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

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit card or prepaid card

Under my findings 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) I can not be discriminated against for any Type of credit transaction I was denied a line of credit however a credit transaction took place with this company Now i feel discouraged of applying for any future lines of credit
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : Newrez LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX LOAN # XXXX XX/XX/2024 ECSROW DISCREPANCIES To Whom It May Concern. 
I noticed my escrow balance was negative, so I asked for a breakdown analysis after speaking to several employees at Newrez. They were all telling me my city tax increased. I was shocked by this because my city tax was already paid for the year. After getting a copy of my escrow analysis, I noticed my escrow account was used to pay my personal water bills in disguise as city tax in XX/XX/2024. It is my understanding that my escrow account will not be used in paying my personal water bill. I would like a copy of the tax bill that was sent to you, and why it was paid. I want to know how a water bill in the amount of {$4200.00} qualified as a city tax. My personal bills are my responsibility. The said bills I have attached had discrepancies, most of them were not even in my name which I am still disputing with the city. They have been sending the water bills in someone elses name, which has made it difficult for me to know who is responsible for the bill. The bill is not a city tax BUT A WATER BILL and should never have come out of my escrow account. I would also like to know why my escrow payments are so high every month. I am also attaching the adjustment for my home insurance ; I was able to reduce my home insurance so this should be adjusted on my mortgage payment. I still have XXXX error late payment reported by you on my loan. This is unacceptable and I am giving 30 days for this to be rectified otherwise I will have no other recurse than to take legal action.
Product: Credit reporting or other personal consumer reports

I WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

This involves about my Citi Thank You/ CitiBank Credit Card . I have been having issues with unauthorized transaction as alerted by them almost since XX/XX/XXXX. I had spoken to their Customer Service Support and Fraud Department Rep who told me not to worry as these transactions would be rectified being a long time customer. Sometime XXXX or XXXX XXXX I was unable to login into my CitiCard online account. I called Customer Service Support who informed that my account was blocked due to possible fraudulent transactions. They went over with me some transactions that I was not familiar and did not authorize. I was told by the rep not to worry as those charges will be reversed. Moreover- sometime XX/XX/XXXX while I was on vacation, I received a text alert from Citicard to verify certain purchases and transactions ( click 1 for yes or 9 for no ). I answered the no option - indicating that I did not authorize. I was alerted to call Citicard which I did but they had issues verifying my identity. So they said that they will mail me a letter for next steps. When I got home from vacation- I called them as I havent received this mail- I believe on XX/XX/XXXX. They told me that they mailed it. When they verified my personal info- it was noted that they added an unauthorized user without my permission and different address on my file for which they claimed that they corrected. Citi Credit Card said that they will send me a new Card. They went through some transactions that I was not aware and did not make. They said not to worry as it will be reversed. Again- I received 2 new cards on XX/XX/XXXX ( they should have only sent me one ). The other card bears the name of the someone That i don't know. They told me that they had a system error and disregard the cards and that they will send me a new one. I asked them about any updates for their investigation on disputed transactions. They said that investigation is ongoing. I received a new card on XX/XX/XXXX. On XXXX I received another text alert from them for possible fraudulent transactions. I called them and spoke to the Fraud dept- they went through some transactions with me that I did make. I followed up again the result of their investigation regarding disputed/ fraudulent transactions. They said that they don't send a formal report for that and that they halted the investigation as they can't get hold of me. I told the rep that I have not received a call from CitiCard pertaining to follow up investigation of fraudulent transactions. The rep told me that they will resume the investigation and that they will send me a new card. Citicard sent me 2 new cards again on XX/XX/XXXX with another user who I don't know. I called and reported it to Citicard for which the rep apologized. I requested to process the permanent closure of the credit card account as I haven't used it for almost a year. XXXX  XXXX XXXX XXXX XXXX sent me an email alert of a deliquent payment on XX/XX/XXXX with Citicard for {$11000.00}. I am curently working with the XXXX XXXX XXXX XXXX Restoration Specialist who advised to report my ongoing issues with CitiCredit Card to the Customer  Financial Protection Bureau.
Product: Debt collection

XXXX XXXX XXXX XXXX. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to Cooling and Winter LLC, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
XXXX  XXXX XXXX XXXX. is currently reporting this account to all XXXX major bureaus as closed/charge-off and updated as of XX/XX/XXXX. XXXX  XXXX XXXX XXXX. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that XXXX  XXXX XXXX XXXX. NEVER validated this account and XXXX  XXXX XXXX XXXX is not following the FDCPA. 

Cooling and Winter LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I would like to know who gave Cooling and Winter LLC my personal information. I did not agree to any contracts with Cooling and Winter LLC to pay this company anything. I did not authorize Cooling and Winter LLC or XXXX XXXX XXXX XXXX, permissible purpose to use my personal information. 
Recently I priority mailed XXXX  XXXX XXXX XXXX, and Cooling and Winter LLC letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.
Product: Student loan

Hello, I'm not entirely sure who I should contact with this issue so I'll start with CFPB. My husband is a XXXX   XXXX VA XXXX veteran and was able to get all of his student loans forgiven. I met him right after I finished college and have moved all over the country due to his military orders. It has been extremely difficult for me to find jobs each place we move thus making it impossible for me to cut down on my own student loan. I know he deserved to have his loan forgiven because of his service to the country but I feel as a spouse there should be some type of assistance with my student loans. I've had to sacrifice quite a bit and also my time as his care giver. I've also had to take exams to recertify my credentials to each state we have moved which further extended my chances of finding a job in a timely manner. If you aren't able to help, can you please forward this letter to a government office that might be able to? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint about Equifax 's Security Freeze process. I was able to easily put Security Freezes on my and my husband 's credit through XXXX and XXXX, so I know the problem is Equifax and not me. 

The Equifax website is cumbersome and there is no direct link to beginning the Security Freeze process. There is to Equifax 's Lock & Alert, but this is not what I wanted. Once I found how to do the freeze online, the system would not allow me past the Submit button. It just kept swirling and returning me to the captcha. I was able to get through once for one security freeze, but that also ended in an error message for the 'One-Time Only PDF ' so we needed to call. 

Trying through the phone process was even worse. The agents ' accents were too strong to understand and they asked questions for which we needed to look up each answer taking tons of time. We successfully completed the process for me, but not for my husband. I spent no less than 2 hours trying to accomplish this today, whereas neither XXXX or XXXX took more than 15 minutes. And they did not try to push a different product on me such as the Lock & Alert.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

A large deposit of a Bank Official Check in the amount of {$28000.00} was deposited on XX/XX/year>. It is an Official Check from XXXX XXXX XXXX XXXX. The bank failed to follow Reg CC which requires next day availability on Bank Official Checks. They also did not follow the Large Dollar Exception rule which allows for a hold on funds above {$5000.00}. They placed a hold on the entire amount. Under the Large Dollar Exception rule of Reg CC, {$5000.00} is to be made available within 2 days, and amounts above {$5000.00} can be place on hold for 7 days. The bank placed a 10 day hold on the entire funds. When this information was shared, they indicated the account agreement overrides Reg CC, and they can place a hold on the entire amount and refused to give availability of the {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a dog on XX/XX/XXXX fo a total of XXXX I put XXXX down in cash by a debit card, shown in this receipt. The amount showing on my credit report is over XXXX. That is not the correct amount. I never agreed to that ad you can see in the document provided by XXXX XXXX, the amount to be financed is XXXX, that is what I sighed. This is wrong and I've displutwd it twice with documents to prove my case and the consumer is still saying it's inccoret. I will be filing a lawsuit against this company for incorrect reporting.
Product: Mortgage

The borrower received a Trial Payment Plan Offer from SELECT PORTFOLIO SERVICING , INC, which is enclosed. The Trial Payment Plan Offer states that {$100000.00} will be forgiven by the investor once the modification is permanent. She relied on this and accepted the Trial Payment Offer. She completed the trial payment in XX/XX/XXXX. 

She recently ordered a payoff on XX/XX/XXXX. This payoff reflected a {$350000.00} amount that was due, which does not reflect the forgiven amount. In review of the final modification offer dated XX/XX/XXXX, instead of a {$100000.00} principal forgiveness, there was a principal deferral of {$100000.00}, which was contrary to what was promised during the Trial Payment Plan. 
We ask that the CFPB please review this matter and contact Select Portfolio Servicing , Inc. in order to come to a resolution for this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX / XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. In accordance with the Fair Credit Reporting act XXXX XXXX, account # 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 a account without my written instructions 2. In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, account # 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 a account without my written instructions
Product: Debt collection

Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person
Product: Debt collection

Financial Control attempted to collect more than I owed for medical bills, that my insurance Company, XXXX XXXX had paid. I did pay CFC a lesser amount that we settled upon more than a year ago during 2014. They stated that the collection would be removed from my Credit Report if I agreed to pay that day! I felt forced to pay it, since I knew it would negatively affect my credit score. A year later it is still on my credit report!!! I want Central Financial Control to remove this from my credit report as they stated they would. This is an unfair tactic, that destroys ones credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got approved for a loan for Solar installation from Dividend Finance, via Maryland-based XXXX XXXX XXXXXXXX , in XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from Dividend Finance on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on XXXX XXXXXX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from Dividend or XXXX XXXX XXXX for additional documents or information that I failed to provide. Dividend 's decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of 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 transaction was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit card

Capital One closed XXXX of my credit cards without notice or consent. Two years of credit down the drain with dramatically affected my credit score. Policy of return payments is not explained properly and when cards were closed I was not given notice in any form until I went to make a purchase AFTER I paid both of the card off in full. Also ; I still have not received my security deposit as they were secured credit cards ; equaling in the amount of {$440.00}.
Product: Credit reporting or other personal consumer reports

Ive began to look into a house in did a Cerdit review in notice the there has been some fraudulent account in activity on my reports my company where I was employed at the time, was also a victim of a data breach with in that year for the one off the accounts Ive stated in my complaint in this were i believe my information was stolen and misuse due to a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.