23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We went through bankruptcy ( Chapter XXXX, we repaid all our debts ) and XXXX sold our mortgage to XXXX, who we worked with for 7 years and LOVED their customer service -- very helpful. At the end of our bankruptcy we were even given an amortization that we were able to apply to our principle. 

They were recently sold and our mortgage was sold to Shellpoint who now says we are behind a payment even though we have a credit balance? My husband went back through our statements, and verified every monthly payment was made since they notified us that they were the new loan holder. 

He reached out to Seterus and they verified that the last payment we made to them was transferred to Shellpoint. Every time we try to explain this to Shellpoint they keep insisting that we are behind 1 payment, even though they are unable to tell us when we missed a payment. 

During one conversation with Shellpoint we mentioned our bankruptcy and they immediately transferred us to their Bankruptcy Department and the lady we talked to verified we were not behind and made some notes on our account. She also stated that we had a credit balance bc we had been overpaying. 

Despite this, we continue to be harassed on a daily basis by their robocall department that insists we are behind a payment.
Product: Checking or savings account

I received a mailer in the mail from Fifth Third Bank stating that if you open a new Momentum Checking account and fund it with {$15000.00} and keep the balance for 90 days, you will get {$600.00} bonus. 

I went to the nearest branch of Fifth Third Bank at XXXX XXXX XXXX, XXXX, IL XXXX on XXXX and met with XXXX XXXX, Retail Personal Banker ( XXXX ) XXXX and provided the offer code flyer. Accordingly, she opened my Fifth Third Momentum Checking account and funded with {$500.00} intially and further deposited {$15000.00} on XXXX fulfilling the funds requirement. I kept the funds for 90 days and I am still maintaining the balance of {$15000.00} as on date but bank has failed to deposit the bonus amount of {$600.00} even after 6 months. 

I went in person several time to the branch & met with XXXX XXXX ( Retail Personal Banker ) and XXXX XXXX XXXX ( Personal Center Manager ) several time and complained about it. They have promised to resolve the issue & credit {$600.00} bonus but nothing has been done so far. 

I have left messages for both XXXX XXXX and XXXX XXXX XXXX several times but no one has bothered to return my calls. I was made to wait for more than XXXX hours by XXXX XXXX XXXX XXXX in first week of XXXX when I visited but did nothing to resolve the issue. I called Fifth Third Head Quarter for help & they transferred my call to branch and I left a message for XXXXXXXX XXXX XXXXXXXX & they did not bother to call me back. 

I have come to the conclusion that bank staff has been harrassing me as a consumer and not willing to resolve my issue of {$600.00} bonus as per the banks offer. I humbly request you to investigate the matter, bank staff and bank 's practices to stop the harrassment of small consumers from corrupt practices of BIG BANKS.
Product: Credit reporting

There is ID theft and discrimination. The company is unknown. I would cope up with the steps and procedures which the cfpb is going to take as long as it is required. Protection of credit discrimination must not have worked like that anyway.
Product: Credit card or prepaid card

My cash rewards for my Apple Card are getting deposited into an XXXX XXXX account with a negative balance that is due to fraud. I believe this is unfair and deceptive as I have an Apple Card ( credit ) backed by Goldman Sachs but getting rewards are deposited into a into a debit card ( Apple Card ) from XXXX XXXX XXXX stated that my negative XXXX balance is due to a chargeback that I reported as fraud, because it was fraud, I have a police report. XXXX states the resolution can take up to 180 days. Which means every daily cash reward will be deposited into a negative account.
Product: Credit reporting or other personal consumer reports

Hello, Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying me and it's taking a toll on my mental health just because of my credit score being unfairly affected due to these errors on my credit report hindering me from achieving financial freedom.
Product: Vehicle loan or lease

I paid off my XXXXXXXX XXXX vehicle in XXXX. I have made many attempts for XXXXXXXX XXXX  XXXX Honda company to send me the title and they do not wan to release my title. I called the office at XXXX on XX/XX/XXXX. I was instructed to come in to the finance office and speak with them directly. I went to the dealership where I originally purchased the vehicle, XXXX and XXXX XXXX, on XX/XX/XXXX. I explained the situation to Sales Consultant XXXX XXXX and then was given another XXXX number to call. They have been making it very difficult for the last month for me to obtain the title for a vehicle that has been paid off for nearly two years. Due to the delays and time consumption it has caused me great hardship on something that is my property. I will miss out on deadlines due to their unnecessary delays and I have come to them multiple times in good faith. 

