23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.
Product: Checking or savings account

I have been charged a monthly fee for my Savings account by XXXX of {$5.00} in XXXX and XXXX. They said they would waive the fee if I had XXXX of the following : {$0.00} when you have any XXXX  of the following : A balance at the beginning of each day of {$300.00} or more in this account OR, {$25.00} or more in total Autosave or other repeating automatic transfers from your personal Chase checking account ( available only through XXXX or Chase Mobile app } ) OR, Chase College Checkings account linked to this account for Overdraft Protection OR, an account owner who is an individual younger than XXXX OR, a linked Chase Premier Plus Checkings, Chase Sapphires Checking, or Chase Private Client Checkings account I have a monthly auto save of {$75.00} Chase keeps refusing a correct the issue.
Product: Mortgage

Ditech took over my mortgage, and last month along with my house payment I also had a bill for an escrow shortage. I mailed a separate check for the escrow shortage, with escrow shortage written on the bottom, per their nasty customer service persons instructions. They applied it to my principal and REFUSE to allocate it where it belongs and send me a new bill for my house payment with the correct adjusted amount. I 'm tired of writing, calling and complaining. This just is n't right.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, I have checked my credit report on XXXX. And there was some accounts and inquiries that DO NOT BELONG TO ME. and currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I filed a dispute with Fith Third commercial banking. I noticed suspicious activity on my account. I had low funds and overdraft charges. I corrected that. But, I have no idea how much money is missing due to fraud. Then I noticed two unauthorized charges by XXXX pending {$5.00} which was cleared and pending {$2.00} which was posted on XX/XX/XXXX. 

So, I filed a dispute on XX/XX/XXXX since Friday is my day off work. The Case Number is XXXX. The representative says " there will be a credit of {$2.00} '' ... until " the case is investigated within 90 days. '' But, I am more concerned about my financial safety. 

Problem ( s ) : USPS has not been delivering my mail including bank statements and credit cards. XXXX account was recently hacked. I suspect someone has access to all that info. I called XXXX to file a complaint. The representatives there argued with me instead of actively listening, insulted my intelligence, and condescendingly acted like I don't know what I was talking about, then refused to assist after I could not provide the Fifth Third Bank XXXX previously connected to my XXXX XXXX transit account. I REMOVED ALL PAST CARD INFO FROM XXXX. I mentioned an old card number, however, it was the one ending in XXXX that I destroyed and closed out to have a new card reissued to me through the mail. The Representative says " XXXX XXXX was swiped to use the XXXX by accident. '' I do not like being lied to. I have been using my mother 's XXXX card and ordered XXXX XXXX to get to work on time and back home safely. 

As much as I would like {$2.00} refunded back to my account, I am closing out the Fifth Third checking XXXX. I changed to a new account. I also requested to issue a new card be sent to the Fifth Third XXXX bank location within 7-10 business days. Since I have not gotten my mail in 30+ days from USPS ... I must request all financial mail to be picked up at the bank in person and held at the post office so that I can pick it up in person.
Product: Payday loan, title loan, or personal loan

I loss my paper work, the date and the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a violation of my consumer rights. I am not liabe for the alleged debt with Account name : XXXX XXXX XXXX XXXX. / Account number : XXXX. The original Creditor, The XXXX  XXXX XXXX  charged off this debt and sold it to XXXX XXXX XXXX. I requested a Form 1099 -C from the original creditor but never received one. This is a violation because Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. This debt has now changed to income and must now be filed with my taxes. Ordinary income does not appear on your consumer report This means that the status of a Charge off is actually an illegal and fraudulent act and should not appear on any credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two letters for validation to XXXX XXXX XXXX on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to transunion credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX XXXX Ref # XXXX XXXX. XXXX XXXX XXXX XXXX Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from XXXX, XXXX or Experian, i did further research on the companies listed below. These companies are not licensed in the state of XXXX which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX went to Wells Fargo XXXX XXXX XXXX XXXX. XXXX Ga XXXX to deposit XXXX cashiers checks in my fathers account XXXX XXXX XXXX. ( I am his power of attorney ) One of the checks was made to my father and the other to my son. My son wanted the money to go to his grandpa. I deposited both checks in ATM XXXX at XXXX XXXX 
The receipt states it took both. Then later that night got a msg stating that the check that was written to my son is being held for fraud. Cashier check XXXX XXXX  # XXXX, Operator ID : XXXX, Serial # XXXX, Account # XXXX for the amount of {$18000.00}. I went to the bank the next day and because my sister is on the checking and I am on the savings they would not talk to me. Even thou I am Power of attorney. She then said the check would be mailed to the address it was being deposited in. My son went to the back and filled out paper work to get his check back and again was told the check would be mailed to the account it was trying to be deposited in. Me and my son went to the back together on XX/XX/XXXX and they were so rude to us and told us they could not help us. My dad has XXXX and living in a XXXX XXXX XXXX and needs this money. How can the bank keep a cashier check that belongs to my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my profile that didn't come from me. I suspect fraud and want them removed immediately and indefinitely.
Product: Checking or savings account

U S Bank has now closed tree checking accounts of mine two personal accounts and one non- profit account endind in XXXX, XXXX  and a federal 501 ( c ) ( 3 ) ending XXXX. U S Bank is engaged in forcing the accounts closed by placing the in default then not allowing the accounts transferred to go positive. 
On XX/XX/23 Us Bank send messages to XXXXXXXX XXXX there was problems with my accounts so any money transfered to XXXX XXXX must be place on hold. XXXX XXXX then locked my account for the hold for one week..

US Bank paid an ACH of {$1400.00} then paid too the Cash reserve XXXX U S Dollars then closed it did the same to all the accounts mentioned in this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from XXXX  XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are 1. XXXX  2.XXXX XXXXXXXX XXXX 3XXXX XXXX 4XXXX XXXX 5XXXX XXXXXXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Product: Credit card or prepaid card

Without getting any warning, XXXX XXXX XXXX XXXX closed my account of almost 29 years. The credit card had not been used for over a year, since it is my emergency card and I havent needed to use it. 

Ive asked them to re-open the account, but I get a series of excuses. Since this was a card without a yearly service charge ( a remnant of my of job with XXXX XXXX XXXX ) and I always paid it off monthly, I suspect that this it was deemed unprofitable to keep it open.
Product: Mortgage

Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Team, account # # XXXX I am reaching out to express my concerns regarding the late payment reports filed by XXXX and the subsequent investigationor lack thereofconducted by your agency. Despite my efforts to rectify this matter by submitting the appropriate documentation, Shellpoints inaccurate reporting persists on my credit report, and your agency has yet to take corrective action. 

Your email notification outlined a process where TransUnion reviews the furnishers response to determine the next steps, including the deletion or modification of information if it is found to be inaccurate, incomplete, or unverifiable. However, it seems this process has not been followed in my case. 

Here are the specifics that need your immediate attention : XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment for XX/XX/XXXX. 
This report lacks credibility as there are no preceding incremental late payment reports, such as XXXX, XXXX, or 90 days late, which should logically lead up to a XXXX late status. 
XX/XX/XXXX XXXX XXXX Report : In XX/XX/XXXX, another XXXX late payment was reported by XXXX. 
Similar to the previous instance, there were no prior reports of incremental late payments. 
XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment in XX/XX/XXXX. 
This report is also questionable due to the absence of preceding late payment reports. 
The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate. The discrepancies in XXXX reporting and TransUnion failure to remove these inaccuracies from my record suggest a breach of this requirement. 

I urge TransUnion to conduct a proper investigation, taking into account the detailed information I have provided. Should this issue not be resolved promptly and accurately, I am prepared to take legal action, as I have previously done with XXXX. 

I trust that TransUnion will address this matter with the seriousness it deserves and look forward to seeing the necessary corrections reflected on my credit report. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



Please review