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

It's been a month since my account has been locked and I tried everything I can do to get my account closed and get my money back. I opened a Marcus saving account on XXXX referred by a friend. I tried to transfer XXXX dollar into it. Everything looked fine by then so I tried to transfer XXXX dollar into the account again from my original bank account. It was locked immediately. I reached out to the company as soon as possible but they keep asking me verifying myself but they claim my phone number was not able to do so. I submit a CFPB at that time, their staff contact me again and provided a solution to send me a paper version affidavit form. I complete it immediately and sent it back. It has been two weeks since I mailed them and they calimed they have received it. However, the company told me they are still processing my files. 

The company is unable to provide me any timeline of when the review process will end and is unable to let me know if they need any additional information from me. 

My only request at this time is to close this saving account and return my money back to its original payment method.
Product: Mortgage

I asked for help from Mass Atty General they arent helping!

During the beginning of the Covid pandemic the news said to check with your Mtge co to see what they will do to help, I called to see what options were available in the event it was needed! I have been going back n forth via emails,,,,, phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time during this pandemic. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquire, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! 






I have been going back n forth via emails phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquired, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! l - [ ]
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address isXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes. Experian has been accused of not investing correctly and inserting inaccurate information on credit reports. Including mine. 


Equifax was a subject of a data breach in XXXX. 

Transition has stolen millions of identities, including mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, AND FORCEFUL DISCLOSURE OF MY PERSONAL INFORMATION : RE : [ CITICARDS CBNA XXXX ], I requested that citibank send me evidence of their obligations in accordance to 15 USC 6802 which must be observed before they share my nonpublic personal information with non affiliated third parties in the likes of the following corporations : XXXX, XXXX, AND XXXX. they refuse to provide me this information. they only sent me the terms and agreement of the credit card. the terms of agreement states that you may report if necessary. however you IN FACT are governed by your obligations in accordance to 15 USC 6802 which requires certain protocols that you must observe to me as a consumer before you may report such information. Failure to observe such obligations will constitute to a data bridge of my nonpublic personal information. this is my last complaint here on the CFPB. my further action if you fail to resolve this situation will be to pursue legal actions for leaking my personal information to non affiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a total of 18 inaccurate student loan late payments from XX/XX/2015- XX/XX/2015 ( accounts-XXXX/ XXXX XXXX ) that recently appeared on my credit report with Equifax. Also the same accounts are reported differently with XXXX I had my address updated with them, also providing a valid and current Driver License and Social Security card and banking statement with my correct current address during disputes. Because they sent letters to my current address requesting verification of my identity, but still report wrong address on my credit report How is that possible? I even called them numerous of times to have them update my identity with current information. So now I pull my credit report and they are yet again still reporting wrong address ( proof enclosed ) and now these late payments have shown up on accounts listed which were not there before. Clearly a violation with the FCRA, and I want to take legal action on this matter.
Product: Debt collection

This is in relation to prior closed complaint XXXX with the CFPB. I am a single live person writing this narrative!! I have yet to receive any documents verifying this collection with this company. I was given a tracking number but the document they have claimed to send was never delivered. XXXX  using the tracking number XXXX. 
This company does not even have a license to conduct business in the state of South carolina according to XXXX and SC REQUIRES DEBT COLLECTORS TO HAVE A BUSINESS LICENSE/REGULATIONS. I have attached their profile onto this complaint, once again I am requesting AD ASTRA terminate collection efforts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligence under 1681o Non-Compliance I am writing to formally dispute the claim regarding my credit report that was reported to your agency. The account in question is [ account number, if applicable ] and I believe that this account is inaccurate due to a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence. 

The account in question has been reported in a manner that is inconsistent with my understanding of the situation and the facts. I believe that your reporting practices, as they pertain to my information, were negligent and did not comply with the standards outlined in the FCRA, which has caused damage to my credit profile. 

As per Section 1681o, I am requesting that you correct the error and provide evidence of your compliance with the necessary procedures in verifying the accuracy of this account. Failure to do so would be a direct violation of the FCRA, which entitles me to both an amendment of the record and potential civil damages. 

Please investigate the matter and provide me with the following information : Verification that the information reported is accurate and that it complies with the standards of FCRA. 
Evidence of compliance with reasonable procedures to ensure the accuracy of the information. 
Any documentation or records pertaining to the reporting of this account. 
Please respond within 30 days of the receipt of this letter, as stipulated by the FCRA. If the information is not corrected within this time frame, I will be forced to take further action, including seeking remedies under civil liability for negligence as outlined in Section 1681o of the FCRA. 

I look forward to your prompt attention to this matter. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX {$2600.00} ACCT XXXX XXXX {$6300.00} ACCT XXXX XXXX XXXX {$4200.00} ACCT XXXXXXXX XXXX XXXXXXXX {$21000.00} ACCT XXXX XXXXXXXX XXXX  {$1300.00} ACCT XXXX XXXX XXXX XXXX$2800.00} ACCT XXXX XXXX XXXX {$13000.00} ACCT XXXX XXXX XXXX$3100.00} ACCT XXXX XXXX {$410.00} ACCT XXXXXXXX XXXX {$680.00} ACCT XXXXXXXX XXXX {$170.00} ACCT XXXX XXXX {$350.00} ACCT XXXXXXXX XXXX  {$26.00} ACCT XXXXXXXX XXXX  {$38.00} ACCT XXXX XXXX  {$330.00} ACCT XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to whoever can help assist me, I recently came across this lawsuit and found out that Experian has violated FCRA guidelines with Law 15 USC 1681, 15 USC 1681i ( A ) 1, 15usc 1681i ( a ) 6 ( B ) 3 Investigation protocol, and 15 USC 1681i ( a ) ( 5 ) B Reinsertion protocols. This experience has been both frustrating and disheartening, as it has significantly impacted my financial opportunities and personal well-being. I firmly believe that Experian lack of diligence and adherence to the FCRAs requirements undermines consumer trust and places undue burned on individuals striving to protect their financial reputation. 

I support holding Experian accountable for these violations and am committed to advocating for greater transparency and accountability in the credit reporting process. No consumer should have to endure the challenges I faced due to errors and negligence in handling sensitive financial data. I have for the last year have been disputing promptly to Experian when I found out they failed to conduct a thorough investigation within the timeframes mandated by the FCRA. The company either failed to address the inaccuracies or reinserted the disputed items without proper notification or verification, compounding the harm to my financial standing. The inaccuracies adversely affected my credit score, leading to denial of credit, higher interest rates, and difficulty securing housing. Thank you for considering my statement. I am available to provide any additional details to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to notify them that they have scored me using old-outdated information. They had a ten year old bankruptcy listed on my record. Equifax had the same record the previous month but when they removed it, my scored jumped 88 points from a score of XXXX to XXXX. I contacted TransUnion to inform them of their mistake and they did remove the bankruptcy from my record. My issue is that even after removing a bankruptcy, my score XXXX with TransUnion did not change at all. How is it even possible that the removal of a very bad record such as a bankruptcy report did not change a credit report score at all???? 

I request that TransUnion recalculate my credit score rating taking in consideration that it no longer has a bankruptcy record. My credit score should be in the 800-850 range!
Product: Mortgage

XXXX sold my mortgage in early XX/XX/XXXX to US Bank. I was informed to follow up with US Bank regarding making sure my property taxes were paid. I spoke with one US Bank rep early in XXXX and they did pay the city tax. I was assured they would pay the XXXX  ( county ) tax by the end of the month when it was due. I called US Bank on XX/XX/XXXX and the rep said my taxes would be paid by the XXXX of XXXX. I called US Bank on XX/XX/XXXX and spoke to " XXXX '' in the tax department who said they needed to get approval to pay the late fees. She said to call back in a couple days for more information. I called US Bank on XX/XX/XXXX. I spoke to " XXXX '' in the tax department. He said the property tax in the amount of {$1400.00} which included late fees was paid the prior day. He said the transaction should show online with in 48 hours. I called US Bank on XX/XX/XXXX and spoke to the tax department supervisor " XXXX '' who said the tax was not yet paid and she would have to find out why it was not paid. She assured me the tax should get paid by midnight on the XXXX. I called US bank on XX/XX/XXXX. I spoke to " XXXX '' who said the tax was not paid. XXXX said they would have to get approval to pay any additional late fees and they would call back with an update.
Product: Credit card

I did not open. 
This account damage and information Send to credit bureau damaged my Is credit score
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Acct : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect high balance incorrect date last activity incorrect date reported incorrect date open
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Credit Report Information Dear Equifax , I am writing to formally dispute certain information in my credit report, which I obtained from your agency on [ insert date you received the report ]. According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate or incomplete. 

