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

I told them that information on each bureau was different in accurate and requested all documents, signatures and photo identification, linking me to this account, and I have not received any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly 100 % inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. Thank you
Product: Credit card or prepaid card

Credit card company XXXX XXXX XXXX XXXX held my check for payment of {$20.00} balance on XX/XX/XXXX. I mailed check to XXXX XXXX XXXX XXXX and they held check past the due date of XX/XX/XXXX Friday until XX/XX/XXXX, to clear my account they charged {$20.00} late fee plus {$0.00} interest fee. When I called to explain it was sent on time and I was a 21 year member of XXXX XXXX XXXX XXXX and had same difficulty in the past and stopped using the card because they hold checks and drive up late fees there was not one manager or otherwise willing to help me to resolving this. I spoke with 2 managers including XXXX Team # XXXX at XXXX on XX/XX/XXXX. The {$20.00} they charged me exceed the original charged amount/balance on the account. This is excessive and two managers would not reduce this late fee. It is as if they are loan sharks charging 100 % interest on my charges. This can not be legal or right. I had to pay this over the phone today to avoid further late fees of {$20.00} on my {$20.00} current late fee on my original charge of {$20.00}. Thank you in advance for your time.
Product: Mortgage

I engaged Amerisave Mortgage, loan originator XXXX XXXX, in discussion about a home improvement loan to complete window and siding renovation to my home. MrXXXX XXXX guided me through the process of collecting various documents and disclosures and the need for an appraisal. I clearly made Mr. XXXX aware that this was to fund home improvements and NOT refinance an existing mortgage. Following an appraisal that Amerisave required by a Amerisave owned appraiser, I was told that the very improvements and repairs that I was looking for the loan to fund had to be made prior to loan closing ; which would negate my need for the loan in the first place. I was later told by sales mgr. XXXX XXXX ( sp? ), that Amerisave DOES NOT make home improvement loans in any way and only do refinances of existing mortgages of which I have none and that Mr. XXXX clearly knew all along despite getting numerous approvals from his manager. Mr. XXXX knowingly misrepresented their loan product. Their only 'resolution ' was to refund my appraisal cost.
Product: Mortgage

We have requested that Wells Fargo provide a lien release for a deed that has never be used and has a XXXX balance. Wells has closed the account because the account holder has died, and the Estate is trying to sell the property by Friday XXXX/XXXX/16. We have tried in vain to get Wells to provide the lien release document XX/XX/XXXX, we really need this document by XXXX/XXXX/16, we have extended the closing several times, and we are now facing the loss of this sale without that document. 
Please help with securing this lien release document from Wells, we are at our wits end and beyond XXXX!!
Product: Mortgage

Many late mortgage payments are currently being reported to all three credit bureaus by Wells Fargo Home Mortgage and those late payments are showing up on my credit report. The property ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) was deeded to my ex-wife, XXXX XXXX, on XX/XX/2013. I was not financially responsible for the property at the time the late payments were made. I have contacted Wells Fargo Home Mortgage multiple times to resolve the matter and have never had the situation resolved. I am requesting that all of the mortgage late payments be removed to correct the information. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Account # XXXX
Product: Debt collection

I have reached out to CMRE via a phone and mail to dispute an account they are claiming is in outstanding. I was instructed to send an dispute letter to their dispute department on XX/XX/2019. Having send the requested info CMRE has failed to validate the debt as per the FDCPA, they are holding my credit XXXX their account appears on my credit report every 6 months after I dispute with credit bureau and have it removed it comes back and their argument is we have the correct info. I have a copy of the certify letter I send it over to them and I have yet to hear from them let a lone validating the debt.
Product: Student loan

I tried to dispute my feed with the college. The professor did not grade assignments until 3 days before grades were due for the semester. I had a confrontation with his wife during XXXX. It wasnt fair. I disagree ti pay for the tuition.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX In Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 instruction
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently. I am a victim of identity theft these accounts need to be removed from my credit report. They were previously removed and now they have been placed back this is violating my rights these accounts are fraud!
Product: Debt collection

On XX/XX/2020 when the COVID-19 pandemic started I was left without a job. I was XXXX by the time. After three months without working and XXXX, I had to move to my moms house, I was XXXX. I couldnt pay rent, bills and car payment. I stopped making the car payments like around XXXX. I didnt have any money and I couldnt work because I was XXXX and it was very risky for me to work by the time. I started to get phone calls from an agent debt collector. I explained my situation and everything I was going thru. They obviously didnt care and were charging me a ridiculous amount I didnt not had at the time {$14000.00}. They kept calling me every day. They even contacted my mom. I also did not had possession of the car because I took it to a mechanic because it was having problems and I just left it there. Since I didnt have the car they told that they will take the car and I would still have to pay $ XXXX. I just XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to get back on my feet with my daughter and I need to fix this on my credit. 
Thank you
Product: Debt collection

i checked my credit report and ARS account resolution was listed on my report and i reached out to this company to provide me details on this account and they were unable to verify my information and i never received any notice from this company. 

I have the same exact name as my father and son and they were unable to verify my information correctly and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information on a consumers report and they didn't even send out any notices pertaining to this account. 
Unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to XXXX and Transunion to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
Product: Bank account or service

On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 604a ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from Experian or XXXX. I know that the credit bureaus received my requests because I did receive a response back from XXXX.
Product: Credit reporting or other personal consumer reports

I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/year> on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692 e.
Product: Credit card

I have a XXXX Credit Card under my business XXXX XXXX through U.S. Bank. 

