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

My account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

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. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting

I had  XXXX  different lenders access my Experian credit report. There is incorrect informatio n (  year of birth, liens that do n't reflect that they are paid, only a few of my open accounts listed ). I pulled my report from experian.com on  XXXX / XXXX /  XXXX   and saw this for myself, so I contacted Experian. Wh en THEY p ull my report, they say that none of that incorrect information shows up on their end. They then sent me a copy of that report by mail, which also does n't show the information the lenders and I had accessed earlier. I corrected some information on this " current '' report, and was told to wait a few days and re-access it online. I pulled it again on  XXXX / XXXX /  XXXX   and all seemed to be fixed. However, another lender pulled my report around  XXXX / XXXX /  XXXX  , and they again saw the " incorrect report ''. I believe somehow that I have  XXXX  different credit reports, but no one at Experian can " see it '' to help me fix the information on the incorrect one.
Product: Money transfer, virtual currency, or money service

I made a money transfer from through my Citibank in the amount of {$10000.00} which was to be applied to my father 's mortgage with XXXX XXXX XXXX via XXXX XXXX XXXX. While doing the transaction online I didn't know what account number should be listed as the " Beneficiary Account '' number so I called Citibank and they told me my stepfathers loan number should be listed. The transaction was done on XX/XX/XXXX. In XX/XX/XXXX I went to pay the mortgage and realized XXXX didn't receive the money for the mortgage. Since then I've been trying to get Citibank to modify the transfer with the correct " Beneficiary Account '' number with no success. I've tried to have them recall/cancel the transaction with no success. I've called and spoke to managers and the last manager told me they've been sending federal wire messages to XXXX XXXX and they are not responding. I had my lawyer send Citibank as well as XXXX XXXX letters and still nothing. The last time I spoke with a manager at Citibank they told me if XXXX XXXX does not return the money then we will not get the money back. This is really unacceptable. My stepfather is on the verge of losing his house to foreclosure because of this and neither Citibank nor XXXX XXXX or XXXX will do anything to help. XXXX told me they can not do anything because the issue is on Citibank not on their side. XXXX XXXX told me they can't speak to me because I don't have an account with them. I need to get this money back sooner than later to save my stepfathers house. Any help would be greatly appreciated. I can be contacted at XXXX for additional details. Thanks!
Product: Checking or savings account

I applied for a Citi checking account in late XX/XX/XXXX. I applied under a bonus ( promo code XXXX ) that was being run for 30,000 XXXX XXXX miles if specific actions were fulfilled. I have used the secure chat function with Citi multiple times and been given answers which were never fulfilled. I will document those answers below and have screenshots of the conversations if ever needed. 

On XXXX, Citi chat representative XXXX informed me that I correctly signed up for the bonus promo code XXXX and ensured I understood the required actions. 

On XX/XX/XXXX, Citi chat representative XXXX confirmed that I had completed all actions as of XX/XX/XXXX and would receive my 30,000 bonus miles on or before XX/XX/XXXX. 

On XXXX, Citi chat representative XXXX again confirmed that I had completed the required actions and should have received the bonus. He opened case # XXXX to be reviewed by a Citi team so that my bonus would be paid. He stated I would receive an emailed response in 1-2 business days which never came. 

On XXXX, Citi chat representative XXXX checked on my case # for an update. She asked me to recheck as she believed the miles would have been input ( but they haven't ). She refused to provide a timeline as to when to expect resolution and stated that the 1-2 days would be after the team was able to investigate the issue. I informed her I would wait another week until filing a CFPB complaint if I didn't hear any response from Citi. 

This complaint is being filed on XXXX which is one month after I was told the bonus miles would be given to me. I have reached out over and over, but Citi has yet to ever contact me in response to the account or specific case #. Citi has not fulfilled their obligations as promoted in promo code XXXX.
Product: Checking or savings account

I opened a new checking account with Huntington Bank, and attempted to opt-out of arbitration per page 21 of their Consumer Deposit Account Agreement. This requires sending a written Arbitration Rejection Notice within 30 days via certified mail ( return receipt requested ) containing my name, my address, my account number, my intention to reject arbitration, and my signature. In their agreement, Huntington states they will credit the account " for the standard cost of mailing a certified letter. '' I sent this written Arbitration Rejection Notice on XX/XX/XXXX at a cost of {$8.00}, and received confirmation that it had been delivered to Huntington on XX/XX/XXXX. After receiving no acknowledgement or credit to my account, I contacted Huntington via phone on XX/XX/XXXX. Huntington 's representatives assured me they would look into the matter and contact me again. 

