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

On XX/XX/2022 we were notified by U S Bank that they had closed our credit card with a high credit limit because we had not used the card in 12 months. We were very concerned about the impact on our credit rating. I called customer service and talked with XXXX ( sp? ). She told me that I had to send a letter to cardmember services to get the card reopened and the request had to reach them within 30 days of the account being closed. They closed the account on XX/XX/XXXX, I found out later. They would also pull a credit report ... a double hit to our credit rating. Next we went into the bank and talked to XXXX. He tried to help us but eventually he was told that we had to apply to reopen the card. Next we called customer service again and I talked with XXXX ( male ) and he read the account notes and said I needed a supervisor. After 5-10 minutes XXXX, a supervisor answered. She was intent on making sure that I didn't get a chance to talk much. She talked without taking a breath and would interrupt me when I finally tried to talk. I finally told her that I was going to report this experience to the CFPB and her name would be attached to my report. She said derisively that the report would be going to a different division and that she would never be found. This conversation happened at XXXX p.m. mountain time. One thing I was able to get out of her was that they really didn't have any interest in reopening the account. So I know that requesting the account be reopened would only harm our credit rating further. I made sure that everyone knew that we had been loyal customers for a long time and the account was closed by them and not because we had missed a payment or any other negative reason.
Product: Mortgage

Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The XXXX XXXX reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}
Product: Credit reporting or other personal consumer reports

I will forever continue to dispute this debt as it is not mine and you have provided literally XXXX proof that the debt is mine yet you keep putting the debt by XXXX XXXX on my report after it was close. You need to close it again. This is unacceptable. I will continue to dispute this until the end of time.
Product: Debt collection

Patient Accounts Bureau calls 3-4 times a day alleging that I owe a balance of {$200.00} ( co-pay ) to XXXX. Spoke to a " XXXX '' who was very rude and demanded that I give him a credit card for this payment and that I should then get a refund from the XXXX? What?!?!? 
I have told them to stop calling me. He hung up when I refused to give him my credit card information. but someone else from P.A.B. has called the next 2 days with the same
Product: Checking or savings account

On XX/XX/year> I did a purchase at a store for a device that I returned the same day to the store and at that time I was promised a credit back to the account within five business days upon the fifth day, I noticed that the credit had not been posted back to the account so I notified Chime disputes department and a claim was started but today I received an email from them as I noticed, they had changed the dispute reason and I feel as if by doing that it isnt still the same, and it isnt correct for them to come up with their own description of it as like they do not believe what I was saying in the beginning, I dont know, but it doesnt sound too good. I caught them back telling them to change it back to credit not posted, as I started out with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}
Product: Credit card or prepaid card

I have been attempting to dispute practices and false reporting by CitiBank NA on my closed account. Because of my complaints against them, CitiBank flagged my account in XXXX and increased the balance for fees/interest/ other which exceed the total of the credit line even though the account has been closed for years. I received notification from XXXX that CitiBank flagged my account in XXXX, and it resulted in another major credit score drop. CitiBank, being the predatory lender they are is attempting to ruin my credit even further than they already have. There should be no new flags or costs associated with this account since it has been closed for years, and per Citi was transferred to a collection agency over 3 years ago.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the XXXX  definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Debt collection

Amount of {$2100.00}, XX/XX/XXXX to present. Threatened an eviction, said we had to pay the full amount and it wouldnt remove the eviction. After speaking with the courts there isnt a pending or filed eviction. The apartment company spoke with me stating there isnt an eviction and that there shouldnt be charges for the next months rent since we moved out before.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed they have unauthorized and inaccurate information on my credit report. These remarks have been detrimental to my credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report.

1. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account.

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus.

Relief Sought : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments.

A formal investigation into the ongoing violations and unfair reporting practices.

Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Cell : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my XXXX report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX  reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. Experian does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to Experian, XXXX, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with Experian, XXXX, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for XXXX  to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts that were fraudulently added to my credit file. As a victim of a data breach, I did not authorize these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00}
Product: Mortgage

On XX/XX/XXXX I noticed an escrow refund was issued from the account and a significantly reduced escrow analysis was completed. 

Upon closer review Flagstar Mortgage had made no payments for XXXX  property taxes. Their new escrow analysis was also based around them paying no property taxes for XXXX  either. 

I am now delinquent on my property taxes as a result of Flagstar poor management of the escrow account. 

Despite contacting them 3 separate times they have made no payments on the outstanding tax balance and have provided no information on how this occured or why no progress has been made.
Product: Checking or savings account

To Whom It May Concern, I write to you with deep concern and frustration regarding the handling of my account by SoFi Bank. It is imperative that you are made aware of the distressing situation I, along with numerous others, have found ourselves in due to the actions of your institution. 

For the second time, I have been subjected to an unjustifiable account restriction by SoFi Bank, leaving me without access to my own funds. While I could somewhat understand the inconvenience of the initial incident under the guise of fraud prevention, the repetition of this ordeal without cause or prior warning is entirely unacceptable. 

The simple act of transferring funds between my own accounts should not warrant such extreme measures. SoFi Bank 's actions demonstrate a significant disregard for customer welfare and basic principles of service. 

Adding to the severity of this situation is the unprofessional conduct displayed by SoFi Bank 's staff. Their rudeness, incompetence, and lack of empathy have only exacerbated an already dire circumstance. I refuse to tolerate such treatment, particularly during a time of genuine financial strain. 

As I face essential financial obligations such as rent, bills, and sustenance, I find myself in a state of vulnerability. How can I justify to my landlord, creditors, and, most importantly, my family, that they must suffer due to SoFi Bank 's incompetence? 

It is evident that SoFi Bank has failed to comprehend the severity of this matter. I demand immediate action to rectify this egregious error. Transparency, accountability, and appropriate restitution are essential to mitigate the anguish and suffering inflicted upon myself and countless others. 

Consider this a formal complaint : Failure to address this matter promptly and satisfactorily will leave me with no choice but to escalate my concerns through additional channels, including the media and legal avenues. 

The responsibility now lies with SoFi Bank to act decisively and responsibly.
Product: Student loan

FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.