23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND MY FAMILY.
Product: Debt collection

About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.
Product: Credit card or prepaid card

I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I XXXX XXXX 100 % BELIEVE THIS IS NOT FAIR THAT THIS OLD INQUIRY 'S FROM XXXXFROM ALL XXXX CREDIT BUREAUS 1. XXXX 2. XXXX 3. EQUIFAX SPECIAL WHEN EQUIFAX WAS THE ONE THAT HAD THE DATA BREACH, OF MY PERSONAL INFORMATION LEAK OUT NOT JUST XXXX TIME BUT XXXX TIMES. 
I XXXX XXXX DO BELIEVE THAT WOULD BE XXXX AND FAIR TO ME AND MY CREDIT REPORTS ( ALL XXXX ) 1. ALL INQUIRIES FROM XXXX 2. AND HARD INQUIRIES XXXX NEEDS TO BE REMOVE. 
ALSO I HAVE SENT IN XXXX CLAIMS IN TO XXXX FOR THE SETTLEMENT CLAIM I HAVE NOT HEARD ANYTHING BACK I EMAIL THEM MY CLAIM STARTED FIRST IN XXXX XXXX WHEN EQUIFAX FIRST EMAIL ME ABOUT THERE DATA BREACH SPECIAL MONEY I BORROW FROM FAMILY HIRING ATTORNEYS DA AND SO FORTH I NEED THE MONEY BACK FROM EQUIFAX THE CLAIM NUMBERS I CHECK ED DOESN'T EXIST
Product: Debt collection

XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX  XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an account reported by XXXX XXXX XXXX XXXX XXXX XXXX 

Below are the details of the disputed account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Dispute Summary : Incorrect Status : The account status as reported is not correct. 
Incorrect Amount : The amount reported is inaccurate. 
Settled for Less : This debt was paid for less than the owed amount by the third-party debt collection agency, and this resolution is not accurately reflected on my credit report.

Unclear Purchase Amount : I question how much the collection company paid for this account. Neither I nor my credit report reflect such information. This lack of transparency and failure to disclose necessary details constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is not accurate, fair, or complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit file on XX/XX/24 by Factual Data XXXX on behalf of XXXX XXXX. I did not apply for a mortgage or a loan and did not authorize this inquiry. I have locked my credit file, placed a fraud alert with credit reporting agencies, disputed the inquiry with the credit reporting agencies, and have contacted Factual Data to alert them that I am not applying for a loan and I'm concerned this is fraud/identify theft.
Product: Money transfer, virtual currency, or money service

I transferred international transfer from XXXX XXXX to XXXX but in Remarks tag I put wrong data ( its a reservation code for my apartment ) I requested the origin bank the send a correction message and they did already but till now XXXX bank didnt forward the new update to the receiver bank and my payment still on hold due to this delay. 

Attached included both documents 1. Transfer amount proof.

2. Correction message proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile
Product: Credit card or prepaid card

Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems that once again, my credit file has been compromised. Upon reviewing my records, I've discovered numerous items that are not mine. As someone who values thorough research, I've learned that under section 605b of the FCRA, there's a legal obligation to remove any fraudulent items resulting from identity theft. The disputed items are not associated with me. I've attached the necessary FTC Report for your reference and for the bank 's records. Kindly proceed with the removal of these items. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXviolated 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. Also this collection was Removed/Deleted from my account XXXX. XXXX, XXXX  because I was a victim of the XXXX pandemic earlier during the time so I was jobless and homeless
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. 

Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. 

They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. 

This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. 

Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Volkswagen Credit Inc regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to Volkswagen Credit Inc. 

Despite my efforts to address this matter directly with Volkswagen Credit Inc, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to Volkswagen Credit Inc, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Volkswagen Credit Inc complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts should be removed from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in the reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finance 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

There were several charges on my account for XXXX each i called and let them know that I did not authorize these transactions. Credit karma turned around in 2 days and denied my claim saying I authorize these transaction. Didn't give me any proof whatsoever. I feel like they just brushed me off to the side didnt care about me losing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the fair credit reporting act XXXX XXXX XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXXXXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. Experian and XXXX   both have sent results based off the information you provided to them. Please see the information below : EXPERIAN RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me dispute a bankruptcy on credit report States XXXX XXXX XXXX XXXX XXXX Too Old for credit report Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

If they wont let a dispute go through how can I submit further information/details There is a lawsuit against Experian for not responding to disputes but I would rather handle this matter as quickly as possible I have attempted to dispute this bankruptcy every month since 2022 and XXXX and XXXX but have failed each time