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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ACCNT XXXX XXXX XXXX ACCNT ACCNT XXXX XXXX XXXX ACCNT : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I looked at my XXXX credit report on XXXX XXXX and noticed somethings 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 individuals about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation s under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 15 USC 1681s-2 they are supposed to 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: Vehicle loan or lease

In XXXX of XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX PA. This vehicle was financed through PNC Bank of XXXX. On XX/XX/XXXX, I contacted the bank for the amount of the total payoff. I was told that the payoff was {$25000.00}. I withdrew the money need for the payoff out of my personal bank account and purchased a cashier 's check from XXXX XXXX  in XXXX XXXX, for the amount of the payoff and sent it to PNC Bank.I have the bank statements to prove that this transaction was made. On or around XX/XX/XXXX, I was contacted by PNC Bank and told that my payment was received and that I would be expected to receive my title within a week or two. Within the time of me making the payment and them calling to say they received it PNC Bank attempted to take {$38000.00} from my bank account. My bank did not allow the payment to go through as it was not an authorized payment. A year later PNC Bank stated that they never received my payment, so I sent all the paperwork I had regarding this matter. Another year went by with no contact, and they again contacted me stating they did not receive the payoff amount, so once again I sent all of the paperwork, I had to them. On XX/XX/XXXX, at about XXXX XXXX XXXX came and repossessed the XXXX XXXX that was paid for. When I contacted PNC Bank, they stated that the payoff amount was for {$25000.00}. But they attempted to take {$38000.00} and it was not approved. When questioned why they would try to take {$12000.00} more than the total payoff they did not have an answer. PNC Bank is now stating that they did not receive the cashier 's check for the payoff. They told me that they wrote off the account and sent it to collections within the recent months. We also asked why if no payment was made why did they wait three years to do a repossession on the XXXX XXXX and their reason was they could not find it although it was always parked at the address on the title, insurance, registration, and loan agreement. The loan was in XXXX XXXX name, who is my mother, but I made all of the payments on said vehicle.
Product: Credit card

I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and XXXX checks with a credit line of {$18000.00}. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer balance fee of {$540.00}. I had no idea that after following their instructions I was making a balance transfer. In essence I was making a deposit in my checking account, not transferring money from XXXX place to another. Representative insisted that was a balance transfer. I feel that was misguided and I was given wrong information on what to do with the check. I realize there are transfer fees when maybe transferring a credit card bill or other expense to another card, but I did not do that. I simply made a deposit as instructed. Now my bank account has a negative balance and I can not use my account on a holiday weekend until the bank gets back the check and releases my funds. My complaint is that nowhere on the check did it say this check was a balance transfer, in the paperwork it stated fees applied if I used this credit line as a balance transfer. I now find out from Citi that whether I use the check or the card thee is a balance transfer fee. Therefore false advertising of XXXX % for XXXX months is a mere smokescreen as to we charge you in other ways. More importantly, I followed the advice of the representative of Citi named XXXX who guided me to deposit the check and pay contractors with my own checks. I feel I am wrongly charged the {$540.00}, and I dispute that charge on the grounds of unclear wording and misguided advice. Also to misleading the consumer and leaving out XXXX important warning that if I did deposit it into my own checking account there would be a fee. I would never have done that had I known! I am asking for your guidance in this matter and I would like the public to know to be careful when using this service from Citi Bank without finding out what hidden fees XXXX apply, or any fees for that matter. I am a widow on a limited income, which is why I applied for this so I could stretch the payments over XXXX months. Unfortunately it was raining inside my house so I was forced to get a new roof, I totally could not afford XXXX.
Product: Money transfer, virtual currency, or money service

I Will be filing a complaint against Cash App ( Block , Inc ) due to inefficiency in customer service. They had no customer support and I have been scammed multiple times and tried to get a refund and never did because the process is so hard. I can provide screen shots if needs, i always tried to fix the problem with them first. The actions caused significant inconvenience and financial loss for me. I seek appropriate redress for these violations. They did not take the measures that needed to be taken when fraud happend to me multiple times. The dispute process did not respond to the EFTA and Regulation E.
Product: Mortgage

