23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX  Collection {$430.00} XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Product: Credit card

What happened? 

I am filing this complaint because American Express has repeatedly reduced my credit limit without valid reason, in violation of my rights under applicable laws. Despite having an account in good standing, American Express has taken adverse actions that have negatively impacted my financial standing. Due to these repeated reductions and the negative impact they have had on my credit profile, I am requesting the establishment of an open-ended credit account that settles at the end of each month, with occasional interest charges as permissible by law.

Relevant USC Codes and Regulations : 15 U.S.C. 1601 et seq. ( Truth in Lending Act - TILA ) : Requires disclosures about terms and cost of credit, promoting the informed use of consumer credit. 
12 CFR Part 1026 ( Regulation Z ) : Implements TILA, requiring creditors to provide detailed information about the cost and terms of credit.

15 U.S.C. 1691 ( Equal Credit Opportunity Act - ECOA ) : Ensures fair treatment of consumers by creditors, prohibiting discriminatory practices.

12 CFR Part 1002 ( Regulation B ) : Implements the ECOA, outlining requirements for creditors to provide equal credit opportunity.

15 U.S.C. 1666 : Addresses billing error resolution in open-ended credit accounts.

12 CFR 1026.6 : Requires disclosure of terms and conditions for open-ended credit accounts, including interest charges.

15 U.S.C. 1681b : Regulates the permissible purposes for which consumer reports can be furnished.

15 U.S.C. 1691 ( a ) : Prohibits creditors from discriminating against applicants on various grounds.
Product: Debt collection

On XX/XX/XXXX, after pulling my credit report, I realize some accounts on my credit report that did not belong to me, right after, I started to search on the web about how to remove inaccurate information on my report. About two months went by and I started the journal of disputing, so, to be exact, on XX/XX/XXXX I submitted my first dispute to the credit Bureaus, very few items were remove, on XX/XX/XXXX, I sent my second dispute, some more items were removed. Unfortunately, about a week and so, I received a collection letter from COMMONWEALTH FINANCIAL SYSTEM trying to collect on an alleged debt with XXXX XXXX XXXX XXXX, I do not have any idea where this debt is coming from. This alleged debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019,

Seterus transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. Seterus did not indicate that it closed the account because its OWN DECISION.

And Seterus did not report that account was in good standing which it was.
Product: Mortgage

I had a home loan with Ditech which I never missed a payment on. I sold the house and have the loan paid in full, but I've had nothing but problems since. I've called Ditech customer service reps about 10 times for this now and Ive gotten nowhere. 
Ditech home loan number XXXX. 

My loan is paid in full. However, I have a {$560.00} escrow balance left with them, need it refunded and they refused to disburse me my money. Ive asked for this refund at least 10 times now. There is no reason they should be holding this money and refusing to send it to me. 

Additionally, my loan closed on XX/XX/XXXX. During that loan closing, my title company paid my county taxes in full. No taxes should have been sent out by Ditech because they were paid in full by me, but for some reason, they still dispersed my tax payment on XX/XX/XXXX. ten days after my loan was already done paid off. Since my taxes were paid in full during closing, then again paid by them, they have been double paid. The county will not issue the refund to me since they're the ones who made the payment. They need to get a refund from XXXX County for {$1200.00} then send me that refund, but once again they refused to do so. 

With the tax payment, and my remaining escrow balance, they are withholding {$1800.00} of my money, and not a single representative will do anything about it.
Product: Credit card or prepaid card

XXXX-I was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local XXXX from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/XXXX - XX/XX/XXXX. -Proof of departure from merchant XX/XX/XXXX. -Proof of XXXX stay. -Invoice proof of damages. The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account. 

On XX/XX/XXXX and XX/XX/XXXX, I called and spoke with representatives who assured me that the dispute for the remaining {$600.00} was reopened and a {$600.00} conditional credit would be offered, and I would not be facing any late payment fees or charges. The charge was never removed and no conditional credit was given. I called back on XX/XX/XXXX, and was given completely different information about the dispute being closed. Citi Bank representatives have given me false information and have no damaged my credit report. 

