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

hank you for submitting your complaint through the Consumer Financial Protection Bureau ( CFPB ) and for allowing us to respond. In your complaint, you state you have incorrect inquiries on your credit report and you need a replacement debit card. Your desired resolution is to have your replacement debit card with your middle initial or full middle name. On XX/XX/XXXX, you contacted Credit Karma via email in case # XXXX that you needed a replacement debit card due to having your middle name incorrect. On XX/XX/XXXX Credit Karma responded back explaining that it was a case of too many characters in your full name to fit on the debit card. On XX/XX/XXXX when you responded back confirming that the replacement card can be sent to the address on file, instructions for requesting the replacement debit card were emailed to you and again on XX/XX/XXXX. On XX/XX/XXXX the case was closed due to no response and a replacement card has yet to be ordered. To get a new card, please use the following instructions and we will be glad to have your name corrected : Access your Credit Karma Money Spend account. Select Settings. Select Debit Card & ATM Usage. Select Request a new card. On the confirmation screen, select Request a new card to confirm that you want a new card sent to your mailing address. Regarding your XXXX taxes, you can reach out to XXXX at XXXX as we do not have any information regarding tax filings. All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus, XXXX and XXXX. Since Credit Karma is not a credit bureau, we are unable to make changes to your credit report. If you see unauthorized hard inquiries on your credit reports you can file a dispute with each credit bureau listing the information or with the lender reporting incorrect account details to the credit bureaus. For more information on how to dispute incorrect information on your credit report please visit https : //www.creditkarma.comXXXX Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at https : //support.creditkarma.comXXXXe or call XXXX and we will be happy to help.
Product: Mortgage

We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in, and was not explained well at all. I find it very unreasonable that this situation prevents us from refinancing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.
Product: Credit card or prepaid card

{$5200.00} in excess of my Wells Fargo Visa credit card balance was paid to XXXX. This transaction brought my balance to {$5200.00} more than what was owed. I attempted to transfer this balance to my Wells Fargo savings account and can not do so without incurring a cash advance fee and interest charges. Immediately called Wells Fargo Visa and my request was transferred to XXXX different representatives. The last agent was XXXX # XXXX, her position is Credit Card Customer Service Advocate. She indicated that it takes 30 days to transfer my money to another account without incurring additional fees and interest. I indicated that this was unacceptable because the money was mine and not the property of Wells Fargo. My money is in fact being held XXXX and will not be immediately transferred to my savings account. XXXX said that there is no further recourse except for her to open a complaint and provided case # XXXX. She said that this also could take up to 30 days disposition. It is my money and I can not immediately get it back without penalty or 30 day delay.
Product: Debt collection

I've noticed a collection entry from your agency on my credit file that I wasn't previously aware of. I have serious concerns about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and asking you to provide the necessary validation and address this issue.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter. 

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law. 

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference. 

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made. 

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX
Product: Debt collection

After receiving multiple phone calls by this company starting XX/XX/23, on XXXXrequested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, I have a plethora of unauthorized hard and soft inquiries reporting on my credit profile, a few are from one company and others are from some I wasn't even aware existed. The amount of inquires leads me to believe my credit may still need fraud protection which should be in place on two of the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I need all my information my my credit profile to be 100 % accurate since im trying to apply for a house soon.
Product: Debt collection

In XXXX of XXXX I received a letter from Puget Sound Collections on behalf of XXXX XXXX for the amount of {$550.00} that was supposedly due on or about XX/XX/XXXX. The letter informed me that interest was being accrued daily. I sent back a form saying this was not my charge as I had not owned that car since XXXX of XXXX. I then received more documents from Puget Sound Collections claiming that my car had been " abandoned '' at XXXX XXXX  in XXXX which is where I purchased a vehicle and was told that my old car would be " taken care of ''. There is a document claiming the car was auctioned off to XXXX XXXX XXXX and had been in storage for XXXX days. Now Puget Sound Collections says I owe {$630.00} due to interest. In XXXX years, I was notified of NONE of this supposed activity. XXXX XXXX had my address and phone number and could have easily contacted me if there was an issue. I was not contacted by phone or mail or email. XXXX weeks after I filed for unemployment in XXXX of this year, I received the first letter from collections. I was advised by the XXXX XXXX XXXX that this is a scam. I have checked all XXXX major credit bureaus, and my debt is XXXX XXXX. If this was XXXX XXXX XXXX, it would certainly be reflected on my credit report and it is NOT. SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid.