I provided payoff funds for my Bank of America mortgage on XXXX XX/XX/2020. However, I inadvertently did not disable the automatic mortgage payment to Bank of America from my XXXX XXXX checking account. As a result, a payment of XXXX was made to Bank of America on XXXX XX/XX/2020. From that time, I have been endlessly trying to get Bank of America to refund the payment. I have made over a dozen calls to BoA each with a hold time in excess of one hour to speak to a representative. Each time I am told that it is being taken care of or that I will be " called within three days ''. BoA has never returned a single call or made any effort whatsoever to return the funds. I filed a bill pay  claim with XXXX XXXX and am told that XXXX XXXX is not able to reach anyone from BoA. I also filed a claim with the Office of the Comptroller of the Currency ( XXXX XXXX ) however they sent me a summary letter saying that CFPB had jurisdiction. This has been very frustrating because it's an incredibly simple issue but Bank of America has been completely useless at solving the problem and intransigent about taking any real action to solve the issue.
Product: Mortgage

The Condo that I manage received a Certificate of Title to unit XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL XXXX because the owner did n't pay maintenance dues. The unit stinks up the hallway and the a/c does n't work so mold will cover the unit soon. Not to mention the abundant amount of live roaches which will eventually make their way to neighboring units. Is there a way to speed up the bank foreclosure?
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent Experian a certified letter asking them to reinvestigate ( 4 ) 30day late payments that is being reporting on my credit file by this company XXXX XXXX who I have a personal loan with. I provided Experian with statements that showed that I was never late with my payments and that this company is reporting my payment history inaccurate. Not even 30 days later I received a letter from Experian saying that my payment history was verified. How was it verified? I sent Experian another certified letter on XX/XX/year> requested the method of verification they used to verify these late payments and I have yet to receive anything from Experian. I know I have rights as a consumer and I want these inaccuracies removed from my credit file. It is not right and these inaccuracies are hurting my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Student loan

My student loan servicer, EdFinancial automatically puts my payments towards interest instead of towards the principal. Since 2012 and before the Covid pandemic, I have paid {$9100.00} but only {$2700.00} has gone to my principal. The rest has gone to the capitalizing interest. How will I ever pay down my loan if my payments don't even cover the monthly interest and that amount gets added to the loan growing it even more? The system is corrupt and taking advantage of student borrowers. 

The issue was when my loan was private with EdFinancial. I have since moved it over to be a Federal loan with EdFinancial when the pandemic hit. The account number provided is to the current federal loan but you should be able to find my history from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit XX/XX/2019. Found multiple collection accounts listed from a hospital that I have been to. The dates listed were within the last four years that I have been covered by Iowa XXXX. So I went and asked for a statement that shows my history of visits and the billing that took place for the services. There are only 4 balances due. Equifax has 15 individual balances that not only do not match the balances. The dates, account numbers, and actual visits are not correct either. The hospital provided me statement for proof. XXXX and XXXX disputed it immediately. Equifax however is not providing me a way to dispute this. I have called a dozen times and I get no where for a long in. I asked if I could fax the documents, mail the documents, or what can I do to fix this. I keep being told they need to further verify my identity even though I have an account with them. This isnt right or fair. I just need to fix this. I work hard for the little bit I have been blessed with. I'm just trying to protect my future. Please and Thank You!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and concern regarding the accuracy of my personal information on file with your esteemed institution. Upon reviewing my credit report, I noticed several discrepancies that have raised doubts about the completeness and accuracy of my records. Specifically, I have discovered inconsistencies in my identification details, Social Security number, and proof of address, which I have enclosed with this letter for your perusal.

I would appreciate it if you could investigate this matter and take appropriate measures to update my personal information in a timely and accurate manner. Your assistance in this regard is essential to maintain my trust and confidence in your institution. 

Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Employer XXXX XXXX XXXX Incorrect DO XXXX As per the FTC and FCRA laws and regulations, any inaccurate and outdated information must be immediately deleted from my credit report as it is not reportable under the FCRA since it is incorrect. The only personal information that should be reported on my credit report includes : My current address : XXXX XXXX XXXX, XXXX, Michigan, XXXX My name : XXXX XXXX Social Security number : XXXX Date of birth : XX/XX/year>
Product: Checking or savings account

I recently opened a joint checking account with M & T Bank with my husband, and I am in the process of transferring from my individual M & T checking account to my joint account. On Friday, XX/XX/2020 I disabled the overdraft protection feature on my individual checking account with M & T. Following this action, 2 transactions were completed resulting in a negative account balance as well as 2 insufficient funds fees. I contacted M & T on XX/XX/XXXX asking for a removal of the insufficient fund fees, and notified them of my intent to pay the outstanding amount, though I did not wish for it to be transacted from my bank account. Unfortunately, the two people that I spoke with informed me they would not be able to do so because they have previously reversed overdraft fees. However, half of the incidents of reversal of overdraft fees were erroneous, as there were funds available during the time the transaction posted. I would like the overdraft/insufficient funds fees removed from my account, as I have willingly paid them many times while experiencing financial difficulty and banking with M & T. Not to mention, I specifically requested for this feature to be removed from the account, but my request was ignored.
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I previously filed an Identity Theft Report addressed to Experian due to their persistent reporting of an invalid and erroneous account under my name. I marked it as a fraud account because my XXXX account is paid off, as confirmed with the original creditor. I called them personally, and there have been no delinquent payments for the past 5 years of having this account. Any use of my personal information without authorization constitutes fraud and impostor activity, violating my privacy. 

I want to highlight that my date of birth and address on my Experian account were incorrect. I've attached my driver 's license ID and current proof of billing as substantial evidence that the address they reported doesn't match mine. Lastly, please correct and eliminate the misleading and inaccurate report of the account below : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Purchased by another lender & Duplicate account This account has been disputed and removed from XXXX due to the present issue. 

But still remains on my XXXX and XXXX reports. 

Inaccurate credit reporting, as the information being reported is not up-to-date and misrepresents the credit history. 

Failure to accurately report the transfer of ownership. 

Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " 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 or other personal consumer reports

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX the Capital One made a chargeback of {$1300.00} on my credit card due to a dispute I have initiated against XXXX XXXX XXXX however on XX/XX/XXXX the Capital One had it reversed into my account as " purchase adjustment ''. At that time I was told to send more documents yet to be mentioned in a letter that I was going to receive a few days later if I wanted to keep the dispute on. On XX/XX/XXXX by Capital One request, I had sent a fax with 10 pages to the number ( XXXX ) XXXX therefore I never received any follow up from Capital One about my dispute case. Later on XXXX, XXXX I called them and I was told that they were not able to see any fax recorded into my account and so they emailed me a link to have the requested documents ( attached below ) uploaded. Once more, I never received any follow up from them yet I was told to wait for their answer at many calls originated from me in order to have more information about it. That said, I made a call on XX/XX/XXXX and asked to speak with a manager thus I was told by a manager XXXX ID XXXX that my case was over and no option was left for me. It is unacceptable since by the Fair Credit Billing Law, I have 60 days to dispute a case.
Product: Mortgage

I submitted an application for a rental property in XXXX, VA and was denied for " Lack of sufficient relevant real estate account information ''. Attached to my application was a statement showing where I paid a mortgage to XXXX XXXX XXXX XXXX. The rental application further indicated that XXXX continue to pay taxes on the property known as XXXX XXXX XXXX XXXX, VA XXXX ; refuting that there is a lack of relevant real estate account ( s ) if properly researched by XXXX XXXX beyond a credit report and based on the information and attached documents on rental application.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX