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

I signed up for a XXXX account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, XXXX has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and TransUnion has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX  violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Product: Debt collection

On X/XX/2017 company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting NOTHING but INACCURATE accounts on my credit report .... Are they allowed to report anything and defame me?? The account in question is misleading and falsely reporting and it's a violation of the FCRA. The account us going in and out of collections, It's reporting sometimes that the account was paid on time.. I never paid on this alleged account. If I did I need PROOF they are putting this account in and out of collections and saying its paid to stay in the statue of limitations. They are in VIOLATION. Remove this account IMMEDIATELY. Not only that but they sent me a letter dated in XXXX that I allegedly owed XXXX but on my Experian report it's saying that I allegedly owed {$1300.00}. REMOVE THIS ACCOUNT THIS IS INSANITY.
Product: Debt collection

I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. 

They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. 

This is my second complaint and I haven't gotten a response.
Product: Money transfer, virtual currency, or money service

In XXXX, XX/XX/XXXX while using Zelle for the first time, I was subject to a scam. The amount total was {$930.00}. I alerted my bank immediately when it happened and there was nothing they could do because I used Zelle. This app did not have any sort of warning or disclosure or verification of where the money was going to like XXXX offers. I reached out to the company directly and never was responded to. This has since changed but I was never compensated for the amount I was scammed out of.
Product: Vehicle loan or lease

I bought a vehicle from caravana on XX/XX/2024. I got approved and signed all contracts and provided all necessary information and documents. 

They made me resign a contract on the XXXX of XXXX XXXX for some reason? 

They successfully took my down payment out of my bank account in the amount of {$4900.00} prior to XX/XX/2024. 

I bought an expensive full coverage insurance policy as part of the requirements of the contract. 

I was all set to pick it up in XXXX UT. Then they canceled my signed contract without giving me any notification whatsoever. 

I specifically asked them the reason and they flat out denied me a reason in an email which is against the law.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my TransUnion credit report from a XXXXXXXX XXXX XXXX on XX/XX/year> but didnt apply for credit or otherwise consent to a hard inquiry.
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 Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a 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: Debt collection

We had an auto lease with Chase that has already ended. We returned the car and we were already expecting a bill which was related end of the lease fees. We had no problems with the bill since those were valid charges. The problem is : we received a letter ( from Chase ) in our mailbox on XX/XX/XXXX ( which was a Sat ). The letter dated XX/XX/XXXX. The letter stated that we could chose a payment plan, which I did when I immediately called their collections department on Mon XX/XX/XXXX. I made a payment of {$180.00} ( reference number XXXX on XX/XX/XXXX ) and I agreed to pay the other two payments on XX/XX/XXXX and XX/XX/XXXX. A week later, after agreeing on a payment plan, they call me on my cell phone saying that there was a balance due immediately. I questioned the representative asking if my account was notated, showing that I had selected to pay the balance in 3 installments ( one of them already charged ). they representative said yes. So I asked her to notate my account and not call me again since I would honor the terms of the payment plan. We are not even at the end of XX/XX/XXXX yet and I have already received another letter from Chase saying that a balance of {$370.00} id past due and that I have to send a payment and that they HAVE NOT RECEIVED THE PAYMENT YET ( which is false ). If they offer a payment plan they should not be harassing their customers with letters and phone calls requesting payment.
Product: Mortgage

I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify about some informations that are continuesly reporting in my credit file. Please make sure that the following items will removed immediately from my credit file. If you do not provide any records & claim the items are deleted please understand I will seek legal action. So please comply with the law so this matter can be handled swiftly. The following items should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have tried to reach out to XXXX on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off. 

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a XXXX on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of XXXX on my Transunion credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

XXXX is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with XXXX, however because they have a dedicated relationship to XXXX they responded to my individual dispute with them within XXXX day and did not investigate my specific dispute and overrode it with whatever XXXX submitted. Transunion has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

XXXX has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Product: Mortgage

I paid off my mortgage on XX/XX/2019. 
The company said they will not return my escrow money to me for 30 to 60 days. This amount of time is unacceptable.
Product: Checking or savings account

On XX/XX/2021 I received a call from what looked like my banks customer service number, It was in fact the exact number that was on the back of my debit card. I answered and it was a foreign man on the other line, he said he works with capital one and that my bank information/ account has been compromised. asked me if I was currently in Alabama ( I live in Louisiana ) and I said no, and he said that charges of over $ XXXX {$500.00} dollar were in my account and that He would gladly close my account and issue me and new card I got on my online app and I saw no such thing ( instant red flag ) he asked for personal information like the numbers on my card and 3 digit code on the back..I hung up and blocked the number. Today, XX/XX/2021 i received a call from a California number, I answered bc i work in a place where I receive phone calls from different states. Again, it was another foreign man telling me my account has been compromised and I said almost verbatim as the man last time. This time, this man had my name and my social security number. I am scared for my credit and personal safety. Please see fit that this information is true to my knowledge and it absolutely scares me to know that some random person out there knows my SS # and name.
Product: Bank account or service

