23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXXXXXX closed out my credit card account due to personal information that Transunion, XXXX, and XXXX reported to them.Reporting According to the Fair Credit Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Transunion, XXXX, and XXXX are consumer reporting agencies and I the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic nonpersonal information. Per 15 USC 1681 section 604 ( a ) section 2 states '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX, Transunion, XXXX, and XXXX the financial institution and the Consumer reporting agencies do not have my consent whether it be verbal non verbal written or non written or otherwise is revoked.
Product: Payday loan

check for {$500.00} but took half instead. I was w/ us bank. I now have XXXX XXXX paralegal XXXX calling form XXXX. XXXX XXXX attempted to contact me for the first time XXXX/XXXX/15. also proceeded to contact my father. released confidential/personal info. telling him a warrant would be issued for my as well as a felony on my record. same day also contacted my XXXX brothers. I attempted to set pmt arrngmnts as was told by XXXX representatives from walker I was non-compliant and foewarding to a judge. my XXXX hung up on 2 times before I was able to get him to transfer me to his manager who also stated I was non-compliant. adv her Arizona is a community property state my wife should have been primary contact. instead private info released, threatening acusations, illegitimate & down right harassing business practices I would request u look into company to make sure other are not having to deal with this kind on treatment..
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


In accordance with the Fair Credit Reporting act. The List of inquiries and, accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

1099c profit and loss has not been reported as told to me by XXXX or XXXX to the internal revenue service IRS in order for this to be reported to my credit as a valid debt write off or canceled debt has to be reported within 180 Days per statutes and laws governing these accounts
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit card

This is an issue with Chase credit cards regarding payment in full and continued interest charges. 

My XXXX statement ( XXXX/XXXX/16 ) with a due date of XXXX/XXXX/16 showed the balance due to be {$6700.00} I sent a check in the amount of {$6700.00} to pay off my bill. 

My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager, I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly, I was spoken to as if I never paid my bills and I was not worthy of any good faith. 

I am confused about the policy and unhappy with the treatment of card holders and wonder why such a big bank is willing to lose loyal card holders over such a small discrepancy. 

I am also confused as to why the reps and managers I spoke with gave me a very different answer regarding interest than the question and answer i found on the Chase web site when I searched for an explanation of interest charges. This is what I found : Question : How can I avoid paying interest? 
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers, checks, cash advances, and overdraft advances do n't have an interest-free period. On these transactions you pay interest on the balance until they are fully paid. 

I am hoping you will review my complaint and waive the questionable " valid finance charges '' of {$44.00} Thank you for your time. 
Sincerely,
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$5900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I have my car financed thru Capital One. I was laid off and got way behind - about 2 months. Since XX/XX/XXXX, I have been making my full monthly payment either biweekly or recently, weekly. I have talked with Capital One at least 29 times over the last 5-6 months, telling them repeatedly to stop sending threatening emails & texts about repossessing my car. They continue to threaten and harass me. Today I received a text that stated Hi XXXX, this is Capital One about your auto loan ending in XXXX. You may qualify for a payment plan to avoid repossession. Call us at XXXX to discuss or pay the total due online. For disclosures, visit https : //capital.one/discl Msg & data rates may apply. Reply HELP for help or STOP to stop. I called. The woman told me there is no assistance or payment plans for me to avoid repossession. The reason why there are no payment plans is because I dont work- exactly who needs the payment plans the most. I called capital ones office of the president - a department I have spoken with before. This time I was told if I pay an extra {$130.00}, it would prevent further harassment. But I heard this before in XX/XX/XXXX. I paid an extra ~ {$84.00} but that did nothing. I recently changed my biweekly payment to a more manageable weekly payment. I guess they dont like that even if I am still paying my full monthly payment. They have been threatening repossession for over 6 months, even though Im paying the monthly and even though more than one Capital one employee has told me that as long as I continue making my full monthly payment, the car will not be repossessed. Actually, I think the repo calls are worse since I have been making the monthly payment. I have told Capital one that I start collecting XXXX XXXX in XX/XX/XXXX and I will start paying more then. So now, with my XXXX y/o daughter using the car & who works till after XXXX at night, I have to worry that shell leave work to find no car. And no way to get home.
Product: Mortgage

Good afternoon, I have a complaint against U.S. Bank Home Mortgage. U.S. Bank is my Mortgage servicer. Recently there was escrow analysis completed and I was told there was a shortage in the amount of {$560.00} I have asked what was in my escrow prior to the shortage amount. I have not received an answer. Problems with the escrow has been happening for years... There have been increase in payments through the years. 
The problems I believe began in XXXX through XXXX when the loan was modified after years of processing. The end result is a partial claim in the amount of {$50000.00}. Which is due at the end of the loan. During this time of Chaos U.S. Bank talked about a Quick Sale. 
Through prayer and contacting an Agency like yours and FHA the loan was finally modified I am Questioning the {$50000.00} balloon payment that is due after Our home is paid off.

I talked to someone in the Modification at U.S.Bank and she kept insisting they were correct in the amount, The person also told me it was not there error it was a machine which calculated the amount. I read the information on your page about the 7 Mortgage serving violations. I believe I cc was charged unauthorized amounts. The bank told me in the beginning of the loan that they were increasing the monthly payments because we did not have Home Stead Exemption which is untrue. With recent concern and confusion with the escrow I need someone to investigate what is happening with my mortgage account. Unfortunately Mortage Servicing Violations happens. I was told recently instead of a shortage in the escrow there is now an overage. I was told two different amounts would be refunded by two different employees at U.S. Bank I appreciate your assistance in this matter. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because I wrote to experian in regards to accounts that are reporting on my credit as inaccurate and/or as violations of the fcra. They have ignored my request for deletion of all accounts with inaccuracies and violations. Please resolve this as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

SELF credit card company There was an account opened in my name. I spoke to experian making them aware i did not consent this. I am now having to reach out to you all for further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report from XXXX XXXX  XXXX on XX/XX/. I did not apply for any form of credit with this company. At that time. Ive already called the company to report it. They advised me to also report with FTC and to the Experian credit bureau in which it was reported to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with Experian, but Derogatory with XXXX and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, Experian, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with XXXX and Experian, but XX/XX/XXXX with XXXX.
Product: Mortgage

XXXX request for modification, a temporary modification was granted to start trial payments, made the trial payments. Post the trial payments a letter was sent to verify more information. XX/XX/year> asked what information is needed. No response. I filed for Bankruptcy XXXX XXXX. Due to the Bankruptcy the mortgage company then requested a letter from the lawyer. Sent letter in XX/XX/year>. I was assigned a POC. Another temporay modification was granted XX/XX/year>. Payments were made and I was advised to send information to verify that I am in deed the person who purchase the home and a copy of my deed. I sent them a copy of my deed, a copy of the deed when I sold an easement of 60ft of the property with their permission because they had to sign off on the paperwork. I sent them a map of the property that was soId. The paperwork is clear and do not place any other person on the deed to this address but me. then requested paperwork from the mortgage company that state that I am not the deed holder so that I can have something to show the courts, title company and etc. I've been to the courts several times and they have given me a copy of the same deed I have which I have sent in email correspondence to shellpoint. In XXXX my Lawyer ask the courts to grant a modification and modification was granted. Payments per the modification were made. in XXXX I have new correspondence from mortgage company requesting a death certificate. I am traumatized because I am very much alive. The modification is not granted again.
Product: Payday loan

I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX i open account a XXXX XXXX card with XXXX, i never had any problems and always pay my bill by auto pay. i previously reported this problem and XXXX responded XX/XX/XXXX. The letter they sent proof they really are XXXX and do not know what they are doing to customers. 

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added XXXX XXXX to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. 

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account on XX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX & I deli {$50.00} XX/XX/XXXX IL XXXX {$1200.00} XX/XX/XXXX store {$150.00} XX/XX/XXXX Il XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX an auto {$3000.00} just to list a few of these fraudulent charges
Product: Mortgage

I have been working on a loan modification with XXXX XXXX XXXX for over 5 years. I completed numerous RMAs, continuously provided documents, pay stubs, bank statements, tax returns, W2s, letters of hardship, etc. It has been an endless request for and submission of documents. However, no one can tell me the status of the application. They just send me a new RMA to start over. To help us get the modification, we started working with XXXX XXXX, a community housing program in XXXX XXXX. XXXX submitted a modification package for us. Over the last year, XXXX has been in the same perpetual circle that we were in. XXXX has asked XXXX to start over 5 times and like us, they just keep sending in documents with the only response being more of the same documents and then a request for a new RMA and start again. This process is grossly unfair to the consumer.
Product: Student loan

In an effort to take advantage of the 0 % interest on student loans, I have been trying to make payments to Nelnet during the pandemic. I have repeatedly set up automatic debit payments only to have my payments put in an in school deferment without my consent, on several occasions. This has cost me hundreds of dollars in interest due to my interest rate being ridiculously high at 6.8 %. For example, in XXXX of XXXX I had my loan paid down to {$520.00} after making some lump sum payments on top of the monthly auto payments. When my school reported that I was attending full time, Nelnet automatically put me in an in school deferment and stopped my auto payment without my consent and without any notification and collected {$170.00} in interest bringing my balance up to {$700.00}! THIS IS ROBBERY!!!!!!!! And, this is not the first time Nelnet has done this! I have requested on multiple occasions since my return to school in XXXX that they do not revoke my automatic payments, yet they continue to do this and collect hundreds of dollars in interest from me. I am NEVER going to pay this debt off if they continue to steal from me in this passive manner. Please help me, I have no other recourse!