23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain credit report about my own self from Experian by phone, online and various ways. On the phone, was told that all was fine and to pick which report I want. i said Experian. Was told report would come by mail. Then, by mail, Experian denied the request for its usual reasons ... illegibility or not proof of identity. I have prior documents showing them participating in illegal server transactions I want to prosecute them and/or class-action them. 

BTW : it is against the law to deny the individual their free annual report. Against the law to falsely accuse that individual of a crime. Using the name I gave and my home address, both supported with passport ( federal ) and driver 's license ( State of Florida ) in my possession, Experian mailed me the  denial notice which is evidence that the information that I provided was neither illegible nor incorrect. USPS delivered it to me at home with the address I had provided for report. ( USPS is gov't agency XXXX. To doubt my word that I am the individual named by me is to call me a criminal. Since I can prove that I am me, it is Experian who is committing a crime. 

I demand that Experian be investigated in my case.
Product: Credit reporting or other personal consumer reports

I am in the midst of a dispute between myself and my former landlord, XXXX XXXX XXXX. I left my former residence at XXXX XXXX in XXXX XXXX, CA in XX/XX/year>. I executed all of my duties as a tenant to leave the residence in as good of a condition as I found it, and to inform the landlord of all necessary items. Upon my departure, XXXX XXXX XXXX refused to return my {$600.00} security deposit back to me. Additionally, XXXX claimed that I left the residence in a condition unsuitable for future tenants that required extensive maintenance and repair. On top of the confiscating of my security deposit, XXXX laid on additional fees, without my consultation or consent, that they demanded to be paid. I attempted to contact XXXX to resolve the matter at multiple points, to which they never responded. Left with no other recourse in the face of paying unjust fees and walking away from my security deposit, I sought legal advice on the matter. I am now suing XXXX XXXX XXXX for the events I just described. In response, XXXX logged an adverse hit to my credit report. Per the express rules of litigation and numerous federal and CA state laws, actions of this nature are prohibited. I disputed the credit report that XXXX filed with TransUnion, the credit reporting agency. TransUnion 's investigation sought to only verify the existence of the report, not the legitimacy of the report existing on my total report. TransUnion 's only recourse left to me was to report to CFPB. In this request, I would like CFPB to consult with TransUnion about the fact that this hit to my credit was not removed per my request. Additionally, I would like CFPB to investigate the practices of XXXX XXXX XXXX, as they appear to be acting in an illicit manner towards their tenants. Thank you very much for any and all assistance rendered in these unfortunate circumstances, and I wish you a very happy holiday season. All the best, XXXX XXXX
Product: Student loan

I was a student at Indiana XXXX XXXX XXXX until XXXX XXXX. After this, I began paying my monthly payment to XXXX XXXX Loans at XXXX dollars per month. After six months, and XXXX other student loan payments I realized that I needed assistance in repayment. I contacted XXXX to be told that they has sold my loans to AES. 

Upon contacting AES, I registered and agreed to their three month reduces payment program. The program allowed me to make half payments of XXXX dollars for three months. This phone call took place on the XXXX/XXXX/XXXX. The woman on the phone explained to me that my payment due on XXXX/XXXX/XXXX would be included in the program, and if my online statement had not changed, that I would need to call back on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I check my online AES account and see that I have no due balance. I contacted AES customer service, and was told that my XX/XX/XXXX payment had been covered by a forbearance and that my half payment program would begin on XXXX/XXXX/XXXX. The details of what I was told have been documented by AES, and I have spoken to numerous supervisors about this. 

Believing that I did not have an XX/XX/XXXX payment, I received a letter around XXXX/XXXX/XXXX explaining that my loan was 14 days past due. I immediately called AES and explained the situation. The supervisor first explained to me that he was sorry for my misinformation but that I do in fact owe money. I asked the company if they allow their customers to be misinformed and then held accountable for their own mistake. The supervisor then informed me that he would submit my account for review, and that in 5 days I would no longer be past due. 

Two weeks passed and my account still remained past due. I then called AES again that they informed me that there is no 5 day deadline and I would have to wait, but that they would be turning my information to a collection agency. Afraid, I then had to make a XXXX dollar payment. XXXX for XX/XX/XXXX, and my XXXX for XX/XX/XXXX all at one time. ( Defeats the purpose of saving money through the reduced payment program. ) I have still been trying to contact AES and have yet to receive any answers. I believe that it is horrible that a borrower calls the company to pay any payments to avoid default, is misinformed and then held accountable for the companies mistake. I would like answers.
Product: Student loan

Last year a company contacted me via a non-ring voicemail. This company posed as XXXX XXXX XXXX over the phone, so I called back. He later said/sent email after I gave him my social that he worked for XXXX or ( Student Loan Financial Association. ) I followed the directions to cancel this contract, but they included a bogus address and my paperwork was sent back to me. I froze my credit and reported them to the US Department of Education, my bank, XXXX and my loan provider. I have blocked them from harassing me and just received another call today from a XXXX Voice number based in XXXX, SC. I keep all the voicemails. Im so sick of them. DO NOT under any circumstance give information to anyone who is posing as XXXX. Contact XXXX directly by phone or email to verify that they are actually trying to get in touch with you or have a desire to help you. XXXX and XXXX warn against using companies like this on their homepage. Never share your social security, bank information or address over the phone.
Product: Credit card or prepaid card

XXXX XXXX XXXX : 1. Failed to process SCRA requests multiple times 2. Stopped sending statements to my address 3. Denied access to online accounts ( locked account ) 4. Charged off account
Product: Money transfer, virtual currency, or money service

I was recently a victim to a scam. I paid XXXX dollars through Zelle with the expectation that I was going to get that money back ( according to the scammer ). After the money was sent, I was threatened and extorted for more money which is when I got the authorities involved. My other XXXX  XXXX XXXX claims are still being investigated but this one was denying giving my money back. This transaction occurred on the XXXX of XX/XX/2023. XXXX held an " investigation '' but nothing was resolved.
Product: Credit reporting or other personal consumer reports

I am dispute inaccuracies on my credit report concerning an account reported by XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) mandates accurate, complete, and verifiable reporting, but this account violates several provisions of the FCRA. Below, I outline the specific issues : 1. Discrepancies in Reporting Comments Across Credit Bureaus : XXXX : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution.

These inconsistent comments suggest that the dispute status was not updated or resolved uniformly.

2. Late Payment Reporting on a Closed, Paid Account : The account is marked as Closed and has a {$0.00} balance, but there are repeated 30-day late payment marks in the payment history. Late payments should not appear on a closed, paid account if they are inaccurate or unverifiable. 3. Failure to Update or Remove Dispute Comments Afte
r Resolution : The comments imply that the dispute was either not properly resolved or updated across all credit bureaus. This can mislead potential creditors.

4. Inconsistent Reporting Dates : The last reported date varies between XXXX ( XX/XX/year> ) and Equifax ( XX/XX/year> ), which creates inconsistency. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to maintain accurate and consistent reporting. The discrepancies in comments and dates violate this provision.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved, the credit bureaus and the creditor failed to update the account and remove dispute comments, which is a violation. 3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate or Misleading Information : The creditor may be reporting unresolved or incorrect dispute informati
on, as well as late payments on a paid, closed account.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Late payments reported inaccurately or beyond the permissible time frame violate this section.
Product: Credit card or prepaid card

Hello, When I created my account to apply for unemployment, I was automatically given a XXXX XXXX account and issued a card. I switched it immediately to the bank account I currently have. 

When I called the unemployment line, it asked for my social security number, I entered it, and was immediately routed to my account balance. 

I have been denied unemployment, so I do not have an account balance, and I was not told I would be given the account balance, or charged a fee for being given the account balance information. I received a bill in the mail, for inquiring about my account fee, for the XXXX XXXX card, even even though I was denied unemployment, and have never activated the card or account. My unemployment was set up for my current checking account. 

The company that issued the card has an automated phone line, and I am unable to get through to anyone. I do not know what to do or who to contact, but this seems very illegal. 
I also do not want to be delinquent on a bill for an account that I don't have, and XXXX XXXX can't find any information on the account, when I call them. 

I would like to report this as a fraudulent activity, and I would also like to know who to contact to get the fee waived. It is small, but as I don't have any unemployment, I can't really spare {$0.00} I also don't even know how I would pay the fee, since I am unable to get a hold of anyone. I also don't want to be charged late fees, for an account I don't even have. 


The company is EPPICard, their phone number is XXXX Their Address is XXXX XXXX XXXX XXXX, TX XXXX The bill states that the fee was incurred during XXXX, and posted on XX/XX/2020. 

Again, I never inquired about a balance, and should not have had a card. I called the New Mexico unemployment line, which immediately asks for your social security number, after confirming the call is in reference to unemployment. 

The phone number for New Mexico unemployment is XXXX have not been able to contact unemployment to discuss this, and I am afraid to call their number, because I do not want to be billed for calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 inquiries that I didnt approve of and I didnt have any knowledge of inquiring about none of these. Would like to get them removed from my credit report please. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I signed up with a promotional code offered by Citibank offering XXXX AAdvantage Miles ( XXXX XXXX ) for opening a CitiGold checking account and completing a few requirements, eg. Making {$1000.00} in debit card purchases and using their billpay system in two consecutive months. I opened the account using the promotion code, and I sent Citibank a message through their online banking to confirm the offer was applied to my account. I received the following response " I have contacted XXXX ( XXXX ) on your behalf and I have confirmed that your account was opened with promotion : XXXX -Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
-Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the Citibank Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

XXXX XXXX, I am confident that this information will be helpful for you. I would like to personally thank you for your business and we appreciate having you for our customer. We look forward to serving you for many years to come! '' This secure message confirmed to me that the account was opened correctly and the promotion was active. Upon completing the requirements I contacted Citi again to confirm the requirements were met their response is as follows '' XXXX XXXX, I understand you will like to know if you completed the requirements for the promotion you used when your account was opened, my name is XXXX and I will gladly explain if we can expedite the bonus miles and confirm if you completed the requirements. 

