23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a payment demand from " Mr. Cooper '' aka Nationstar. I contacted the company and explained to them a mistake had been made by the company. The major issue is I do not have a loan from them now, nor in the past. I further explained that I do not own the property they claim I own. They have ignored the mistake and continue to send certified and regular mailing to me and my wife demanding monies. I am not sure why they have not simply checked with County Auditor to verify the home ownership. In my opinion this appears to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I BELILEVED MY XXXX CARD HAD BEEN HACKED SO I PUT A FREEZE ON IT. I WAS TOLD I COULDN'T USE IT WHILE THE FREEZE WAS ON SO I APPLIED FOR AN ADDITIONAL CARD UNDER A SEPATE ACCOUNT. EXPERIAN DENIED THE APPLICATION STATING THAT I COULD NOT PAY MY MORTAGE IN THE AMOUNT OF {$3100.00} PER MONTH ON MY INCOME OF {$1600.00}. i ONLY PAY {$1000.00} PER MONTH WITH {$670.00} FOR MY OWN USE. MY DAUGHTERS PAY THE BULK OF THE MORTAGE AND FUNISH MY FOOD, ELECTRICITY, AND ALL OTHER HOUSEHOLD EXPENSES APPLICABLE. XXXX XXXX CREDIT HAS ME WITH A XXXX CREDIT SCORE.
Product: Checking or savings account

Signed up for a checking account under a promotion to receive a {$200.00} within 60 days after having a direct deposit of at least {$300.00} post to the account. I met the terms of the promotion, but the bank has not given me the {$200.00} within the timeframe specified in the terms.
Product: Checking or savings account

I opened a dispute charge back request to my bank, I gave the instruction by phone on XX/XX/XXXX under the claim XXXX XXXX, the bank never sent any letter or information about the claim. So I called a couple of weeks ago to know more about the status of the claim. From customer service they said that the claim was denied because was a face to face transaction, something that is not valid if the bank never requested more information. There are several stores that dont work with the stock of items on the same store like XXXX or XXXX XXXX. 
I reopened the case and sent the invoice showing that shipment service was paid and requested to the store, but the bank also closed the case the same day of reopened without any valid reason. If the bank wants to help the customer and proceed how was instructed they will sent any letter or notification requesting more information about the case or a letter explaining more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX  XXXX XXXX  XXXX the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Credit card

I requested my credit card be closed and US Bank completed this, no problem. 

However, I received a letter than included the following language : " It is your responsibility to cancel any preauthorized charges such as insurance or online charges billed to this account. Otherwise, these charges may continue to be accepted and billed on this account. '' This policy is completely contrary to my CLOSING the account. I don't recall every online provider that may decide in the future to charge the card on file. 

This is simply not fair. I close the account, the account should be CLOSED. 

Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXXhree major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX  XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!
Product: Checking or savings account

Citizens bank can not provide reasonable accommodations to consumers who do not communicate effectively via telephone. When a customer contacted Citizens Bank via a secure messaging system requesting that the customer 's account is opted out of sharing information and from marketing Citizens Bank refused to honor the request as can be seen in the attached document.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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 XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent off letters to XXXX, Experian, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Hey, XXXX  name is " XXXX XXXX XXXX '', I have noticed that I have had XXXX XXXX, and XXXX  XXXX  on XXXX XXXX report that does not belong to me. It has impacted XXXX  deeply and has hurtled XXXX. The consumer report agencies have validated the consumer laws that was passed by XXXX. XXXX XXXX XXXX XXXX. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. XXXX XXXX XXXX XXXX XXXX " blockage of information ''. This consumer law gives XXXX  the authority to tell the information that I wish to be requested to be deleted on XXXX XXXX report. And it must happen within XXXX business days. Due to XXXX  filing my XXXX Report. This law states that if XXXX  file a police report through the XXXX, it must be removed.
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 Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX and 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: Student loan

I have tried numerous times to receive a monthly payment plan that was more suitable for my income and living expenses. They always tell me that I do not qualify and/or that there is nothing I can do to reduce my student loan payment. Because of this I have gone into default and received threatening letters stating my account would face legal issues if not dealt with properly. All I ask is that I can make a monthly payments that are manageable for me. If I can not afford to pay them, it is for a reason. They do not care and are not willing to work with me.
Product: Mortgage

My loan was transferred from XXXX to CMG in XXXX of XXXX  after a lengthy process and lots of problems that I ended up filing a complaint on ( you can see all those details on my account here ). Now CMG is doing the same things pretty much. My home owners insurance was XXXX XX/XX/2022 and is now past due because CMG hasn't made the payment. I have been on the phone with approximately 8 people today and all know nothing about what is going on, I asked to talk to escrow and can't seem to get anyone to transfer me to escrow. I pay my payment every single month and they take my escrow out every single month yet they aren't paying the bills that it is to be utilized for. I called and verified with my insurance department that the bill was mailed to the right place and the loan number was correct, and asked them to fax it over to the number that one of the many representatives that I talked to had given me ( she did it while I was on the phone as well as emailed me a copy ), I know they have what they need to pay the bill, they are negligent. I have looked at this companies reviews on the internet and this is not an isolated problem, this is a MAJOR problem and is not okay. I just want to know that my stuff is being taken care of ... .last year I had to pay my taxes out of my pocket even though I paid escrow each month to cover that, and I never got reimbursed for it. Now, looks like I'll have to pay my insurance out of my pocket even though they have my money sitting in the escrow account to pay it. I've asked to not have my taxes and insurance escrowed and let me just handle it myself and was told that it is required that my loan has escrow.
Product: Checking or savings account

On XX/XX/XXXX I logged into my account so I could transfer money to cover a check I had just written. I found that my account was at minus XXXX. I had been overdrawn XXXX and 3 additional charges under {$2.00} each came through along with a sustained overdraft charge of {$30.00}. I was not informed by the bank until after the charge so I couldn't correct it. I also didn't transfer the money for the check because this fee was beyond what I had. I had just received an annual report about protection if charges under {$5.00} come in. I have since received a {$35.00} overdraft fee for the check I couldn't cover because of this ridiculous sustained fee. It appears they are charging me another {$30.00} sustained overdraft fee. This is excessive considering the initial overdraft was less than a dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XXXX, we finally reached a supervisor at XXXX XXXX  that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
Product: Credit reporting or other personal consumer reports

Incorrect information on my transunion report and Experian report I need to add the XXXX on my credit reports with both companies XXXX and Experian and take the incorrect addresses on my XXXX credit report and extra names and phone numbers on my transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX violated my rights. 

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Product: Credit card or prepaid card

I have been a customer of Capital One for almost two decades. I am now going through a divorce and have lost substantial income and am paying alimony and child support. I have had my house up for sale for 9 months and it has not sold. I have talked to bankruptcy lawyers, debt liquidation companies and have finally decided to enroll in a debt management plan with XXXX XXXX XXXXXXXX XXXX. All of my creditors have agreed to enter the plan except Capital One. I am trying to make this right with my creditors and not file for bankruptcy. I am drowning in debt with high minimums due and high interest rates. I am paying out every month more than I bring in. 

The Counseling company said the reason Capital One gave was that I was denied because I was already in an internal program and had to wait one year to enter into another one. I have called Capital One several times and they confirm I am not in a program. Almost a decade ago they are reporting I took an interest rate reduction at that point and there are no hardship programs available except for waving late fees. I am current on all of my payments and have been for some time, so this will not help me. In speaking to Capital One today they have said they are not willing to help me in this financial crisis of my life. 

Please help thank you.
Product: Credit card

I contacted Citibank Customer service on XXXX XXXX, XXXX and spoke to a representative and an account manager with regard to having my account reviewed to have interest rate lowered. I am currently paying XXXX on XXXX balance on the card and XXXX on another balance on the same card. The account has been closed for several years and I am getting frustrated in the fact that even though I pay more than minimum due the account balance seems to continually increase. I have a letter from their Office of the President, dated XXXX/XXXX/XXXX that states that the account would be automatically reviewed every six months for a lower APR with no reference as to whether the account was open or closed. That is what I called and requested today and was very bluntly and rudely told by the account manager that because the account was closed, there would be no review. His response was the letter was from XXXX and things have changed. So, just because my account is closed and I am continually making payments not only on time, but also more than the minimum due, I get penalized for review because the account is no open. The only remedy that was offered was to reopen the account at a higher rate! Please I am not a stupid consumer, all I ask is that I 'm treated the same as an account holder that has an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what Xactus is and why they on my credit report XX/XX/XXXX and XX/XX/XXXX.