I have attached a letter given to me by the Texas DMV and also a divorce decree showing that the car was given to me during the divorce.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX| Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

Me and my spouse financed {$5400.00} through Synchrony for our purchases at MattressFirm. On XX/XX/2023, we were charged the full amount of the remaining balance on this loan {$5300.00} on one single payment and resulting my spouse having- {$4900.00} on her main checking account. I spoke to Synchrony Bank to ask why has this happened and how should we fix it. I was alleged by them that I made a mistake myself when setting up the auto payment, which they stated I selected to pay the full amount of my statement balance every month regardless we signed up for 36 term loan from Mattress Firm. Their solution was issuing me the refund for my payment and which will take up to 15 days to arrive. They did not provide any solution to cover my overdraft fees nor the effects may gon na cause to lower my credit score.
Product: Money transfer, virtual currency, or money service

According to ssa and Treasury dept my check was processed and deposited into my chime account on XX/XX/year>. XXXX  or bancorp bank claims they never received a deposit. Now I can't log into my account can't get in through the website and XXXX  staff have been rude and condensjding and very unhelpful. I have spent 12 hours trying to get my savings account money transfered to my checking so that I can get the XXXX  I need and no one can help me transfer XXXX or locate the XXXX that was deposited on the XXXX. Someone is lying and I am pretty sure it is not the Treasury department or SSA. I have an eviction notice because of this no one wants to help me transfer my measly funds from savings to checking or care about researching my missing SSA check
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of 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.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO TRANSUNION VIA USPS CERITIFED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Product: Payday loan, title loan, or personal loan

I the 3 past month, Im loss my job, In XXXX im begining working again but the XXXX XXXX XXXX in XXXX Tx Phone XXXX Are calling several times to my work in my hours working and perturbe my mind with intente to collect the past due payment
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 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. XXXX ) 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. 
Account : XXXX and Account : XXXX
Product: Mortgage

On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.
Product: Checking or savings account

I have a business checking and personal checking with the bank. The bank has been and is still today requesting me to pay overdraft charges that have been excessive since account opening. I recently noticed I have already set up push notifications, sms notifications and email notification alerts to notify me that once my account goes under {$0.00} I am to be notified but nothing happens. I have brought this to the banks attention already. My balance is never {$0.00} so I should be receiving alerts when it drops below {$0.00}. I have paid roughly {$300.00} or more in overdraft fees due to me not being notified in a timely manner by the system since account opening. I recently spoken with the bank and they shared with me that they see the alerts set up but there is some kind of system error. They cant see nor control when the emails are sent but the push notifications they can see and should already be happening but they arent. As well the sms notifications are on but they arent sending alerts neither. Due to this reason I am paying fees that is not my fault because had I been notified the funds would be made available immediately thereafter and cover my transactions in time to avoid overdraft fees or any fees occurred due to not being notified. The bank gives until XXXX to make a deposit to avoid any fees once the account goes to a negative balance. Due to this the bank have caused damage to my finances. This bank has gotten over on me long enough and I refuse to keep allowing this to happen.
Product: Credit reporting or other personal consumer reports

Please See Supporting Documation pertains to Experian Date breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute for removal of inaccurate and unverified information Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act 15 U.S.C. & 1681 and request a thorough investigation into these inaccuracies, as required by federal law. Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB, Include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate information and remove from my report the following 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 XXXXXXXX XXXX of {$900.00} Under the FCRA, you are required to conduct and investigation into my dispute also provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. IF not address I reserve the right to escalate the issues with the CFPB and other appropriate agencies Thank you for looking and correcting this matter I look forward to hearing from you as soon as possible. 


