23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold twice to new Servicing Banks. Each new Servicing Banks ( Regions Bank and XXXX ) did not offer a bi-weekly payment program. This program is of great interested to me. To manage this lack of service I chose to pay at least 1 month ahead in full and early. After the additional payments were made I submitted partial payments equal to more than half of my monthly mortgage payment intending to create my own bi-weekly payment program. 
I was told that the bank can not accept partial payments even if the payment history is caught up and future payments were already paid. They said any additional payments would go to principal. Since in order to leave the servicing bank I would need to refinance I have no choice but to be forced into living with these unacceptable banking practices. 
To me this is clearly not in the interested of the borrower and is intended to make it harder to pay down the loan early. The excuse that they can not hold a partial payment because of technical reasons is unacceptable. 
I do n't believe that this " Common Industry Practice '' is appropriate or even ethical. If a borrower is up-to-date and ahead on payments they should have the right to pay partial payments on a bi-weekly basis to help with budgeting and early pay down of the loan. 
A consumer should not be forced to stay with a bank because their loan was sold if they do not like the agreement. The consumer should have the right to change banks without cost to them if they do not agree to new payment limitations. At the very lease a consumer should have a say as to what happens to their extra mortgage payments without the constraints of bank procedures that are not in the clients interest.
Product: Debt collection

On XX/XX/2023 I started to receive calls from this company and when I answered the phone I told them not call me again. I have never received anything concerning a debt from this company before they started calling me. I had to look up what this company does. I have received XXXX calls from them at telling them on the phone " NOT TO CALL ME ANYMORE '', which under the law they have to. I don't ever want this company to call me again and if they say I have debt with them, tell them that they never sent me anything concerning before they started calling, as per the law, which they are required to do so. I have never been given the right to dispute any debt that this company is trying to collect.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/2020 I opened a savings account with Citibank, depositing {$15000.00}. This account was opened in response to a promotion ( Citibank Account Package ) that required that I also open a checking account, which I did. The terms of the promotion required that the minimum deposit ( {$15000.00} ) be held in either of the accounts for 60 days, at which time it would earn a bonus of {$400.00}. I followed all of the requirements of the promotion, but to date the {$400.00} bonus has not been credited to me. The exact terms of the bonus state " The Cash Bonus will be credited within 90 calendar days from the date you complete all Required Activities. '' The 60 day and 90 day requirements have passed, but no payment has been made. I have called Citibank twice ( XXXX and XXXX ) for clarification. On both calls I was passed from one department to another, only to have the call disconnected without any resolution. 

My wife has had the same experience with the bank ( she will be filing a separate complaint with you ), and the dozens of complaints written up by other customers as this site : https : XXXX  indicate that this reluctance to follow through on promises is widespread with the bank. 

I will attach a copy of the Terms and Conditions for the promotion ( which Citibank appears to still offer ) below.
Product: Credit reporting or other personal consumer reports

I have three inquiries on my Experian credit report that I did not do or authorize from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have one inquiry on my XXXX credit report as well that I did not authorize or do
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

statement of pertinent facts CONSUMER NAME : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX This complaint is being submitted to the CFPB to formally request, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block fraudulent information on my credit report within 4 business days of receiving this request.

The inaccurate and fraudulent information includes : A personal credit card account opened at XXXX on XX/XX/XXXX, under account number XXXX. 

An XXXX XXXX inquiry at XXXX XXXX  XXXX. on XX/XX/XXXX. 

Another XXXX XXXX inquiry at XXXX XXXX  XXXX. on XX/XX/XXXX. 


These accounts have led to multiple unauthorized hard inquiries and closed accounts appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my credit report from TransUnion that reflects these fraudulent items. 

I do not recognize or acknowledge these accounts or inquiries. They were not opened, initiated, or authorized by me and are the direct result of identity theft and fraud. 

Additionally, I have included a copy of my FTC Identity Theft Criminal Complaint ( Case No. XXXX ) as official proof from the XXXX Federal Trade Commission that these accounts and inquiries resulted from identity theft.
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 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Equifax as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX The original furnisher ( s ), the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX, do not report to any credit reporting agencies to include Equifax, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Equifax stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way Equifax reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Equifax also intentionally opened a duplicate FCRA Violation Dispute on XX/XX/XXXX ( XXXX ) to prolong this investigation, disconnected XXXX of my calls and sent me to the company 's survey questionaire while I was talking to a supervisor about the matter, and also kept my second call to the company of XX/XX/XXXX for more than 30 minutes after asking for a supervisor and also to speak to the Consumer Affairs Dept Rep who created the duplicate dispute on XX/XX/XXXX ( *See Phone Log Attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX  and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from CAPITAL ONE AUTO FINANCE and the second one from XXXX XXXX XXXX ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reference to my credit report on Equifax where it shows I have a inquiry thru XXXX XXXX, and I never applied to use or authorize to have my credit check.
Product: Credit reporting

Hello, Item reported below is not mine. I was never a patient of XXXX and never paid a XXXX. Reached out to Collection Agency listed and they have no record. Not my account. 

