23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I wrote to Experian, XXXX and XXXX   including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on Experian And XXXX in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
Product: Debt collection

On the date of XXXX XXXX I received a notification about my credit score stating that I owe {$5100.00} to Credence Resource Manage . The original lender was XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I am writing in accordiance with the fair XXXX XXXX credit reporting act XXXX  Account # has violated my rights 15.U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent/instructions XXXX XXXX showing 1. ) Fed Loan in the red?? paid wrong information!! please take off 2. ) XXXX XXXX on XXXX XXXX and XXXX please take off 3 ) XXXX XXXX XXXX- Old address please take off
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to XXXX, Transunion and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which has a contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as well. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) View full c
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) (
5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 reporting or other personal consumer reports

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  Subject : Dispute Letter Regarding Equifax Violations and Non-Compliance Dear Sir/Madam, I am writing to formally dispute the practices of Equifax and report multiple violations concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). I believe that their actions may constitute fraudulent behavior, and I urge the FTC to investigate these practices.

1. **FCRA Violations** : Under the FCRA ( 15 USC 1681 ), consumer reporting agencies ( CRAs ) are mandated to ensure the maximum possible accuracy of the information they report. Negligent non-compliance with these requirements can lead to civil liabilities, including damages and attorney fees. Equifax has repeatedly failed to uphold these standards, resulting in inaccuracies that adversely affect consumers.

2. **Fraud vs. Inaccuracy** : Fraud involves intentional deception for personal or financial gain, necessitating evidence of deliberate intent. However, inaccurate reporting may stem from willful non-compliance with established regulations. Equifax 's failure to correct inaccuracies within consumer reports raises concerns regarding their intent and adherence to the law.

3. **Liability for Non-Compliance** : - When a credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this aligns with fraudulent behavior.

- For example, if Equifax ignores verified disputes while continuing to sell inaccurate reports to creditors, this could represent intent to deceive creditors and harm consumers.

- A violation is considered egregious when it contradicts authoritative guidance from relevant agencies. It may also be deemed reckless conduct if the credit reporting agency knew or should have known they were violating the FCRA.

Given these points, I kindly request that the FTC investigate Equifax 's practices and take appropriate action to ensure compliance with the FCRA. The protection of consumers is paramount, and it is crucial that credit reporting agencies uphold their legal obligations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am not the originator of the enclosed information on my credit report. 

INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX/XXXX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I have reported these accounts as I have no knowledge of these and I also have asked the company to provide proof of the said debt that they said that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX AUTO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/21 Wells Fargo contacted me regarding 2 transactions equaling XXXX dollars. I explained to them that they were not transactions that I authorized. They said that they will file a dispute for both of those transactions. I was told it would take 10 business days. So I gave trust my bank would help me with the transaction with both parties understanding that they are fraudulent. I called to see an update on XX/XX/21 which was a Friday.. They started to ask me the same questions again which I answered honestly once again! 

On XX/XX/21 Which was a Saturday I received an email from them stating my case has been closed .... But it didn't explain if that meant if it was denied or approved. 

I called XX/XX/21 and asked about the status which the claims department decided that neither transaction was fraudulent on their end. This is not right as a consumer that got a phone call from said bank denied his money even though Wells Fargo knew that these were not transaction that I made. 