The specific items I am disputing are : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED 2 LACK OF RECENT REVOLVING ACCOUNT INFORMATION PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKN I believe these items are inaccurate for the following reasons : My information was exposed to a data breach all my information was exposed to the public and I dont need my dispute to into a third day dispute under section 605 B ( Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency. Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection of this section ) this should be removed in 4 days. 

I have enclosed copies of any relevant documents that support my dispute, including list any documents you are including, such as payment records, account statements, or identification. 

Please conduct a thorough investigation of these disputed items. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 4 days of receiving this letter. 

Once your investigation is complete, please provide me with a full report of your findings, as well as a copy of my updated credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. Should you need to reach me for any reason, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for credit with Pay Pal. I saw that Pay Pal pulled my credit without my authorization. I asked for the credit application and they said I did apply and they decided not to approve my application and they could not tell me why. I have over $ 60k available credit and a XXXX credit score so if I did apply for the credit from Pay Pal why did they not approve me unless the application didnt have my correct information. Please expunge from the credit reports as I did not authorize Pay Pal to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions. 

XXXX XXXX XXXX.Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX
Product: Consumer Loan

I needed car repair, was offered financing via XXXX as their financing option, which I accepted. Upon picking up the vehicle I learned that the financing was at 119.56 %, which is grossly high, and very unfair to someone who needs the financing. 

I want to complain that the financing charge is far too high and should be reduced to a fair rate, of under 50 %. They are taking advantage of the financially disadvantaged person who can otherwise pay off a loan, and this is a rip-off.
Product: Checking or savings account

THIS IS NOT A DUPLICAT COMPLIANT. 
XX/XX/2018 CFPB Case No. XXXX ACCOUNT NUMBER : # XXXX XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX, I spoke to the online manager of Citibank regarding the accounts listed above. I was told that the title of the accounts is under my name as primary account holders, and my children are secondary. For this reason, the accounts listed above are being disqualified to earn promotional bonuses. 
When I visited Citibank on XXXX on XX/XX/2018 to deposit a check, one of the tellers referred me for the checking promotions. I showed my interested then she referred me to the manager. I asked the manager how I could qualify to earn bonuses and meet the promotions requirements. Would my children qualify, being XXXX and XXXX and new to Citi bank? I was told that I wouldnt qualify since I have existing accounts with CitiBank but my children would. I returned to the branch on XX/XX/XXXX to open accounts and I provided my childrens social security numbers and transferred the NEW money from XXXX XXXX XXXX  to their new Citi bank accounts. The manager told me the bonuses would not allocate to the accounts until ended of XX/XX/XXXX. 
After waiting for seven months, the bonuses were not allocated to my childrens account. I contacted the online banking and I was told to contact the branch where I opened the accounts. The branch manager, XXXX told me that the accounts are custodian accounts which automatically are disqualified for the bonuses. I did not know that my childrens accounts were opened as custodian accounts and I have no knowledge that I am the primary account holders for my childrens accounts until online manager told me on XX/XX/XXXX. All I remember that I asked the branch manager make sure that they were using my childrens social security numbers for income tax for promotional bonuses and link their accounts to mine existing Citi Bank accounts for better management. After I opened accounts, I received transaction receipts and a Citibank post note written with my children 's account numbers. Nothing more related to my children 's accounts. 
After I compliant, XXXX offered me for XXXX Thank You points to settle this case. I rejected them because it was Citibanks mistakes which misled me. I am asking the bank to correct their mistakes and pay the accounts listed above back with the promotional bonuses of {$300.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX