23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After my conversation with the service of the company, they inform that they changed the card, and it will be sent since XX/XX/2024, but at this moment it hasn't arrived. I was out of my country and couldn't used it.
Product: Credit card or prepaid card

XXXX closed all XXXX of my credit cards ( XXXX personal cards AND XXXX for my small business ). The closure notice cited too many credit inquiries, despite my card account having been successfully opened over a month ago. I had XXXX inquiries on the cited report on XXXX XXXX, XXXX, and XXXX alone were XXXX! If inquiries were the real reason, they would have denied my last card on the XXXX/XXXX/XXXX! 

I think XXXX closed my accounts because I overpaid my credit card balance by ~ {$500.00}. I did n't know at the time but read later that overpaying your balance upsets them! 

Crazy how they my perfect record of making exact payments to XXXX is overlooked, by paying extra! 

I have done nothing wrong and this irrational action by XXXX will adversely affect my credit score and report. I am really disappointed in XXXX 's actions as a bank, as I was previously a satisfied customer and always recommended them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 36 months I've requested the update and or removal of the inaccurate information of the account with Westlake Financial in California. I have a certified letter from them stating that my account has been paid in full. When I dispute the inaccurate information showing charge off on my credit file with XXXX, XXXX and XXXX there has not been any change. My concern is that my interest rate and the ability to buy a new car has been impacted due to this company 's inaccurate reporting on my personal and private credit profile with all three major credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against [ FCO ] regarding the inaccurate reporting of my account ( # XXXX ) to the credit bureaus. 

Summary of the Issue : I entered into a documented settlement agreement stating I had until XX/XX/XXXX, to settle my balance, either through scheduled payments or a lump-sum payment if payments were missed. 
Over the phone, I was explicitly told that if I missed any installment payments, I would still have until XX/XX/XXXX, to settle the full balance without it being reported to the credit bureaus. 
Despite this agreement, my account was reported to the credit bureaus on XX/XX/XXXX, after the first missed payment on XX/XX/XXXX. 
The agreement clearly outlines three scheduled payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and does not state that missing one payment would trigger immediate credit bureau reporting. 
On XX/XX/XXXX, I spoke to an FCO representative who confirmed that : There is no clause in the settlement agreement stating that missing one payment would result in immediate credit bureau reporting. 
The representative also acknowledged that I was verbally told I had until XX/XX/XXXX, to fulfill the agreement. 
Additionally, the reported balance of {$1300.00} does not align with the agreed settlement amount of {$1200.00}, as documented in our agreement. 
Key Violation Highlighted : The settlement agreement does not include a clause that authorizes immediate credit bureau reporting upon a missed payment. 
The verbal agreement reinforced my understanding that I had until XX/XX/XXXX, to fulfill my obligations. 
The premature reporting and incorrect balance violate the terms of the agreement. 
Requested Resolution : I am requesting the immediate removal of this account from my credit report to reflect the terms of our documented agreement. 

Supporting Documentation : Settlement Agreement Payment Schedule Breakdown Relevant Communication Records This situation has caused undue harm to my credit standing, and I am seeking a swift resolution. 

Thank you for your attention to this matter. Please keep me informed of the progress of my complaint.
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 NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

For the XXXX I have been trying to remove the following there accounts from my Credit history.Ihave not been able to remove then detrimental to me and my family. 

Below are the account. 

XXXX XXXX XXXX. Account XXXX Delete for inaccuracy the payment history reflects continued reporting after this account was closed on XXXXRemove for Violation XXXX Account XXXX Delete for inaccuracy the payment histry reflects continued reporting after this account was closed XX/XX/year>. Remove for violation. 

XXXX of XXXX XXXX. XXXX Delete for inaccuracy reflects continued reporting after this account was closed on XXXXRemove for violation.
Product: Credit card or prepaid card

i had a Cash App card had XXXX deposited someone tried taking out XXXX i was not aware of. Cash app locked my account on XX/XX/XXXX. i closed or old card got a new one they said everything would carry over, it did not happen. I after month and a half after sending at least 75 E-MAILS because they have no phone support a XXXX said they are working on it and four days ago a XXXX at cash app asked for all my info to merge accounts now they are not responding to me at all. i had to goto XXXX too get an actual response. i am in such a mess because of then holding my money what it seems like HOSTAGE and i see I'm not the only one. PLEASE HELP ME
Product: Credit card

I applied for the Citi double cashe credit card earlier this month because I saw a 0 % interest balance transfer offer. I had never used a balance transfer before but I wanted to consolidate my debt ( that I had accumulated from a vacation in XX/XX/year>XXXX  ). I got an inital credit limit of XXXX. I thought it was a bit low but since it said " initial '' I thought it was because I needed to activate the card. I got the card in the mail and I activated it, tried to do an online credit line increase and was told I had to call in. I called in and was told that my credit line increase was rejected and I had to wait for the report ( I know my report is going to say I have outstanding debt ). Prior to all of this my credit score has been consistently in the XXXX. If I knew that my credit line was so low I would have never applied to this card. Without this credit line increase, the card is unusable for its intended purpose.
Product: Vehicle loan or lease

I paid off my RV loan with Bank of the West early, on XX/XX/2020 via electronic delivery through XXXX  XXXX XXXX. The funds were received by Bank of the West on XX/XX/XXXX. 

Bank of the West did not process the payment against the loan until XX/XX/2020. At that time, they promised to send the title within 10 business days. As of XX/XX/2020 I have still not received the title. 

I have placed 4 calls to Bank of the West customer service regarding this issue and each time, after a minimum of 50 minutes on hold, I am given a verbal shoulder shrug and told that my paperwork is " in process ''. 

They've had my money for 45 days and I still don't have my title. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit card or prepaid card

I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

XXXX states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Product: Mortgage

WE WERE WORKING WITH THE LENDER TO DO A LOAN MODIFICATION - SENDING DOCS BACK AND FORTH - WE HIRED SOMEONE TO OVERSEE THE PROCESS - AN INDEPENDANT INDIVIDUAL NOT A LAWYER AND HE FAILED US - DURING THE LOAN MOD PROCESS, WE HAD JUST SENT THEM DOCS THEY REQUESTED - THE NEXT THING WE KNEW THE HOUSE HAD A FORECLOSURE NOTICE ON IT. I WAS IN MEDICAL SCHOOL AT THE TIME AND HAD NO TIME OR RESOURCES TO DEAL WITH THIS, BUT I DO NOW THAT I KNOW YOUR ORGANIZATION EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report fraudulent inquiries that I did not authorize or give consent for. I am a victim of identity theft and these fraudulent inquiries need to be removed immediately. I have already submitted an identity theft affidavit to support my claim. XXXX XXXX XXXX, XXXX XXXX, need to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$540.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Debt collection

I received an alert from credit monitoring service that a collection account for XXXX XXXX XXXX was added to my credit report. According to 15 USC 1692 ( c ) a debt collector can not communicate with the consumer via credit reporting agency, or with any person other than the consumer, etc without the consumer consent. I didn't consent to any communication nor is this debt validated.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX I have had several discussion with Wells Fargo bank, about the fact the my balance owe on my payment is Incorrect. They informed me that this problem would be corrected, but I am looking at my statement, and nothing has been done to make correct the problem. They have my Principal balance payment at {$88.00}, and my finance charges at {$300.00}, How can this be possible when I have making these payment since XXXX of XXXX. My interest rate at the time was XXXX, and my credit has always been around XXXX XXXX. I have had outstanding credit over the years. Last year I contacted Wels Fargo bank and ask them to refinance my account when the interest rate were much lower, and they refuse my request. I know fact over the years Wells Fargo bank has discriminate against XXXX customers, and They have had to paid fines for this discrimination. Now I know why Wells Fargo Bank is not a reliable institution in this country. They have not be trusted to execute a fair, and balance situation when it comes to the minority communities in America. I was self assurance by a Well Fargo Executive that I would have my account fix to reflect my service with Wells Fargo Bank over the years, but that process has " NOT '' happen. My statement should have been changed immediately. My balance owe should be more then half of what is stated in my Wells Fargo Bank document. I started out owing only {$56000.00} in XXXX, and I am more then half way done paying my loan, so, my balance owe should be around {$30000.00} which include interest. Not {$40000.00}. Please make the proper correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a monthly charge from Experian/FreeCreditReport in the amount of {$26.00}. My membership number is XXXX.

I no longer wish to have the monitoring service and have been attempting to cancel the service. When I call Experian, and select the Option to " cancel '', I receive a message that I have NO membership and phone call is disconnected.

I have also tried to cancel " online '', but receive no response to the dropbox selection of " cancel membership ''.

Appreciate any assistance, Thank you, XXXX XXXX
Product: Checking or savings account

I was involved in a scam with my XXXX, transaction with Bank of America. An impostor from Bank of America called me and I interpret them to being real. I ended up transferring funds to reverse the transaction, but I ended up sending it to a scammer. Bank of America researched my claim and they rejected and didnt approve my claim. They told me that they couldnt recover the funds. This was a scam so they are responsible or the other party is responsible returning my funds. I contacted Bank of America and told him to reopen my claim, and to recover these funds.
Product: Vehicle loan or lease

Our family has been LOYAL NISSAN CUSTOMERS since XXXX. 
We are disappointed that we have not heard from, nor been contacted in any way by NISSAN since we returned the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. 

Upon returning the vehicle, the dealer commented on the vehicle being returned in excellent condition ; which it had never been in an accident and with just under XXXX miles less than stipulated on the contract. We were told that all has been taken care of by XXXX XXXX XXXX and we have nothing further to worry about. We asked to have a receipt or a terminated lease agreement to take with us, but were denied such. We TRUST NISSAN even though it seemed very strange and unprofessional for us to walk away without any written document of us returning the vehicle. 

Recently, we received in the mail a notice from XXXX XXXX XXXX XXXX debt collector requesting to collect a debt owed to Nissan Motor Acceptance Company, LLC. 

We spoke with XXXX XXXX XXXX XXXX by phone BUT were told to contact NISSAN for any detailed information because they do not. 

WHY ARE WE BEING ASKED TO PAY THE SUM OF {$1000.00} AFTER ALMOST 2 MONTHS??? 

This letter will also be forwarded to the Nissan Finance department. 

I trust you will look into this matter ASAP, making sure to settle this case immediately as best as possible. 
THANK YOU.
Product: Mortgage

I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments missed would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to a short sale or a deed-in-lieu of foreclosure. I am not going to agree with either one of those options. If I wanted to lose my home I wouldn't have even bothered with applying for the mortgage forebearance program in the first place. What kind of scam is this? I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. 

I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Mr. Cooper Loan # XXXX XXXX
Product: Credit card

On Saturday, XX/XX/year>, via online chat with Citi, I requested that Citi stop trying to withdraw a payment of {$420.00} from my credit union. Previously they had attempted one such withdrawal, which failed, and then they charged me a {$30.00} fee. Then they made a second attempt. I requested that they stop and they refused. I asked if it was Citi 's intent to assess me 3 x {$30.00} = {$90.00} in fees. The question was left unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING : XXXXXXXX XXXX for an alleged balance of XXXX ( or approximately ) This merchant has promised to investigate and correct this incorrect reporting. 

I provided my account information details along with the {$0.00} balance as well as having made a phone call and speaking to representatives by phone and then providing this information to Experian Credit services as well as XXXX and XXXX. Experian sent me a generic response and ignored the information I provided to show that a late/Delinquent amount of {$28.00} was being reported increasingly late with each passing month. Experian disregarded the information I provided in favor of this merchant despite having been provided actual documents contradicting the incorrect reporting. No such investigation was performed where someone actually took the time to look at the ancillary information in order to perform an actual investigation as promised and as promised by law. Simply, a effortless response was generated by someone who didn't care and only cared about making their job as easy and painless as possible while I was deprived of my rights under this instance. Consequently, my credit score has been impacted after a long time showing and reflecting a good responsible payment history. At minimum, the benefit of the doubt where provided should have been in my favor but yet was given to a corporation which suffers no loss in this case and is entirely unaffected. Over the past few years, these Credit Reporting Bureaus have lost credibility due to this very behavior and have promised publicly to improve but as observed here- makes no effort whatsoever. I am requesting action against this credit bureau and respectfully requesting compensation for this negligence. I am also considering legal action apart from this complaint. Thank you in advance.