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

I have requested that Equifax update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I used their online portal three times and they still have address on my credit report that I do not live at. They are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

There was a recurring fraud charge on my account around XX/XX/XXXX. The charges went on for a few months. After being investigated Capitol One deemed the charges as fraud. They sent a letter saying that all the charges were removed. However, they continued to send me bills thereafter. Confused, because the account should've had a XXXX dollar balance after the fraud charges were removed, I decided to call. We found out that the additional charges were late fees that were due to the fraud charges that were reversed. Therefore, the late fees correlating to them should have been removed as well. 

After disputing it with Capitol One directly I still had no results though they agreed that the charges were from the late fees of the fraudulent charges. I disputed it via XXXX XXXX after getting no results from Capitol One directly. That dispute was also rejected. I have disputed the late fees on the account from XX/XX/XXXX to this day, XX/XX/XXXX. 

I spoke with a representative about 2 weeks ago that assured me that the problem would be handled in the next 5 days as she was escalating the issue. I explained that at this point it has dragged my credit down for months now. It is not currently charged off and I still have no answer and a, now, damaged credit score that is preventing me from buying assets. Please help! I have spoken to about 10 different representatives and I still have no answer or help!
Product: Consumer Loan

I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The first issue is that I was NOT properly notified of my dispute results! I received an email from Equifax stating my dispute results were ready. First off, my dispute results were supposed to be MAILED TO ME. Second, after I logged in to see the results online, there is a column with " view '' there. It was not hyperlinked! There was NOTHING TO VIEW. 2 ) The second issue is that I called today, XX/XX/2019 and spoke with rep XXXX at around XXXX and he told me that the illegal XXXX  account STILL REMAINS after dispute! The collection account reports a " past due '', of which collection accounts ARE NOT SUPPOSED TO DO. By default, a collection account IS ALREADY PAST DUE. They are in violation and this account must be deleted immediately. However, Equifax -- in particular, whoever entered my dispute -- took it upon themselves to submit my dispute with XXXX as " updating the balance ''! That IS NOT what I was disputing! I very CLEARLY STATED that the problem with the account is that it illegally reports a " past due '', violating the FCRA! Representative XXXX is the one who told me that " updating the balance '' is what " I was disputing '' when that is FAR from the truth. Equifax wasted not only 30 days of my time, but really a whole year of disputing this illegal account. My next step will be filing a claim against Equifax of at least {$1000.00} for damages if this account remains. In fact, there's nothing to dispute ; no dispute is needed -- this account needs to be DELETED IMMEDIATELY! I have attached what I sent to them in XXXX for my dispute, which CLEARLY does not say ANYTHING about disputing a balance! I state that the 'account must be immediately deleted for the FCRA violation of reporting a past due as a collection account '. ACCOUNTS THAT VIOLATE THE FCRA ARE SUPPOSED TO BE DELETED IMMEDIATELY!
Product: Bank account or service

I opened up a Citigold checking account with a promotion of XXXX XXXX XXXX miles. The code for the promotion was given to me by a Citi chat representative and I confirmed with Citi that the code was properly applied to my account. They replied and ensured me that as long as I meet some spending requirements, I would receive the miles within a certain period of time. After completing the spending requirements, I contacted Citi to confirm that all the requirements for the promotion were completed and at this point, the representative informed me that it was a targeted offer that I was not supposed to receive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Innovis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to XXXX XXXX Innovis on several occasions and they have not updated my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 myaccount 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 1
637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 or other personal consumer reports

I would like Navy Federal to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my XXXX XXXX and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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. 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: Debt collection

Today, XX/XX/XXXX, I received the email below from XXXX. 
I responded asking what it was for and was told that I owe money to ACE Ace loan XXXX, This is a parent company which owns and operates more than XXXX websites. I have asked for the exact company in which money is owed but this individual will not tell me a company name. I have also also for a website for their company but I have not been given that information either.

FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File : XXXX Last Date to File Lawsuit- XX/XX/XXXX Cost of the Lawsuit- {$2200.00} Courthouse Address-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Charges-Section 19 ( A ), Clause 21 ( US ) Case Format- Fair Debt Collection ( FC/SC ) Settlement Amount- {$850.00} by Today Dear XXXX, This informs you and requires your immediate attention .

We are going to file a lawsuit in the next XXXX hours at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

If we do not hear from you today, We will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a debt committed by use of the Internet. In addition we reserve the right to seek recovery for the balance due as well as legal fees and any court costs incurred.

Note : If we do not get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$2200.00}.

Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action against you.