After receiving no contact, I called again on XX/XX/XXXX. I was escalated to a customer supervisor who looked into the matter while I waited, and assured me that she had spoken with the Deposit Account Arbitration department and that my account would be credited in the amount of {$8.00}. 

It is now XX/XX/XXXX. It has been 59 days and I still have received neither confirmation that my account is opted out of arbitration nor a credit for the certified letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information multiple times. I want this removed immediately. Pursuant to 15 usc 1681i ( A ) the federal law says when an investigation is going this account should have been removed and it never was. Also according to 15 usc 1681 ( a ) ( e ) investigate consumer report says should be personal interviews done and I have not received any of that information. They didnt do that.
Product: Mortgage

I have a forced escrow account with a Shellpoint Mortgage servicer. They take monies out to pay taxes & insurance, they decided to collect monies but not pay for the insurance. On XX/XX/2021 they failed to pay for the insurance ( even though they were withholding monies ) The policy was canceled ( I could have lost my home! ) I renewed the policy by paying it in full ( policy # XXXX ) I paid the policy in full for the entire year! I forwarded a copy of the policy to Shellpoint. They told me that they going to buy a policy for {$160.00} per month for a policy with much less coverage. I informed them that I have a fully paid policy. 
I have copies of the letter demanding for the servicer to pay the monies that they were withholding! They refused and made no payment at all. This action or lack of action forced XXXX XXXX XXXX to terminate the insurance. 
This is when I purchased a new policy and paid it in its entirety its amount is {$600.00}. They have been withholding money even though they know that there is an existing policy! 
I am demanding that they return all of the forced money that they are pocketing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX account 
Address , name , account isnt mine hasnt been properly verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports in 2020 and noticed there were a few accounts listed that I did not open and or authorize. I completed an identity theft affidavit along with a police report as instructed, all of the fraudulent accounts besides a credit card from XXXX XXXX XXXX were removed. I contacted XXXX XXXX XXXX over 6 times, sent a mailed copy of the ID theft affidavit, police report, and disputed this account with the XXXX major credit bureaus numerous times, not to mention called and supplied information with the reply that I would get an update, return call or correspondence, which was a lie. This company has delayed responses and resolution to removing this account that I have stated was fraudulent opened using my personal information. The address linked to this account is also fraudulent as I have never lived at the address. I have also submitted these documents and request to all three creidt major credit bureaus. XXXX was the only bureau to comply. XXXX verified the fraud account, which doesnt make any sense and Transunion did not respond. I have been dealing with this issue for over a year.
Product: Vehicle loan or lease

I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone.
Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant.
I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said.
Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider.
On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care.
As I know they run my credit asking to 4 banks.
If you need anything from me please let me know.
Product: Money transfer, virtual currency, or money service

I am filings complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutin requirements under the Eletronic Fund Transfer Act ( EFTA ) And Regulation E. These action have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted online disputes about items on my credit report that are the result of incorrect information. But TransUnion has not responded to my request. These items should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an alleged debt from XXXX XXXX XXXX XXXX. This account was opened XX/XX/2018. The Amount is XXXX. They are reporting it as a Chargeoff/collection. I've tried to get this removed for almost a year now. Everytime it comes back as validated. But how can they validate without interviewing ; friends, family, & neighbors. Experian is reporting this negative account to my consumer report. which is hurting my reputation. I have not been able to get a car since this was reported. I just tried to get a car with XXXX and was denied because they said i had a car reporting negatively to my consumer report. I am speaking with XXXX XXXX XXXX XXXX XXXX  - he told me that they regulate under the FCRA. which is correct. 15 usc 1681b2 permissible - states a consumer reporting agency has to have written consent from a consumer to report anything to a consumer report. He told me they were in compliance with permissible purpose because XXXX XXXX XXXX provided them with the information. I went on to ask him if they were regulated by the CFPB and he would not tell me. He kept saying they regulate under the FCRA. He then proceeded to put me on hold on leave me here without complying to my demands of removing this account from my consumer report.
Product: Credit reporting or other personal consumer reports