1. XXXX, - XXXX Also, I have never provided the name " XXXX ''. That is not my name. Also, I have never provided the address of XXXX Arizona to any creditor as I have never lived at that address. Please update and remove.
Product: Checking or savings account

skrillXXXX closed my account with no justification.. they took almost a month to block my money and account was restricted... Now when they closed the account and not responding to my message for my immediate fund refund request... I need my money to be refunded asap...
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the ATM to get 400 dollars off. I had to do 2 transactions for 200 each. I only have a little over 400 dollars in my cash app account. I went to the first atm. And when it went to give me the 200 dollars it said error and didn't give my money. So I went to the ATM beside it and done another transaction this ATM gave me the 200 dollars. I did another transaction which this one said insufficient Funds. I then checked my account and seen that I had been charged for the first transaction. I called XXXX XXXX  number on the atm and they told me that I needed to contact cash app that they had already reversed the money back to cash app. I couldn't get ahold of any number on cash app so I had to use the chat option. Which was no help at all. They had me do some sort of claim. About a week later I get an email saying that I lost the claim and it went in favor of the atm and I don't get my money back. I called the ATM back and they told me that is not the case that cash app had my money and that they did an eft and they was supposed to just reverse the money back to my account. The ATM said all cash app has to do is recognize the reversal and apply it..after about 50 chat attempt and XXXX  emails. They will not give my money back. I've tried I contacted the XXXX XXXX XXXX and told them about everything.. and at this point idk what else to do. I need my 200 $ I've tried since that day to get cash app to resolve this and the atm XXXX XXXX  if u call them they will tell u that they reversed the money back to cash app. Cash app refuses to pay it back to me. They sent an email saying that the final decision was made and I don't get my money back. And the atm said that's cause cash app did an eft when they should of done a reversal.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was scammed out of a puppy. I had sent the money for the puppy through Huntington Banks XXXX as then it was recorded and not just cash. I did not get a puppy and I want the {$550.00} back. Huntington refused the refund.
Product: Debt or credit management

I agreed a settlement with American Express and I need to show on my credit report the amount.
Product: Debt collection

Dear To Whom it may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 
2. Verification of their claim against I ( XXXX XXXX XXXX ) : that is, a signed Invoice. 
3. A copy of the contract binding between you and me in a letter by certified mail. 
4. Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
5. Equal consideration because you as the creditor brought nothing of value to the table. Lawful Terms and Conditions. 
6. Wet ink signatures between you and me. 

15 USC 1692a-5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My mother made a deposit in the month of XX/XX/2019, bound for XXXX and I was the recipient. The value was XXXX COP, I could not make the trip to XXXX so he went to request the disbursement of the money which the answer was that this was withdrawn in XXXX, when I never traveled. I have been trying for months to return the money but the company affirms that the process was indicated and it is easy to validate that I never traveled to XXXX and therefore there is no way in which the disbursement of the draft could be made. I want and demand that Moneygram give me my money back, I have tried in many ways but it has not been possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

numerous fraudulent accounts have been linked to my file that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Tried to dispute an account with Equifax that is closed and too old to be on my credit report The closed account is with XXXX XXXX XXXX. 

The process to dispute an account with Equifax is quite complicated, for me. 

Type Auto Responsibility Individual Remarks Charged off account.

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>. The CFPB alleges that Experian violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act by failing to properly investigate consumer disputes. 

Allegations * Experian failed to investigate disputes in a reasonable manner * Experian failed to forward relevant information to furnishers * Experian failed to provide adequate notice to consumers of dispute outcomes * Experian failed to delete inaccurate information from consumer credit files * Experian failed to prevent the reinsertion of previously deleted information * Experian failed to convey disputes to furnishers fully and accurately * Experian relied too much on furnishers to resolve disputes Consequences The CFPB seeks to : * Bring Experian into compliance with the law * Provide consumer redress * Impose civil money penalties * Prevent incorrect information from appearing on consumers ' credit reports * Protect consumers ' access to credit, employment, and housing Impact Errors on credit reports can have serious consequences for consumers, including : * Lower credit scores * Higher interest rates on loans * More expensive borrowing for cars, homes, and other needs
Product: Student loan

I received a notification from my lender fedloan serving on XX/XX/2022 that my loans were forgiven after previously being told that I had not made all the required payments. I XX/XX/2022 I called fedloan serving to request a refund of the payments made during the payment pause period related to covid I spoke with XXXX badge # XXXX I was told she would process my refund which was in the amount of {$5600.00}. I received a second notification of loan forgiveness indicating a different amount of forgiveness on XX/XX/2022. By XXXX XX/XX/2022 I had not received the refund and called and spoke to XXXX Badge # XXXX who indicated that I should have already received the monthly via direct deposit to the account I was making payment from she stated I should have received a payment for XXXX on XX/XX/2022 and another separate payment but she did not share the with me the amount. I explained that I received no such payments and wanted to speak to someone to discuss this further. I was transferred and waited in excess of an hour to speak to XXXX # XXXX who stated that since my account balance was zero I was not entitled to any refund of payments made during the payment stop. I do not trust that this is accurate and would like a refund of the payments made during the payment pause.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Navy charged the debt off my report after calling three times threatening me that they would come to pick up my car. My car had a Lien on the motor due to a bad motor they were supposed to be sending the title over to the mechanic but instead sent a tow truck to seize my property after they had already charged it off my credit and sent my debt to a debt collector without my permission or consent. After that they sold the car and say I still owe half of the final amount than took XXXX dollars out my bank account.