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.
Product: Debt collection

A person named XXXX XXXX from ph # XXXX called my mother 's ph # repeatedly ( even though she has told them I do not live there ) alleging she is an investigator sending someone out to my place of residence to serve me with legal documents. She also stated if I am unavailable they will come to my place of work. I have previously received a call like this and contacted the state and county courts to make sure. I had no pending cases against me. Still do n't. I once called them back and they stated to avoid a warrant for my arrest I have to pay {$400.00} by means of a prepaid debit card. They would accept nothing else. They said it was for a payday loan left unpaid. I called the payday loan people and no one could find my debt. These people need to be stopped.
Product: Debt collection

The original creditor was XXXX Bank from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not XXXX who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with Capitol One Bank since 10 years ago and never will. My Bankruptcy representative made that clear.
Product: Credit reporting or other personal consumer reports

I am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX
Product: Mortgage

1. The property was purchased on XXXX XXXX, XX/XX/XXXX2. An escrow account was setup and paid in full for the XXXX year. 
3. Chase purchased the mortgage from XXXX XXXX in XXXX of XXXX. 
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
5. In XXXX XXXX, Chase paid the insurance and taxes on the property causing our escrow amount to be in the negative. 
6. We received a letter of deficiency in our escrow account. 
7. We called Chase to inquire and pay off the deficiency. We were told the deficiency in the escrow account was from taxes owed in arrears from XXXX, we did not own the property until XXXX XXXX. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
9. When asked why the mortgage payment was still increasing if we paid the tax deficiency we were told because there is a second deficiency for XXXX. We asked to pay that deficiency in full as well to keep the mortgage payment at the same amount. 
10. We were told that we could not pay the XXXX deficiency. 
11. We asked to see the closing documents that Chase had received from XXXX. 
12. No where in the documents that Chase received from XXXX XXXX does it show taxes being owed in arrears from XXXX. Additionally, when we purchased the property, it was determined all taxes were paid to date on the property.
Product: Consumer Loan

Nissan Motors Acceptance is reporting that a loan I paid off years ago is currently 30 days past due. 

The account never missed a payment ( as shown on my XXXX report ) and does show a current balance of {$0.00} but for some reason they are showing the current status as over 30 days past due which is causing it to appear as a derogatory account on my credit. 

The status codes are not possible with the account status and needs to be corrected ASAP.
Product: Checking or savings account

I want to cancel my Bank of America ( BOA ), because I have moved to XXXX and no longer use this account. I called BOA customer service to close the account on XXXX XXXX XXXX times, all the XXXX agent told me they have to get verified for my account through sending a text message to my mobile phone, but since I am abroad, I can not use my U.S. number, so I can not get the text. Then they said there is no way they can do to close my account on phone call. BOA charges monthly maintenance fees, I want to cancel my account to avoid the charges. I am no longer in the States, so I am not using this account anymore, but they can not help me close the account. There is no way other than call them to get them verified by texting to my US number. It is quite frustrating, since it is customers ' right to close the account. If I did not close account, the bank will automatically charge for monthly maintenance fee. I need to escalate this issue to close my checking account.
Product: Debt collection

Been called multiple times a week claiming they are national Recovery agency number is XXXX have not sent me anything physical in the mail and have been calling since XX/XX/2018 my understanding is that they had 5 days to send out paperwork. I feel this is a scam and is affecting my vredit score.
Product: Mortgage

My mortgage company is reporting that I have paid over 30 days late. XXXX times. This is false.
Product: Vehicle loan or lease

MY COMPLAINT I got my car repossessed while I was with my family in Oregon. She was told she has until this Friday, XXXX XX/XX/2018 to pay a total of {$1700.00}. My grandfather committed to give her {$900.00}. The best way we could figure to do that was for us to login to the Santander payment website and make a payment by electronic check. We made the {$900.00} payment by electronic check from my grandfathers credit union in XXXX, Oregon. His account information shows the payment. My online account shows the payment. But customer service people with Santander will not honor the payment even though they have the money. I dont know what you call this but I call it theft. They have taken our money and they will not honor the transaction we have entered into. They continue to harass me and refuse to release her car for the balance she owes above the {$900.00} that was paid. I have {$850.00} which is the balance they indicate she owes, but they will not take it and release her car. I plan on still making that payment so that I can prove that they are a crooked. 

Santander has multiple complaints with the XXXX XXXX XXXX. Several people have complained that Santander does not release and send their title when they have paid off their loan. XXXX should vet their lenders and not subject their customers to a terrible lender like Santander. Santander has essentially stolen our money and XXXX has facilitated this. 

SANTANDER CONSUMER USA 'S RESPONSE They keep insisting that with their reinstatement policy that they need to see the bank statement showing the amount of money coming out of the account. My grandfather is not comfortable sharing that information when the funds have already been verified and released. On top of it all they stated to me that they do not accept payments from third parties, which is a flat out lie, because I have had a boyfriend maybe several payments for me in the past. In any case if that is the case they do not accept third party payments then they need to refund the {$900.00} that was paid to them to go towards my principle, instead they told me they CAN NOT refund the amount and they WILL NOT apply that towards the reinstatement process. Over the course of the 30 min phone call the man on the phone continued to get more and more volatile with me stating I can get the vehicle back if I pay XXXX with my debit card. My issue is I paid {$900.00} so the remaining balance is XXXX