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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX  Account Name : XXXX XXXX XXXX  : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. is reporting to all 3 bureaus that the debt is still outstanding and this is incorrect is has been paid and this account should be deleted The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 items that are in collections on my credit report, these items have been on my credit report in collections for 6 years. They were removed XX/XX/XXXX. The end of XX/XX/XXXX and XX/XX/XXXX all 4 were placed back on my credit report by new collection agency 's Please see below 1st XXXX XXXX date of service XX/XX/XXXX amount XXXX. 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

2nd XXXX XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX and was removed XX/XX/XXXX. Now back on my credit report with XXXX XXXX as High Impact. 

3 and 4 XXXX XXXX XXXX XXXX date of service XX/XX/XXXX amount XXXX date of service XX/XX/XXXX amount XXXX 1st collection agency XXXX XXXX XXXX for both, both removed XX/XX/XXXX, Now both back on my credit report with XXXX XXXX XXXX as High Impact
Product: Credit reporting or other personal consumer reports

VIOLATION OF THE PRIVACY 1974, AND BLAINTED VIOLATION OF COMPANIES TERMS OF AGREEMENT PRIVACY POLICIES AND DIRECT DISCRIMINATION OF MY CREDIT PROFILE.
Product: Credit card or prepaid card

I have been getting harrased by Comenity bank because they alleged I havent made my payments. They have charged me multiple late fees and have been charging me fees for not paying my credit card. Which is absolutely false They have not been posting my payments for the past XXXX payments I have made of $ XXXX, $ XXXX, $ XXXX, $ XXXX they have not applied those payments at all to my credit card and due to that I have been charged late fees and keep getting call to make a payment. I called and they said they can see my payments and will make a note to fix it however they have not fix it and its affecting me because I have to keep making payments and I keep getting call to pay when I already did. I have called multiple times and ask to speak to a supervisor they do not transfer me, I'm very concern because this can affect my XXXX XXXX I have statements from my bank that show that those amounts have been withdrawal by them. I'm really scared I really need help its really stressful to go through this when I'm making my payment but I keep getting call that I dont and that there is multiple late fees.
Product: Mortgage

Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.
Product: Debt collection

Company has called using robocallers multiple times, demanding payment without explaination of debt.
Product: Credit card

made my wife s credit card payment on time and they still assessed a late payment fee and will not reverse it
Product: Debt collection

I recently checked my credit report and noticed Wakefield & Associates is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This companies doesnt have any proof or written signature of mine to validate this debt saying I owe them.
Product: Debt collection

My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.
Product: Mortgage

I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.
Product: Vehicle loan or lease

AMERICAN HONDA FINANCE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TO : HONDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to XXXX XXXX XXXX XXXX. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for my personal records. 

Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. 

THIS NOTICE WAS SENT TWICE : CERTIFIED MAIL RECEIPT NUMBER XXXX CERTIFIED MAIL RECEIPT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

True Accord, part of XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that falls outside of the legal time line to collect. I do not acknowledge this debt and have no knowledge of it.
Product: Mortgage

I am trying to sell my home and have to close my HELOC account. Despite having XXXX balance on the HELOC, and despite XXXX attempts to close the HELOC, it has not been closed. My attorney asked me to have the HELOC " Frozen '' but Customer Services noted they were unaware of how to freeze HELOC accounts. Then my attorney recommended I just close the HELOC account, but I've been trying for over two weeks, unsuccessfully. 

I reached out to customer service on Thursday XX/XX/XXXX. Twice, they hung up the phone one me. Once they noted the account would be closed after I paid the close-out fee ( which I immediately did. ) Several days went by and I inquired again via phone on XX/XX/XXXX about why the close-out fees remained in my account " Unapplied '' and why the account was still open. 

Instead of applying my payment, they said to wait only to send a letter noting that money was due. I visited a branch in person on Friday XX/XX/XXXX and spoke to the Manager ( XXXX XXXX ). He had me sign a letter to close off the account and uploaded it into the system and noted it should be resolved in XXXX business days. 

I looked again at the account on XX/XX/XXXX and my close-out fees sit unapplied. The account is still not closed. I spoke to the Manager XXXX XXXX again on XX/XX/XXXX and he noted he did as much as he could do and he would need to escalate this. 

I'm trying to sell my home but can not do so until this HELOC is closed and the bank will not let me close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX  XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

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 15 U.S.C 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I accidentally made a transfer of {$1000.00} to XXXX XXXX in XXXX. I came to realize that the problem had already been made afterwards, so I immediately reached out to Worldremit to cancel the transfer. It was because the receiver didn't get the money. When I called this company, I was made to speak with different people who gave me different options. Some responded awkwardly but I respected their concerns and explained my issue since they demanded it. Until now, it's like we're struggling over my own money and I'm not liking it. All l want is my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to formally request the placement of a fraud alert on my credit report. Understanding the potential risks of identity theft and fraudulent activities, I am taking proactive measures to safeguard my financial well-being.
Product: Credit reporting or other personal consumer reports

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  Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit card or prepaid card

Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month. 

Right now, their decisions are affecting my credit score, and no one can give me a good reason why.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had an issue with XXXX XXXX  XXXX because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked ChexSystem I noticed that XXXX  XXXX XXXX reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called XXXX  XXXX XXXX they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on ChexSystem they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against XXXX  XXXX XXXX and if you can not help me with this, I will go to court. 

XXXX  XXXX XXXX affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that ChexSystem is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}
Product: Debt collection

I sent a letter to Spring Oaks Capital on XX/XX/XXXX requesting a validation. In response, I received a letter dated XX/XX/XXXX with a statement with balances from what seemed to be from another collection agency along with a Bill of Sale document. In response, I responded with a failure to validate letter on XX/XX/XXXX. Spring Oaks replied on XX/XX/XXXX ( received in the mail XX/XX/XXXX ). The letter states they WILL " NOT be conducting another investigation of the dispute '' since they responded to the last letter. With this letter there were more statements along with the Bill of Sale document. The account is reporting on my credit report and I have yet to get any clarity on this debt as requested. I have given ample time for validation yet the so-called account is still not validated and is continuing to report on my credit report causing a negative representation of my character.
Product: Checking or savings account

Dear Sir or Madam, Yesterday, on my 'line of credit ' due, it was {$450.00} -- today it is {$490.00}. I didn't use my line of credit at all. These are the bank fees -- XXXX dollars in a day 's time? What is going on? I am being scammed by M & T Bank, in XXXX, CT. 
Also, when I signed up for the Line of Credit, I was never told the fees. I knew there would be fees, but to this extent? I live on SSI and this is my bank. They want my money. Help! I don't want this to happen to any other unsuspecting person!! 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I went to XXXX to begin taking control of my credit. Upon reading, I decided to get a report from Transuion first, after reading I can get one per year from each of the 3 big unions. 

I went through their site and because it is Sunday I have no customer support, but I had no idea I had signed up FOR ANY SUBSCRIPTION until i got an email stating my receipt for {$24.00} to reoccur monthly. 

I canceled my subscription through the website, which had me reauthorize twice for no discernable reason after already being logged in ( confident it was a loop ) and will be disputing the charge on my credit card, but this experience was disgusting, and I believe totally unethical.
Product: Credit card

I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.