23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.
Product: Debt collection

Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
I have file this report because I'd like to clear my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I paid BMO Harris past due balance on XX/XX/2022 and XX/XX/2022. 

They keep leaving it as {$390.00} written off and not updating my payment history. 

I paid that written off balance. 

I have disputed 2x already
Product: Vehicle loan or lease

Loan company said they did not receive payments. They were made! I was never notified of late payments! I want to know what happened to my money.
Product: Debt collection

Identity theft on XXXX, XXXX XXXX accounts and tried to use stole credit XXXX issued toe from XXXX XXXXf XXXX XXXX And all other types of illegal crimes and the police are involved as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America did not record the satisfaction of mortgagee on a property we purchased in 2004, which is now holding up the sale of our home.
Product: Debt collection

In XX/XX/2020, I co-signed for a one-year lease for my daughters in XXXX, Virginia. The apartment 's monthly rent was {$2700.00}. My daughter 's made monthly payments with money orders from XXXX XXXX. I made sure of this. 

In XX/XX/2020, the complex emailed my daughters, stating that {$6300.00} was owed. This was impossible because I personally made sure that the full amount of rent was paid through money orders. If {$6300.00} ( or even close to that amount ) was owed, why were they not notified of this prior to XXXX? Wouldn't there have been some sort of eviction if any of this was accurate? 

My credit report is now stating that I owe {$16000.00} to the apartment 's collection agency. This is not only incorrect, but also unethical and illegal. {$6300.00} was not owed to begin with, but how could {$16000.00} be owed now? 


Upon checking the apartments current XXXX reviews, they are known to " lose '' money that their tenants place in their drop box.
Product: Mortgage

I was conditionally approved on a XXXX loan to refinance my existing loans and other debts, but the underwriting department dragged its feet and went past the first lock period, they then informed me that they would extend the rate lock period but they did not actually extend it as they informed me a few days later that the extension had expired and that they could no longer extend the rate or honor the original rate. I believe this is a clear case of greed and incompetence, especially since my original 45-day rate lock-in was at 2.75 % on XX/XX/XXXX, XX/XX/XXXX was the XXXX day at which time I was offered an additional 10-day. On XX/XX/XXXX just three days later I received an email from my Mtg Banker, informing me that they would not honor the rate lock and tried to bump me up to the following rates by paying additional fees : 4.00 % at XXXX XXXX or {$10000.00} XXXX of {$1900.00} 4.250 % at XXXX XXXX {$3100.00} 4.625 % at XXXX XXXX {$510.00} After learning of this I told them that they were unethical and that I would be filing a complaint against their firm.
Product: Debt collection

To whom it may concern.

Thank you so much for resolving my identity theft a while ago. 
Now a new unknown company pop up on my credit report saying I owe them money. This is pure identity theft again, I freeze my credit account already, somehow this scam company still has access to ruin my credit. Please CFBP help me resolve this. the company name is Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX you can see from my credit report I never owe nobody and has excellent XXXX scores for years. just this few years these XXXX scam companies that does not even have a service in Ca keep on stealing my information. Please CFBP resolve this problem. Thank you so much.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am seeking guidance and support regarding the removal of an inaccurate account from my credit report. I have recently discovered this account that was opened fraudulently in my name, and despite my best efforts, I have been unable to get it removed, and I haven't received any replies or feedback regarding these issues. XXXX XXXX XXXX : {$1400.00}
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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: Credit card

On XXXX XXXX, 2015 I submitted a {$300.00} payment to Synchrony Bank to bring my balance on a line of credit that they hold for Amazon.Com. Following the payments posting, this bank decreased my original credit line from {$700.00} to {$390.00} which was {$0.00} more than the remaining balance. When I called to find why my account was showing a {$0.00} amount of credit, I was informed that the bank had reduced my credit line not based on my payment history with them but because they had reviewed my credit history and it was based on that. I have had this account open for almost two years and have never been behind on my payments with them. I did not request a increase of the credit line therefore they had no right to run my credit for any reason. I feel this is a bank charging high rates on consumers who feel that they can just do whatever they like doing and that there is no one who can do anything about it. This reduction in credit has a adverse effective on my overall credit score at a time when my wife and I are trying to purchase our first home. This is not right!
Product: Checking or savings account

I have a issue with how navy federal credit union regarding multiple over draft fees due to lagged posting of charges and credits to the extent the amount of the amount not being posted on the account causing over draft fees due to lagged posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  : XXXX Date Updated : XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is continuously reporting inadequate addresses I have never lived at and or not my current address that isnt accessible to me. My 1st complaint was submitted to the CFPD on XX/XX/2023 report # XXXX which Experian removed of all aliases and misspelling of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I entered into an auto loan agreement with Ally Financial for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to Ally Financial. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with Ally Financial to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with Ally Financial, they ( ALLY ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, ALLY Financial reported a missed auto loan payment to XXXX, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted ALLY Financial. The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call ALLY again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.
Product: Credit reporting

I have a XXXX account on my credit report that is incorrect. I have an account in good standing. XXXX knows nothing about this account
Product: Debt collection

" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. Diversified Adjustment needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX  and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. 

They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. Diversified Adjustment has ignored all police reports and ID FTC reports and continued to break the law anyways.
Product: Debt collection

I have received a letter in the mail from a debt collection company only identifying themselves as XXXX XXXX, saying I owed a debt for a specific time, the time I was in fact out of state and indesposed. They stated I could dispute the debt by calling a number that was in fact out of service. At the supposed time the debt took place I have insurance that covers the procedure they ate trying to bill me for. Also, they don't even have a valid business license for the state they are trying to bill me in. I have tried to contact them via the phone number they listed but can not get ahold of them. Please let me know what I can do as I feel this whole issue is injust. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported a 30 day late payment on a mortgage that was not late and was paid off. Can't have a 30 day late payment in 15 days. XXXX would have been late after the XXXX of XXXX and was reported paid in full closed in XXXX. Not even 30 days later but won't fix or remove from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc claim and all required documents for my claim
Product: Credit card or prepaid card

Capital One Bank is claiming that I have to pay a late fee of which they claim they notified me of a late payment before they imposed the late fee. They say that the late fee is based upon the fact that since I had made additional purchases on my present account balance, my due payment amount had increased. The problem with this is that I was not notified about the increase by email they claim that they sent. They told me that my payment amount had increased as of XX/XX/2022, but I didn't receive notice of that either. In addition, they also told me that in addition to the late fee, that because I did not make my payment within the pay cycle of the month of XXXX, even though I made the XXXX payment 23 days before it's due date of XXXX XXXX, they are charging me a late fee of {$40.00} of which I do not feel is fair based upon their assumption that I had already been notified. The only late payment email notice I was able to find in my mailbox based upon their claims that they had sent these notices beginning back in XXXX was the one they blindsided me with in an XX/XX/XXXX email. Since I was unable to resolve the problem with Capital One, I would like to see if perhaps we can get it resolved through mediation from your organization. I feel that because they refused to accept my word that I had not received the late payment notices sent to me beginning in XXXX, and into XXXX, I feel they are taking the position that I am a liar. I don't want to take the same position that they are the same for claiming they sent the alleged emails, even though they could be lying. I think they need to be investigated for unfair business practices that include the late fee traps they set up for their customers to make themselves ( Capital One Bank ) more money. 

Address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Product: Credit reporting or other personal consumer reports

This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 
Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXX  : xxxxxxxxxxxx 5689
Product: Debt collection

Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.
Product: Debt collection

Credit bureau refuses to remove credit line item for XXXX. Currently in legal remedy against XXXX as services never delivered and products not installed ; I didnt get the services! Extremely deceptive trade practices. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX Demand for Arbitration made
Product: Credit reporting or other personal consumer reports

XXXX  XXXX in furnishing unauthorized inquiry to TransUinon and pulled my consumer report without my permission. I have not applied for any credit with XXXX XXXX or given XXXX XXXX permission to pull my consumer report. I have attached a copy of my consumer report showing the unauthorized inquiry. This is my last attempt to have XXXX  XXXX delete this unauthorized inquiry before I file a case with the XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.