23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an alert on my credit on XXXX XXXX by a company called XXXX XXXX management on behalf of XXXX XXXX XXXX I called & spoke with them & explained that my wallet had been stolen back in XXXX & that I did have an account with XXXXe that I had did a settlement for {$1200.00} & they asked me to mail proof & I did & the charge was deleted. Then on XX/XX/XXXX another company called XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported the same {$700.00} again. Ive been a victim of identity theft. If you check my credit report, you will see the charge was deleted
Product: Credit card or prepaid card

On XX/XX/2021 2 of my USB cards were charged from XXXX {$150.00}. On XX/XX/2021 I received a credit for {$150.00} which I believed to be from XXXX on acct ending in XXXX. However on XX/XX/2021 USB reversed the credit for {$15.00}, stating it was theirs. However on my XXXX statement, it shows they sent the money back to USB on XX/XX/2021 conf # XXXX, which they say they refunded to the card ending in XXXX, replaced by XXXX on XX/XX/2021 by USB. 
As of XX/XX/2021 none of my credit card accounts have shown/refected the refund by XXXX, and all XXXX reps from USB I have talked to are unwilling/unable to help. They spent a month doing research and now are in fact keeping funds that were meant to be refunded to a my account. 

Needless to say this is common practice by USB fraud department, were they appropriate funds that do not belong to them and hold them for any period of time without a resolution. In this case complete refusal to even look into the conf # provided.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the " Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says " HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the dues date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the purchase. 

My payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.
Product: Credit reporting or other personal consumer reports

This account contains inaccurate information which violates the FCRA. The dates closed on my Experian and XXXX credit reports are different and do not match, and dates of last activity are inaccurate. On Experian, the date closed is XXXX XXXX, XXXX, on XXXX the date closed is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}
Product: Mortgage

About 2 months ago I applied for a home loan through Mortgage Lenders of America. The loan officer below was the one who attended me. 

XXXX XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America direct ( XXXX ) XXXX-XXXX mobile ( XXXX ) XXXX-XXXX Toll-free ( XXXX ) XXXX-XXXX, ext. XXXX fax ( XXXX ) XXXX-XXXX XXXX@mloausa.com This whole process has been a nightmare so many things were not diclosed. Numbers have changed over 5 times and after locking in my rate all of sudden 3 days to closing all numbers changed and rate went up to 3.42 points from 1.5. These are bait and switch tactics and they are taking advantage of my situation and the 2 months of craziness I have been through.
Product: Debt collection

i have requested validation of an alleged debt in XXXX and in XXXX of 2023. i also disputed the accounts through the consumer reporting agency, experian. Experian responded by stating that the account in question meet the FCRA requirements and that the accounts have been verified.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

In XXXX, when XXXX XXXX had a promo for streaming of XXXX XXXX XXXX for {$14.00}, I tried signing up. I never got a confirmation ; I never got to watch the movie and the movie was pulled out by the end of XX/XX/XXXX. 

By email and thru XXXX XXXX, I learned that somehow, that I was being charged for the streaming service which can be streamed only through XXXX. I canceled my subscription with XXXX back in XXXX when that company warned me that XXXX XXXX sets will no longer be supported by their company. All of my TV sets were manufactured by XXXX. Furthermore, I disputed the XXXX charge and was consequently refunded for the charges for XXXX XXXX XXXX and XXXX of XXXX. 

When I disputed the XXXX charge of {$12.00} with XXXX in XXXX, I got nowhere. I wrote their corporate office and closed my account with them as a means of stopping the recurring charge from XXXX. I also canceled any dealings with XXXX altogether. 

Instead of acknowledging my dispute with XXXX and Citi Collections, they charged me a late fee for more than the original charge of {$12.00}. 

I find their action filled with malice when the charge was reported to the credit reporting bureaus while the monthly charges of {$12.00} for each month of XXXX and XX/XX/XXXX are being disputed.
Product: Mortgage

I received the first annual mortgage escrow account statement on XX/XX/XXXX of this year indicating that starting XXXX first, my payments will increase by 32 % due to insurance cost and estate taxes and a shortage of {$11000.00}. The company states that that amount will be divided by 12 and added to the monthly mortgage payments. Additionally, based on what they expect to pay in the next year, the escrow portion of the monthly mortgage payment will be {$1800.00}. 
So my monthly payment will increase by 32 %. This is outrageous since I have a fixed rate of 4 %. 
My complaints are as follow : 1.-never had a composite analysis since inception of the mortgage in XXXXXXXX XXXX XXXXXXXX. Never had one for XXXX or XXXX. 
2.- never had a escrow account analysis before seeking repayment of deficiencies, such as amount of dollars at the beginning of the year 3.-they paid {$22000.00} XXXXXXXX XXXX XXXXXXXX when at that time my taxes declined to {$15000.00} after I appeared in fron of the taxation board. 
4.- I requested too discontinue the escrow account since I paid 20 % of the sale price of the house and since purchase it increased in value, the account is more than one year old and I had no late payments I submitted the above to the company FITH THIRD BANK , they called me and I requested a written response from them since a verbal one will not satisfy me. Weeks have gone by and I do not get a written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave UPSTART many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by Discover bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that Discover is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. Discover is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
Discover bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, Discover Bank states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. Discover bank is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the XXXX payment history, Discover bank reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the following accounts, Experian continues to report it, which is deeply concerning. 
XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge Experian credit bureau to follow suit promptly. XXXX action is imperative to delete these fraudulent accounts resulting from identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

