23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a letter via Consumer Financial Protection Bureau ( Case # XXXX ) to Citi detailing a fraudulent charge posted on my Citi Rewards+ account ending in XXXX. In response to my complaint, Citi claims they " no longer have the means to further assist me. '' This is in direct violation of XXXX 's XXXX XXXX XXXX XXXX https : //www.XXXX.us/en-us/personal/get-support/zero-liability-terms-conditions.html ) that Citi should abide by since the issued card is a XXXX. 

I have provided significant evidence to Citi in order to show that I should not be responsible for the {$1100.00} charge on XX/XX/XXXX by XXXX XXXX XXXX XXXX. There should be no reason the bank would not be able to assist me further with this case. 

I had canceled the original purchase and now the merchant is showing a receipt under someone else 's name for a product delivered to someone else while charging my credit card. I have not received anything from this merchant nor authorized the charge on my card. I should be protected under XXXX 's XXXX XXXX XXXX with no issues at all.
Product: Credit card

I reported suspicious activity on my Credit card for {$22000.00} on XX/XX/year>, at crypto.com. I have received Navy Federal Credit Union ( NFCU ) letter dated XX/XX/year> concluding that there is no billing errors regarding this transaction. 
On XX/XX/year>, I requested NFCU to provide me with the information used in their investigation ( attached letter and certified mail receipt ), but I have not received any response. Instead, I received another letter dated XX/XX/year>, stating that NFCU conducted a second review of the fraud claim, which I did not request. In the same letter, NFCU concluded that there were no issues. I did not request a second review ; rather, I'm requesting to the information NFCU used in their investigation, including but not limited to : XXXX. The specific information and documentation reviewed during the investigations. 
XXXX. Any policy guiding you to your conclusions. 
According to the Electronic Funds Transfer Act ( EFTA ), I have the right to request the information Navy Federal Credit Union ( NFCU ) used to make the decision, and NFCU has failed to provide it to me. Additionally, I do not have any account with crypto.com, and I am not responsible for this transaction.
Product: Mortgage

We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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.
Product: Checking or savings account

I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.
Product: Credit reporting or other personal consumer reports

I did not receive statements from ( XXXX  XXXX XXXX  XXXX ) 21 days before. the due dates for the months of ( XX/XX/24 & XX/XX/24 ). According to the FCRA, 15 USC Code 1681a creditors must send statements at least 21 days before the due date to allow consumers sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out 21 days prior to the due date. Please provide tracking #.
Product: Credit reporting or other personal consumer reports

Please see the enclosed documentation in regards to improper use of my credit profile according to the laws
Product: Student loan

Every statement I have received from Navient shows that Ive been charged for unpaid interest & unpaid fees every month between {$40.00} and {$80.00}. On my XXXX statement the more than doubled to {$150.00} for no apparent reason. Ive been making the minimum payment on autopay every month so the charges should not be fees ( confirmed this with Navient on XX/XX/2024 ). I called Navient on XX/XX/XXXX  to inquire about the charges and they are unable to provide me with an answer or any information as to the reason why I continue to be charged such fees every month.
Product: Mortgage

On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX XXXX XXXX  TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a factual dispute letter to Experian highlighting its inaccuracies and incompleteness of reporting in regards to my credit file. Enclosed with that letter was a correspondence letter from XXXX XXXX XXXX, XXXX with highlights that confirmed the incomplete reporting and the inaccuracies in my file. 
Experian responded with four letters. Three of the four letters were dated XX/XX/2020. One of the four was dated XX/XX/2020. This was the correspondence letter that prompted my request for the description of how the reinvestigation was conducted and how Experian determined verification of accuracy and completeness regarding the results of the dispute. 
Along with the request for description of how the reinvestigation was conducted and how Experian determined verification of accuracy and completeness regarding dispute, I also requested Experian to provide copies of any documents bearing my signature, showing a legal binding obligation and the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from Experian or any acknowledgment.
Product: Mortgage

Good morning, I would like to know why my PMI is not being removed on my account even though I have reached WELL under 78 % XXXX ( I'm probably under 50 % at this point ). I have consumer rights which are being breached and I would like a detailed explanation. Furthermore, I would like contact information on how to serve you because this is an illegal action and I refuse to continue to pay PMl on my mortgage as my XXXX is below 78 % and I am opting to take legal action if this situation is not immediately remedied. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my reports. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so
Product: Credit card

I've used Paypal since XXXX and have been content with their credit card. Last week I received a notice that I had a new card coming. I didn't order one and mine wasn't expiring but they said when there's been a breach somewhere one will be sent out automatically. Then on XX/XX/XXXX I received notice that my address had changed. I looked on their website and it had not, so I deleted it as a phishing email. The same day my regular monthly payment was declined, so I called and was told my card had been canceled the day before. I followed a link ( sent to my phone ) to verify my identity and gave them a code to confirm it. They said they changed everything back to my information and I changed emails and passwords. Today I logged back on and saw the address was not mine so I called and asked how someone could change my information from a phone call when I had to follow a link to my personal phone? The woman asked what address I wanted to change it to and I asked her how she knew who I was when I had to verify myself two days earlier? She asked what I wanted her to do so I again gave my correct address. I don't know if it wasn't changed on the XXXX or if it was changed again afterwards. As I've been changing my email address everywhere, on XXXX I saw a notice that my address had changed on my credit report. I was told by XXXX that it was under Synchrony Bank, which is what Paypal used for my credit card. I called Paypal and asked them to cancel the new card they were about to send out and to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me For the past two years the three Credit Bureaus, such as, XXXX XXXX, XXXX, Experian I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe XXXX point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, Equifax, and XXXX. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX. When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has continued to provide false information on my credit files. XXXX XXXX and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the XXXX Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from BOA indicating that I was NOT LATE. This has been and ongoing issue with clear violations by BOA and continued by XXXX XXXX and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes BOA letter dated XX/XX/XXXX responding to my payment dispute and request for correction BOA letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX BOA XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
Product: Debt collection

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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

I am re-submitting another CFPB complaint as follow up and an assurance that the XXXX, XXXX and TRANSUNION Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting

Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/XXXX - XXXX XXXX, XXXX