23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX of XXXX  I came into the XXXX bank in XXXX, MI to close my deceased Dads accounts. I was told by the manager he could not help me even though I have the executed will, order for assignment for the funds and death certificate for my father. I paid the burial charges for him and have the award for the reimbursement of these charges by the court. Which according to MI a small estate under the amount of {$15000.00} is not required to file for probate. The accounts are much less than that. In speaking with a lawyer in Michigan it was confirmed that all that is needed is the court ordered petition for assignment to be able to receive the funds from the bank. The manager took the documents to make a copy for legal and said there was nothing they could do unless there was probate for the estate, which is not true. Travel to Michigan was not inexpensive and I will not be going there any time soon so this is very frustrating. The manager was very unhelpful and refused to try to contact the legal department to confirm this information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

Citi closed my Prestige credit card again. 

I contacted Citi in XXXX to discuss ways to do product change to my Prestige card. After being informed that there were no such an option to convert it into other types of card and being advised to contact later to explore options, I clearly and explicitly informed the representative to keep the card open. 

However, when I later tried to use the card, the card was closed. I can not transfer my citi thankyou point either. 

This is not the first time my account being closed without my consent. I have contacted CFPB when Citi closed my account in XXXX and Citi later reinstated the card. This is happening again.
Product: Debt collection

Opened XX/XX/2019 in the amount of XXXX I disputed with the company, this account wasnt open by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to renew my home mortgage, they showed a debit with XXXX XXXX. 
This debit I did not make and has no place on my credit score. 
I believe cfpb has already addressed this account if not I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX reported not my inquires to them of inquires that were not mine Two from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On Experian reported not my inquires XXXX XXXX XX/XX/XXXX, and Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Early 2020 - fraud charges XX/XX/2020 - Fraud reported within 60 days per the law XX/XX/XXXX - Determined no error occured XXXX - requested complete copy of investigation - was sent nothing except a blank " affadavit of fraud '' This was returned XX/XX/XXXX - told the account was charge off and charges a fee XXXX - threatened to report me to credit bureaus SunTrust is the most corrupt organization I have ever encountered
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account.

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase for goods and services on XX/XX/XXXX in the amount of {$1700.00} from a company called XXXX XXXX ( XXXX Soles ) with my American Express Platinum card ending in XXXX. I did not receive the goods and or services from the company as promised and filed a dispute with American Express on XX/XX/XXXX. On the next day, my dispute was closed and the reason given was because I did not dispute the charge within 60 days after the purchase. I immediately contacted American Express and they reopened the case and I submitted multiple documents. The very next day on XX/XX/XXXX, the dispute was closed for the exact same reason. I again, reopened the dispute, this time online and then called in on XX/XX/XXXX because American Express needed more information. I provided the needed information and later on in the day, I received a message that the dispute was closed for the same 60 day reason again. I tried speaking to American Express 's online chat and did not get anywhere. They refuse to investigate the dispute. 

I have disputed a charge that was XXXX  months past the date of the inititial charge and American Express investigated it and credited my account after they completed the invesigation. For unknown reasons, they will not with this merchant and can not explain why.
Product: Mortgage

I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : Synchrony Bank Account Type : Debt Buyer/Collection Date Opened : XX/XX/year>2024 Balance : {$23000.00} ( as of XX/XX/scrub> 2024 ) Status : Collection account, {$23000.00} past due as of XX/XX/year>2024 Reasons for Dispute : XXXX. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

2. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

XXXX. Date Inconsistency : The Date Opened is listed as XX/XX/year>2024, but this conflicts with my records. Please validate the accuracy of the date. 

XXXX. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. Equifax Credit Information Services , XXXX, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting XXXX XXXX account as open when it has been closed since XX/XX/year> according to the website. Please remove account or update to accurately reflect the current status. Account Status shows as complete on the website.
Product: Mortgage

I contacted Wells Fargo, the servicer of my mortgage loan, to consider removing the PMI. I was told that I had to order an appraisal and they would send me documentation to do so. I then consented to the appraisal cost, which was quoted at {$550.00} for a XXXX XXXX  XXXX  in XXXX, Tx. It seemed high, but I was told I had no choice in the appraiser, I had to go through their company, XXXX. I did so, and paid {$550.00} on XX/XX/2021 and was told I would be contacted to set up the appraisal. 

On XX/XX/2021, a rep from Wells Fargo called, not to schedule an appointment, but to tell me that the actual cost of my appraisal would be {$960.00} and that I needed to pay the difference before anyone would come out. 

I feel there are 2 issues wrong with this scenario.

1. The cost is about 3 x what my realtor and other mortgage sources tell me it should be 2. I have no choice of appraisal companies, several of which will only charge {$300.00}. The highest quote I got from a local company was {$590.00}. 

I am told by Wells Fargo, pay up or continue paying your PMI. I do not feel this process should be legal.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX -BALANCE {$0.00} Account Name XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$2400.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$430.00} Account Name : XXXX XXXX XXXX Date Opened XXXX {$0.00} Account Name : XXXX XXXX # XXXX Opened XXXX {$310.00} Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX Date XXXX XX/XX/XXXX -BALANCE {$1800.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$1000.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$990.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$1200.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$130.00} Account Name : XXXX XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$440.00}
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I printed my Transunion report and noticed unauthorized/fraudulent inquiries on my credit report. I called Transunion to report this fraudulent activity on my report and I was told to mail an FTC report along with other documents. The FTC report and documents were sent via certified mail with a copy of my ID, social security card and utility bill and Identity theft report requesting these inquiries to be removed from my credit report. 

when calling Transunion to follow up on my dispute/case, I was transferred to a Supervisor by the of name XXXX, XXXX told me and I quote " We Transunion don't dispute anything on the consumer credit report and there is nothing to do '' you have to dispute with the bank '' even after me telling him that the bank told me that they didn't have any information and to call transunion because they start a dispute contact the bank and the bank will tell to delete. I have RECORD of the Conversation. 

by Transunion denying my right to dispute by saying they don't dispute, This violates my rights to privacy under FCRA. Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

attached is the return reciept from USPS, my documents were recieved by XXXX XXXX from Transunion- the fraudulent inquiries are XXXX XXXX XXXX ON XX/XX/2023 AND XXXX XXXX ON XX/XX/2023 - FTC Report # XXXX
Product: Student loan

On XX/XX/XXXX I received notification from XXXX XXXX that the customer service of my federal student loan account would be transferred to MOHELA but that my loans would still be owned by the U.S. Dept. of Ed. The letter stated that it would be transferred on or about XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received an email that loans would be transferred to MOHELA within 30 days and to go ahead and set- up my account using the information they had provided. 

I went ahead and set up an account and within a couple of days, my account said that all information would be available on XX/XX/XXXX. On XX/XX/XXXX I checked my account and the account stated that I was " in good standing '' and my balance was showing {$0.00}. 

On XX/XX/XXXX, I checked my account again and it stated that all the information relating to my loan would be available on XX/XX/XXXX. At this point, I knew I was getting misleading and bad information. I checked my account on XX/XX/XXXX and again, it stated that I was " in good standing '' and my balance was showing {$0.00}. 

I called MOHELA immediately because I am getting conflicting information after years of getting bad customer service and faulty information with XXXX XXXX. I am also in the process of purchasing a home and further steps can not be taken until my student loan information is established with MOHELA. 

I spoke with XXXX on XX/XX/XXXX who informed me that the processing time is about 10 business days. I explained that I am well over the 10 business day mark but she could not give me a reason why and had no access to any further information to help me access my new account.
Product: Debt collection

I recently viewed my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company prior to this being placed on my credit report.
Product: Debt collection

I received a call from sunrise credit company, about a XXXX XXXX in which I stated I never had their services. I called them they gave me a email to send in something saying XXXX not responsible for the debt I did that no one has contacted me since than Ive asked for the original contract, the creditors information in which they only gave me a email, payment history as well as proof of ownership I was not provided none of those documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments XX/XX/XXXX and XX/XX/XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$4700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$4700.00}
Product: Student loan

In XX/XX/year> I made a request of Mohela to have my Federal loans consolidated and I also requested an Income Drive Repayment plan with the lowest monthly payment. It is my understanding while I am waiting to be put in an Income Driven Repayment plan, I should be placed in forbearance ( https : //studentaid.gov/announcements-events/save-court-actions ). However, Mohela is incorrectly demanding that I make payments for these loans. I would like for Mohela to pause a demand for payment from me until I can be placed in an Income Driven Repayment plan with the lowest monthly payment.
Product: Credit card

I have an American Express card. I have had it since 2017. Its in good standing. Always paid my bills on time. I recently paid XXXX of my mortgage payments late and it immediately affected my credit. I went from XXXX to XXXX. I do not have any other issue on my credit whatsoever. American Express responded by reducing my limit to within XXXX dollars of what I already owed. So in other words, my limit went from {$20000.00} to about XXXX. I owed just under {$4000.00} at the time. Even though I do not use the card, it did not take much time for me to reach that limit with interest on purchases that they charge every month. This has now put me at above my limit and further affected my credit. Once again, I have never defaulted on my payments. Unfortunately I can not afford to pay it off at this time. None of the other credit companies I have did this. I currently have XXXX XXXX XXXX XXXX  and XXXX. All in good standing and none of who responded as American Express did. They seem out to destroy me. I do not mind giving my social security number so my above statement can be verified