23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this.
Product: Mortgage

I have had multiple incidents over the last year to where I was consistently given inaccurate information concerning the status of my account which has contributed to my account falling behind. I was approved for XXXX XXXX for a lump sum payment back on XX/XX/XXXX and also approved for an additional XXXX XXXX  starting XX/XX/XXXX. I was told that XXXX was covered and partially of XXXX and the rest was put into a repayment plan which brought my current mortgage of XXXX to XXXX. I called in a few days ago and was told that since XXXX XXXX sent in XXXX that I only owed XXXX. I just received an abrasive call today from XXXX XXXX as well as the XXXX XXXX who was also abrasive ) saying that the repayment plan started in XXXX and a repayment plan letter was sent out, in which it wasnt. Instead I got a threatening letter saying that I owed roughly {$5000.00} which is inaccurate. I called concerning the letter and she said that I shouldnt have gotten that letter and that I would continue to receive only the letters stating that a late fee was assessed since I was on a repayment plan. There was no mention of a repayment letter being sent out until today. XXXX also mentioned in a threatening way that this repayment plan had failed and although she could restructure the plan that if I failed again then I wouldnt be eligible for a repayment plan again. In my experience since Covid, this company is purposefully giving out inconsistent and inaccurate information to purposely make me default. 

I plan on filing a lawsuit and any assistance would be appreciated.
Product: Payday loan, title loan, or personal loan

My pay period changed I knew my payment was coming due on XX/XX/XXXX So I called cashnetusa to change the draft payment to XX/XX/XXXX so I wouldn't go negative they confirmed this was okay however they drafted my account again which was unathorized in the same week..I understand my payments are made in 2 week intervals they drafted my account TWICE this week now I am negative in my account and can not pay my rent due on XXXX. Cashnetusa was unreachable on XX/XX/XXXX which is unheard of for businesses to be closed on XXXX Friday this is the shadiest business practice and I may have to close my back account and open a completely new account to avoid being robbed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit with a Agency and Credit Karma is not providing the accurate scores and correct information from XXXX, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow XXXX XXXX, XXXX XXXX and XXXX XXXX. CreditKarma.com displays XXXX XXXX and XXXX XXXX it does n't display XXXX. Credit Karma is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with Credit Karma. I am providing my Credit Karma information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX Credit Karma credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as credit karma states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 Honda Financial services reported my account as a late payment for the amount of XXXX $ which negatively impacted my credit rating severely I reached out to them many times and was never given a proper solution or fix to my issue I was told I can go as much as 30 days out from payment due date before they report it to the 3 credit bureaus I had made my payment only a few days out from due date and was marked as late on my credit report this institution has a record of reporting customers accounts inaccurately and Im here to challenge and fix my error that is mistaken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXXXXXX OFFICE OF THE ATTY XXXX : XXXX XXXX XXXX XXXX XXXXXXXX OAG XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
Product: Credit reporting or other personal consumer reports

All my personal and private information was used in an unlawful data breach Not authorized by me.
Product: Debt collection

XXXX XXXX has ignored all my certified letters disputing the amount in question ; all my phone calls and certified letters were fruitless ; I disputed my bill and provided proof ; the hospital ignored me and sent me to collections. On XX/XX/XXXX I disputed the collection letter and amount ; my insurance company is doing an audit and they are looking into the bill the hospital claims that I owe ; the hospital did not bill me accurately for services rendered XXXX XXXX. I do not owe the amount on the bill and the hospital did not do everything on the detailed bill. An example, I did not get a XXXX  but they are charging me for one not once but twice - I have a duplicate bill for the XXXX  department.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX XXXX  kept raising my insurance premium without my knowledge I disputed the amount with Compass since XXXX, Compass gave provisional credit, did not investigage and debited my account making all kinds of negative adjustment. 

All the disputes were handled in another country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XXXX/XXXX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XXXX/XXXX/XXXX to which I immediately called XXXX for an opt-out again. Today, XXXX/XXXX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the items listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed it asking them to prove its my debt and they said they investigated it and never providing me with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA individuals should have access to credit reports online, Equifax has not allowed me access to my personal credit report online nor updated my information. ( See attachment ) their website has not been updated since the following date on the attachment. 
Equifax is reporting an address I have never lived at and swears that the address belongs to me. The following address belongs to an XXXX family listed with the XXXX County Recorders office or Assessors Office. The address they swear belongs to me is : XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Due to the hardship and denial of several credit from fraudulent addresses reported without my permission this has caused me to be denied employment and licenses for skilled trade. 

I can login to an Equifax website but the information is incorrect. I contacted my attorney and have relocated to an entirely different state to disassociate myself from fraudulent address to continue to be a victim of fraud. ( see attached information )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX CREDITOR : XXXX  XXXX XXXX ACCOUNT # XXXX CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : XXXX,
Product: Credit card or prepaid card

Applied for a NFL Extra Point XXXX card, got an adverse action letter, called they couldn't help. The letter says they can't give me a card because i have an existing 1, I don't. They refused to help XXXX XXXX, writing an executive complaint, want the world to see this, yall need to investigate their adverse action letter process. They violated this 1009 ( b ) ( 2 ) 1. Number of specific reasons. A creditor must disclose the principal reasons for denying an application or taking other adverse action. The regulation does not mandate that a specific number of reasons be disclosed, but disclosure of more than four reasons is not likely to be helpful to the applicant.

