pages long, and second agreement is 125 pages long. It is unacceptable to block access to my account before I read 135 pages of legal text. 
Also there is no option to decline or even contact customer service via secure message, since I need to log in before that.
Product: Money transfer, virtual currency, or money service

I am filling 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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I was shopping online for personal loan, I started from the website of a online lending platform called XXXX XXXX, the webisite have said that they will not do a hard inquiry on my credit report. Then OneMain Financial, which got my information through XXXX XXXX, approached me via email to ask me to apply for the personal loan, after I typed into my information, without any notice, they have conducted a hard inquiry on my credit report which cost me 14 points. I would not give them my information if I was notified that OneMain will do a hard inquiry on my report.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, Experian, and XXXX. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX ( {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports. 

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records. 

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove. 



Sincerely,
Product: Vehicle loan or lease

My auto loan ( Hyundai Finance # XXXX XXXX began on XX/XX/2017. Although my required monthly payment is {$360.00}, I have had {$400.00} set-up as my auto pay amount since the start of the loan. All payments have been made on-time. I recently discovered that my over-payments were not credited to the principal as I expected but rather were supposedly credited to " future payments '' ( despite my continuing to be billed every month and debited ). I will attach a recent statement and payment reminder.
Product: Debt collection

Rent Recovery Solutions LLC called me, my husband, and my mom multiple times saying I owed debt. I knew I did not owe any debt because we no longer rent and our apartment had already sent us our security deposit months before. I just ignored the calls knowing that it was fraud. Then, I received a notification from my bank that Rent Recovery Solutions LLC had filed claim that I owed {$140.00}, then closed the account. This tanked my credit score by over XXXX points. Online, all reviews and information confirms that this is a fraudulent company.
Product: Credit card or prepaid card

I was frayed on 4 different credit cards and until I checked my credit I did not know nothing. I never got anything in the mail. I ended up paying the account in full because it was damaging my credit. I had to pay one other one to. They had the wrong address on file and everything. I never requested for this credit card.
Product: Debt collection

I checked my credit report, and saw an account for General Revenue Corp for XXXX XXXX University in the amount of {$6000.00}. At the time the account became delinquent and I had to drop out of, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
Product: Credit reporting

This has happened before already with the same account which does n't belong to me ( XXXX ) that has been forwarded to a collection agency. This is identity theft and I will not allow it to ruin my credit score again
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XX/XX/XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from  either XXXX XXXX XXXX or from XXXXl XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to XXXX XXXX that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, Experian, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.
Product: Credit card or prepaid card

Hello, This is regarding Shop Your Way Master Card ( XXXX  ) : {$4800.00} Balance Transfer Conversion Check ( BTCC ).

I have paid my monthly statement balance in a timely manner.

The problem is when I send additional monies to be applied to the BTCC these monies are applied to the 20-25 day grace period, which is not due until the closing date. I am ialways on the phone with the XXXX representatives to make sure the additional monies will be applied to the BTCC and the representatives all assure me the monies will be applied to the BTCC. 

Soon after, upon my checking and calling the call center again, the XXXX  representatives time and time again, site the system and this is with them asking a supervisor.

Note I have also spoken to supervisors resulting with the same. 

My last payment of XXXX resulted with XXXX applied to the not yet due closing date bill and {$150.00} applied to the BTCC. This ended with the account balance still due including interest, which was not my intention.

Moreover, in the most recent months pass, I paid {$220.00} weekly to pay off this debt sooner and the monies were not applied to the BTCC as intended and as assured to me by the XXXX  representatives.

Also, my last phone contacts with XXXX  representatives ended in the first representative remaining mostly silent with few words of assistance ; the call was disconnected.

The second representative seemed to understand my long-enduring dilemma until she spoke with a supervisor and sited the system as the fault with no reasoning ; she hung up the call on me.

Your attention to this traumatic situation is greatly appreciated. 

Thank you, XXXX XXXX