If we receive the remaining payment from you thereafter we will provide you with a full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matter lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.

If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of XXXX years of prison and a fine up to {$5500.00}. 

YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the courthouse by requesting an offer in compromise.

If you fail to respond within XXXX hours, this Legal Action will be activated so please EMAIL us back ASAP. 

Regards, XXXX XXXX XXXX XXXX XXXX ( Department - Law & Enforcement )
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX is reporting wrong info on my credit report making it harder to obtain credit. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
XXXX ) XXXX XXXX These negaitve deragotory remarks. Are prohibiting me from obtaining credit and I would like them removed from my credit report these are iteams of identify theft
Product: Credit reporting, credit repair services, or other personal consumer reports

below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief 1. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXXXXXX  2. XXXX XXXXXXXX a. Inquired onXXXX b. On record untilXXXX XXXX 3. COMENITYCAPITAL/OVRSTK a. Inquired onXXXX b. On record untiXXXX XXXXXXXX 4. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX 5. XXXX a. Inquired onXXXX b. On record untilXXXX XXXX
Product: Money transfer, virtual currency, or money service

I made purchases in the amount of {$16.00} {$6.00} {$78.00}, and {$14.00}. My card was stolen. Cash App paid the items from the new card issued but is basically hold the same dollar amount in items and will not release the funds nor give me access. The items were paid out and they still have the original authorizations on hold. I called multiple times and the representatives hung up and told me they had no information. They would not allow me to speak to a supervisor and refused to give me an address to their Corporate Office.
Product: Credit reporting

I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.
Product: Checking or savings account

chase bank has honored XXXX and XXXX 's attempt to freeze my account. I was not aware of any court dates and went to the courthouse to file an order to show cause. following the court date in XX/XX/2022 myself and XXXX and XXXX have come to an agreement. chase bank has been contacted multiple times to release the hold on my account and all documents have been sent by fax by myself and said debt collector. I have been contacting calling parties to resolve the issue for months. chase tells me that havent received anything and up until last week the last person i spoke to from the legal department has told me that they have been denying my all documentation that the debt collector has been sending to them. Chase has received proper documentation from the debt collection agency and will not honor the lien release forn which is a legal document. i have been fighting with chase from XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My credit report with XXXX XXXX XXXX shows an incorrect balance, and the last payment date has not been updated.
Product: Checking or savings account

I signed up for a promotional offer on their website on XX/XX/XXXX.

It promised a {$150.00} bonus for receiving a {$500.00} direct deposit within 60 days.

My deposit arrived on XX/XX/XXXX ; per the terms of the promotion, the bonus was due XX/XX/XXXX.

When I contacted the bank, they said they needed more info, such as a promo code and how I received the offer. But as I had said, it was an offer on their web site, with no promo code. I will attach screen shots of the offer and promotional terms.
Product: Mortgage

Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive. 

Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer. 

XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date. 

XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product. 

At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down. 
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home. 

At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ). 
If I went to another lender I would have to start over all the process. 

XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the lighting 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 customers 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 customers safety.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Mortgage

2 problems with Specialized Loan Services ( SLS ) 1. SLS does not post additional principal payments on current statements. Additional principal payments are posted on the following month 's statement although the additional payment was included with regular payment. They post the regular payment but delay posting additional principal payments on the same statement. Additional payments are made to reduce interest amounts immediately not 30 days later. 

2. XX/XX/XXXX payment of {$6100.00} was incorrectly posted by SLS and they refuse to reflect it correctly on my account. The payment included XXXX regular payment and XXXX additional principal payment. Due to their posting error the transaction is showing as XXXX although they said they applied the payment. I have no evidence of when the payments was applied and if they are still calculating interest on the additional principal payment. 

Communication : XX/XX/XXXX - made payment on my account via bill pay. SLS did not post until Monday XXXX and that point I realized the errors. 

XX/XX/XXXX - sent message using SLS internal messaging system - see attached. 

XX/XX/XXXX - sent another message using SLS internal messaging system because they fixed their error to benefit themselves but did not fix the payment posts on my account - see attached. 

XX/XX/XXXX - called customer service and representative powerless to help me. I asked for supervisor and she said a supervisor will call me in 24 hours. 

XX/XX/XXXX - supervisor called me during work hours and did not leave a direct extension I could use to call her back. 

XX/XX/XXXX - I attempted to call SLS hoping to get someone who could fix my problem but after pressing all the buttons on their automated system I was told that they closed at XXXX MT although it was only XXXX MT. Thinking the automated system made an error I called back again and received the same message. 

See attached 6 page documents of screen prints and notes for clarity.