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

This account was previously removed by all three credit agencies XXXX, transunioun and XXXX.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX   balanceLXXXX account # XXXX
Product: Mortgage

XX/XX/2020 To Whom It May Concern, I have a refinance with Right Start Mortgage. When I got the refinance in XX/XX/2020, it was to pay off a solar panel loan that was attached to my taxes. I was told that the taxes would be reset to the original amount when the loan was funded. The taxes with the solar panels on was {$4600.00} and without them it should be around {$2400.00} a year. Then I got a reassessment for my escrow account in XX/XX/2020 that showed the old tax amount. Right Start Mortgage did not change the tax amount and is not trying to get almost {$300.00} a month more, which I can not afford. I was struggling to pay the payment before this excessive increase due to Covid-19 which caused me to have less hours at work. I contacted Right Start about the reassessment being incorrect and they said they could not change it until they received a tax bill from the assessors office. Why did the broker promise me that he would reset the taxes, when it looks like they could not do that in the first place? I feel it was a bait and switch to get me to go through with the refinance. I informed the representative at Right Start Mortgage Loss Mitigation that I would need to be put on the forbearance plan because they  messed up my loan and I could not afford the new payment amount. I was told on XX/XX/2020 when I contacted them that I would be put back on the plan. I thought things were going as they said. So I waited to get the packet they were suppose to send. I didnt receive it as of XX/XX/2020, so I called on XX/XX/2020 and the representative informed me I had been in a forbearance plan and it ended XX/XX/2020. I asked her how could my forbearance be ending date of XX/XX/2020 when I had requested to be put back on the forbearance plan in XXXX. The Right Start representative stated that she saw that I had called in XX/XX/2020 and that they were suppose to set me up for the forbearance and did not complete it. So on XX/XX/2020 that Right Start representative stated that she will get me back into the forbearance plan so that I would not get penalized for not being able to make the XXXX payment. On XX/XX/2020 I received a letter stating that I had recently informed them of my hardship due to Covid-19 and requested a forbearance plan. It states that I should have received a forbearance agreement. I did not receive and agreement and no one has called. I called on XX/XX/2020 and was informed that the payments have been suspended for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. I need to have my taxes reassessed to the correct amount for the mortgage payments.
Product: Credit card or prepaid card

Both my wife and I signed up for the Chase XXXX XXXX XXXX card in XX/XX/XXXX. At that time when you completed one year with the card ( and paid the {$49.00} annual fee per card ) you would receive a certificate good for any XXXX property in the world. Therefore, this year ( XXXX ) in XXXX we were set to receive this certificate after paying the {$49.00} fee. In early XXXX of this year we each received a letter stating that any certificate issued after XX/XX/XXXX would only be good at XXXX hotels valued at 40K points or less. This was pretty annoying because we had signed up with a different understanding. However, we know that companies reserve the right to change programs at will. 

However, we later discovered in a written communication with a Chase representative that " If a customer 's account was opened between XX/XX/XXXX and XX/XX/XXXX the this change doesn't apply to their account for the first year ''. See attached picture. Thus, someone who signed up AFTER we did would receive at least one unrestricted certificate. It defies logic that the company would reward people who signed up later than us to receive a reward from which we were being denied.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct late open accounts and remove late closed and charge off entries from my credit report. Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open accounts and the removal of late closed and charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

3. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

4. XXXX XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

5. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

6. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

7. XXXX XXXX XXXX Balance Owed : {$710.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with transunion is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my transunion score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX {$5800.00} XXXX XXXX {$530.00} XXXX {$32000.00} XXXX {$4700.00} XXXX {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistent with child support in the state of XXXX XXXX XXXX XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.
Product: Money transfer, virtual currency, or money service

I gave a 10 % down payment for condo in FL. The amount of {$27000.00} to Lennar. 
The deal did not go through and they still did not refund me my money and only communicate with me via sales person who does not know anything.
Product: Debt collection

Whom It May Concern, I received a XXXX  XXXX XXXX  alert. I saw that a company called Hunter Warfield , Inc fraudulently place a negative account on my credit report. I don't know who this company is and never had any correspondence from the Hunter Warfield , Inc. or a notice that the creditor they " supposedly '' representing is giving Hunter Warfield permission to contact me about anything. They have unlawfully reviewed my credit report without my consent.

For Hunter Warfield to do this fraudulent act and conduct their business operations unlawfully in the middle of the COVID-19 pandemic is distasteful and grossly irresponsible. They hope that while consumers are distracted by the shutdowns caused by the pandemic, they can sneak in their lying reports and mess up consumer 's credit score and livelihood.

Hunter Warfield is a disgrace, need to be charge and closed down!

Concerned, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

trans union has been fined and sued for reporting inaccurate information on credit reports. 
the consumer financial protection bureau and the federal trade commission reached a XXXX XXXX settlement with credit reporting firm. trans union violated the FCRA by failing to remove inaccurate records from consumer reports harming ability of people to obtain credit and housing. XXXX XXXX is reporting inaccurate information on credit report and XXXX is suing them because their card is back by XXXX XXXX. XXXX XXXX is not processing payments on time which is causing late payments on people credit report and affecting XXXX customer because they underwrite the XXXX card this means i am a XXXX XXXX customer and XXXX card holder with late payments and charge off because of XXXX XXXX not processing in a timely matter. i am disputing this with the sole purpose of immediately removing this XXXX XXXX charge off from my credit report. this is a lawsuit that XXXX is suing XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Payday loan, title loan, personal loan, or advance loan

The amount was paid off but it felt like they was putting more interest on the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Mortgage

We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.
Product: Bank account or service

In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a XXXX account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXX account XX/XX/XXXX XX/XX/XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from XXXX credit bureaus XXXX, Experian, XXXX pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax two dispute letters on XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Equifax failed to verify incorrect accounts on my credit report. Also, Equifax has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on credit report.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with their platform. Despite using Zelle numerous times and reporting discrepancies with my transactions, my financial institution and Zelle have both failed to adequately investigate my claims. This lack of action and transparency is deeply concerning. 

The findings outlined in the CFPB lawsuit reveal that Zelle has neglected its responsibility to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The platforms failure to address these issues properly and provide adequate support only exacerbates the risks for consumers. 

This lack of consumer protection and the lack of accountability from both Zelle and my financial institution are unacceptable. I urge the CFPB to take further action to ensure that companies like Zelle are held responsible for safeguarding consumers from fraud and other financial risks. 

Thank you for your attention to this matter.