23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

was scammed out of {$300.00} via XXXX and bank of America, i was trying to sell an item on XXXX and the buyer said they sent me money, then i got an email saying that i needed to send XXXX {$300.00} so they can verify my account. i followed the directions from the business ' verified via XXXX email. then never heard from the buyer again. once i realized it was a scam i called XXXX and they told me to call the bank and the bank said they couldn't do anything but for me to call XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Central Credit Services, LLC stating that I owe XXXX XXXX  {$120.00}. I called XXXX XXXX and was told that I had forgotten to return a power cord for the XXXX XXXX XXXX. I was told by the representative to return the equipment and they would credit the account. I returned the power cord through XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX ( employee ID # XXXX ) at XXXX XXXX. After an hour and a half on the phone with him trying to figure out where the ball was dropped, XXXX spoke to his managers and found the returned equipment via the XXXX tracking number that I was given. XXXX spoke with the financial representatives at XXXX XXXX who said they would contact XXXX XXXX XXXX, XXXX " at their convenience '' to let them know the debt was settled. I sent a dispute letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX via certified mail and received a receipt that it was delivered and signed for on XX/XX/XXXX. I received phone calls/messages on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, XXXX about this debt after I had sent the dispute letter. I called and left a message for XXXX XXXX XXXX, XXXX on XX/XX/XXXX that they were not allowed to contact me about this debt, and they need to contact XXXX XXXX. I received correspondence from XXXX XXXX XXXX, XXXX with a statement date of XX/XX/XXXX stating I still owe the {$120.00} even though the last few pages XXXX XXXX XXXX, XXXX sent me from XXXX XXXX clearly state that my balance is {$0.00} as of XX/XX/XXXX.  The balance was a " non payment partial write off '' on the bill for returned equipment. Now I 'm not sure if XXXX XXXX has even contacted XXXX XXXX XXXX, XXXX about the resolution of this debt. They can be quite a difficult company to work with. Also in the paperwork from XXXX XXXX XXXX, XXXX on XX/XX/XXXX was a bill dated XX/XX/XXXX from XXXX XXXX for {$120.00} with a due date of XX/XX/XXXX. The initial correspondence from XXXX XXXX XXXX, XXXX was dated XX/XX/XXXX which was before the XX/XX/XXXX due date. I had called XXXX XXXX in XX/XX/XXXX and given them our new home address. All of the bills were being sent to our old address even after I notified the company of the address change. This complaint is first with XXXX XXXX and second with XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen and use to open XXXX XXXXXXXX auto FN account. i contact the credit company and XXXX XXXX and let each know but the account is still on my credit
Product: Consumer Loan

Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop
Product: Credit card or prepaid card

I am became a member several years back an attempt to try this new prepaid credit debit card/bank account Bluebird American Express services. 

I never thought that simple and standard, card services would become a complete nightmare. 

If anyone is thinking about this services I would steer clear away from these services. 

I have tried over and over to get this so called company to resolve this issue and nothing was resolved. 

Then they place hold your account with your added founds for several days and you have no use of your own money. 

Also ever time you make a purchase they double the amount on that one purchase, so that it purposely lowers your amount that you added with your money. 

So finally I asked to just close my account, and send me the balance that I added. Needless to say that they shorten me {$300.00} from the balance that I added to this account. 

This financial institute, didnt even allow me to go into my account or look at my balance nothing. 

The state attorney needs to investigate this company because I really do think this company is in business into robbing people XXXX and legally.
Product: Checking or savings account

Bank of America closed my account, I did not receive notice and they only mailed a letter instead of having something I could see online as well. 

Then they told me they would mail a check and I could not go and get my funds from the account. 

