23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I was notified via text that funds were declined on a withdraw attempt from Village Capital earlier in the month. The payment representative stated that the status of my account was changed because of this to only receive certified funds via physical mailing. I asked what type of funds this included and he said money order or cashiers check. I then asked if there was a grace period or deferral/ forbearance option I could discuss since I was just being notified the last day of the month and Funds would not arrive until after XXXX  days late. He stated that Village Capital has no options like that and that this would reflect on my credit report. He stated that it was unfortunate that there is nothing he can do, but that I would have to send certified funds for 6 months before online payments will be reinstated. After sending the Funds this monday when the post office opened, I found that Village Capital does have grace period and payment deferral options. The XXXX factors of not knowing that funds were declined/returned and then being misinformed about my options with the mortgage company has now caused a XXXX  day late payment to appear on my credit report, significantly affecting my credit. After calling the bank monday, another representative stated that it was unfortunate that this happened but that there was nothing they can do. And that the credit impact is irreversible as well as the status of my account requiring certified funds to be sent through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts :XX/XX/XXXX -- XXXX premier -- XXXX. 
XX/XX/XXXX -- XXXXXX/XX/XXXX -- XXXX bank -- XXXX/ Today card -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
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. 

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 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: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the unauthorized items from my consumer report These items are not transactions conducted by me as a consumer. 

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 XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : Account name : Account name : Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with Equifax and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.
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 ( Transunion ) 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 XXXXXX/XX/XXXX I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Student Aid U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my race, age and sex. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.
Product: Bank account or service

Multiple unauthorized transactions over the Internet withdrew all my money from my Bluebird AMEX account on the same day my direct deposit from work went in my account. The transactions were from XXXX countries and I discovered them on the same day that they occurred and notified my bank while all of them were still on " hold ''. The bank said no action could be taken till the transactions were processed and now that XXXX of them Total ( {$990.00} ) have gone thru and the bank still has not updated me on when I will get my money back. Meanwhile there are at least XXXX more pending transactions putting my account in as overdrawn by $ XXXX and I have no money to live on.
Product: Checking or savings account

On XX/XX/21, I opened a CitiBusiness Streamlined Checking account with the friendly assistance of XXXX XXXX  XXXX at the branch location specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX provided me with a brochure/ flyer ( please see attached ) specifying the terms of the Tiered bonus promotion. I opted to become eligible for the {$1000.00} bonus promotion by depositing a minimum deposit level of {$50000.00} and maintaining this level for 60 consecutive days. I deposited {$50000.00} and it posted onto my account on XX/XX/21 and I maintained this amount until XX/XX/21. 

The terms of the promotion state : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' According to the terms, I should have received my bonus promotion of {$1000.00} on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I received request from Diversified that they were trying to collect this debt that is not mine. I mailed them a certified letter that was signed for requesting them to verify this debt with proof of application, signature on application, all accounting information of this debt. This was signed for by someone in there office as I have the receipt. They did not send me proof of validation of this debt and this was previously deleted from my credit by a different agency as they seen this was not my account. Now today I see this has been added to my credit report! this is violated my FCRA rights and I need answers!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat
a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I got some money credited to my account and it was took and they didnt do a clear investigation it to them less then 3 hours to denial it.
Product: Bank account or service

On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.
Product: Mortgage

Dear CFPB member, I been impacted with covid -19 and I need 3 months more months to restart my mortgage payment, I have no intention of losing home to forclosure.. My mortgage company PHH serviced through XXXX XXXX  phone # XXXX XXXX XXXX has not reached to me to make a resolution to assist me - I have left messages for my account manager in PHH, instead of calling me, i received importance notice forclosure which is attached with my information and they assigned to a forclosure attorney XXXX XXXX XXXX XXXX XXXX without assisting me.
Product: Debt collection

I had visited a local ER ( emergency room ) for treatment in late XX/XX/2019. Part of the total bill during that visit was to be paid to the provider who treated me. That provider is represented by XX/XX/XXXX XXXX XXXX, XXXX. The total amount to be collected was {$640.00}. 

Initially, there was no diagnostic code on the bill, to which I contacted the company 2 times in order to get that CPT code. The code was then emailed to me, but never put on the bill. Initially, when I called the first time, the company ( XX/XX/XXXX XXXX XXXX XXXX ) said that they were not allowed to give me the diagnosis code and that in order to get that code, I had to call the hospital to get that information because they were not allowed to give it to me. In essence, they wanted me to pay for something for which no service code was on the bill. 

After I paid {$50.00} to the bill, I received a statement on XX/XX/19, which reflected the new amount of {$590.00}. After 1 month passed, I then received a collection notice by I.C. System saying that I had the {$590.00} balance owed and that I needed to contact them in order to pay my bill. I was confused because I had just recently paid XXXX   XX/XX/XXXX XXXX XXXX XXXX a total of {$50.00} in XXXX, and just a little over a month later, now my account was suddenly put into collections. It didn't make sense. 

I called I.C. system, and paid another {$50.00} on the account, making the new balance {$540.00}. However, after I made that payment, I.C. system did not send me a new statement or even an electronic receipt of the payment I had made. It all seems very shady and I'm worried that this just a scam to be honest.
Product: Credit card or prepaid card

Hello!, I have been charged by merchant XXXX on my Citi card on XX/XX/XXXX. I didn't authorize those charges. When I came to know about the charges, I called XXXX and asked them to reverse the charges. They didn't do it and said these sales are final. Then I contacted Citi in XX/XX/XXXX of this year for these charges. After a few days, They closed the case. I have contacted them several times and every time I call Citi I talk to them for a couple of hours and they tell me that they will call me back or transfer me to the irrelevant department. Sometimes they hang up the phone. Like they did today. The charges were for {$200.00} and that is XXXX times, that makes it {$400.00}. It is extremely difficult after XXXX months to get my money back.

I need your help in sorting this matter urgently.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.
Product: Credit card or prepaid card

This will be the 3rd time I have filed a complaint for the same thing I got the same response both times and both times I have tried to contact Cash App and was told the same thing nobody knows what it is I need to verify with them The 1 st complaint number is XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I didn't make the atm transactions nor did I allow anyone to make them this has been going on for over a year XX/XX/XXXX XXXX transaction were made at a atm 2 of them are for {$500.00} and one was for {$500.00} both of the {$500.00} atm transaction were completed the 1 for {$500.00} was declined I have filed disputes over and over with Cash App with no luck Both times its been the same response. They keep saying that they can't verify that I am the account owner I have called over and over and YES MY ACCOUNT IS VERIFIED!!!!!! When calling Cash App you CAN'T talk to a manager they say they will be in contact with an email that you don't ever get The agents on the phone will just hang up on you because they don't know what to do PLEASE CAN YOU HELP ME GET MY MONEY THAT WAS TAKEN FROM MY ACCOUNT {$1000.00} I again just now tried to contact support I told the rep what the response letter said and I was told that my claims were sent the SPECIAL RESOLUTION TEAM This is the Cash app dispute number XXXX the name that is on the email I got XXXX XXXX Here is one of the other dispute number XXXX the name on this one is XXXX support manager Please help me get my money back and or help me take my complaint someone that can help me $ XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit card

I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.