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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$630.00} DIVERSIFIED ADJUSTMENT ( Original Creditor : XXXX ) XXXX {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$21000.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit card or prepaid card

As a XXXX XXXX member I was looking for tickets and saw an advertisement for American Express. " Earn a {$300.00} Statement Credit and XXXX Bonus Miles ''. 
XX/XX/XXXX XXXX I applied, got approved and received a temporary credit card.. 
XX/XX/XXXX I bought XXXX tickets using this card ( I spent {$1300.00} ). 
At the end of XXXX, I called American Express and received confirmation that " Welcome offer '' ( including {$300.00} Statement Credit ) were available to me. 
As a matter of fact I received an information letter from AMEX dated XX/XX/2022. 
Week ago I received monthly billing invoice from American Express and did not found {$300.00} Statement Credit. 
XX/XX/2022 I called AMEX ( talked to supervisor ) and they told me that for some reasons I did not qualify for this credit. 
My understanding, is that even if I don't fit their criteria ( which I doubt ), they must warn me that I am not eligible for Statement Credit before I start using their credit card. Otherwise it is cheating the customer as they have the advantage anyway.
Product: Debt collection

They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

i was XXXX in XXXX XXXX and XXXX XXXX in another XXXX. I asked Capital One to send me information in large print. I recently had XXXX XXXX to restore my XXXX in my XXXX XXXX. I used my reward points with XXXX to rent a car. I dented the bumper and now I 'm responsible for the damages because I was n't aware you had to pay for one days rental on the card. XXXX did out a hold on my credit card and charged {$2.00}. XXXX also closed out the contract when I could have extended the rental for one more day and pay for one day of the rental period. XXXX even told me to have them to do this. Now I 'm stuck with a bill because I never was able to read the fine print. I trusted what Capital One told me. I would be covered if I declined the insurance offered by XXXX.
Product: Credit reporting or other personal consumer reports

We recently called XXXX credit card companies. XXXX XXXX and capital one. These XXXX companies told me that even if I took my name off as an authorized user that it would still show up on my credit. That is incorrect and I would like this to be resolved. I can no longer use the card. Therefore, shouldnt be associated with the debt. I would like this to be taken off my credit report.
Product: Credit card

I am submitting this claim about a Sears Credit Card I had. I tried to pay it in XX/XX/XXXX, a representative for the company told me that they would not and can not accept any payment from me at this time because the account had already passed the statute limit. 
In XX/XX/XXXX, I received a form 1099C from Sears dated back XX/XX/XXXX for the amount of {$7000.00}. I had to file it with my XXXX income tax return and paid it. 
Since the debt was paid through income taxes in XXXX, the balance should be updated as paid/satisfied because in XX/XX/XXXX, Sears refused my payment, did not accept any other form of payment from me.

I would like it to be removed from my credit report. Please see attached 1099C.
Product: Student loan

Company : Nelnet. I paid the full amount of one of my loans and the servicer tried to say I still owed XXXXXXXX XXXX of principal. There is no way in their online system to enter an amount larger than what's on screen and there's no way to pay less than {$1.00}. So ultimately, I was unable to add an extra XXXX XXXX to my payment and no way for me to pay only XXXXXXXX XXXX. Yet they are refusing to correct the error or write off the XXXXXXXX XXXX 

Also failed to answer two customer service emails over the course of a month and then I had to wait on hold for 2 HOURS to speak to customer service about this issue.
Product: Checking or savings account

I received a deposit for startup ( XXXXk ), to my BofA business account, used the funds accordingly, every transaction is accounted for, 5 days later my account was closed at banks discretion, no explanation, other than due to depository guidelines
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on dates ( XX/XX/year> ). I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXX XXXX  XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX XXXX XXXX  and also a FTC report.
Product: Credit card

XX/XX/XXXX Dear Consumer Financial Protection Bureau, On Saturday, XX/XX/XXXX, I tried to pay for a new phone with my Citi Simplicity card, but it was denied, so I tried to use my Citi Advantage ( XXXX XXXX ) card, but that card was denied, too. I immediately called Citibank and was informed that my credit limit on both cards combined had decreased by XXXX XXXX. As a result, my Citi Simplicity card went from XXXX XXXX used credit to XXXX XXXX used credit, and my Citi Advantage card went from XXXX XXXX used credit to XXXX XXXX used credit. Citibank has destroyed my hard-earned credit! I consider this predatory, unlawful activity, especially since I am a responsible consumer. Citibank did not even call me to inform me about this. 

