23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been asking castle credit via email on how I can start the process of being removed from the contract. They will not respond to emails or my phone calls. This was a joint account in which I should not be held responsible for. The other party has agreed to remove me. I want to know what are the steps for removal. I feel like castle credit will not disclose or go through from removing me.
Product: Mortgage

My refinance loan was recently purchased by BSI Financial. My first payment was due XX/XX/21. I paid the first payment XX/XX/21. My payment was {$0.00} short, it was paid as soon as I realized my error. My first payment has not been applied to my account so I am always a month behind on my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify that I am dissappointed as I saw my credit file with such an erroneous items. Through the law 605b of the FCRA, im sending this letter for you to help me establish a legal course. Kindly adhere to the law. Please remove the following items 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 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: Credit card

I filed a fraud dispute with Chase Bank after XXXXXXXX XXXX refused to provide me with an apartment unit despite my payment of a deposit and application fee. XXXX initially cited plumbing issues, stating the unit would be unavailable, and agreed to refund my fees after XXXX  days. The next day, however, they listed the same apartment at a higher rate. When I confronted them, they attempted to renegotiate at the new rate, refusing to honor the original terms. Ultimately, they agreed to issue a full refund but later claimed they mailed a check, despite knowing I had not provided an address and had arranged to pick it up. I explained this to Chase, but they closed my claim based on XXXX assertion that I had canceled, without considering my documentation showing XXXX misrepresentation and acknowledgment that a refund is still owed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a XXXX XXXX account, XXXX account and a XXXX XXXX account ( sold to XXXX XXXX XXXX ). Equifax did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ). They also shared or sold my personal information to XXXXXXXX XXXX XXXX without my written consent, which under the CFPB is identity theft and a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an alert from Equifax regarding an new address added to my credit report, which does not belong to me. I have not applied for any credit or my creditors have this address. I have tried to dispute this address but Equifax sill has this address on my credit report as mixed. The said they have deleted this information form my credit report but still not showing correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed to Opp Loans in order to resolve an issue with an inaccurate account that was being reported on my credit report. They received my request by certified mail on XX/XX/XXXX and has yet to reply to my request. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information rate relating to a consumer to any consumer reporting agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to the IRS the Lender must file form 1099-C and send a send you a copy if the amount of the debt canceled is {$600.00} or more and the lender is a financial institution, credit Union , federal government agency or other agency entity at discussed earlier in XXXX XXXX. 
The IRS clearly defines a charge off, canceled debt as gross or ordinary income income does not get reported on a consumer report as this is my person information. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 
On XX/XX/XXXX the account was written off and charged off and I never received a copy of the XXXX. 
This situation has been embarrassing and hamulating as you try to improve your lively hood and to have a company ignore you and violating your rights.
Product: Money transfer, virtual currency, or money service

I have been trying for two days to withdraw funds from my Blockchain.com account. There app indicates that ACH functionality isnt working and to try another way. The other way doesnt work either. After waiting on hold for a chat representative for nearly an hour, XXXX informed me of the known error and that theyre working to fix it but theres no eta and try back later. This is unacceptable. A financial institution should not be allowed to hold funds hostage.
Product: Debt collection

Bank of America basically too $ XXXX to pay a business credit card from my account. They took $ XXXX for a business card my business defaulted on early 2019 from my personal account. They will not fix the credit report will not refund the money. The card was a card for my business is it legal for you to take money from my personal account for a business debt? During a pandemic. The work part is the bank will not even update my credit report accurately. I tried to talk to them, dispute the issue and they are just bullys
Product: Vehicle loan or lease

ALLY CONTINUES TO IGNORE MY CALLS, THEY DENY ME TO SPEAK TO A SUPERVISOR, THEY SAY A SUPERVISOR WILL CALL BACK BUT THEY DO NOT. THE PERSON WHO ANSWERS CALLS IS ALWAYS THE SAME FEMALE, SHE DOES NOT LISTEN TO WHAT MY CONCERNS ARE. ALL SHE REPEATS IS THAT I AM LATE ON PAYMENTS, SHE IS RUDE, REFUSES TO LISTEN TO MY CONCERNS. I HAVE CALLED NUMEROUS TIMES AND THEY WILL NOT LISTEN OR HELP, JUST THREATEN ME. I WENT MONTH BY MONTH ON ALL THE PAYMENTS I MADE, BUT IN XXXX I SIGNED AND FAXED 3 TIMES TO ALLY, THEY FORM THEY APPROVED FOR A DEFERRAL OF 1 MONTH. THEY ARE TRYING TO SCAM/CON ME. THEY NEVER DID WHAT THEY APPROVED ME FOR/A 1 MONTH DEFERRAL ON MY CAR. THAT WAS BECAUSE OF XXXX. I TRIED ANOTHER TIME TO GET A DEFERRAL AGAIN, THAT WAS ALSO BECAUSE MY HUSBAND AND I BOTH GOT SICK WITH COVID FOR A SECOND TIME, ALLY REFUSED TO HELP US. THIS ALLY BANK HAS CONED ME FOR THE LAST TIME, I HAVE ALL THE PROOF ABOUT PAYMENTS & DEFERRAL CONTRACT THEY APPROVED, AND I FAXED THEM 3 TIMES. I HAVE BEEN TRYING FOR MONTHS TO GET THIS FIXED AND RESOLVED BUT ALL THEY DO IS IGNORE AND THREATEN US. I ACKNOWLEDGE THAT I DO OWE LATE FEES BUT THAT'S BECAUSE I'VE BEEN VERY SICK SINCE I CAUGHT XXXX AND NOW I'M CLASSIFIED AS 100 % HANDICAP.
Product: Credit card

I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being XXXX XXXX I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report. I noticed transunion and XXXX are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if XXXX and transunion singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of XXXX and transunion company ; a representative for XXXX and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.
Product: Mortgage

I was in forbearance under the CARES act due to COVID 19 with my original lender ( XXXXXXXX XXXX ). I received a letter dated XX/XX/XXXX about a VA trial plan offer. I started making trial payments with my original lender XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. The trial payment amount agreed to with XXXX XXXX was in the amount of XXXX, and my interest rate was staying the same at 2.875 % under the modified terms. My maturity date was moved from XX/XX/XXXX to XX/XX/XXXX as a result of them " tacking the balance onto the end of the mortgage '' After I made my first trial payment, my loan was sold to my current servicer ( ( Lakeview Loan Servicing ) XXXX ) effective XX/XX/XXXX. I contacted them several times throughout the month of XXXX attempting to make a trial payment for XXXX, but was told I could not repeatedly due to my mortgage being " in review ''. I was told not to worry since I was within a 60 day grace period, and the underwriters were waiting on and reviewing information sent to them from XXXXe Bank. 

I have attempted throughout all of XXXX and XXXX on at least 5 occasions to pay my mortgage trial payments, but have been rebuffed at every turn. 

I was informed earlier this week by XXXX that my interest rate would be increasing to 3.5 %, and my new payment would be somewhere around {$2100.00} a month. I was not aware a credit report was run against me without my knowledge, but was informed that is what I qualified for due to my credit. 

On XXXX and XXXX I asked for any documents from this decision to be given, but was told that I'll get them eventually and I can either turn it down or accept the modification Turning it down means paying the owed balance of $ XXXX, which I don't currently have. 

I also asked if XXXX was aware of my previous trial payment plan with XXXXXXXX XXXX, and they did not offer any acknowledgement. 

