23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Product: Debt collection

XXXX has removed the trade lines due to identity theft. This company continues to report it to my credit reports even though they have been notified more than once it should be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling if 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a car loan with XXXX XXXX I was denied, XXXX XXXX said that they verified information with Lexis Nexis and XXXX. Both companies clearly has no information on me to make this inaccurate claims. I would like to know where, who, and how does XXXX, XXXX XXXX, XXXX  verify there information if LEXIS NEXIS has no record that pretends to me.
Product: Credit card or prepaid card

I tried adding my card to XXXX XXXX  on XX/XX/2018. I got a message to call for verification. 
I called in, provided all the information I was asked to provide. 
Agent asked me for a home landline to verify my ID. I dont have a landline home number and didnt provide one when I applied for the card. I was told they cant use my cell number to verify. 
The other option was to verify using another card I have with Citibank. I dont have any other cards with Citibank! 
So now Im locked out of my account and the only two options I am given are either to get a landline phone number registered to my name or have another card with Citibank. 
Who thinks up these asinine rules? Landlines in 2018?! 
I just want to be able to use the card I applied for and was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 XXXX XXXX XXXX account which I paid on XX/XX/XXXX. I have disputed the account more than 7 times. Each month they tell me to dispute it again without a resolve. I have uploaded the " Paid in Full '' letters 4 times. I called the Credit Union and they said that they fixed it on their end. The accounts do not appear on XXXX  nor XXXX  so Experian is the only company that is not doing their due diligence. According to the Fair Credit Act of 1971 they had 30 days change the information. One of the accounts is still showing a balance of {$610.00}. They have the information but they have left me on hold for three and half hours at one time and another time for an hour and half, before I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection on my account from XXXX XXXX XXXX for an account with XXXX XXXX XXXX XXXXXXXX XXXX. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both Experian and XXXX who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither XXXX nor Experian can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.
Product: Mortgage

Something does not seem right with the amount I paid for my home the loan amount vs the selling price. I was billed around XXXX XXXX, 2012 for my home but I checked XXXX to see what houses are selling for in my area an it said my house last sold for {$190000.00}. I feel the realtor fudge the numbers ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

This process is a result of a Joint Credit Pull for a house and we found out about this ... .On XX/XX/XXXX, I, XXXX ( XXXX ) XXXX , started a validation process with SEARS/CBNA in reference to account # XXXX and sent them a Certified Letter asking for validation of debt within 30 days ( Exhibit A ). I didnt receive a letter from SEARS/CBNA, therefore, on XX/XX/XXXX, I sent a final goodwill letter attempting to clear up the matter ( Exhibit B ). I did received a letter dated XX/XX/XXXX from SEARS/CBNA, also known as Citibank, stating that the debt was sent to an collection agency, XXXX   XXXX ( Exhibit C ). A letter was also sent to XXXX XXXX and their attempt to collect debt stopped. After receiving numerous letters from a new collection agency, XXXX XXXX, a letter was sent to them to validate debt on XX/XX/XXXX ( Exhibit D ). A letter was received from XXXX XXXX stating they were forwarded my letter to Citibank for review and suspending all collection activities ( Exhibit E ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a creditor on my credit report showed a 30 day and 90 day payment on my report. I filed a dispute because I have an email from extra showing that they submitted the correction back onXX/XX/XXXXXX/XX/XXXX Experian claims to have done an investigation and validated the late payments, however I have recent emails from extra saying that they were never contacted and that they resubmitted the correction. Experian did not do a through investigation because the original creditor was never contacted. I have attached a copy of the original email from the creditor on XXXX of last year, the recent emails. 

Creditor : XXXX Account XXXX : XXXX Report says i am a 30 a 60 and a 90 day late payment when I have not had any missed payments. THey are corrected my XXXX however not my experian. Please see attached
Product: Student loan

My loan servicer Aidvantage emailed me on XX/XX/XXXX to inform me that my student loan payments will resume XX/XX/XXXX even though the federal pause on student loan payments does not end until XXXX of XXXX. I tried calling them but I have still not been able to speak to anyone about this.
Product: Credit card

My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit.
Product: Mortgage

PHH Mortgage is refusing to speak to heirs of estate that are listed on title. Note holder died in 2013 and PHH has consistently refused to speak to heirs of the estate specifically note holders wife who is listed on title on signed the original mortgage against the property. After multiple phone calls company is still denying the right to speak about the account stating that the heirs are not authorized to speak on behalf of the deceased. We spoke to the attorney who is representing PHH Mortgage in Hawaii suing the estate and attempting to foreclose on the property but that communication has also resulting in no progress of preventing the foreclosure from proceeding against the property. I've ask the PHH representatives to explain what regulation X states and how as heirs of the estate we are not allowed to speak about the mortgage because we are not the deceased who signed the original note.
Product: Credit card

Recent changes to your PayPal Credit ( by Synchrony Bank ) agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you elect to receive and are sent your statements in electronic form only for each billing cycle. 

