23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have my loan through Chase. Chase reevaluated my mortgage payment and they raised it due to escrow. The increase in payment was three hundred plus dollars, on a XXXX mortgage payment. In the meantime, In XX/XX/XXXX I filed for a homestead exemption with my state in XX/XX/XXXX. I called multiple times at the end of XX/XX/XXXX and all through XX/XX/XXXX and was told they would accept an estimation. All the while explaining multiple times to multiple people that the XXXX central appraisal district ( XXXX ) updates everything on the XX/XX/XXXX. But I was told that the estimation would be enough. Now we come to XX/XX/XXXX I spoke with the escrow department and was told nothing will change. Also, that I would have to pay the higher payment till XX/XX/XXXX till they do a escrow analysis again. I emphasized the point of the XX/XX/XXXX update again and was criticized by the agent for requesting the escrow analysis too early. Even after explaining that I was told to request it because I was told they would accept the estimation. She was telling me it was my mistake and not Chases for the misinformation. After much argument they ordered another analysis. In the bulk of the call she threatened to do nothing about the issue. At this point I am waiting for this to be fixed, and dont take a like being blamed for being what I was told to do, and just want to pay what I am supposed to pay. Who knows how many people they are overcharging and keeping in their accounts till the end of the year, either gaining interest or getting more money to loan out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,
Product: Consumer Loan

In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 my sister sent me {$5000.00} through a domestic online wire transfer through XXXX XXXX. I use PNC bank and they say they have no record of the transfer and the money has now left her account and is not in mine. There is {$5000.00} just missing. XXXX XXXX is claiming the problem is with PNC and PNC is claiming the problem lies with XXXX.
Product: Credit card or prepaid card

I've been a victim of identity thifet and mail thifet and have Ben advised by my local police department to file for identity thifet, I just recently Ben aformed that I may have a bank of America pre paid card issued by the XXXX that I did not recognize and belive unauthorized transaction have Ben charged with out my knowledge or permission and would like to have an investigation to be initiated by Bank of America to dispute any charges that may have Ben placed
Product: Vehicle loan or lease

My statement dated XX/XX/2020 lists a balance of {$13.00}. XXXX. The current principal balance on the statement is listed at XXXX. When I log in online it shows a principle balance of XXXX as of XX/XX/2020. 

The statement indicates that fees are included in the total balance but this lender is charging me separately for fees with a balance of {$940.00} and they also have not applied any payments that I made to the fees balance on the statement. 

This lender is charging me incorrectly and using fraud billing tactics.
Product: Credit reporting or other personal consumer reports

recently viewed my credit report and Ive noticed that I have a fraudulent accounts reporting on my credit report Im asking that this inaccurate account please be deleted.
Product: Checking or savings account

I was looking at our checking account transactions and noticed that on XX/XX/2024, {$130.00} was taken for XXXX, which doesn't cost nearly that much. The transaction says " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

I looked them up and wrote to them, but got no satisfaction.
Product: Credit card

I am an XXXX XXXX XXXX  member. I was stationed in Louisiana from XXXX. I sent the XXXX reduction letter & orders to Citibank multiple times with no success. IAW Louisiana Laws ( Title 29:312 ) interest should have been capped XXXX  6 %. I arrive XX/XX/XXXX and recieved extension orders from my trade school until XXXX. All are attached.
Product: Credit card or prepaid card

On XX/XX/2016 someone opened a line of credit in my name with XXXX. The parent financial institution is Jefferson Capital, they are the one holding the dent in my name. I was in XXXX  XXXX  between XXXX through XXXX. The amount of {$540.00}.
Product: Credit reporting or other personal consumer reports

There are inquires on my credit report that I did not authorize and that do not belong to me. Please have them removed from my credit report as soon as possible. 

I have listed all the inquires below. 

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

This company made a remark that I didnt upload documents supporting my issue when I did and they still failed to comply and remove this business credit card from my personal credit.. Ive attached serval documentation along with photos showing theyre website always have error issues for over 10 days or more.. If failed to comply I will take civil action against this company..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that's not mine on my credit report from eastern account syst on XXXX in the amount of XXXX and a lot of credit inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit XXXXXXXX. I attached a letter along with ftc report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

this XXXX accounts have been on my credit report as long as a can remember - XXXX XXXX credit union credit card with account number XXXX which is in good standing no balance owed or due and- XXXX XXXX XXXX XXXX XXXX loan with account number XXXX which is my autoloan account i had paid off and this are the key accounts on my credit then while am in a process of buying a house and have lenders check my account seeing this accounts listed on my report. XXXX week into the process you have this XXXX accounts dropped for no reason, no explanation provided and this dropps points on my report by XXXX while am in a process of getting a mortgage loan. 
I believe this was done intentionally to prevent me from getting a good mortgage deal or for not getting mortgage at all and i reserve the right to sue you for wrongfully dropping accounts off my report for your personally gains,. i have attached snapshots of the accounts on your report before you dropped them for no reason/ no explanation given when am in the cause of trying to get a mortgage loan I have attached XXXX screenshots of this XXXX accounts on my report from you guys on XX/XX/XXXX before you dropped the accounts right when i started shopping for a mortgage causing my credit score to drop XXXX points. 
the credit report file you sent to me has the following as report number : XXXX for XX/XX/year>XXXX XXXX
Product: Debt collection

