23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of an item that was previously deleted from my credit report. The item in question pertains to XXXX XXXX  accounts # XXXX and # XXXX This item was deleted from my credit report on XX/XX/2024 after a successful dispute. However, upon reviewing my recent credit report dated XX/XX/2024, I have noticed that the item has been reinserted. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, the credit bureau is required to notify the consumer within five business days of re-reporting a previously deleted item. I have not received any notification regarding the reinsertion of this item. Therefore, I am requesting the immediate re-deletion of this item from my credit report. 

For your reference, I have included copies of the following documents : 1. The response letter from TRANSUNION confirming the deletion of the items dated XX/XX/2024 XXXX. The response letter from XXXX XXXX  confirming the deletion of the items dated XX/XX/2024 XXXX. A copy of my recent credit report showing the reinserted item dated XX/XX/2024 Please conduct a thorough investigation and provide written confirmation of the actions taken regarding this dispute. Additionally, I request that you provide a copy of my updated credit report reflecting the removal of this incorrect information. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and electronic transfer amount of {$950.00} from XXXX XXXX XXXX XXXX to XXXX through XXXX was not completed due to a connectivity issue. I have contacted XXXX XXXX XXXX XXXX daily in an attempt to resolve this issue but to date ( XX/XX/XXXX ) the money has not been returned to my account. I have incurred {$45.00} in late fees due to this failed transfer.
Product: Payday loan, title loan, or personal loan

XXXX XXXXXXXX XXXX did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Credit card or prepaid card

I have been charged late fees when making my payment on due date. Prior to this month I wasn't recieving statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). ABILITY RECOVERY SERVICE violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Product: Mortgage

In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change.

I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short.

ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}.

ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount.

ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee.

ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

XXXX XXXX Acct # XXXX amount XXXX DateXX/XX/XXXX
Product: Debt collection

The company provided the cc information to unauthorized individuals. The company XXXX of fraud charges to be placed on the account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX {$2100.00} 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I want to change my repayment plan. The only way to do so is to talk to someone on the phone or chat with an agent. I have attempted to chat with an agent many times, and every time the system is down. Every time I try to call the wait time is over 8 hours. I really need to change my repayment plan and can not because of these issues.
Product: Debt collection

I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX They state I owe {$85.00} to : XXXXXXXX XXXX XXXX XXXXXXXX. 

I HAVE NEVER USED THIS MEDICAL COMPANY. 
I CALLED MY DR 'S OFFICE, WHICH IS A DIFFERENT NAME, AND I DO NOT HAVE A BALANCE. 

THIS IS A SCAM!!!
Product: Credit reporting or other personal consumer reports

Ive Recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate Discover Account Information Dear TransUnion Dispute Department, I am writing to dispute specific information on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my consent : 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 XXXXXX/XX/XXXX Per the FCRA, such inquiries require my explicit authorization. As I did not consent to these, I request their immediate removal. 

Inaccurate XXXX Account Information : The XXXX account listed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off This account has been settled, and the charge-off status is incorrect. Please update this account to reflect its accurate status or remove it if it can not be verified. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address Highlighted credit report indicating disputed items I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One alerted me by text and email on XXXX XX/XX/XXXX of new checking account and permission to use my cell number. Separately, I emailed Capital One 's abuse reporting address to report fraud and received no response. 
On XXXX XX/XX/XXXX I received a debit card by mail. I called Capital One to report fraud and was told the account would be closed and an investigation started. On that and several follow-up phone calls I was told that a " victim letter '' would be sent to me to document the incident. 
Weeks later I received an account statement showing the account was closed XXXX XX/XX/XXXX. 
I would like to have the promised " victim letter '' and information on how this fraud was perpetrated. Thanks.
Product: Mortgage

I have been in contact with Cardinal Financial since receiving a notice on XX/XX/XXXX that my taxes were delinquent. I have called numerous times, from XX/XX/XXXX through XX/XX/XXXX, with no resolution. I was told numerous things including : we also received the delinquent tax notice, I am showing that your taxes were paid, they are still working on it, I am escalating your request, You should have confirmation in 24-48 hours, and You will hear from a manager within 5 business days. 

None of these statements were accurate nor true. They were meant to get me off the phone as quickly as possible. I have talked to supervisors and left messages for their supervisors to no avail. 

I called the delinquent tax collector for my school and they have not received a request for payment of taxes on my behalf. 

I have the dates and times and the people I talked to if they are required. 

If I wait for Cardinal Financial to resolve this I will have to buy my home back at Sheriff 's sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, Us Bank ( account number : XXXX ), has violated my rights Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Credit acceptance still posting a XXXX car loan on my credit since 2018 like Im not making the payments when I never wanted the car and I told credit acceptance that after I took home the paper work and read and notice how much APR They put on my loan I changed my mind the very next day was told by one of the receptionist that a check was already send out to the dealer like if it couldnt get cancelled which I knew was a lie a bank dont send out a check until at least 30 days I need to sue them for pain and suffer messing my credit up and still reporting this vehicle like I have in my possession
Product: Checking or savings account

I was solicited by the company XXXX XXXX on XXXX XXXXXXXX XXXX. I was sold a product that I was not able to use and the and attempted to cancel the contract the next day the company refused so I filed a complaint with Bank of America whom I have been banking with for 16 years. I explained the situation and told them I was within a 3 day timeframe to cancel the contract. This dispute was started over a month ago with no resolution and Bank of America telling me that its up to the merchant to refund my money when I purchased the items with my Visa card I was not refunded the {$4000.00} to my account as of todays date, Bank of America has also stated that they did not receive fax that I sent them so today I stayed on the phone until they could verify the fax had been received, so not only have I been ripped off by a IdealImage but my own bank is taking their sweet time to put my money back in my account. I want this resolved they told me it could take up to three months that is not acceptable for something that shouldve been canceled within a three day contract cancellation that is my legal right to utilize.
Product: Mortgage

I am concerned that my loan servicing company SPS ( Select Portfolio Servicing, inc. ) is purposely delaying my loan modification process in order to prevent me from qualifying for the program before it ends in XX/XX/XXXX. I have repeatedly been told that my application is incomplete and asked to provide information that was already provided. They do not notify me that documentations are needed at the time, I have to follow up regarding status only to find that it is on hold because they are awaiting information ( generally that they already received. ) They are also now requesting that I produce a " new '' rental agreement for a XXXX property I own to prove income. I showed them the original lease that clearly shows a switch to month-to-month tenancy after it expires. The same tenant has occupied the residence for years and it is not reasonable to ask him and HUD to execute a new agreement since we already have an implied month-to-month per the original lease. HUD ( which is a government agency ) accepts this as an agreement and pays us based on it. In addition, the servicer has my tax returns and bank statements that clearly show the rental income ( which is at a loss so has no bearing on the loan modification. ) In addition to documentation from HUD with the breakdown of what they pay and what the tenant pays which can be verified by tax returns and bank statements. This is a clear and sufficient paper trail but they are staying it is not because the lease eludes to a new written agreement. Reverting to month-to-month tenancy after lease expiration is standard practice in the industry and the document is worded accordingly. In addition, this is a legal real estate document provided by XXXX so we can concur that it is worded to be enforceable by law. This modification was started over 4 months ago and is being held up for frivolous reasons. I have also only just learned that the program shuts off in XX/XX/XXXX so if my application is not complete by this date that I will not be eligible.
Product: Debt collection

These items were purchased by a third-party debt collector. These accounts must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by the third-party debt collector. As you can see by my attached supporting documentation and highlighted issues. This information is NOT CORRECT & NOT ACCURSTE. There for it must be DELETED IMMEDIATELY. 
Ive disputed these item multiple times and I never receive any information or change to my credit report. The result would show as Not Changed : Disputed information was verified as accurate. Which this is not correct. According to the FCRA, companies promise to report information that is accurate and complete and none of this is accurate, complete, or fair. 
Here is the account name and number for reference and incorrect amount also. 

CREDITOR : 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 : {$290.00} How much did the collection companies pay for this item? I dont know neither does my credit report reflect this amount. This a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
I am not working with ANY CREDIT REPAIR COMPANY. For verification I have attached my license and a bill for proof. Please do not send me a standard INFORMATION VERIFIED EMAIL or LETTER. I am not asking for verification but showing you exactly what has been wrong after reportng multple times.
Product: Credit card or prepaid card

Chase Cardmember Services, XXXX XXXX XXXX, XXXX, DE has modified its card member agreement on it's Amazon Rewards Signature credit card effective XXXX  to include a " Penalty APR '' of up to 29.99 %. 

As if the company wasn't already making outrageous interest on purchases, but to have the immorality to create a so-called " Penalty APR '' in the event a minimum payment isn't made by the date and time that it is due, or if a payment is returned unpaid, rather than institute a late fee ONLY that doesn't impact the card 's APR that " could potentially remain in effect indefinitely '' is just plain wrong and should be investigated.
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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXXThis 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 60days 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 21 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX card account keeps appearing on my credit report I disputed it's removed there it is again reported in a different number sometimes I become an authorized user sometimes it becomes an individual account sometimes it becomes someone else 's account sometime it becomes stolen or lost card it is completely making my credit score fluctuate
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$4900.00} was transferred out of my checking account to an XXXXXXXX XXXX 'customer as gift. I made repeated calls to my bank that I did not authorize the transfer and wanted the transferred stopped. 
I was told my account would be blocked and no money should go out of my account. The {$4900.00} got withdrawn from my account anyway. 
I opened a fraudulent case - XXXX - on XX/XX/XXXX and I was informed that my claim had been denied on XX/XX/XXXX as an one time code as used for the transfer. Somehow someone managed to get access my account to initiate the transfer. 
I tried to re-construct the sequence of events and the details are in the attached file.
Product: Credit reporting or other personal consumer reports

This is related to : ID FOR COMPLAINT SENT TO XXXX XXXXXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX I called the bureaus today ( XX/XX/XXXX ) to check on the status of my disputes but they're saying that they did not receive my complaints. I checked my CFPB report status today and it says here that the companies responded to my complaint. How is it possible that they responded to you but when I spoke to them, they're saying that I don't have any open complaints? This is just unacceptable. I am victim of identity theft and I'm afraid that the person or people behind this are getting away with their crimes freely and you are not taking actions to protect me and my information.