On credit report us dept of education Has 2 accounts open for XXXX XXXX XXXX XXXX XXXX Stating account was opened in 2018. Which i didnt open a loan from the said creditor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ). TRANSUNION, XXXX, AND XXXX ARE REPORTING INACCURATE INFORMATION!!!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXXXXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to request an urgent investigation into multiple companies listed on my XXXX credit report, which appear to be engaging in fraudulent practices. Specifically, these companies have reported accounts as charged off as bad debt on my credit report but have failed to issue IRS Form 1099-C for the canceled debt, as required under federal law for debts exceeding {$600.00}. Additionally, these actions may constitute violations of 15 U.S.C. 1692g, and 18 U.S.C. 1028A. 

The companies in question, as listed on my XXXX credit report, include but are not limited to : XXXX XXXX XXXX Loan MoneyLion Key Issues : Failure to Issue IRS Form 1099-C : These companies have written off debts as charged off or as profit and loss write-offs in their books but have not issued 1099-C forms to me, nor reported these cancellations to the IRS. This failure to meet federal reporting obligations creates a misleading representation of their financial activities and raises concerns of potential tax fraud. 

Violations of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper validation of debts. These companies have failed to provide the required validation and verification of the debts they report. Their lack of compliance leaves me with unverifiable and likely inaccurate accounts on my credit report. 

Potential Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Reporting inaccurate or fraudulent information and failing to issue proper documentation, such as 1099-C forms, undermines my ability to verify these debts. This could be construed as an abuse of personal information or even identity theft under federal law. Their actions have inflicted harm on my financial standing and exposed me to potential legal and tax consequences. 

I have also filed IRS Form 3949-A to report these companies for suspected tax fraud and abuse related to their failure to issue 1099-C forms for canceled debts. However, I believe the CFPBs intervention is necessary to address their broader practices of noncompliance and potential fraud. 

Requested Actions : Investigate these companies failure to comply with the requirements of 15 U.S.C. 1692g and other federal laws, including their obligations under the Fair Credit Reporting Act ( FCRA ). 
Investigate the potential tax fraud stemming from their failure to issue IRS Form 1099-C for debts they have canceled.

Hold these companies accountable for the harm caused to consumers and take appropriate enforcement actions. 
I have attached a copy of my XXXX credit report and additional documentation for your review. I am available to provide further details or evidence as needed. 

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to protect consumers and ensure these companies comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY SENT LETTERS OVER 60 DAYS AGO TO THIS BUREAU AND THEY ARE DISREGARDING A REGULAR CONSUMER DISPUTES. I'M STRESSED AND HAVE BEEN SENDING LETTERS BEFORE THIS AND STILL NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ****, XXXX XXXX XXXX ****, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX have 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.
Product: Mortgage

On XX/XX/2023 we applied for a line of credit with a mortgage broker who sent our loan request to XXXX, XXXX for funding the loan. On XX/XX/XXXX we received an email indicating they indicated everything is looking good and they would send out the disclosures that same day. On XX/XX/XXXX we received an email saying that underwriting is finishing up with our file and should have the disclosures to us that day. This went on for months then we finally got the disclosures on XX/XX/XXXX, at that time the interest rate was 15.667 %. We signed the documents immediately and sent the forms back. Since that time they have run our credit reports several times, they have asked for documents to be resent, each time they have said they have everything they need and it was due to be funded. This has been going on for close to 5 months, they have sent us two sets of disclosures the last one sent in XXXX with a new monthly amount and interest rate of 16.75 % and the monthly amount increased by XXXX per month. We have been told now for two weeks it is in underwriting and the funding would be done the following day, for over two weeks, only to be told they need more information or it is still being reviewed. In addition our property value is at least XXXX to XXXX XXXX, based on comps in the area and our next door neighbor who had his property appraised at XXXX XXXX, and his home is smaller than ours. They used XXXX as the valuation, made us pay the XXXX and do an in home inspection, which was contrary to their website indicating unless the loan was over XXXX that XXXX drive by appraisal would be done. We recently remodeled the home and were getting the funding to consolidate our debt and put a new roof on the home. We are out over XXXX in appraisal fees and other fees