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

Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. 
XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and XXXX letters has been sent to them and it has been more than 30 days and they have not sent anything.
Product: Debt collection

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. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX, Account XXXX XXXX 
15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit card

I tried disputing XXXX charges from XXXX XXXX. XXXX is claim number XXXX for {$410.00} and the other is XXXX for {$310.00}. I never receive the merchandise. On Monday, I saw that they charge my card for the amounts. They never emailed me or told me that the dispute was closed. I called and talk to someone on XX/XX/XXXX named XXXX. He told me they provided the tracking number and they were delivered to my address so there is nothing they could do. I still have not receive the merchandise. He told me it was a police problem since the package was stolen. I called again and got the same response. On XX/XX/XXXX, I talked to someone from the XXXX branch. They gave me a case number XXXX. They told me they would look into it. Today, XX/XX/XXXX someone called me from the XXXX team and they can not do anything about it. They never gave me an email or message that the dispute was closed and the proof they got from the merchant.
Product: Checking or savings account

Approximately 90 days ago, I opened a personal checking account with Truist bank, using the promotional code XXXX. The promotion offered a {$400.00} bonus to customers who opened a new checking account and completed two direct deposits. I called Truist on XX/XX/23 to verify that the code was entered and that I would receive the bonus if I complied with the terms. A supervisor assured me that the promotion was applied to my account, and I had nothing to worry about. 

Based on this promotion and assurances, I maintained an account in compliance with the terms of the promotion. However, on XX/XX/23, I called Truist to find out the status of the account. The agent transferred me to a supervisor who informed me that the promotion was not applied to my account, and there was no way to get the promotion that was offered, despite me opening and maintaining an account in good faith. 

I believe that Truist 's failure to honor the promotion is a clear case of false advertising and is an unethical way for the bank to take advantage of its customers. I opened an account with the expectation of receiving a {$400.00} bonus, and Truist 's failure to honor the promotion is a breach of their agreement with me. 

I plan to escalate this matter to higher management within Truist and request a thorough investigation into the matter. I will also file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that Truist is held accountable for its actions. Finally, I am considering closing my account with Truist and taking my business elsewhere if I feel that I can not trust the bank to honor its agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 Balance : {$14000.00}. Please delete.
Product: Credit card or prepaid card

I have contacted Citibank to resolve this issue several times. I have applied to have my limit raised from XXXX to anything, just raise it. it hurts my credit with a low limit. My other cards have raised my limit over XXXX without me even asking. My credit score is over XXXX. They originally sited no reason for denial and I filled a complaint on the phone with them first. I was contacted once and was unable to speak as I was driving back from down south with my daughter and did not have my financial information with me. When i arrived home I received another denial letter. I earn over XXXX yearly and I am included in a protected class of people and see no other reason for my exclusion.
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 XXXX5 USC 1681.

has violated my rights. Or a 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: Payday loan, title loan, personal loan, or advance loan

I applied online to Credit Fresh loans. Living paycheck to paycheck. I had XXXX XXXX, off work momentarily. Loss 2 Brothers six months apart due to XXXX XXXX. I almost XXXX XXXXXX/XX/22, found out I have a XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX. I did respond to the company emails & calls. Currently XXXX per month payment plan. With the high cost of this economy & increased interest rates and astronomically increased payoff fees added. I will XXXX XXXX XXXX trying to pay it off! The increased high interest rates are unlawful. Future complaints may persist with the Texas attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the Experian, XXXX and XXXX Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX charged my card for an amount which was unauthorized. I disputed with USAA. USAA gave me a provisional credit. XXXX refunded the amount. USAA reversed the provisional credit, as expected. However, they reversed it twice, taking money from my checking account. They are refusing to work to resolve this issue and have given me the run-around for several days. They have stolen money from me.
Product: Credit card or prepaid card

I closed my credit card account on XX/XX/XXXX. I paid a {$500.00} deposit to secure my credit card credit limit via electronic bank transfer on XX/XX/XXXX. My account is paid in full with the last payment posting to my discover card on XXXX XXXX, XXXX. My balance is at {$0.00}. The company is refusing to refund my {$500.00} security deposit and saying I have to wait two more statement cycles and then they will mail it back via paper check. This is absolutely absurd. If I am 30 days late on my payment I am charged a late fee and my credit rating is affected negatively ; however, this financial institution thinks they're entitled to 60 days to refund my deposit and then additional weeks to mail it by check, and isn't compensating me or paying any interest to me for the extended delay for holding on to my money. I want this matter resolved in a timely matter and want the security deposit funds deposited via electronic bank transfer back to the XXXX XXXX account on file with them that the funds came out of.
Product: Debt collection

Opened XX/XX/2017 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Information EOS CCA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance due is {$540.00} I was told when leaving the Hospital that there was no outstanding balance due because my health insurance covered the expense and all I had to do was pay a co-pay which I had done. I now noticed that they say there is still a balance due and it has been sent to collections, I have tried calling the creditor numerous times to understand and resolve this issue but have not been able to get in touch with them, and the voice mail message is for a different extension number. I am in need of help thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint XXXX XXXX Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ) On XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX TBOM XX/XX/XXXX Lending Bank on XX/XX/XXXX Bank Of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I was wrongly charged with a hard inquiries of a on my credit profile that I was not aware of. The cause of these numerous occurrences is creating a hvac towards my credit health. I filed for a dispute of the charges of XX/XX/XXXX and the XXXX, XXXX and Experian said its accurate but it is not. This reflects the reputation of my dignity on how I look in the eyes of different lenders, banks, and other companies. Despite my efforts to resolve this issue directly with XXXX, I have not received a satisfactory resolution This issue has caused me to miss opportunities due to XXXX XXXX deduction system. The file of the inquiry lowered my score tremendously. I become a liability in the eyes of lenders as multiple inquiries as a sign of financial instability or increased credit risk. Which is not the case in this situation. It is not fair I have to wait for 2 years to get something off on my report that I was wrongly charged of and the wrongdoing was reported without my consent. Lastly, this affects my approval changes. I XXXX be looking to get a new apartment, car, or loan but due to this inquiry it will be a hindrance for me to fulfill my possibility of doing that. 


Sincerely, XXXX XXXX
Product: Debt collection

I received a phone call at XXXX XXXX from Hollis Cobb Associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. The associates name was XXXX XXXX. He called stating he was calling from XXXX XXXX XXXX regarding a hospital bill. He was not calling from XXXX at all. Once he was giving me the website to make a payment. I realized this was not XXXX at all but a creditor. He then said he was representing XXXX XXXX XXXX. I stated they would call me themselves. I then asked for the location he was calling from. He refused giving me a physical address. He said sorry it was his first day. I then asked for a supervisor. XXXX XXXX then spoke with me and also was trying to mislead me into thinking he was XXXX and there was no physical address to be given. Just a po box XXXX I mention to XXXX he would not want to be seen as a liar and then he gave the address. 

I am sure I am not the first individual they have done this action to.
Product: Debt collection

Never received copies of billing statements associated with the account that I believe to be fraudulent or proof of the account being opened, including any documentation that substantiates the creation of this account and any attempts to collect debts associated with it in order to file a police report to report that I am a victim of identity theft.
Product: Mortgage

Shellpoint Mortgage, using NewRezz LLC as a servicer, allowed mandated Flood Insurance payment under a setup escrow account to lapse during hurricane Ida. Payment was due on XX/XX/XXXX and was applied on XX/XX/XXXX making it too late to be covered by flood insurance policy. 

Lender and servicer have both ignored many emails and phone calls to ammend this issue. A letter of error under RESPA was sent on XX/XX/XXXX. Lender and servicer have yet to provide information or a number to reach a department that handles these issues.

Home was denied flood coverage due to this error. Escrow account is being mishandled by servicer and put negative without a balancing estimate and correction. 

We have attempted all avenues of resolution and are getting nowhere with this horrible situation no homeowner in a disaster zone should ever go through. We are looking for justice.
Product: Student loan

I was in XXXX XXXX bankruptcy and working full time for a government agency when payments were made to my student loan servicer. None of the payments that I made were applied as qualifying payments for consideration on my public student loan forgiveness. 

None of these payments were applied to my principal balance they were all applied to interest. 

Payments were made from XX/XX/XXXX through XXXX of XXXX. I believe these payments should qualify for the revised consideration for public service loan forgiveness program. I believe all the payments meet the revised standards for payment count toward forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the Credit Bureuas have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the Credit Bureuas can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account listed under my name. This inaccuracy is negatively affecting my ability to secure credit. Please remove this account from my report immediately.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent us to Transworld System INC for {$440.00} for collection. We do not have any account with XXXX XXXX XXXX  XXXX XXXX. We requested to email us a copy of the original application from XXXX XXXX XXXX  XXXX XXXX that the person who may have used my identity to get service or whatever they provide. They denied my request. My SS # did not matched what they have on file neither my email. 

**The credit reporting agency did not contact us. We had to contact them ( Transworld System INC ) to find out why they were on the credit reporting file.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Mortgage

In XXXX of 2023, I reached out to Caliber Home Loans to inquire about PMI Cancellation, since we were qualified to have it removed. We were told that since our loan was about to be moved, that they could not start that process. However, since the loan was moved more than 30 days after this communication, they should have given me the opportunity to move forward with the process and complete it within 30 days, as per the rules here : https : XXXX .... I was also told by Caliber that I would be able to start the process once my loan was moved to XXXX. However, this was not true, as XXXX told me I had to wait 30 days after the loan was moved to start the process. Caliber 's intentional delay has steamrolled into months and months of further delays and could have been avoided if Caliber had simply followed the rules instead of passing the buck.
Product: Credit reporting or other personal consumer reports

Experian is giving false credit reports and false credit information to companies. I cant access my reports anymore nor sign in. My credit has been compromised. Exercising my right to use 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B
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 : XXXX XXXX XXXXXXXX XXXX : Act. # XXXX XXXX XXXX XXXX : Act. # XXXX, XXXX XXXX XXXX XXXX : Act # XXXX, XXXXXXXX XXXX XXXX : Act. XXXX XXXX XXXX XXXX XXXX XXXX : Act. # XXXXXXXX XXXX XXXX  : Act. # XXXX, XXXX XXXX XXXX XXXX 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 : 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: Credit card or prepaid card

I received a usbank reliacard in the mail and i did not request one. I am not unemployed and I did not request this card. I need the account closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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