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

A credit card company incorrectly charged me money. During the dispute the account was sold to a 3rd party. The new company will not stop billing me, and has no interest in resolving the dispute. They submit negative reports on a regular basis. I have disputed with the credit agency, who has not removed or blocked the negative reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I went to get preapproved for a new mortgage loan as we are both in the XXXX and are being XXXX in XXXX weeks ( XX/XX/XXXX ). The pre approval was denied because our credit report stated we had a late mortgage payment. We were very confused because we were unaware of any late payments. Upon calling LoanCare we were informed that in XXXX of XXXX our auto draft payment was sent back from our bank for insufficient funds. We were unaware of this. At the time, we had noticed the money was still in the account and went online to make the payment. We were under the impression that there was something wrong with the auto draft, so we continued to pay online. Never at any point did we get notification from LoanCare letting us know what was going on.
Product: Checking or savings account

On XXXX XX/XX/XXXX, I informed Wells Fargo to place a STOP PAYMENT of a check written in the amount of {$3600.00} to the United States Treasury ( i.e., IRS ). The STOP PAYMENT was placed. The {$3600.00} and the {$35.00} STOP PAYMENT fees were deducted from my Small Business account. During XX/XX/XXXX, IRS sent me a copy of the returned check due to the STOP PAYMENT as an unpaid bill due. Since {$3600.00} remained deducted from my Small Business account, I paid IRS that amount plus interest. After hearing from IRS, I notified Wells Fargo within XXXX business days during XX/XX/XXXX ; I notified Wells Fargo again during XX/XX/XXXX. Wells Fargo refuse to reimburse me, although the {$3600.00} was not paid to IRS and remained debited from my account. Wells Fargo claimed that too much time passed before I notified them about the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILED TO REMOVE 4 HARD  INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Genesis FS Indigo Card violated my rights. 15 U.S.C 1631 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my Chase Ink Unlimited Card ending in XXXX. I applied for the card under an offer that provided XXXX points after spending {$6000.00} within 90 days. After meeting the spending requirement, I received the XXXX points as promised. 

However, I later discovered that Chase was offering a concurrent promotion for the same card, which provided XXXX points for the identical spending requirement. Given the overlap in timing, I reached out to Chase to request that my account be adjusted to match the higher points offer, especially as I had already fulfilled the spending threshold. 

Unfortunately, despite my reasonable request, Chase declined to match the XXXX points offer. I believe this decision is unfair, as both offers were active during the same period, and I had already met the required spending terms. This experience has been frustrating and disappointing, and I feel that my request for the additional XXXX points was entirely reasonable. 

I respectfully ask the Consumer Financial Protection Bureau to review my case and assist in resolving this matter, as I believe Chase 's refusal to match the offer undermines fair business practices and customer satisfaction. 

Thank you for your attention to this issue. I look forward to your assistance in helping to resolve this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have XXXX XXXX  XXXX  anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX XXXX  XXXX. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX XXXX and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with Capital One Auto Finan. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Product: Credit reporting or other personal consumer reports

My date of birth is completely incorrect. its displays XX/XX/XXXX. 

My actual date of birth is XX/XX/XXXX. I need this corrected as soon as possible. 

name : XXXX XXXX XXXX : XXXX
Product: Debt collection

The statement Phoenix Recovery Group sent to me is not accurate. I leased an apartment at XXXX from XX/XX/XXXX - XX/XX/XXXX. This is stated clearly on the lease. There are charges on the statement provided from the dates of XXXX. The amount Phoenix Recovery Group is attempting to collect is not accurate and is being reporting this to XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I am a victim of identity theft. On XX/XX/XXXXI sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiry, addresses and employer.On the same date I also sent 3FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXXI received an Experian credit file. This credit file still shows 2fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX / # 2- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Tx XXXX XXXX ), 6 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX XXXX / # 2 XXXX XXXX XXXX XXXX XXXX / # 3 XXXX XXXX XXXX # XXXX / # 4 XXXX XXXX/XXXX XXXX # XXXX / # 5 XXXX XXXX XXXX # XXXX / # 6 XXXX XXXX XXXX XXXX XXXX ), 1 fraudulentinquiry ( XXXX XXXX - XX/XX/XXXX ) and 1 fraudulent employer ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Experian is in violation of the Fair Credit Reporting Act.
Product: Mortgage