According to 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Citibank failed to issue a credit as they said they would, and have violated my rights as a consumer. The remaining balance of {$600.00} needs to be removed within 4 days of receiving this.
Product: Credit card or prepaid card

Credit Card Company : XXXX XXXX I have been trying to resolve an issue with a charge on my credit card that was suppose to have been refunded. I filed a claim with the credit card company on XX/XX/2018. I received a response on XX/XX/2018. The response was that they " could not find where the error occurred ''. All attempts to contact them have not be productive. I was told in on phone call that they did not have the last four digits of my credit card. Which seems unlikely because they use that same information to identify me when I call that same number prior to talking to a service representative. The amount of the purchase was {$15.00}. Purchase date XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  account # XXXX has violated my right USC 1681 section 602 states I have right to privacy USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpt
Product: Money transfer, virtual currency, or money service

Hi! My name is XXXX XXXX. I am XXXX XXXX XXXX and retired. I am living off from Social Security Income and Interests Income from CDs accounts of online banks. This is what is happening now with Marcus by Goldman Sachs Bank. 
XX/XX/XXXXXXXX  : I opened an online savings account with Goldman Sachs. It is under my name XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as a joined account. 
A lot of transactions between XX/XX/XXXXXXXX  : I opened online CD {$110000.00} 3.0 % Interest rate with 5 Yrs Term. 
A lot of transactions between XX/XX/XXXXXXXX  : I found XXXX XXXX  pays 4.50 % Interest rate with XXXX Yrs Term. 
XX/XX/XXXX : I decided to move all money to XXXX XXXX  from Goldman Sachs. 
XX/XX/XXXX : I withdraw CD {$110000.00} by paying early withdraw penalty {$1600.00} to Goldman Sachs and I deposited to my savings account. 
XX/XX/XXXX : Saving Balance is {$130000.00} as of XX/XX/XXXXXXXX  with Goldman Sachs. 
XX/XX/XXXX : I opened a Savings account with XXXX XXXX. I requested link between XXXX saving and Goldman Sachs savings. 
XX/XX/XXXX : The link between XXXX and Goldman Sachs is completed. 
XX/XX/XXXX : Requesting from XXXX, I transferred {$900.00} and {$130000.00} to XXXX Savings from Goldman Sachs. 
XX/XX/XXXX : XXXX XXXX showed {$130000.00} balance and Goldman Sachs Savings showed XXXX Cents. 
XX/XX/XXXX : Nightmare has began. 
XX/XX/XXXX : I tried log in Goldman Sachs online bank but I couldnt. They banned me to log in. I called Goldman Sachs service center for help. They changed it back so I could log in. 
XX/XX/XXXX I found Goldman Sachs withdraw my transfer ( ACH ). I called manager. I asked her why the transfer ( ACH ) are withdraw. She told me I cant transfer money like that. I asked her why not. She told me she wanted to speak my wife. I told her my wife is not here now. 
XX/XX/XXXX I learned my savings account is freeze. I can view my savings account but I can not transfer money from my savings account. I called manager again. She said to me that I can not transfer money until she can speak to my wife. I told her this join account either person can withdraw or transfer money from it. She acknowledged that but she doesnt want my money to be transferred until she talk to my wife. I told her my wife doesnt speak English and I am the primary user. She insisted she wanted to talk her. 
Now my money is Goldman Sachs Savings and I can not do anything. My wife is in XXXX, XXXX XXXX. I dont know what to do. Now I am worrying my money. One third of my savings are jeopardized to lose it. I am beginning to understand the risk of using internet banking. 
I want all my money to be transferred to XXXX checking account if it can be solved. I dont want any money in Goldman Sachs bank . Goldman Sachs bank is very dangerous bank. They manipulate computer and they bring in any amount of money from other banks but they dont want to send any money to other banks. 
I thank you XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX we took out a 15 year mortgage of $ XXXXXXXX4.875 % annual interest rate. The lender bank was XXXX sold and the current lender is PNC Mortgage. 

180 monthly payments were {$2900.00} plus current local realty taxes of {$670.00} = $ XXXX/month. We have a current principal balance of approximately {$120000.00}. BUT we missed XXXX payment in XXXX XXXX. Ever since, PNC has assessed us a late charge of {$140.00} each month. PNC is demanding a total of {$8100.00} ( {$7300.00} for XXXX monthly payments and {$660.00} late charges. [ I know this does not add up ] ) before we can put our mortgage on an even keel. 