Also, I have had XXXX Citi credit cards for a long time, and I have paid my bills on time. Citibank has no reason to do this. It is baffling, deceitful, and financially abusive. If I wasnt a responsible consumer, why would Citibank give me a total of {$37000.00} in credit and a home loan of {$400000.00} ( XXXX )? In summary, between the XXXX cards mentioned earlier, my credit limit dropped from {$27000.00} to {$12000.00}. 

Important Note - Just prior to my XXXX Citibank card limits being decreased, I made my first HELOC Home Modification trial payment ( XX/XX/XXXX ) with Citi Mortgages Servicer, XXXX. I have the legal right to apply for a home modification which has nothing to do with my consumer credit cards. Citibank retaliated against me just because I applied for a HELOC Home Modification. Did Citibank also retaliate because I transferred a large balance from one of my Citibank cards to a 0 % interest card ( promotion ) from XXXX XXXX XXXX on XX/XX/XXXX? 

Here are the figures of my dispute : Before XX/XX/XXXX XX/XX/XXXX Citi Simplicity Citi Simplicity Credit Limit {$13000.00} Credit Limit {$7100.00} Balance {$6700.00} Balance {$6700.00} Available Credit {$6700.00} Available Credit {$360.00} Percentage Used XXXX XXXX Percentage Used XXXX XXXX Citi Advantage Card Citi Advantage Card Credit Limit {$13000.00} Credit Limit {$5100.00} Balance {$4800.00} Balance {$4800.00} Available Credit {$8600.00} Available Credit {$280.00} Percentage Used XXXX XXXX  Percentage Used XXXX XXXX In reviewing another credit card account I have with Citibank ( Shop Your Way Sears Mastercard ), I just learned that Citibank decreased my limit from {$6000.00} to XXXX in XXXX of XXXX. The reason ( over the phone ) was that I had a XXXX balance for too long. In other words, this warrants punishment. My fourth Citibank credit card account, also a XXXX balance, is with Best Buy. Thus far, this credit limit of {$4000.00} has not been decreased. I find it hard to fathom being treated this way when I have given Citibank a ton of my business, including my home mortgage. This is ridiculous! 

Please call me to discuss, XXXX XXXX XXXX : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Debt collection

this debt is for equiptment that I returned to XXXX XXXX XXXX approximately 7years ago. I C System never contacted me regarding this debt. This debt shows up on my credit report as open as of XXXX 2023. IC system removed this debt once before and placed it back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to Experian. 
on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}?? to them and then changed and updated information on my report. THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that Experian remove this information immediately.
Product: Checking or savings account

For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to EQUIFAX because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Product: Mortgage

I have been trying to get a loan modification with Ocwen. Over the last three months I have been given conflicting information. Some examples of this are : 1. On XX/XX/XXXX I spoke with Loss mitigation rep XXXX ID # XXXX. She confirmed she received my profit & loss statement through XX/XX/2016. On XX/XX/XXXX XXXX XXXX ( XXXX ) ID # XXXX told me they never received any profit and loss statement from me and it needed to be resent. 
2. On XX/XX/XXXX I spoke w/ XXXX ID # XXXX who told me I needed to send in a new RMA and paystubs and an explanation for a discrepancy ocwen claimed was in the YTD of my payroll ( they refuse to send this 'discrepancy ' in writing so it can be reviewed. I see no discrepancy and neither does my payroll manager. ) on XX/XX/XXXX XXXX ID # XXXX told me those documents were never requested. 
3. On XX/XX/XXXX I asked XXXX # XXXX to escalate the file as I felt I was being given false information and there was a lack of competency on the part of Ocwen and my modification. She said she did n't know how to do that or what that was. After I told her I was going to complain to the CFPB, she told me she COULD escalate the file. She refused to comply until threatened with the complaint. 

Basically, Ocwen is fighting me tooth and nail because they want to illegally foreclose on my home. They so far refuse to review me for loan modification in good faith. I have been lied to given false information over and over. I need help.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I receive XXXX calls a day from Goodleap regarding a loan for solar power system that have been defective since installation. I have informed Goodleap of this issue with XXXX XXXX XXXX, which XXXX has agreed to pay the balance for due to their faulty system. I am currently in communication with XXXX XXXX XXXX to resolve this issue. 