Asked synchrony bank to validate an alleged debt under the Fair Debt collection Practices Act, company failed to validate and caused serious harm to my credit, also they had no written consent to report on my credit report which constitutes fraud. Also violated my consumer rights which will need to be addressed. violations will be uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Natural XXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} XXXX DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Prepaid card

Rushcard did a system maintenance. While doing this maintenance I had a direct deposit go into my account that they wo n't release to me. The system has been down since XXXX/XXXX/15. I and others have not had access to our money before or after. Many of us like myself still after 9 days have no access to my money. You call the customer service line it hangs up on you. Or there is no answer while being on hold for hours at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX I opened an account with XXXX XXXX company for a water softner/reverse osmosis system for my home in XXXX XXXX  . I was financed through Aqua Finance company and paid {$110.00} every month ; this was directly debited from my checking account until it stopped coming out in XX/XX/XXXX. I was told the direct withdrawal would stop once paid. The original amount of financing was {$6600.00}. As of XX/XX/XXXX I paid {$5200.00} which would leave a balance of {$1400.00}. On my credit report it states that I still owe {$3700.00}. When I called Aqua Finance to get an explanation, and to tell them I would pay off the amount owed or they could have the water softner back, they said they didnt want it back because it was old and wasnt working anymore, and that i still owed {$3700.00}. I asked for a detailed explanation and offered to pay the {$1400.00} and they said no. They also would not fix it. I moved to XXXX  and left it there in XXXX  so I no longer even have the broken device. When I called XXXX XXXX XXXX  they said it was paid for and I could take it with me when I moved and they would even come to my house and box it up for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with CHRYSLERCAP, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLERCAP and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLERCAP with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulently reporting account. This XXXX XXXX account is closed, has a XXXX balance, and has been been paid by a debt collector XX/XX/2015 supposedly. I have 15 months of Experian credit reports showing this account closed with a XXXX balance. However, I have never received a verification of debt from XXXX  or XXXX XXXX, XXXX has never reported on my credit as owing them a debt to them so I do not know who they are or if they even exist, and both XXXX XXXX and XXXX  are past the time-barred statute of limitations to sue for collections of this debt which is 3 years in NC and SC. This account continuing to report without legal right is damaging my credit and is an attempt at consumer fraud through extortion via fraudulent reporting. Delete this from my credit report based on these extenuating reasons of lack of evidence of a debt owed by me to either of these creditors.
Product: Debt collection

I have reason to believe that AD ADSTRA RECOVERY SERVICEXXXX is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1600.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of AD ADSTRA RECOVERY SERVICEXXXX or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 information is inaccurate. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? 
I believe my consumer rights are under attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have autopay turned on and my on-time payment percentage was decreased from 100 % to 95 % effecting my credit even though the payment was auto-paid as per their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still XXXX that Equifax did not put my Positive History from My XXXX XXXXXXXX Account, that was in good standing every since I had it back on my account. 

The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable. 

XXXX and XXXX Still have all of my positive history as it should be. 

They can contact XXXX and XXXX to pull that information in order to put it back on my Equifax account.
Product: Checking or savings account

They claim that biometrics is the way the way my card was used but I know for a fact that isn't the case because I found my phone but not my card and the last time I used my virtual card I wasn't able to
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

Yesterday, I was told that there was a problem with my account and that the only way to fix this was to set up a different payment method. I was told that I would have to call monthly and that they would credit my account based on my assertion that a payment had been made. None of this makes sense to me. I get email notices and letters of my late payments, late payment charges and they can not track my payment even though it has the account number and name associated with the card. I have tried to resolve this issue since about XXXX of last year to no avail. 

I have received several letters from their Special Response Team but the problem has not been fixed. I have attached partial bills that show the late payment fees, reversals, and responses from the credit card company ( Capital One ) I am not sure how this is affecting my credit report but I am spending a lot of time every month trying to resolve this matter. This is extremely frustrating. 

Thanks XXXX XXXX XXXX