Sincerely XXXX XXXX
Product: Prepaid card

On XXXX I redeemed cashback I earned via XXXX for an American Express XXXX XXXX XXXX in the amount of {$4.00}. At first, I tried to use it at XXXX and it didn't work. So I decided to add it to my XXXXXXXX XXXX  and use the XXXX XXXX  method of payment at a local store and that didn't work. Today, on XXXX I tried to reload my XXXX account with this gift card and it didn't work. I also tried to add it to XXXX, but that wasn't allowed. This ordeal has wasted a significant amount of my time and I read on XXXX how lots of other users are having this same issue of trying to use American Express gift/reward cards.
Product: Credit reporting or other personal consumer reports

Experian 's Failure to Comply with the Fair Credit Reporting Act ( FCRA ) Complaint Details : Failure to Conduct a Proper Investigation : On, XX/XX/2024 I disputed six ( 6 ) accounts with Experian and requested verification of these accounts. 

Experian 's response was inadequate and failed to verify the disputed accounts as required under Section 611 of the FCRA. 

There was no reasonable investigation conducted, and Experian failed to provide any supporting documentation or evidence to verify the accounts ' accuracy. 

Failure to Delete Unverifiable Accounts : Per the FCRA, when a credit reporting agency can not verify the accuracy of disputed accounts within the statutory timeframe ( 30 days, or 45 days if additional information is provided ), the accounts must be corrected or deleted from the consumer 's credit file. 

Despite Experian 's failure to verify the accounts, all six ( XXXX ) accounts remained on my credit report, constituting a direct violation of the FCRA. 

Improper Reopening of the Investigation : After filing a complaint with the CFPB, Experian reopened the investigation into the same accounts, including the XXXX  XXXX Bankruptcy Petition. This action does not remedy their initial failure to delete the unverifiable accounts. 

Specifically, for the XXXX  XXXX Bankruptcy Petition, Experian initiated a new dispute, which further demonstrates their failure to properly address the original dispute and their disregard for consumer rights. 

This reopening appears to be an attempt to circumvent their legal obligation to delete accounts that could not be verified in the original investigation, further demonstrating Experian 's disregard for consumer protection laws. 

Evidence of Systemic Noncompliance : The attached evidence includes a screenshot of an unresolved dispute for a XXXX  XXXX bankruptcy petition, showing that Experian failed to conduct a proper investigation or provide any verification, and instead initiated a new dispute to mask their failure. 

My experience aligns with a broader pattern of Experians failure to conduct proper investigations, as highlighted in ongoing CFPB enforcement actions against Experian.

This complaint serves as additional evidence of Experians systemic noncompliance with FCRA requirements and supports the CFPB 's lawsuit against them. 

Harm and Damages : Experians actions have caused material harm to my financial reputation and credit standing by reporting unverifiable and inaccurate information.

I am seeking {$1000.00} in statutory damages for each of the six ( 6 ) accounts, totaling {$6000.00}, as permitted under the FCRA for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.
Product: Credit card

I have been a credit pay pal consumer customer for over 3 1/2 years and they decreased my credit limit without my knowledge. they sent a letter after they decreased my credit limit.

I told them that I had some fraud going on with my credit and this is why my credit was frozen. My limit was {$1800.00} they decreased it to {$1500.00}. at the time they decreased my credit I had paid my limit down to XXXX dollars.
Product: Money transfer, virtual currency, or money service

The company name is PayPal. XXXX XXXX : XXXX They held my funds with no reason. They asked me for some information which I provided succesfully on XXXX/XXXX/XXXX. Now Im waiting for a response because we are loosing a lot of customers.