I received a sizeable check from the XXXX XXXX XXXX as part of a negotiated settlement to repurchase our vehicle ( lemon law ) on XXXX XXXX, 2016. I went to my local BBVA Compass Bank at XXXX XXXX XXXX XXXX XXXX, FL at approximately XXXX on XXXX XXXX to deposit the check and was informed by the teller that the Bank was placing a 5 day hold on the amount. They were kind enough to make only {$200.00} immediately available.
Product: Student loan

I currently have a student loan that I am in the processing with a total balance of {$120000.00}. Right now Sallie Mae wants about {$950.00} a month from me. On top of a federal loan that I am in the midst of paying along with car note, insurance, credit card bills and rent. It is humanly not possible for me. I have tried to call Sallie Mae and get a new monthly payment based on my income. I can realistically even do {$500.00} a month. I have called Sallie Mae multiple times and each time I call Im told something different I was told by one person that I would able to get a new payment and then when I went through the process of answering all their financial questions I was denied. When I called they gave me a hard time because I had a Co signer on the loan. However, if I had applied for the loan without a co signer I wouldve got denied so its a lose lose situation. My co signer is my elderly grandmother who is not helping me with my payments. I dont want to delay or push off my payments with Sallie Mae I simply want to lower my monthly payments. They aggressively call me and my grandmother about three times a day. At the start of corona I called and asked for a forbearance on my loan, the person I spoke to told me he would handle it and during the pandemic one of my loans were actively still open.
Product: Debt collection

on XX/XX/21 Aldous sent a collection letter for XXXX XXXX, I sent a certified letter back on XX/XX/21 requesting validation ( Both letters are attached ). I did not receive any communication since XXXX. I recently received my credit report and not only did they report a disputed / unvalidated debt, they reported it as three separate accounts to XXXX, with three different amounts and three different account numbers. The original letter stated {$290.00} and now they are reporting {$630.00} owed. They have violated Fair Debt Collections Practices Act. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b )
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX / XXXX $ XXXX XXXX, 2023 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

I have been having this problem for over a year with this collection company called pioneer. They claim that I owe them money, but I am currently paying the US department of education for my loans already. They've asked me to submit payment information, I have. I've sent them images of my paycheck garnishing, and they're still trying to charge me while the Federal department of education is already charging me.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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: Mortgage

I have a loan through Mr. Cooper and went into a pandemic-related forbearance plan in XXXX of 2022 after my income lessened by 40 % due to sales slowing/not bouncing back due to XXXX. 
I was told numerous times by Mr. Cooper 's customer service team on calls that at the end of the forbearance, there will be options for repayment such as slightly increasing my monthly payment amount for a set duration, a deferral, or modification but was reassured that a lump sum would not be required. Even in the exiting a forbearance paperwork sent to me, they say there are options available and do not say a lump sum would be required. 
I have now been told that the only option for me is to pay at minimum 10 missed payments and that I can spread out 2 months ' worth of payments. This is completely contrary to what I was told repeatedly and not feasible. The customer service staff I spoke with said there are no other options available and that I should look into borrowing money, short selling, or providing a deed in lieu. I have been completely misled by their representatives.
Product: Credit card

The XXXX credit card company is reporting a balance of XXXX on an charged off account. This account debt was cancelled over 5 years ago and discover still reporting this account opened with a balance. The IRS has given them the charged off tax credit and XXXX wont update my credit report and cancel the debt and show a XXXX balance. 
Actually this account is past the allowed time for reporting to the credit bureaus. Please investigate and remove asap
Product: Checking or savings account

Bank of America has stated through their research in case # XXXX that my accounts ending in XXXX ( checking ) and XXXX ( savings ) were closed due to two checks totalling {$200.00} and {$200.00}, respectively on XX/XX/2018. Bank of America included a copy of both checks issued from a company called XXXX XXXX XXXX. 
I have never done business with this company nor do the endorsement signatures match my signature. The bank has examples of my signature and should be able to compare ( Please see attached checks ). 
Typically, according to bank policy, I have up to 60 days to notify the bank of any errors once I receive my bank statement. I notified the bank in a timely manner before filing a complaint with the OCC stating that my account was closed due to these checks which I did not have any knowledge of being deposited. 
Bank of America has stated in its correspondence dated XX/XX/2018 that this constitutes " unsatisfactory handling '', and has reported to XXXX  and XXXX XXXXXXXX XXXX, damaging my credit worthiness. Throughout my time with the bank, I have transacted thousands in business, therefore this decision was not properly handled. 

I ask that accordance with Fair Credit Reporting and FACT Act that these accounts be removed from my consumer reports, as I have notified the bank that my identity has been compromised and any unfair reporting is a direct violation of my civil rights.
Product: Checking or savings account

I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not  belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.