I can not leave this lender without paying $ XXXX, or making my on-time trial payments. They have removed my ability to successfully make my trial payments, and are attempting to increase my interest rate arbitrarily.
Product: Credit card or prepaid card

On XX/XX/21, I spoke with XXXX about my account. I advised of hardship and she said that she would put a hold on my account with no payment due. I checked my account today and noticed that I am now due for {$520.00} next month and I am not understanding why when I was told the account would be put on hold for one month. When I spoke to XXXX today I was told that the " hold '' only eliminated late fee but it didn't cancel payment completely and I was unaware of this. As a result, I am filing this complaint.
Product: Debt collection

I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXX.I was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my XXXX XXXX XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.
Product: Credit card or prepaid card

I am suffering from identity theft. Somebody applied for a card in my name. I took the proper steps to dispute it with their internal fraud department, including back-and-forth fax and postal mail correspondence. The account disappeared from my credit reports for a while. Now, it's back, with late fees. Mind you, the ONLY charge on this account, ever, was the annual fee they assessed. Bow, there are late fees and interest accumulating ontop of the annual fee. Their customer service only ever says to email them, which I do, and I get an automated generic thank you response. I had their affidavit signed and notarized twice now. My credit score is severely suffering from a fraudulent account they seem to refuse to help me resolve since four months ago.
Product: Vehicle loan or lease

GM sold me me a XXXX Cadillac Escalade with a couple thousand miles on it which is that when it hit XXXX miles the lifters went out which blew the head gasket. It has been sitting for a year and I am a XXXX XXXX XXXX that has to XXXX, XXXX, cab or walk in the rain and heat. There are law suits for some are bad among other recalls and non working parts of this years car. Cracking navigation screen, door knobs fall off, light covers fall off the back, transmission parts faulty, most engine parts are bad, they did not inform me like the law requires and no I DID NOT MOVE for XXXX years I ran across the recall that informed me that there was no air bags so I had them put in. They wrote it off now and it's ruining my credit. I still owed XXXX but was paying {$900.00} a month for this junk and now I can not afford another car. I asked them to buy it back, it's junk. They refused. I am not the only one XXXX XXXX GM and it's pathetic to give them any more bailouts for sure. I am to old now to finance another car and am a XXXX of a XXXX that died for his country but paid on this one for 7 years. I am to old to keep walking or finance another car and now at 30 degrees I can die walking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with equifax on XX/XX/XXXX on a collection that was made by XXXX XXXX XXXX XXXX on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account
Product: Debt collection

Upon reviewing my credit report, I found billing inaccuracies. The late payments shown aren't consistent with my regular payment behavior. Kindly correct them and update my account.
Product: Credit reporting or other personal consumer reports

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXX XXXX  mortgage, account number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My XXXX XXXX XXXX history bank printout is attached.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation. 

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard. 

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges. 

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred. 

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Product: Debt collection

UNITED REVENUE CORP I went through my medical provider and they paid the bill in full due to their mistake and now its in collections. It should have never been to collections as it was paid in full by my medical provider. 

Medical Provider : XXXX XXXX I contacted XXXX XXXX based on this issue and they took full responsibility, after it was escalated.
Product: Payday loan, title loan, or personal loan

I never open this account in my name never heard of this account in my name I check my credit report seen this company on my credit and that's why I came here to report it never or heard of this account anyone can open an account in your name without knowing and I ask that this account be removed from my credit I don't have any knowledge of this account...
Product: Debt collection

National Service Bureau threatened me with jail time and revocation of my license over an auto mobile accident. I had insurance during the accident but my insurance provider refused to pay because it was not the correct type of insurance. I understand that I am financially responsible to pay back the debt but they are asking for amounts that I am not able to currently pay. I have been out of work due to covid-19 pandemic and they threaten me with jail and revocation of my license. Also screaming at you on the phone and are extremely rude and very aggressive. I've tried to work with them to come up with a reasonable amount to pay back but they demand I pay a certain amount a month which I am not able to. It's alarming because of how aggressive they threaten every time I speak to them. I am willing to pay the debt back but I can not pay them what I do not have. It's especially a shame because I've explained to them the situation with my insurance and they just do not care.