PNC refuses to consider extending the term by XXXX month to XXXX XXXX, which makes is impossible for us to catch up. 

Is the CFPB able to help us?
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an XXXX XXXX account ending XXXX in my Equifax credit file XXXX As result, Equifax disputed the payment history. Equifax responded on or around XXXX XX/XX/XXXX claiming XXXX verified the prior payment history was being reported accurately. XXXX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. XXXX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which XXXX would then be able to charge-off an account. Moreover, if XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect XXXX to XXXX information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, XXXX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history XXXX provided indicates. It shows the status first reported XX/XX/XXXX. Just because XXXX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. XXXX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. Equifax has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation Equifax can provide that argues false/misleading/inaccurate data is " accurate. '' Now, Equifax claims in the response they provided non-monetary relief, claiming " Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then Equifax would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. Equifax has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.
Product: Credit card

I am writing about the privacy notice I received along with my new Chase credit card. The notice informs me that I have the right to " limit '' the personal information about me that Chase shares with its affiliates and non affiliates. My concern is that the document never defines what it means by " limiting '' the information it shares. What does it mean to limit sharing? How much of my personal data will still be shared if I opt in to limit sharing? Given the language is so vague I am assuming they are still sharing some information about me with these parties.
Product: Credit card or prepaid card

I applied for Wells Fargo active cash card with the promotion of cash back and 0 % APR for first XXXX  months. I have already fulfilled the conditions for cash back bonus but I haven't received my cash back bonus yet.
Product: Credit reporting or other personal consumer reports

I previously disputed and successfully removed XXXX XXXX XXXX XXXX  accounts from my Equifax credit report. However, Equifax reinserted these accounts without notifying me in writing within five business days, violating FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, Equifax must notify consumers in writing when reinserting deleted accounts and provide verification from the original creditor. I was never notified, and Equifax has failed to provide any proof of verification. 

Desired Outcome : Immediate deletion of both XXXX XXXX XXXX  accounts. 
Written confirmation that these accounts have been removed permanently. 
A full investigation into Equifaxs improper reinsertion practices. 
If Equifax does not comply, I will pursue legal action for their FCRA violations.
Product: Mortgage

There is a prepay penalty for paying off loan early. I have paid the XXXX required payments and now they are forcing me to wait till after XX/XX/XXXX to request a payoff this forcing me to pay extra interest
Product: Credit card or prepaid card

My Chase Bank online statement lists balances for checking, savings, and three credit cards ( old and new ). On XX/XX/XXXX I saw balance for card ending XXXX was {$0.00}. But I had XXXX reward points ( equivalent to {$540.00} ) and the statement showed 0 points. 
I called Chase and said I wanted to claim points but they were not on my statement. 
XXXX said they would follow up and get back to me. 

Chase letter of XX/XX/XXXX said the card ending in XXXX was closed by the bank on XX/XX/XXXX. As per terms and conditions of the reward program, if the account is closed for any reason the reward points is forfeited. 

I protested an unfair situation on the phone and visited my Chase Branch and received no satisfaction. Called again by Chase on XX/XX/XXXX and told they would not give me my points ( money ). 


I have a very active checking, savings account and a very frequently use my preferred Chase credit card for which I pay an annual fee of {$95.00}. 


I had no reason to believe Chase would close card XXXX and CONFISCATE my XXXX points since I am an active Chase client always in good standing. 

I never have been provided a copy of rewards terms and conditions. 

Chase never told me that my reward points were to be confiscated. They never offered to send me a check. They never offered to transfer my reward points to my very active Chase Sapphire Preferred card. 

Chase has policies that are self serving and lack adequate protection for clients in my situation. 

Chase had ample opportunity to notify me so that I could protect my reward points. I receive statements every month and I call the card center on various occasions. Chase was there to confiscate my {$540.00} but not to responsibly give me the opportunity to collect the reward I earned. 


My statements did not clearly show reward point status for card XXXX and online reward points are not show except buried on subsequent screens. 


Please get Chase to restore my CONFISCATED points ( {$540.00} ) on the card they closed for no valid reason. 


Please get Chase to initiate policies that also protect the client and not only them.