I do not wish to have to log in to get my statement. I do not want to pay the paper statement fee either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXXXXXX  XXXX XXXX XXXX Balance XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX US DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX  USDOE/XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THATS " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX/XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Product: Checking or savings account

Summary : Associated Bank will not honor their cashback reward offer for a purchase made prior to offer expiration if the transaction was not processed until after the offer expired. 

Detail : Associated Bank offers a Cashback Perks program for certain purchases made from an Associated checking/debit account. There was a cashback offer for XXXX brand mattresses for 10 % cashback, good through XX/XX/XXXX. I made an online purchase from XXXX at XXXX XXXX  XX/XX/XXXX ( CDT ) using my Associated Bank debit card. The confirmation email is attached ; it lists the purchase date/time as XXXX XXXX   XX/XX/XXXX ( EDT ). This falls within the offer period listed on Associated Bank 's website ( offer description attached ). 

The transaction was either processed XX/XX/XXXX ( date it shows up in my bank record ) or XX/XX/XXXX ( date given to me in conversations with Associated Bank ). These dates fall after expiration of the cashback offer. The bank has refused to honor the offer because the transaction was processed after the offer expiration, even though the purchase was made during the offer period. This is apparently policy and not subject to review of actual purchase date. 

I think this practice is questionable for several reasons : 1 ) The plain reading of the posted expiration date is that purchases made on or before that date are eligible for cashback rewards. 2 ) It is common for transactions to take several days to process, especially on the weekend, so it's likely that many purchases that consumers make within the reward offer periods are processed later and are not being honored. 3 ) The policy of using the transaction processing date rather than the purchase date is not spelled out on the bank 's public website ( as confirmed by an Associated Bank customer care representative - chat conversation attached ). 

In reviewing the fine print of the XXXX  offer, I realize that I may not actually be eligible for Associated Bank cashback because I used a coupon code on the website, although it is not entirely clear to me whether the " may not be combined '' condition applies to additional offers from XXXX, Associated Bank, or both. However, this condition was not the reason given for denying my claim ( see chat conversation ), and the reasons given related to offer expiration date seem invalid, constituting false advertising or at the least a deceptive business practice. This issue is likely to effect many people using this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.
Product: Mortgage

I spoke with a Insurance rep at Truist mortgage. I'm being charged double for my isurance. They noted the error and said they would submit it for analysis to get met my proper monthly payment corrected. To date they have not returned my call or sent any correspondence. I was told I should have an response by XX/XX/14.
Product: Credit card or prepaid card

My statement balance appeared as unpaid on XX/XX/XXXX, but it was paid. The bank ( Bank of America ) did not register payment until XX/XX/XXXX. The amount owed was {$310.00} and I paid {$360.00}.
Product: Credit reporting or other personal consumer reports

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances.

I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Product: Checking or savings account

There is a fraud issue on my Citibank Checking account. Citibank claims that this is a merchant dispute. It is not a merchant dispute over a service or item, it is unauthorized use of my debit card number, fraud. 

I have been lied to consistently by the dispute department telling me that they don't have any information on this and a provisional credit would be issued by the back office. According to the back office on the last CFPB claim, they had already denied the claim as a merchant dispute days ago. They have refused to explain the reason for their decision other than claim this is a merchant dispute which it is not. 

I can not accurate information from this institution and they have substantially damaged my account and relationships with institutions I pay from this account. 

I need to receive credit for the fraud amount that was lost and credit for all the overdraft and penalty fees. 

This behavior is simply egregious and illegal for an FDIC bank. As they stated in their previous response that have all this recorded.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX {$180.00} XXXX XXXX {$400.00} XXXX XXXX XXXX Bank XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX XXXX XXXX.
Product: Mortgage

This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare.