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

I am writing to formally lodge a complaint against XXXX for inaccurately reporting late payments on my credit report. This is a direct violation of 15 U.S. Code 1666, which mandates that all information on a consumer report must be 100 % accurate, verifiable, and complete. Additionally, the credit bureaus ' failure to adhere to the XXXX XXXX guidelines further constitutes noncompliance. 

XXXX. Inaccurate Reporting : - The credit report dated XX/XX/year> from [ TRANSUNION ] contains inaccurate late payment entries for the account ( XXXX ) under the name of XXXX XXXX- ACCOUNT NUMBER XXXX XXXX- ACCOUNT NUMBER XXXX XXXX- ACCOUNT NUMBER XXXX XXXX- ACCOUNT NUMBER XXXX XXXX- ACCOUNT NUMBER XXXX These entries are incorrect as I have never been late on these payments.

2. Violation of 15 U.S. Code 1666 : - Under 15 U.S. Code 1666, the credit bureaus are required to ensure that all reported information is accurate, verifiable, and complete. The inaccurate reporting of late payments violates this statutory requirement.

3. Noncompliance with XXXX XXXX Standards : - The reporting of these late payments does not comply with the XXXX XXXX standards for credit reporting. Accurate and standardized reporting is crucial for the integrity of consumer credit information.
Product: Credit reporting or other personal consumer reports

I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and XXXX ) shows payments which were not applied to my account.
Product: Checking or savings account

I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Citibank. My complaint case numbers are # XXXX, # XXXX XXXX and # XXXX. I've been in contact with the Citi Executive Unit since XX/XX/year>, in regard to the issue with my blocked checking account. On XX/XX/year>, I was informed that a response would be provided within 15 calendar days. However, on XX/XX/year>, I received a response from the Citi Executive Unit stating that there had been a delay in resolving my concerns and that additional time was needed to research the matter. Finally, on XX/XX/year>, I received a response stating that they have requested another letter to be sent via United States Postal Services ( USPS ) from the Fraud Prevention Department. Five weeks have passed and the letter still hasn't arrived. So I sent them an email on XX/XX/year>, and I also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, XXXX case # XXXX. 

The Citi Executive Unit responded to me on XX/XX/year>, saying, " We certainly regret the inconvenience and frustration you may have experienced due to the inability to access your account. In an effort to identify possible fraudulent activity, we observe various measures and criteria to screen for possible fraudulent activity associated with the use of your account or card. As a result, it may be necessary for you to contact us for verification of such activity. Please be assured that these measures are in place for the protection of our customers, and we apologize for any inconvenience you may have experienced regarding this matter. As we previously advised, letters were sent to you to a verified address with the most recent letter sent dated XX/XX/year>, from our Fraud Prevention Department. This letter provides instructions on how to complete the verification process. To complete the verification process, please contact our Fraud Prevention Department.

And follow the instructions given in the letter.

According to the fraud department, the only way to unlock my account was to receive a letter with a reference number. For several months, possibly more than a year, I called at least three times a month, but it never arrived.

So I want to know what address is a verified address and is this address different from my billing address?

It seems like I am not getting the necessary assistance from the fraud department at Citi bank, and there's uncertainty regarding my verified address. Im also losing faith in the Consumer Financial Protection Bureau ( CFPB ) as well, as they don't appear to be taking any action in my case. It's becoming clear that Citi bank isn't addressing my situation effectively.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and my personal and financial information has been compromised. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted 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: Debt collection

XXXX XXXX XXXX is claiming I have a {$3100.00} credit card debt from Synchrony/PayPal. I contacted PayPal on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the XXXX collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

Synchrony bank responded in writing, XX/XX/20 that they sold the account to XXXX, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from XXXX. 

I can not get PayPal, Synchrony bank or XXXX XXXX XXXX to provide any transaction details to this account. 

I do not believe it is my debt.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System , LLC, a third-party debt collector, for apparent violations of federal regulations. 

Pursuant to 12 CFR 1022.3 ( H ), Identity theft means a fraud committed or attempted using the identifying information of another person without authority. It appears that Jefferson Capital System, LLC has used my identifying information without proper authorization or consent. 15 U.S. Code 1681C-2a, requires a consumer reporting agency to block the reporting of any information in the file of a consumer identified as resulting from alleged identity theft within four business days of receipt. 

So additionally, I am requesting the removal of inaccurate information by XXXX, XXXX and XXXX. Jefferson Capital System , LLC has violated 15 U.S. Code 1692 ( G ) ( A ) by failing to send a notice of debt within five days of the initial communication. I have not received any communication or written notices from Jefferson Capital System, LLC.

