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

I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him
Product: Credit reporting

I submitted a claim for this previously but attached the incorrect document. I am filing this claim because of an error on my Transunion Credit Report however on my previously submitted claim I mistakenly attached my XXXX Credit Report as documentation. This is an updated claim with the correct document attached this time. Sorry for the inconvenience. 

It shows that my XXXX XXXX account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans or known as XXXX, through hard background pulls, pulled my credit 2x in 2 days which lowered my FICO score by 150 points they claimed that was not possible but hard pulls happened to be the only change and I was STUCK using them bcuz other agencies would only affect in additional negativity on my credit report because of this I was not able to get a conventional loan for which I previously qualified. Of course lies were made promising this would be looked into and corrected but when I pushed for results and correction updates I was told that the only thing they can do IS RERUN my report which would n't help me at all and would most likely make my rate higher ... I was disgusted but unable to do anything ... the option they offered was to refinance in 6mths through them ... this must be stopped they lied az well as raised rates after the facts. I would have sued but they knew I was n't able to afford it after adjusting my fees and constantly changing where money was going to and from ... people should n't feel so hopeless and I was n't able to get them to remove one of the hard pulls asked for help received none
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00}
Product: Credit card

Subject : Misclassification of Returned Payment as Purchase and Denial of Fee Waiver Complaint Summary : Im filing this complaint regarding how Citibank handled a recent issue on my credit card account. On or around XX/XX/year>, a scheduled payment of {$650.00} failed due to an error on my part. I had unintentionally unlinked my Citi account from my XXXXXXXX XXXX account, resulting in an invalid payment method. 

Citi attempted to pull the payment three times and ultimately marked it as a returned payment. However, instead of simply flagging it as a failed transaction, Citi classified this failed payment as a purchase. That shifted the balance into a segment subject to a different APR than my existing balance transfer promotional offer. 

This is a misrepresentation of the transaction type. No purchase ever occurred, as this was a failed ACH payment attempt. Moreover, the funds were never actually pulled from my bank. Labeling it a returned payment that adds to my purchase balance and incurs interest is both misleading and financially punitive. 

I promptly corrected the issue by making a new payment that successfully posted. I requested a one-time courtesy waiver for the {$30.00} returned payment fee, but was told by multiple Citi representatives , including a supervisor, that the system denied the request and could not be overridden. This was despite my account being in otherwise good standing and the situation being an honest, corrected mistake.

Key Issues : - A returned payment was misclassified as a purchase, which affected promotional APR terms - Citis system is charging additional interest on a non-purchase, which appears to violate the intent of the original offer - The bank refused a reasonable one-time fee waiver despite a good payment history and prompt resolution - There was no fair or effective escalation path, and I was told there was nothing anyone could do I believe this practice is deceptive and deserves regulatory review.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQURIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is adding interest to a collection account that is not owed. I have asked transunion to investigate the cause of these charges, but the errors have not been corrected. This balance is still incorrect, and they are not allowed to add more interest to it. According to the statute NRS 99.040 ( 1 ) " When there is no express contract in writing fixing a different rate of interest, interest must be allowed at a rate equal to the prime rate at the largest bank in Nevada, as ascertained by the Commissioner of Financial Institutions, on XXXX, or XXXX, as the case XXXX be, immediately preceding the date of the transaction, plus 2 percent, upon all money from the time it becomes due. The prime interest rate on XXXX XXXX was 4.25 %.
Product: Debt collection

This is for XXXX XXXX XXXX, that they were supposed to come and pick up and NEVER did. I told them, I still have it, if they would like to come and get it, but I WILL NOT pay for something that is due to the company 's fault.
Product: Credit card

I have spoken with NFCU before as well as made a CFPB complaint on them for reporting the same credit card multiple times to the credit reporting agencies. They agreed to remove the duplicate accounts showing incorrect balances yet when I pulled my XXXX report on XXXX/XXXX/15 they have not done so per XXXX. They are inaccurately reporting a balance of {$7100.00} AND reporting the accurate balance I have been paying on. They need to remove this duplicate from my XXXX report immediately because it is detrimental to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Product: Credit reporting

Since XX/XX/XXXX I have initiated 3 disputes with Equifax and to date none have been completed. Most of the disputed items still remain on my credit report. The last dispute was initiated on XX/XX/XXXX. Since then I have looked at my report on XXXX and it does show that XXXX accounts have been removed but to this day I have not received in correspondence from Equifax or any updated reports. When I check the status on their website, it still shows pending, along with the previous 2 disputes. I have not received any updated reports or results of my disputes. Most of the items were opened around the same time and were from the same main bank, either XXXX or XXXX. XXXX has sent me letters showing that the dispute of their items were found in my favor. I have attached documentation of 3 of those letters. Those have been removed but the others still remain on my account. I also am attaching proof that my data was breached yet again in XX/XX/XXXX.
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX, the mortgage company Mr. Cooper serviced a VA mortgage I held jointly with my spouse. Despite repeated assurances from the company that all diligent measures would be taken to protect our sensitive personal financial information, Mr. Cooper retained this information after the loan was transferred and paid off. As a consequence of the firms retention of our sensitive data and further failures to maintain requisite systems security our names, addresses, social security numbers, and personally identifying details were leaked to an undisclosed third party. 

Time and time again, financial firms negligent handling of consumer data in conjunction with a lack of basic information systems security results in data breaches. Without any accountability or penalties there is no incentive for adequate investment in security. Rather, costs saved by not implementing these basic measures fatten bottom lines while exposing consumers to immense risk and potential harm. It is incumbent upon the CFPB, FTC and other agencies to increase enforcement until the costs of a data breach become incentive to properly safeguard this sensitive information. 

It is also essential that notice of past breaches be made centrally available to inform consumers. This information would go a long way toward guiding consumers to firms that are capable and careful with their data as the paltry offers of credit monitoring are insufficient to redress the harm caused by this negligence.
Product: Debt collection

Hello I am reaching out in regards of a collection that was charged to me of {$160.00} from XXXX XXXX. The credit COLLECTION SERVICES CCS has the collection paid off, however during they are still to remove this collection out of my credit report.
Product: Mortgage

Reverse mortgage servicer Celink filed an illegal notice of default and foreclosure, without any cause or notice, and I would like it removed, along with all of the unjustified attorney and filing fees. No payments were behind or due. Celink was promptly notified by me, the executor, and by the probate attorney, that the homeowner, my XXXX XXXX  on XX/XX/XXXX and that the heirs intended to sell the house as soon as the damage to the house was fixed. Later Celink said that was the reason they filed the foreclosure notice on XX/XX/XXXX was because they were not notified of the death and the intent to sell the house. I have proof, which I have shown them, that they were promptly notified and they even responded. Celink required that the house could not be sold until repairs were made ( see attached email ) and yet Celink refused to forward the insurance checks that were sent to pay for those repairs. Their unfair business practices are responsible for any delays in selling the house ( which is on the market ). I believe this foreclosure filing is an attempt to take the house illegally and sell it at auction for their own gain. Please see the attached documents
Product: Checking or savings account

Had an issue in an application I used. The developer for the application refused to help me with my issues. Called my bank to get my money invested back. Wells fargo claims department credited my account with funds then took them back. I have been contacting the claims department regarding my issue and they always tell me to re send in documentation. I have sent in my documentation 4 different times, ( each with a 48 hour waiting period ) and now my finances are spiraling downhill. The bank also took my VA  XXXX pay because of the negative balance I incurred from them taking the money back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score.

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to adequate customer XXXX XXXX XXXX XXXX XXXX XXXX violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX with error resolution requiemen under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want ( Block, Inc. ) due to adequate customer servi and XXXX XXXX XXXX  violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX with error resolution requiemen under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX I want the CFPB to publish this, the CFPB to publish this,
Product: Debt collection

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation
Product: Credit reporting or other personal consumer reports

I was looking for my first credit card about a year ago, and was using pre-approval tools to understand what cards I was eligible for. Without ever having submitted the application, I received a card from XXXX, their Student It card, with a limit of {$500.00}. I never used the card, shredded it immediately, and had it closed in XXXX of 2023. The card still remains on my report as an inquiry despite attempts to clarify this issue with the creditor as well as credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items stated below continue to report on my credit report in violation of federal law despite numerous written requests. The 3 credit bureaus never responded to my letter, which I sent to them. In line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), this items must be verified. I will file a lawsuit against them if they refuse to verify these items. So that this situation can be rectified as soon as possible, kindly abide by the law. 

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: Credit reporting or other personal consumer reports

PNC is show in the following documentation manipulating data being reported to the credit agencies as a means of punishment for disputing information. An account that was disputed for a charge off was updated to the year 2024 and the current month as punishment for charge off dispute.
Product: Mortgage

I XXXX filing a complaint against Nation Star Mortgage this is my third request with this company noting is being done to resolve the problem i have with this company they are horrible and difficult to deal with Nation Star has on my credit that i have a first mortgage home equity loan i have never had a first mortgage line of credit this is preventing me from doing anything financial with my home i had a second mortgage and it was paid off i have the documentation for that loan i want this problem ti be resolve with this company i am tiered of going no where with this company please help me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!