2. Source of specific reasons. The specific reasons disclosed under 1002.9 ( a ) ( 2 ) and ( b ) ( 2 ) must relate to and accurately describe the factors actually considered or scored by a creditor.

And said others were harmed. they need a fix and to be fined.

If you cant see the letter let me know.
Product: Credit card

I hope this letter finds you well. I am writing to express my concerns about the recent denial of my credit card application with your company, as indicated in the denial letter dated XX/XX/XXXX reference # XXXX. Upon thorough review, I believe there may be grounds for reconsideration. 

I wish to draw your attention to the provisions of both the Truth in Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ) as they relate to my application. TILA defines credit as the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Additionally, the ECOA expressly protects applicants from discrimination based on the exercise of any right under this chapter, including the right to credit as defined by TILA.

The denial of my credit card application has raised concerns about a potential connection to discrimination. I firmly believe that the denial of credit, especially when tied to the exercise of a protected right under the ECOA, may constitute a form of discrimination. I am seeking a detailed explanation of the specific reasons contributing to the denial, with a focus on ensuring compliance with both the TILA and ECOA. 

Furthermore, I would like to express concerns about the potential withholding of my access to securities, which may raise issues related to securities fraud under the Securities Exchange Act of 1934. As a consumer, I am aware of the importance of fair and transparent practices, and I seek assurance that my rights are fully respected in this matter. 

In accordance with the Federal Reserve Act Section 16 Part 1 and 2, I consider the credit application to be a security. As such, I request the issuance of the credit card in exchange for the credit application. I believe that addressing this request will contribute to a resolution that aligns with legal standards and principles.

Thank you for your prompt attention to these matters. I look forward to receiving your response.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a debit card in the mail from Key bank for an account with the Illinois Department of Employment Security presumably for unemployment benefits. I have been retired since XX/XX/XXXX and am not entitled to, nor applied for said benefits. Upon trying to contact Key Bank, I was given the opportunity activate the card which I did not. I tried to find a choice on their system to talk to someone but, just got put on hold, cut off.
Product: Mortgage

I made a {$5000.00} payment to be applied to the principal of my loan on XX/XX/XXXX. SLS processed the check on XX/XX/XXXX. As of today, XX/XX/XXXX the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Product: Checking or savings account

This is XXXX XXXX i was with wells fargo bank and i had my account with them for about 2-3 years with no problems from XXXX i think, until i saw a withdrawal of {$900.00} from another state which it wasnt me, i reported the incident to the branch, they open a case about it but i never got any response fron them at all. They gave me a claim number XXXX but never got reached from anybody
Product: Debt collection

A debt collector named  XXXX   XXXX   XXXX . held a credit debt under my name. I made several payments to the debt collector and made a final settlement arrangement of {$1200.00} to close to the debt. That payment was made to  XXXX   XXXX  on  XXXX .     My wife and I were contacted by a law firm called  (   XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX , on  XXXX , stating they had a property complaint regarding our address and we needed to be available to receive property complaint papers between the hours of  XXXX . I called the number at my earliest convenience to learn  XXXX   XXXX   XXXX  on behalf of Bayview Solutions LLC were trying to collect on a credit debt matching the one paid over fours years prior. Stated they would cancel summons paperwork if I paid the amount of {$2100.00}. I reluctantly paid the amount to avoid legal action or property disputes, but stated I had previously paid his debt.  XXXX   XXXX   XXXX  as well as  Bayview Solutions  stated I would be provided with a summary of charges after payment. The only statement I 've yet to receive does not show a summary.     I personally tried to trace back through several debt collection agencies where this bill might have gone wrong. The  two com panies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after  one is met. The Debt in question was received by Bayview Solutions  by  XXXX   XXXX   XXXX  on  XXXX  of   XXXX   with a balance of {$1500.00}. I 've been told by  Bayview Solutions th at they could refund my payment of {$2100.00}, however, would not close the debt in question.     I would like to know why I never received a notification of debt fro m Bayview Solution LLC, and  never heard of debt in question until be contacted on  XXXX   XXXX    XXXX  ? I would like to now why they are collecting on a debt that has already been settled upon. I would also like to know why I had to pay more than my original debt in it 's entirety, {$520.00} more than the amount passed to Bayview in  XXXX  of   XXXX  , and why I ca n't seem to get a document stating the breakdown of payment?     I will attach all records I have of all known payments regarding this account, and a copy of debt settlement and closure by  XXXX   XXXX   XXXX .
Product: Payday loan, title loan, personal loan, or advance loan

For about the last year chime support is not good. The biggest problem is with their features. The slogan they promote, they dont stand by. This past week I contacted then several times about the policy on the my pay day feature. I had a personal limit of XXXX and they increase that limit on. Daily basis up to the XXXX so when mine stopped increasing at XXXX and I had only used XXXX of the XXXX I contacted support XXXX maybe 4 times to inquire about it and the fourth time I was told that my limit was actually only XXXX I have a screenshot of that conversation also. I was never sent a notification about the decrease and today when direct deposit goes in my limit is XXXX. They dont follow their own policies and when its brought to their attention, they change it. Ive had several issues such as this for the last XXXX years and would prefer not to change banks just because of the hassle of having to change so many payment accounts with this bank. I have been with them a very long time. But their customer service tells the customer pre written answers and its a one fit all solution. That is wrong only for the customer to still come up on the losing end ALWAYS SOMEHOW. They always make the decision into their favor after youve repeatedly called for the same issue