I have explained this to Goodleap on at least XXXX occasions, and they insisted on reporting this to credit agencies to affect my credit. I have most recently received calls as recent as today ( XX/XX/2022 ).
Product: Credit card

I applied for a BBVA NBA XXXX XXXX card application on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. BBVA requested and received my XXXX Credit file on each date listed. I received XXXX ( XXXX ) letters regarding each application stating that each application was declined due to " unable to verify identifying information ''. I have contacted BBVA repeatedly in an attempt to understand what information the company was unable to verify. Each BBVA representative basically stated the same thing that identity verification failed and wait a few months to reapply again. Unfortunately, no one within BBVA has the ability to inform consumers of what identity failures have occurred. It was recommended to contact XXXX directly to verify my information. I contacted XXXX and verified that all my identifying information listed on my BBVA application matched the information in my XXXX credit file. XXXX actually recommended that I contact BBVA to discuss any identity verification directly with them as my information with XXXX is correct. The information on my BBVA applications were in compliance with with Section 326 of the USA Patriot Act which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a Chapter XXXX  Bankruptcy to get rid of outstanding debt in attempts to save our home. Our case was discharged on XX/XX/XXXX. Our home was mortgaged withXX/XX/XXXX at the time. Ive attached some supporting documents and you should find on page 3 of them a page from our bankruptcy case confirming that we filed to retain the residence and reaffirm the debt withXX/XX/XXXX continuing our payments to them through this whole process. Our bankruptcy lawyer recommend that after the case was discharged that we should attempt to get a mortgage modification. 

After the discharge on XX/XX/XXXX we took a moment and then contacted XXXX  and started the process to secure a modified loan with XXXX XX/XX/XXXX which took effect XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sold our loan to XXXX. 

We didnt think to check our credit, being told that bankruptcy would take its obvious toll on it. Imagine our surprise when we decided to finally try to build it back up in XXXX and lease a car only to find out it was worse than we thought with one of the reasons being because our mortgage wasnt being reported. When we called XXXX they stated that it is XXXX   XXXX XXXX 's fault and threw our bankruptcy back in our face. XXXX XXXX XXXX wouldn't even talk to us because they no longer held the loan. The one thing they both said was that some paperwork wasnt filed correctly and tried to lay blame on the lawyer. I tried to call our lawyer, only to find out that hes moved out of state and is no longer practicing. I only have our filing documents which clearly show that retain property and reaffirm the debt are marked off. I have no idea if a certain document was supposed to be filed along with it. Just to be clear I asked XXXX who they have been receiving payments from for our address and they confirmed that it was us and I followed with the obvious question, then why arent you giving us credit for said payments and they claimed they can't because of the bankruptcy. Their remedy was to refinance. Sure, what kind of rate are you going to give us when we cant improve our credit score because you wont give us credit for our payments?! 

Eventually XXXX  becameXX/XX/XXXX and the real estate market has improved and we are no longer upside down in the mortgage and XXXX XXXX continually pesters us to refinance. We thought now is the time and tried to take them up on it only to find out they are still holding the bankruptcy over our head while encouraging refinance ( see attached document from XXXX XXXX ) and we are 8+ years post bankruptcy. To this date we have not been given credit for our post bankruptcy mortgage payments. Thats 8+ years of payments XXXX  XXXX XXXX and XX/XX/Mr.XXXX have failed to report. This house really exist! Weve lived in it, raised a family in it and maintained it for 22+ years. We pay property taxes for it! The mortgage companies accept our money for it! Give us credit for it..fair and simple.
Product: Credit reporting or other personal consumer reports

I reported the missing cards on my credit report and the companies responded with letters with the information about those cards, so the cards do exist, but no one explained who removed them from the credit bureaus. 
I called XXXX in XXXX XXXX XXXX to report this issue and this told that credit cards may not report, that I need to contact them to see what happened to the card information deleted from my credit report. 
XXXX XXXX : XXXXXXXX XXXX- {$7800.00}, XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX {$4900.00} ( this is new and was not reported before to CFPB ), XXXX XXXX {$1200.00} and XXXX {$6800.00} I am still waiting the information on my credit report from XXXX. 
XXXX and Experian have the information deleted too.
Product: Checking or savings account

I have been scammed by CitiBank. Without my authorization, Citibank has approved ACH transaction of {$10000.00} to pay for a stranger 's utility bills to service providers such as XXXX ( electrical bills ) XXXX ( Mobile phone service ) and XXXX XXXX XXXX service. The money was drawn from my checking account without my authorization. 
Citibank has violated SEC rules and regulations. They have authorized the fund transfers based on a telephone call from a stranger imposter. They have neglected to exercise due diligence. They have refused to reimburse me for the unauthorized fund transaction.