If they did not mail the letter, how am I supposed to believe that I will get mu funds in the mail. I want to go to the bank and get my money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a credit report as of XX/XX/XXXX. XXXX claims that Charter One/FM account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on charter one/fm after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by XXXX. This update and negative charge off in XX/XX/XXXX affected my score and XXXX  is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but XXXX  is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an account with XXXX  ( security company ). I was told that the equipment would be financed through a third party company Fortiva Credit with 0 % interest. Everything was fine and going along with what I agreed to which was {$26.00} monthly payment that was auto drafted out of my account monthly. On XX/XX/XXXX, I received an email that said " congratulations you've earned an account upgrade. '' I did not think anything of it, I figured they just moved me to a different account type. On XX/XX/XXXX, I received the card in the mail along with the disclosures and to my surprise this account now charges 29.99 %. This is not something I agreed to or I signed up for. I was switched to this account without my knowledge. The amount that was transferred over to this account is {$690.00}. I agree this is a balance I owe, but I am not an agreement with paying interest on the money. I want to be switched back to my retail account and finish paying my monthly balance. 

My contact information : XXXX XXXX -- XXXX -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Product: Vehicle loan or lease

After I have a total loss of my car the past XX/XX/2020 I still make the payments even though I don't have the car because i wanted to finish my contract terms with Honda because i wouldn't want to messed up my credit, but Honda took my money and still reports me to the credit bureau as a charge off. I pay late but never after the 30 days or 60 days trying to take care of my credit, I've been calling Honda since XXXX XX/XX/XXXX ) and Im still waiting an answer. I paid accordingly to the contract.
Product: Vehicle loan or lease

i have a XXXX XXXX XXXX. The navigation/radio ( XXXX ) does not work. I took it to XXXX  XXXX in XXXX az and they said that the part no longer works due to a short circuit. The part costs over XXXX dollars. On year 1 the battery went dead. Now this expensive issue. I should not have to pay for this expensive part. XXXX needs to pay for this. This is a very defective vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information in regards to a negative debt that is reporting on my credit report that I have absolutely no knowledge about. Experian received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . This is the 3rd time I have sent certified letters to Experian in regards to this account. According to the FCRA Rules, FCRA 623 ( b )  ( 2 ) and 611 ( a ) ( 1 ), i t states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report and provide documents. The fact that I received a response in 8 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this negative account reporting on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for this negative account that does not belong to me. I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. The fact that they said the account was verified means the company had to provide documentation.  XXXX   XXXX   XXXX ,  XXXX  Edition,  XXXX , defines  Verify as, 1 ) " To  prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 ) To  confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Product: Mortgage

Mortgage Servicers consider CFPB a joke. For years I have been filing about my mortgage fraud case and nothing matters. The mortgage company and now mortgage servicer have refused and returned my payments. 
XXXX XXXX XXXX is paying the legal fees for the mortgage servicer in order to avoid paying the title claim. This conflict of interest is ignored. 

Admitted forgeries, a judge ruled no ratified deed of trust and no ratified mortgage note and still no assistance from any organization matters. XXXX is the newest mortgage servicer has submitted the same deed of trust that was adjudicated as " Not Ratified '' as a means to collect a debt. XXXX also fraudulently put an assignment in the XXXX XXXX XXXX XXXX.
Product: Debt collection

EOS CCA is representing that an student loan account that I had with XXXX XXXX now has " US Asset Management Inc '' as a current creditor. That is not correct. They are also representing that I owe an amount which is incorrect by over {$6000.00}. They sent a letter to my address although they misspelled my name. The language that they use is very suggestive that I need to take action to settle this debt with them. This is deceitful. I am currently paying off this loan with a company with which I have had a multi-year relationship. Because loans do sometimes pass to different creditors, this type of letter creates plausible uncertainty about the status of one 's loans and I consider it dishonest and manipulative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Delete Late Payment 3. XXXX Original creditor : XXXX XXXX XXXX 4. XXXX XXXX creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + Experian + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Product: Vehicle loan or lease

Refund - {$190.00} {$0.00} XX/XX/XXXX XXXX XXXX  Refund {$370.00} {$0.00} XX/XX/XXXX XXXX XXXX  Declined {$370.00} {$0.00} XX/XX/XXXX XXXX XXXX  Accepted {$200.00} {$0.00} XX/XX/XXXX XXXX XXXX Returned {$190.00} {$0.00} XX/XX/XXXX XXXX XXXX  Accepted {$380.00} {$0.00} XX/XX/XXXX XXXX XXXX  I asked for an explanation-what is a refund versus a return versus a decline within their banking system. In light of XXXX and all chaos of the world and continuing nonsense, a 3d party agreed to help make some payments while I prayed and waited for some correct governmental treatment and for some unemployment or another job ( despite the large number of business closures/road closures/bridge cave-ins, etc ). 