Please help me get my hard earned money back.
Product: Mortgage

We signed a contract on XX/XX/XXXX, got pre-approved through Chase XXXX. After several rounds of documentation, we were conditionally approved at a 3.25 % ( XXXX points ) rate, and a target closing date of XXXX. The Lending Advisor also stated we qualified for an appraisal waiver, of which we promptly accepted since average interval to complete waiver was between 25-32 days in Texas. On XX/XX/XXXX, after all the documents were passed to underwriting for final review, the underwriter stated we didn't qualify for the " agency product '', and therefore we would have to pay 3.37 % interest rate, pay {$6300.00} from XXXX in points, and they would now require an appraisal ( reminder- telling us this just 4 days before closing ). Whether it was the lending advisor 's error, or poor decision-making on the underwriter 's part, we consider this to be an unforced error -- - worse case a " bait and switch '' situation -- - solely of their doing. To compound the problem, their coordination and timing with the appraiser was atrocious, leaving us with a 3rd amended contract pushed to XX/XX/XXXX closing just for conservative purposes. Turns out that extended amendment date was needed, as we didn't get funded until XX/XX/XXXX, and we didn't close until XX/XX/XXXX. Sidebar, because of the misstep on Chase 's part, we risked the seller backing out for another offer. Incrementally that cost us extra money to secure him for the duration. The Underwriter 's excuse for the product change in the XXXX hour did not make logical sense given the combined wages, retirement income along with a large IRA that a financial advisor has written a letter on to state it was significant enough ( $ XXXX ) for retirement income continuance long after his 30-month calculation he claimed needed to be satisfied ( where apparently he factored only one of my accounts, the 401K ). Chase had everything to gain by reneging on their original offers to us under conditional approval conditions. Not that it factors materially into financial decisions, but I have used Chase for 30 years, and this is my XXXX mortgage with them. This process was broken, but worse yet their internal human handling and coordination around the broken process compounded the problem. We opened up an executive complaint before close with their corporate executive offices. That did nothing to benefit the situation, it seemed more like an " appeasement '' exercise because they relied on the assigned lending team as much as we did and they offered no intervention that positively altered timing. The Executive Support Team closed the complaint on XX/XX/XXXX because the closing took place " successfully ''. They stated some " independent and unbiased '' group would internally evaluate this case and reach out ONLY if they found wrong-doing or gross errors on the Chase teams ' part.
Product: Checking or savings account

On XX/XX/2023 I noticed unauthorized payments on a variety of accounts that I had no idea about. I immediately contacted the US Bank, and we found that three accounts ( 1 checking, and 2 savings ) had been compromised to the amount of {$150000.00}. These accounts were immediately frozen and the fraud unit of US Bank was engaged to figure out what happened. After several months and glitches in the bank 's process, most of the transactions had a claim number assigned to them ( still not all claim # 's have been assigned a number! ). So far, the bank has agreed to reimburse only {$15000.00} of the {$150000.00} missing from my three accounts. I have not received any further communications from the bank regarding this matter in several months. I filed a complaint for my checking account ( XXXX ), and your agency has contacted the bank ( XXXX ) who in turn has sent me a response on that account. I understand that I have 30 days to respond to this notice, and I am in the process of doing so. Today I am filing a complaint regarding the two savings accounts that were also compromised on XX/XX/2023. Those two accounts that are savings are accounts XXXX, and XXXX. I would like to recover my funds for all three accounts, and will likely attain an attorney to pursue this issue. However, I would also be interested to understrand how it is that US Bank processed the fraudulent claims to my three accounts without my permission. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, EQUIFAX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, XXXX AND EQUIFAX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given EQUIFAX, XXXX OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow Equifax, XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If Equifax. XXXX and Equifax wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Williams and Fudge is reporting a collection account from XXXX University on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Williams and Fudge about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from Equifax. Equifax said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and Equifax to rectify the situation and spent the entire talking to an automated system. According to XXXX XXXX XXXX ( a ) ( C ) ( XXXX ) ( XXXX ) my credit reports are supposed to be easily accessible.
Product: Mortgage

Nationstar XXXX dba Mr Cooper is charging rate lock extensions XXXX borrowers by knowingly transferring all files that they suspect can close in less than 30 days XXXX employees who were on coaching plans for performance. They created a division called XXXX that all individuals who could not maintain regular production goals were demoted to. They then started transferring all loans without appraisals to this group. These loans can typically fund in less than 30 days, on average, however with the employees who couldnt do their job function in their previous role, they are extending the rates at a cost to the borrower.

Furthermore they require loan processors who are not licensed to discuss fees and update pricing/product changes when this should be a function of a licensed loan officer. Most often fees are not disclosed or discussed since processors are not trained in this area nor is it their expertise. These procedures are written in their call scripts. Closing Disclosure calls should be completed by the licensed loan officer who initially handled the negations of fees and pricing.