Starting on XXXX continuing through at least XX/XX/XXXX my credit card was somehow used fraudulently to make a lot of purchases. I believe my card was stolen. It's possible I just lost it and someone found it and then used it, but either way that's stealing my card. The following transactions were the transactions made during this time : XX/XX/XXXX purchase XXXX XXXX {$24.00} XXXX purchase XXXX XXXX {$20.00} XX/XX/XXXX purchase XXXX XXXX {$20.00} XXXX purchase Target {$250.00} XX/XX/XXXX purchase Target {$250.00} XX/XX/XXXX purchase XXXX XXXX {$500.00} XX/XX/XXXX purchase G XXXX XXXX {$190.00} XXXX purchase XXXX! 
{$98.00} XXXX purchase XXXX XXXX {$800.00} XXXX purchase Staples {$500.00} XXXX purchase XXXX XXXX {$100.00} XXXX  purchase XXXX Point Steamers {$110.00} All of these transactions are FRAUD. I reported it to my bank U.S. Bank like you are supposed to if something like this happens. They initially credited the money back to my account, but then immediately reversed those credits the following day... I called and told them that it's fraud, and they must be making some mistake. I have done my part contacting them several times. I told them the situation and don't understand why they are putting these charges back on my account and telling me to pay them... I won't be paying these charges as they are FRAUD. Either way you slice it. I would like for the CFPB to reach out to U.S. Bank on my behalf and try to recover these funds before I have to sue them. 

Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was informed by my credit card company on XXXX XXXX, 2017 that they have changed my credit card from a Credit Limit to a " Credit Access Line ''. Based on what my research indicates this will have a negative impact on my credit score. As a result of my research I reached out to my credit card company and informed them that I am declining this change. Within 24 hours Chase informed me that I had no say in this matter and that they would not be reverting my account to its original terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, XXXX and Transunion about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Product: Debt collection

my identity was stolen in 2017 and my credit has been impacted because of this. I have recently learned that all of this was due to a security data breech and my information was used to make purchases and get cash advances.
Product: Vehicle loan or lease

Ive had my car with American Credit Acceptance as the bank since XXXX I got the loan with and my APR is over 22 %. I am XXXX XXXX XXXX and joined XX/XX/XXXX. XXXXm paying for over two times what the car is actually worth
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Chase Bank has been calling asking for my father XXXX times in less than an hour. the first call started at XXXX and its XXXX and they have just made the third call. Chase Bank called as many as XXXX times yesterday which is when the collections calls started. They are trying to collect a late payment of {$55.00}. My parents are both XXXX and my mother does not speak XXXX so she is unable to explain to them that I her daughter will make the payment for them today after work.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX XXXXXXXX online system had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I went to a restaurant, used my new Keybank debit card and my transaction was declined. I was very confused, but thought something was wrong with the activation of my new debit card. I had just activated it the day before. The next day, I called the local branch to see what had happened. I was told that my account was under investigation because a deposit was made from a XXXX account but the names didn't match up. This is simply because I use my business name for my XXXX, not my actual name. I had done this for four years with my prior account that was at the same bank, without incident. The deposit amount was very small ( five cents ) because it was a standard verification deposit that is done whenever someone links a XXXX account to a new debit card or checking account. I was told that if I came into the branch and showed my ID, they would lift the restriction. Keep in mind, at this time, I was unable to even log into my online banking to see the status of the account or how much money I had. When I went to the branch to show my ID, they told me they were unable to lift the restriction. They called the fraud department and the person who flagged my account refused to lift the restriction even though I was at the branch showing my ID and saying that it was okay, there was no fraud going on. I was told that it could take up to ten business days for them to decide what they wanted to do about the situation. I would have no access at all to my account or my money for ten business days. I was devastated. The next day I directly called the fraud department at Keybank, spent 44 minutes on the phone with them, and was told the same thing. They also said that it was entirely up to this one man ( the man who flagged my account in the first place ) to lift the restriction. I feel financially violated, disgusted, and that this whole situation was a huge breech of trust. I don't see how what they are doing here could possibly be ethical or legal. As it stands, I still have no access at all to my account, my funds, and no clue when the situation will be resolved. It feels like my account was hijacked by Keybank and that nobody will help me. I highly discourage anyone from using or trusting this institution.
Product: Debt collection

I had a Chase Sapphire Reserves credit card in XX/XX/XXXX which has an annul fee of {$450.00}. It came with an annual travel credit of {$300.00}. With COVID pandemic in XX/XX/XXXX, we would not be able to travel to use this travel credit.

In XX/XX/XXXX, Chase increased the annual fee to {$550.00} for this card, so I decided to close this account. During the closeout process, I asked about this unused {$300.00} travel credit due to COVID. The representative on the phone agreed to give me back {$100.00} credit and I would forgo the remaining {$200.00} travel benefit. I agreed and we started the process to close the account. Unfortunately, during this process, our phone call was disrupted. I called back right away, but got a different representative, who had no knowledge about our agreement and refused to give me the {$100.00}. 

They did offer to extend my travel credit to next year, but I did not feel to pay the higher annual fee, so I decided not to accept. We closed the account that day in XX/XX/XXXX and I paid off all the balances with the exception of this {$100.00} travel credit that Chase agreed to give me back. 

Since then, Chase has sent me demanding letters and phones calls for this. I explained the situation and their agreement with me and asked them to listen to the voice recordings and notes, but they continued insisting on the remaining payment, which I do not feel I owed them. The balances has grown to {$300.00}, which Chase finally wrote off in late XX/XX/XXXX an reported me to the credit bureau. 

As a result, my credit score has dropped by 193 points from XXXX to XXXX. This is an abuse of Credit to a very good consumer during a very difficult time of pandemics. Chase is abusing its power to ruin my credit history which took me years to build. I changed from a perfect credit score to a bad credit score consumer. 

I hope the government can step in this situation to stop this abuse. By the way, they did not offer any COVID relief to me. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate and must be removed.