In XXXX of XXXX myself and my husband filed a chap XXXX bankruptcy. We did not re-affirm the property. We continued to talk and work with Homeward Residential Financial in an effort to keep our home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX. The home was in re-modification. In the beginning of XXXX our note was sold to Ocwen Loan Servicing ( Ocwen ) and they refused to work with the re-modification contract in place and found multiple reasons to decline a new re-modification contract. The account was closed in XXXX of XXXX and the property was put up for auction. We moved from the premises and Ocwen took possession in XXXX of XXXX. The property did not sell at auction. Ocwen proceeded to put the home up for auction every 3-6 months consequently sending us certified letters and running an announcement in the local paper. They have also put the home up for sale stating that they have possession through securing a " deed in lei of For-closure ''. The fact is they have never filed ( stamped ) the deed for for-closure. They instead filed a pass-through deed. We have contacted them multiple times as has my attorney. They have kept us from purchasing a new home as our 3 year seasoning period will not start until the deed is stamped. We feel very victimized by the neglectful handling of our paperwork. We have been forced to spend XXXX dollars on rent instead of investing into a new property and beginning to rebuild our lives. We have also been ignored, patronized and lied to in the process by Ocwen and its representatives. We are looking for the deed to be stamped and dated correctly as of XXXX XXXX and retribution be paid of {$30000.00} for rent that has been paid. This money would have went to the property in question if they had honored any re-modification or to new property so that my family can regain a sense of stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my XXXX XXXX, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.
Product: Debt collection

Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, EQUIFAX 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 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. Accounts ever late, closed accounts and collections history is reporting in-accurate amongst the three credit burros. I'm inquiring removal of all late payments & collections / charge-off accounts purchased by another lender. Report Includes : 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 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 XXXXXXXX PLEASE REMOVE ALL ABOVE ACCOUNTS ON CREDIT CONSUMER REPORTS. Thank You!
Product: Credit reporting or other personal consumer reports

I did not apply to these companies below : Trans Union XXXX XXXX - XX/XX/XXXX & XX/XX/year> Personal statement is invalid
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of responsibility and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I looked on my credit report after I called CREDENCE RM to dispute any knowledge of this alleged debt and it is was on on my credit report which is a violation of 15 u.s.c 1692e ( 8 ) the failure to communicate that a disputed debt is disputed I also have signed a contract with them which is also a violation of 15 u.s.c 1692e ( 8 ) the false representation the use of any business company, or organization name other than the true name of the debt collector 's business, company, or organization.
Product: Debt collection

On XX/XX/2014 I went into the Emergency room. I was uninsured and when I received my bill it was {$420.00} and the other amount was written off as " Contract Adjustment Below is  the definition of Contract Adjustment. 

A Contractual Adjustment is a part of a patients bill that a doctor or hospital must write-off ( not charge for ) because of billing agreements with the insurance company. Adjustments, or write-offs, are the dollars that are adjusted off a patient account for any reason. The Contractual Adjustment is the most common type of adjustment. 

Now thud company Debt Recovery Solutions , LLC is trying to collect on the Contract Adjustment. This is the second company that has tried this they even dinged my credit but XXXX XXXX took my side on the dispute and removed it from my credit report. 

The company has even sent me proof that there is a XXXX Balance but claim they want they want me to pay the Contractual Adjustment amount. I have sent then proof from the Hospital but they refuse to stop collection.
Product: Credit reporting or other personal consumer reports

I am writing to contest the accuracy of certain information reflected in my credit report. After careful review, I have identified accounts linked to identity theft, as confirmed by the respective banks involved. They have assured me of their commitment to remove these accounts, as indicated during our phone conversations : XXXX XXXX XXXX XXXX XXXX XXXX 

I kindly request the immediate deletion of the mentioned accounts from my credit report, in adherence to legal requirements. Furthermore, I urge you to hold the responsible banks accountable for their agreement to remove these entries.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Hyundai Lease Title company before the lease expired at the end of XXXX ( attached bill of sale ). I paid them {$27000.00} for the total purchase. That amount paid included {$1600.00} which I paid them up front to pay the state of Ohio. When the title was mailed to me, I was never sent a check for the sales tax {$1600.00} to pay the state of Ohio. Kia/Hyundai kept that money for profit, even though it's in the bill of sale listed as sales tax. 

They mailed me a letter ( attached ) which stated to call them if I didn't receive the check addressed to the County Clerk of Courts. I called them 3 times and they said they would process a check, but never have and they don't plan to. I can not transfer the title to myself until I pay the XXXX XXXX title company sales tax money, which Kia is keeping. I'm sure I'm not the only one Kia/Hyundai is taking advantage of by claiming they need sales tax for a sale which in fact is just a fake line item for their own profit. 

Please advise how I can get your help getting this money from Kia/Hyundai so I can transfer the title. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX XXXX Past Due Amount : {$950.00}
Product: Credit card

The Credit Card XXXX is : Destiny Address : XXXX XXXX XXXX XXXX Oregon XXXX The website is : Destinycard.com Customer Service Number : XXXX XXXX Case Number - XXXX Since inception of this account the companies website has never worked and I have spent hours with tech support trying to troubleshoot. The companies tech support team gave up. I am unable to access my account online. Never have been able to. The company also does not send any statements or invoices to the address on file. I am forced to call in each month to make my payment, I am XXXX and so I am careful not to use this card and when I do, I track it closely. I knew I had a XXXX ballance on this card as of XX/XX/XXXXXXXX 

Ledger - According to the operator at Destiny ( Employee # XXXX ) Paid full balance on XX/XX/XXXX - Paid {$220.00} Account balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Monthly fee was added XX/XX/XXXX {$3.00} Annual Charge was added XX/XX/XXXX {$99.00} No " Statement '', No " Invoice '', No " Notice '', No " Communication '' was sent nor received from Destiny to Cardholder. Cardholder has reported un-communicated fees, un-invoiced charges, and no statement to consumer on consumers credit as derogatory and refuses to fix the mistake. 

XXXX XXXX - XXXX XXXX contact - XXXX ( Unit Manager ) When I asked XXXX " Please tell me the date the statement was sent every month. '' She assures me the XXXX. " This will be trackable by USPS right, you agree. '' and XXXX replied yes. I have have the logs for USPS because they scan the mail and email us daily. No statements have ever been received. This is also heavily noted in the account through ongoing calls to customer support over the years this account has been open. 

This account was opened on XX/XX/XXXX. No statements have ever been received by mail and the online system has never worked properly. Multiple complaints are on file with the company on recorded lines. 

I asked the operator " Do you see in the notes online that I have not been able to login. '' XXXX responds " XX/XX/XXXX XXXX XXXX XXXX  '' operator advises that I said I could login and I wanted paperless. This is perjury. Operator was XXXX. 

Call is being recorded. Manager ( XXXX ) XXXX Introduced herself as a manger and now says actually title is account manager. 

I am XXXX and requested " reasonable accommodation '' under the Americans with Disabilities Act and this request was ignored and denied. The company is required to respond to this request under ADA Federal Law in writing. 

To be clear, the credit card company has filed on my credit report for charges they never billed, invoiced, noticed, lawfully or legally in commerce. I had no " Notice ''.
Product: Debt collection

On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.
Product: Debt collection

XXXX XXXX XXXX x2, XXXX XXXX c/o XXXX x1,  XXXX XXXX XXXX x2 are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now XXXX has put an additional GE capital retail bank with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.