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

I submitted a claim on my account on XXXX XXXX to my joint account. 
account number XXXX. 
the claim was in relations to charges made to my account that I wasn't aware about and I felt my account was compromised. 
I was told by the representative that there will be a provisional credit until the investigation os completed. 
In then days time the monies were placed on the account and then the account was closed by the bank. 
I was not given any reason but was just locked put of the account. 
they actual locked my personal and my joint along with my business account. 

I called numerous time and was told I can't have access because it was under investigation. and they needed 90 days. I asked well okay what will happen to my funds in my account. they said they will sent a cheque to my mailing address. 
no check was sent I kept calling and I was not successful. I went in different branch and no none would help me and stated that it was their back office and that they will reach out to me via mail. 

no one did. XX/XX/XXXX they close the account fully and the zero out the monies on the account. I called and they said its cuz my despite was denied. I called the despite department and they said the despite is still un going. I then receive a letter in XXXX that the dispute is completed and that the monies they had returned to me that was fradulently taken out of my account is now permanant. 

the letter stat4es the dispute is in my favor. 

I have not been able to get my monies. no cheque has been received and no monies paid over to me. I have been calling the bank over and over and have gotten to where all is stated to me is that they will email their back office to see hen the check ill be sent to me. 

today is XX/XX/XXXX and I have still not recieved my monies. 
the bank : Citi bank.
Product: Mortgage

In XX/XX/XXXX, I toured a model home at XXXX XXXX, in XXXX XXXX. I liked the home, and inquired on the price and mortgage payment estimates to see if I was qualified to purchase a new build townhome. I've never purchased, or owned a home before. 

XXXX XXXX, is my sales rep who assisted me at the time. She gave me some estimates on pricing and I went home. XXXX contacted me within a few days to let me know that if I'm interested, I need to put a deposit of {$5000.00} and sign a contract. I submitted the {$5000.00} to NVR portal, and signed the contract. 

XXXX let me know that an additional {$20000.00} was required for XXXX money. So I uploaded {$20000.00} in XX/XX/XXXX. During this time I worked with the builder 's lender to secure a mortgage. I was given an estimate for 5.625 % fixed FHA XXXX for XXXX points costing approximately $ XXXX. At that time, the builder was offering $ XXXX in incentives to use their lender. 

I spent months awaiting a pre-approval, which ultimately never came. I inquired with XXXX on what happens if I'm not approved. She assured me everything would work out, and referred me to another " preferred lender '' XXXX XXXX. I started working with movement mortgage simultaneously with NVR, as instructed by the builder XXXX XXXX. Ultimately, movement mortgage never issued a pre-approval, and stopped contacting me. 

At some point in the mortgage process in XX/XX/XXXX, NVR called me to say that I would receive a denial, but not to worry as it was a formality, and that they were working diligently to get me approved. 

I received a call in XXXX from XXXX XXXX that my incentive was being increased to $ XXXX, a document was sent requiring my signature affirming this increased incentive. I signed the increased incentive document. 

I received a conditional approval in XX/XX/XXXX, which included paying down credit card debt, and explaining activity in my accounts, which was done. 

The original scheduled closing date was XX/XX/XXXX. This was pushed back by the builder 's request due to delays with utilities. The next date was XXXX which was also pushed back by the builder for utility delays. the closing was then scheduled for XX/XX/XXXX by the title company XXXX XXXX XXXX. However, the walk-though was scheduled for XX/XX/XXXX. Closing was rescheduled for XX/XX/XXXX, which did not happen because I haven't been fully approved in underwriting, which I was told on closing day when I inquired to confirm if we were closing. 

I've been asking the builder and NVR mortgage for the next steps since closing on XX/XX/XXXX has happened. I have not received an approval from the lender NVR, and when I ask about the XXXX money, I'm referred to the builder XXXX XXXX, which is also NVR. 

I've been sending emails inquiring about the XXXX money and haven't received any money or response, or approval or denial of a mortgage. {$25000.00} which I put up in good faith to purchase, with no mortgage, no house, no guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the only name I go by is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This issue has been reoccurring since last XXXX with the 3 credit bureaus. I sent in documents on multiple occasions showing the address that were on file was not mine, I even sent in my drivers license and proof of address. I asked for the information to be updated and they still to this day refuse to update it. I explained that there were multiple accounts that I did not have access to and for them to send proof as to where they're receiving this information. They have yet to send proof. After the 3rd letter around XX/XX/XXXX I asked them to delete the accounts and the addresses that didn't belong to me and they ignored me. I know I'm not a professional company but I feel as thought they're being rude and not honoring my rights as a consumer. The accounts that I asked for proof of are XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Transunion credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account XXXX XXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1900.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Account closed and is still being reported as delinquent when I didnt contract with this agency.
Product: Vehicle loan or lease

The company Credit Acceptance is reporting a car loan on my XXXX credit report which does not belong to me. It has already been deleted from XXXX and XXXX XXXX but they insist on reporting it on XXXX. I have never been to the state of Minnesota where the loan was obtained and the car purchased. The Loan is in the amount of {$9300.00}. I even paid for the XXXX report on said car and do not recognize any of the information displayed on it. I have disputed with XXXX as well and they refuse to delete this information. I am not able to close on a house due to this fraudulent information. I have also opened a ID theft case on the government website. Please help!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORPORATION is prohibited from reporting late payments on a consumer credit plan for and purposes 15 USC 1666B and according to to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

and a consumer report does not include : report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 16812 ( A ) ( i ) 15 USC 1681 Section 602 states I have the right to privac
Product: Mortgage

I have called Amerihome at least 15 times over the span of XX/XX/XXXX - XX/XX/XXXX to receive my escrow refund for school taxes in the amount of {$3500.00}. I refinanced my mortgage with another company " XXXX XXXX  '' and they collected my school taxes at closing and they were recently paid to the school tax collector. When I refinanced, Amerihome claims they sent my school taxes to the tax collector. I spoke with both the township tax collector and the school tax collector and they claim they never received my school taxes. The school tax collector also stated they would not accept early payment of taxes anyway and the money would be sent back. My escrow disbursement for school taxes occurred on XX/XX/XXXX and Amerihome will not provide me with any additional information on where they sent the taxes other than claiming it was sent to the school tax collector. Clearly, they did not send the monies to the proper party or they still have the funds. Amerihome has to be the most incompentent company I have ever dealt with in my life. Every time I call I get a different answer from a representative and they refuse to put me in contact with a supervisor to attempt to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, transunion will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I noticed that I had some inquiries on my Transunion credit report that I did not approve. The following day XX/XX/XXXX I sent a letter to Transunion explaining how I did not authorize these inquiries listed on my credit and I wanted them removed. Transunion replied by sending me a standard letter explaining why inquiries are on my credit and none of it dealt with unauthorized use. I then contacted them several more times over the course of a year ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about the unauthorized inquiries to no avail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be 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  I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

I would like to dispute my entire Experian, XXXX, and XXXX XXXX reports pursuant to The Fair Credit Reporting Act 15 U.S.C = 1986
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Citi 's collection tactics have severely damaged my reputation at home and are causing me to go into XXXX. From XX/XX/23 to XX/XX/23, I counted nineteen total times they called me to collect one of my past-due credit cards. For another Citi card ( Citi Besy buy card ), I counted twelve times they called. This is a clear violation of the 7 in 7 rule the CFPB has in place for contacting consumers. I feel they are treating me unfair and feel harassed. I am extremely upset about their voice message, they are not limited content messages. The message indicates I should log in to check my account 's status. This was read by my XXXX daughter. She went into a XXXX after reading this message and suffered XXXX about the household not doing well financially. This has ruined my reputation at home. The voicemail does not say specifically to log in to make a payment but says to check my account status which implies my account is behind. Many years of perfect payments with Citi and it is sad to see such aggressive collection tactics to one of their long-time members.
Product: Student loan

XXXX XXXX XXXX defrauded over XXXX students. Navient is attempting to collect on my private student loan for which I have nothing to show for. The US DOE is currently considering my defense to repayment regarding Federal loans to the before mentioned entity. Navient claims they are exempt of following the laws of the state which I reside in, Texas. I notified Navient to cease and desist collections under the Texas Debt Collection Act, a law that Navient states that they are exempt of. I am open to postal communication from Navient, but do not wish to deal with them verbally any further. They run like a record, and repeat over and over how they are exempt, how I owe the money ; yet they are enforcing a contract entered by me in good faith that the receiving entity would deliver what they promised. They must immediately accept my demand to cease and desist phone communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to my account with XXXX XXXX XXXX. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write XXXX XXXX XXXX back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX  report has changed and has been accurate since. However, my Transunion report hasn't changed or been resolved at all. 
I did open a dispute with Transunion in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, Transunion reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, Transunion was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call XXXX, as that's where they get their information. I called XXXX and they opened up an investigation on their end. On XX/XX/XXXX, according to XXXX, they sent over to Transunion the correct account information. I have started another dispute with XXXX on XX/XX/XXXX, but have no results yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called over the phone talk to a live agent XXXX XXXX XXXX should not be on my report only XXXX XXXX XXXX XXXX I shouldnt have no work employments on my report I dont work at XXXX XXXX XXXX I dont work at XXXX XXXX either. Only name should be on my report is XXXX XXXX XXXX no other names no abbreviations etc. full name only
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my latest credit report dated XX/XX/XXXX and the items I disputed remain on my report. I sent letters to all 3 Credit Bureaus TransUnion, XXXX and XXXX in XX/XX/XXXX with detailed request of accounts on my credit report that required investigation. XXXX removed some accounts, XXXX and Transunion did not remove any accounts. I am requesting help from this platform to understand why I did not receive any correspondence. Thanks in advance for your help with this.