The third party was present on the phone call and had actually told me to bring them the billing prior to making the phone call. I believe they were initially as confused as I was communicating with the agents but I was not on the call. The party used their own cell phone and I let them communicate privately with 1st Investor 's Servicing Corporation who holds the auto loan, especially considering they were providing their personal banking details ( I departed from the room after giving authorization to the customer service representative ).
Product: Credit card

I have a Regions XXXX XXXX XXXX XXXX credit card account. I notifed Regions Bank of billing errors, and disputed a number of inaccurate interest charges, by mailed letters dated XX/XX/XXXX and XX/XX/2023. The Bank did not respond to my letters nor correct the errors, and continued posting further inaccurate interest charges on account. 
On XX/XX/2023 I attempted to bring these issues, and additional interest transaction problems, to the Bank 's attention for resolution in a certified mail letter. The USPS return receipt confirmed that the certifed letter was delivered to the Bank on XX/XX/2023. A true and correct copy of the letter, with its enclosures and the USPS return receipt with tracking, is attached to this complaint. 
Regions Bank did not respond to this letter, and took no actions on the account to correct the errors or otherwise address the problems identified. 
As of the letter 's date XX/XX/2023 the billing errors amounted to {$59.00} over-charged to the account. However, due to the Bank 's failure to resolve the ongoing problems, additional erroneous interest charges appear on the account 's XXXX and XXXX statements, in the amounts {$46.00} and {$46.00}, respectively. 
In the absence of any explanation whatsoever from the Bank on this matter, the current disputed portion of this account 's balance is not less than {$150.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX and XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX and XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Inam making payments for 3years but rhey keeping on adding fradulent articles and even sheriff dept was reported and they told me that its okay and we got it but never stolped or investigated the matter. its a serious issue and i was told to consult your agency. I have good faith in you
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as Experian, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Product: Mortgage

I have been trying to get a release of lien or a division order signed from Rocket Mortgage for over a year now with no progress at all. They have cost me over {$14000.00}. I have called their office over XXXX times to XXXX different people and not once did any of them answer their phones. If not for a handful of emails, I would have thought they did not really exist. I have been shuffled off to one department after another ; XXXX XXXX | Resolution Advocate Direct : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Direct : ( XXXX ) XXXX XXXX XXXX Senior Special Loans Specialist Rocket Mortgage T ( XXXX ) XXXX XXXX XXXX Servicing Resolution Specialist Rocket Mortgage T ( XXXX ) XXXX None of which answered their respective phones, just to warn you if you try to call. 
Ever day that goes by I loose money and I need a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax requesting how they verified a bankruptcy reporting on my report. Each time they have come back and stated that they verified it with XXXX. Each time I provided evidence from the courts as well as XXXX. So how is this possible? XXXX do not match public records data to consumer credit files for Equifax. Equifax performs the matching themselves. According to the FCRA, if requested properly by the consumer the reporting agency must provide documentation that the negative item is mine, according to the FCRA, the item is classified as Unverified, and all unverified accounts must be DELETED!! XXXX deleted the account because it could not be verified, neither can they .... now it must be deleted!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Complainant has attempted since XX/XX/2019 to remove fraudulent accounts from his report that was contributed to ID theft. Complainant sent block request to all CRA 's beginning on or around XXXX of 2019. XXXX, and XXXX  complied with the block request, however, Equifax indulged in a " block game '' with Complainant. 

Complainant has submitted documents showing that Equifax blocked the items in question on two occasions ( XXXX 2019, XXXX 2019 ) just to re-report the items again on Complainant  consumer report. Not only are the actions of Equifax intolerable and has caused Complainant  severe harm, but they are a blatant violation of the Fair Credit Reporting Act. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.