I am glad to see that you completed the requirements in this month of XXXX and I happy to hear that you will be planning a trip soon and you will like to use the bonus miles, however we are unable to expedite the bonus, Citibank needs to make sure that all our clients fulfill all the Terms and Conditions for our promotions equally and fairly. '' This message went on to explain more of the terms and conditions which confirm that I was eligible as I received this offered code and I have not been a Citi account holder in the previous 60 days. 

I it has been more than 90 days since I completed the requirements of the promotion and the AAdvantage miles have not posted. I have tried to contact Citibank but they continue to respond with vague promises to respond and no resolutions, they refuse give time frames or confirm the date I will receive the miles and I have to date not received the promotional miles. 

Citibank through two separate secure messages confirmed the promotion was applied to my account, and confirmed I met the requirements for the bonus. They are now trying to deny awarding this bonus to me. Citibank is acting fraudulently and are trying to get out of awarding the bonus.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and XXXX for failing to correct clear inaccuracies in my credit report despite multiple attempts to resolve the matter directly with them. 
XXXX : Incorrectly reports 30-day late payment on my account. 
XXXX : Incorrectly reports a 30-day late payment on my account. 
Equifax : Incorrectly reports a 60-day late payment on my account. 
These late payments are false. I have provided supporting documentation, including screenshot statements, proving that all late payments were inaccurate. The credit bureaus have failed to correct this information, which is damaging my credit score and violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that my report be accurate and complete. 

I demand that the CFPB intervene and ensure that Equifax and XXXX : Correct these errors immediately and update my reports to reflect that these accounts were paid on time, never late. 
Provide me with written confirmation of the corrections. 
If this matter is not resolved swiftly, I will pursue further legal action. Please investigate and ensure compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX XXXX my credit report. I am never lived there.
Product: Mortgage

On Monday XX/XX/XXXX. XXXX XXXX a signing notary agent made tan appointment for my closing to take place on Monday at XXXX changing it later to XXXX due to a conflict on her part. I requested all documents for review before signing. I noticed on the final disclosure statement charges that were questionable and appeared inflated to increase my closing cost. Credit report fees totalling {$110.00}, BPC fee {$200.00} that the Title company agreed to refund thru my attorney in a follow up email. Recording fees {$160.00}, Settlement fee was increased by {$100.00} from the initial disclosure from {$750.00} to {$850.00}, Title Search and Review fees totaled {$700.00} and my Title Insurance {$620.00}. The closing cost due not appear in accordance with North Carolina regulations. The Title Company Equity Settlement Company has a general affidavit that I signed noting on line 14 of their affidavit states to determine eligibility for a discounted+premium, provide the Title closer with a copy of any title insurance policy issued to the property within the past 10 years or the closing statement confirming payment of a premium for prior title insurance policy, and the policy amount, and evidence of the amount due on the exist mortgage being refinanced. On XX/XX/XXXX I forwarded to Ms XXXX the Title closer a copy of my closing document to which she replied speak to my loan officer. On XX/XX/XXXX I questioned the issue of the discount and supplied my closing document from XXXX and it was disregarded. Furthermore Ms XXXX the Title closer or another person forged my initials on the COVID-19 Certification document after my signing, this is not my hand writing. I provided a cancelled check to Ms XXXX for the deposit of my cash out into my checking account. The cancelled check appears in the final copy of documents I received from Mr XXXX of XXXX. Because this closing was handled poorly I incurred late charges and penalties as well from my creditors as the checks were dated XX/XX/XXXX, I closed in NY and Equity Settlement was well aware of this and mailed all the checks to my NC residence left it at my door provided me with a receipt alleging it was shipped and billed on XX/XX/XXXX when the checks were issued and dated XX/XX/XXXX delivery was on XX/XX/XXXX. Equity Settlement is practicing unfairly as a Title Closer charging fees that are not required in North Carolina especially on a refinance of a property already owned by me in NC. I feel they are discriminating towards people of XXXX. Equity Settlement has violated their own affidavit they had me sign. Im requesting a refund of the charges that are not required by NC Mortgage laws and my residence should not be subjected to NYS Mortgage laws. Furthermore I was not provided with the final disclosure until my signing of the documents on XX/XX/XXXX.
Product: Debt collection

I paid {$1000.00} on XX/XX/XXXX. {$830.00} was put towards one debt for XXXX villa apartments and was paid in full. The remaining payment of {$160.00} was added towards a remaining balance for another debt at XXXX apartments. I then called back the same day and asked to just pay the remaining balance owed in full. The gentleman then told me the remaining total was {$140.00} with 10 % off original balance of {$510.00}. I didn't question it, as I requested to pay the remaining amount. He then told me that my account was closed and paid in full and that he would email me a receipt. I also received a confirmation number for payment. 

Today, XX/XX/XXXX I checked my credit report and saw I had a remaining balance for {$270.00} for Genesis Management. I then called Genesis and asked why I had a balance of {$270.00} when I was told my account was paid in full and closed. They then stated to tell me they made an error and needed to collect {$270.00}. I do not believe that is fair, I called to pay the full amount and was given the amount of {$140.00} as the remaining balance. They are refusing to close my account until I pay the {$270.00} and will not allow me to speak to a manager.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/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