FEDERALDISTRICT/XXXX
Product: Checking or savings account

On XXXX XXXXXXXX I applied to receive a new XXXXt card with expedited shipping XXXX days. On XXXX the XXXX I receive email confirmation of that order. Then on XXXX the XXXX I got anothe email saying it would be XXXX to XXXX days form then. This was deceptive and I would have never agreed if I had know I couldnt get money for food or rent. I am now being XXXX  because I cant get access to my money in my account.
Product: Credit card or prepaid card

The perpetrator took over my identity. A notice first appeared as an email that my network had been hacked. When the call was made to the credit card company, the perpetrator intercepted the call and represented himself as being from the company. To resolve the " issue '', the perpetrator had me purchase gift cards from two vendors. 

The degree of fraud was amazing ; intercepting each call made to my credit card companies and representing himself as actually being from the credit card company. 
Not only was my network hacked but my phone as well.
Product: Mortgage

My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other  2 c ases have been closed with no results. In  XXXX  they sent a packet with old pay off information from  XXXX  of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.
Product: Debt collection

In 2006 I bought a new XXXX  XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when one of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....
Product: Debt collection

Debt was discharged per prior complaint. But has not been communicated to credit any credit agencies.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX Case # XXXX According to the XXXX XXXX XXXX, these negative marks are in violation of the law, and I kindly request their removal from my credit report. 

As you may be aware, I filed for XXXX XXXX XXXX  in [ Year of Filing ] in order to reorganize my finances and work towards repaying my debts in a structured manner. Per the terms of XXXX XXXXXXXX, a debtor agrees to a court-approved plan to repay creditors over a period of time, typically three to five years. During this time, creditors are legally bound to adhere to the terms of the XXXX plan and are prohibited from taking adverse actions against the debtor, including reporting negative marks on the credit report. 

It has come to my attention that Capital One has reported 46 negative marks on my credit report in relation to my XXXX. However, under XXXX XXXX, creditors are not allowed to report negative information that predates the XXXX filing, nor are they permitted to report any actions taken in violation of the XXXX plan. Therefore, the presence of these negative marks on my credit report constitutes a violation of the law. 

I understand that accurate reporting of credit information is essential for maintaining the integrity of the credit reporting system. However, it is equally important that creditors adhere to the laws governing XXXX proceedings and refrain from taking actions that could undermine the purpose of XXXX  reorganization. 

In light of the above, I kindly request that Capital One take immediate action to remove the 46 negative marks associated with my XXXX from my credit report. I believe that this action is not only in accordance with the law but also in the best interest of both parties involved.
Product: Debt collection

I received this bill today ( XX/XX/20 ), but I received notification through your site earlier this week that Cascade had closed something out, with no explanation of what it was. Therefore, I'm reporting this in case it's something different. However, the issue is the same as I reported a couple of weeks ago with XXXX XXXX XXXX XXXX. They're saying I owe this money, but it's been nearly three years, and, until today, I didn't know anything about it. I never received an initial bill nor any follow-up past-due notices. As far as I'm concerned, I do not owe this as I paid my portion of any and all bills I received from other organizations during the months following my hospital stay. Please verify that this is closed. Thank you.
Product: Vehicle loan or lease

To whom it may concern My name is XXXX XXXX, in XXXX I got a loan with one main financial for a use card XXXX XXXX XXXX, the loan initiate with a balance of {$8300.00}, when I got the loan the agent offered me to put a XXXX insurance during the term just in case something happen, but I was my first time to get loan, i dont know about the insurance and I accepted it, they charge me a interest 35.31 % for the loan, so the duration of the loan is for 60 months, I will have to pay {$17000.00} for a use Car. Last week I called the insurance company and canceled the insurance they give me a refund for {$950.00} and I asked them to applied this amount into the principal balance, and then I already paid {$390.00} to the principal that give me a total of {$1300.00} I paid to the principal balance I suppose to owe {$6900.00} base in my calculations it supposed to be less they put on my balance {$7000.00}, I called then to fixed the principal they dont wan na do that, In this difficult time I cant give them my money I work hard to pay my bills they suppose to make the adjustments on my balance. 

Please I need help to fixed that issue with one main.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX  # XXXX. XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.