I assert that Jefferson Capital System, LLC is civilly liable under 15 U.S. Code 1681 ( N ) for the damages resulting from their failure to comply with the law. I am a federally protected consumer seeking a prompt and thorough investigation into these matters. Jefferson Capital System, LLC 's actions have caused me significant distress and potential harm to my financial well-being. I am prepared to litigate if a resolution is not reached. Enclosed with this letter, please find copies of relevant documentation supporting my complaint, including an FTC identify theft report, proof of identification, and proof of address. Thank you for your attention to this matter. I look forward to a timely resolution and appreciate your assistance in ensuring that Jefferson Capital System, LLC complies with all applicable laws and regulations. 

Sincerely, XXXX XXXX
Product: Mortgage

During my application with Freedom Mortgage for a conventional home loan for a condo, I was approved pending the final Underwriting process. I was told that all the numbers looked great and that the automated underwriting system had approved me. Several days later, I was notified that my loan was denied due to having too many children to be moving into a condo, therefore they did not believe me I intended on moving into the condo as my primary residence. I had previously informed the company that I am in my XXXX  marriage, and XXXX of my older children have moved out of the house, and XXXX older child lives with their father primarily. My current husband and I have XXXX younger children that would be moving into the condo with us. I had also advised the company we are looking to downsize due to difficulties of maintaining the home and looking to settle into our retirement home. My husband is a XXXX veteran and due to the extent of his injuries, we have difficulties with the upkeep in our current home, and additionally needed more time to downsize our possessions, so couldn't immediately sell our current home until after we closed on the new home. Also due to the extent of his injuries and deterioration, we are unable to have more children, and have no need for a large home at this time. This denial of the conventional loan due to having too many children was definite discrimination of my familial status that was directly formed from a biased opinion of the underwriter. I feel that the denial had nothing to do with my ability to pay for this loan, or my intentions of my primary residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in violation of Metro 2 compliance, also FCRA and FDCPA, LOCAL AND STATE CONSUMER PROTECTION LAWS.
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute on Collection Account Reporting and Unauthorized Inquiries Dear Experian, I am writing to follow up on my prior dispute regarding inaccuracies and unauthorized inquiries on my credit report. This is my second written request, as my initial dispute has not been addressed to my satisfaction. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fully accurate and verified credit report, and I am now escalating my request. 

Specifically : XXXX. Hard Inquiries, Soft Inquiries, and Promotional Inquiries : My credit report includes numerous inquiries that were not authorized by me, in violation of 15 U.S.C. 1681b. These inquiries lack my consent or a legitimate permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b ( f ), consumer reporting agencies are prohibited from including inquiries that do not meet these criteria.

2. Verification of Inquiries : I demand verifiable proof that each hard inquiry, soft inquiry, and promotional inquiry on my credit report was authorized and valid. If this verification can not be provided, these inquiries must be promptly removed as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

In compliance with the FCRA, I request the following : Verification Documentation : Provide physical copies of all documents showing that these inquiries were authorized by me. This includes any agreements, applications, or written permissions associated with the hard, soft, and promotional inquiries.

Details of Verification Process : Provide the name, position, and contact information of the individual or team responsible for verifying these items and a detailed explanation of the steps taken during the verification process.

Immediate Deletion of Unverified Items : If you can not provide evidence of authorization for these inquiries, I demand their immediate deletion from my credit report.

Additionally, I remind you that my first dispute requested the same verifications and deletions, yet no satisfactory action was taken. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into disputed items. Repeating claims of verification without providing the actual documentation used does not fulfill this legal requirement.

Failure to resolve this matter within the required 30-day timeline will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for addressing this matter promptly. Please provide me with an updated and corrected credit report reflecting the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX Original creditor : XXXX Balance {$920.00} XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

XXXX I had sent a direct ACH from another account that had bounced back without my knowledge being that I was out of town. A fee was triggered due to a gas post. Afterwards I had transferred {$300.00} into this business account and in the midst of my transfer being credited and another debit I was assessed another fee of {$35.00}. Then on XXXX, I was assessed an account maintenance fee. {$100.00} in fees within three business days, two of which were caused by bank glitches. 

On XXXX I checked my account balances and noticed an overdraft of {$65.00}. Upon checking my account balance, I had an account maintenance fee of {$29.00} which is supposed to be waived and a {$35.00} overdraft fee for a XXXX overdraft on a mistaken charge by XXXX. 

