23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Got letters from chase bank stating they were closing all my accounts and credit cards. But never gave a reason..my credit score lost XXXX points and the stress of having to get a new bank and setting direct deposits took hours and days plus we were hit with late fees because we couldnt remember who we did paperless with
Product: Credit card

Hello, My initial credit limit is {$300.00}. i never received a increase after trying continuously and the card was restricted and no longer useful after interest was put on the card.
Product: Debt collection

Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME!
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Prepaid card

My SS Retirement check is directly deposited in Direct Express the XXXX of the month. I received my deposit. A few hours later received an email from Direct Express stating my request to change my password was granted. I immediately called Direct Express stating I did not authorize this and why did they not try to verify request before granting it. They denied that they did this. My money was illegally transferred and all I could do is file a dispute and Direct Express never accepted responsibility for their lack of security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my Equifax, XXXX, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Product: Debt collection

Direct Recovery Services LLC took {$210.00} from me for XXXX XXXX. XXXX XXXX confirmed that Direct Recovery Services LLC isn't the debt buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son who has an XXXX account gave me a card to use for emergencies. I now have his account on my credit report as belonging to me which is lowering my score. His balance is more than I make in XXXX XXXX as I work part-time. I am about to purchase a car and my credit score should be higher but because of this error on my report, it is not. 

I have complained to Experian twice, explained the situation, sent them his contact info. They refuse to remove it. I am NOT in any way responsible for paying this bill which runs {$37000.00} a month. 

Please help.
Product: Debt collection

XX/XX/XXXX i went to see XXXX XXXX for XXXX to have XXXXXXXX  removed from my XXXX i signed a formed that stated he would except what ever my insuraance paid him on XX/XX/XXXX i had the XXXX  the dr was paid several times by my insurance XXXX and XXXX XXXX XXXX after further investigation the insurance discovered he was over inflating the bills and not license to do XXXX under XXXX XXXX in his office as there was no safety net in place if something went wrong and refused to pay the dr any more claims. 1 year later XX/XX/XXXX i get a notice from a collection agency INDEPENDENT RECOVERY RESOURCES i then reached out to the company and explained that in these bills there are no payments attached for service and do they really believe a XXXX XXXX cost XXXX and {$240000.00} I went on to explain that my XXXX  was so XXXX that i had to have another XXXX two more times and XXXX XXXX XXXX off my XXXX XXXX   from the mess XXXX XXXX did. There are bills dated for days that i did not see him and bills dated long after I moved out the state of XXXX XXXX i was living in XXXX from XX/XX/XXXX till present I would like to have this case investigated for fraud there are multiple items listed on the same date on 2 differents as 2 different things,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I discovered that Equifax Credit Bureau dropped my credit score by 92 points in a 30 day time period. The only change in my credit card balances over the last 30 days is a XXXX purchase in which I countered with a XXXX credit line increase with two of my creditors. According to the credit report from Equifax my Credit usage is 9 %. I called XXXX XX/XX/2020 Equifax to find out why my credit score dropped drastically. The representative informed me that she could not discuss my credit score over the phone. But that she could provide me with a free credit report, and will send it regular mail. I agreed to the free report! Bottom I believe that Equifax made an error in calculating my credit score. I need this issue resolved. I feel helpless, for I have done very well managing my credit and should not be punished like this!
Product: Credit reporting or other personal consumer reports

DEPTEDNELNET is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with XXXX, XXXX, and XXXX. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' DEPTNELNET is violating the FCRA, and consumers rights. also as of XX/XX/year>XXXX  NELNET was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX  there are many lawsuits against DEPTNELNET for their many violations violating state and federal laws. I ask that XXXX, XXXX, and XXXX do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account XXXX date opened : XXXX amount : {$610.00}
Product: Debt collection

This account has been paid and with {$0.00} balance. I have contacted the collector several times to honor our agreement regarding this pay to delete account. I have paid the account therefor is should not report on my file anymore.
Product: Credit reporting

Due to suspicious activity involving my husband 's social security number,  on  X/X/XX  I signed  on to Experian.com to get a free annual credit report. I was presented with a confusing screen asking me for my credit card and informing me that a {$1.00} charge would be on my account. I thought this was strange sin ce one repor t per year should be free, but I entered the information. On  4/14/17 , I noticed a {$21.00} charge from Experian and called to inquire. I was told that I had actually signed up for an Experian account with a {$21.00 } (! ) mo nthly fee. I explained that a mistake had been made, that it was never my intention to sign up for such an account and that the account had never been accessed. They offered to cancel the account but refused to refund the initial charge. In the past, every business I have dealt with has been accommodating and offered a refund when it was clearly not an individual 's intention to sign up for a services offered in a confusing way on a website. They have refused to do so. I have discovered a class action suit,  XXXX   XXXX  v. Experia n Information Solutions , Inc. fil ed in  XXXX  charging a pattern of such misleading websites and deceptive practices. Experian needs to immediately cease and desist such practices which deceive the very people their business was supposedly formed to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. AD ASTRA RECOVERY SERVICES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and AD ASTRA RECOVERY SERVICES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have 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 personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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 to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

I have excellent credit in the 789-810 range My Huntington bank credit limit was recently decreased from XXXX line of credit to XXXX I paid off any balance I ever incurred on this card If anything my credit should increase I feel I was treated unfairly XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was having financial issues and tried to make arrangements to catch up loan. I sent an email via Advanced America website XXXX XXXX XXXX asking for help and options to pay off the loan and received no response. My contract for my personal loan is for a payment of XXXX via debit card. The company used an unauthorized electronic check for an authorized amount and overdrew my checking account on XX/XX/year>. The loan has been impossible to pay off and the interest is extremely high. It feels like I signed up for a loan with a loan shark. The loan paperwork is long and confusing with no one explaining the details
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and it shows that XXXX XXXX  was charged off. I REQUESTED A 1099 -c and it was not sent They have this debt list twice on my report I want this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I found two fraudulent accounts on my credit report. One was a collection account from XXXX XXXX XXXX XXXX XXXX with account number XXXX, and the other was from XXXX XXXX XXXX with account number XXXX. These accounts were a result of identity theft and have significantly damaged my credit score. It was devastating to discover these fraudulent accounts as they had already negatively impacted my credit health. I took action by reporting the fraudulent accounts to the credit bureaus, which resulted in a fraud alert being placed on my credit report. In addition, I contacted the companies responsible for issuing the fraudulent accounts. Although the process was time-consuming and challenging, I persisted. Dealing with identity theft was difficult and stressful. I filed disputes with three credit bureaus, and two of them took action and deleted all the fraudulent accounts from my report. However, Transunion has not yet removed the fraudulent account from XXXX XXXX XXXX XXXX XXXX with account number XXXX. It is still on my credit report as I submit this complaint, and it should not be there.
Product: Debt collection

Ditech Financial LLC. put a lien on our mortgage and we didn't know it was on there until we were selling our home. Plus, the lien is over 10 years old and The original holder been out of business for over 5 years. When we sold our home Ditech Financial LLC., took out money from the sell. We then went to our lawyer and they told us to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated several FCRA US code 15 rules on my account.

violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments
Product: Credit reporting or other personal consumer reports

I am filing a report against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U..S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with necessary proof of investigation.
Product: Mortgage

I submitted multiple applications for assistance for home retention through Flagstar Bank. I submitted paperwork for loan modification and for information regarding Short Sale because I felt defeated and none of the Flagstar staff was willing to help me understand how I could retain my home or offer me any help. They called multiple times a day harassing me regarding the delinquency of my loan and would not offer me any assistance when I asked about my options. They simply ignored me and moved forward with the foreclosure.
Product: Mortgage

On the initial application a XXXX Representative, XXXX XXXX got my XXXX wrong he tried to get my credit report and claimed it was wrong on the application, but it wasn't because I kept a copy. Due to this incompetence, I requested another representative. When I requested another representative, XXXX responded " I think it's better if we end the application now. So, I asked for a supervisor. Never spoke to a supervisor, but was given XXXX XXXX. Through the application process, we have been asked over and over for the same information. Some information, I offered in the beginning of the process XXXX said they didn't need only to follow up with a request for the information repeatedly. A recent request asked for legal documentation of my wife 's social security, I'm sure it's because she is XXXX and we are a mixed race couple. My credit score is in the excellent range and my wife 's score is in the very good category. Our loan to debt ration is around 21 % and we are merely trying to get our mortgage refinanced to get rid of the mortgage insurance and a better interest rate. Our loan is currently with Wells Fargo. At this point, I want to terminate my application with Wells Fargo and receive written documentation that they have destroyed our information. Due to discriminatory practices.
Product: Mortgage

Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.
Product: Debt collection

I sent in letters to dispute certain things off my credit and. I received a response about how they could not removed certain credit collections off my credit report.