I have a Bank of America Business Advantage account which allows for a free account when you have Merchant Services with that account. It is expressly stated in the disclosures. I actively pay for it monthly. 

When the representative looked up my account they attempted to redefine terms regarding what an active Bank of America Merchant Account is ( A supervisor by the name of XXXX who refused to add any additional information besides her name and that she worked out of the XXXX Office ) She asked me to look at my account disclosure agreement which determines whether or not I am charged a fee and I did. XXXX said that I have to have an active Merchant Account with B of A Merchant Services, which I do, that I pay for. Which I said I do. 

She said, that it is only active if I batch within a 60 day period. None of the agreements state that, as well as I have batched several months this year and have been charged fees regardless. 

When I confronted her about this, and the abusive nature of trying to change terms that are not in writing nor agreed upon, not to mention being insulted and being told the only a first name XXXX, in XXXX with no other identifying information. I was extremely insulted. 

In the past 5 business days Bank of America has charged me {$160.00} in total bank charges based on bank glitches, maneuvering around agreed upon contracts and changing the terms with no proof or disclosure. 

I am concerned that I have been targeted by the bank for systematic fee abuse.
Product: Consumer Loan

cars was total loss in XXXX 2016 and to date they have yet to complete the claim. my XXXX insurance has attempted to work with them and do to there delay in processing held the payment up costing me more in intrest. now the agency that is handling the claim has advise me they are a third party and can not seem to give me an exact total off funds of hich i should pay to pay off loan.
Product: Debt collection

I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the companies and I have contacted XXXX, XXXX  and XXXX and it was taking off and put back on.
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, XXXX 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: Checking or savings account

Beginning on XX/XX/2024, I wanted to pay my rent online with my Credit Karma debit card I have had for almost a year. I did not want to leave a large amount of over {$1000.00} just sitting in my checking account for 2 days until my property took the funds. So on XX/XX/2024, I attempted to change the information from my property management to my Credit Karma savings account instead of the checking account. Credit Karma gives you routing and account numbers for the savings account. I took the information down and continued to add that information to my property account in order to take the payments from the savings account. The first time on XX/XX/2024 the money in the amount of {$1100.00} was removed from my savings account, and then reversed on XX/XX/2024. After explaining to my rental office that it was not due to insufficient funds like they were told by the bank, but that the amount was reversed nonetheless. I again attempted to pay my rent on XX/XX/2024 for the amount of {$1100.00}, this amount was removed from my savings account and again was reversed stating " non-transaction account '' and I have to wait until XX/XX/2024 to access the funds again. This fact that the savings account can not be used to pay bills has never been stated in writing or verbally, and it does not state this when trying to use the account for payments and gives a routing and account number associated with the savings account to use. Also if they can not use the savings account for payments, then why would they still be able to pull the amounts from the savings account? This is very deceptive and it has now cost me {$170.00} in return check charges and even more money in late fees with my rental company. On top of this fact, I am 100 % XXXX in a XXXX and now am banned from EVER again paying my rent online with this rental company and now have to spend more money finding a ride, getting to an ATM, buying a money order, and THEN getting it to the rental office. I am enclosing screenshots from my bank account and the rental company.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX Account # : XXXX
Product: Credit card or prepaid card

I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.
Product: Credit reporting or other personal consumer reports

Currently EXPERIAN is reporting to my consumer credit file an account with XXXX XXXXXXXX XXXX as having a open balance but that account has already been paid and closed in full. I have already submitted the dispute through the online portal however, was unable to submit the 1099C received for supportive documentation. I have attached this documentation to this complaint to ensure a timely response. 
I request that this information be updated onto my consumer credit file immediately to reflect as closed, paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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
Product: Mortgage

XXXX - I found out I had a lien on my house while going through a refinance due to Shellpoint mortgage company failing to pay my XXXX taxes. 

After month 's of trying to have them issue a check to the 3rd party vendor they finally issued a check from my escrow account however, they reassured me at the time they would reimburse me the interest that accrued and the penalties in the amount of {$2400.00}. I called asking when I would receive the check and I was given the run around for almost a year. I refinance again since now the lien is removed but while refinancing I was still dealing with an escalation on my reimbursement. After Shellpoint received their pay off check I was then informed that I will not be receiving a check even though a representative reached out to me on XXXX  private stating she had good news I will be receiving a check in the mail. I call XX/XX/XXXX to see why I haven't received a check only to be told that the notes state the exact opposite that I will not be receiving my funds that I am owed.
Product: Debt collection

Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft