23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due tXXXX XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

I sent a rent check to my landlord, to his business name. It was stolen on route and It was deposited by a different party. I can not make out anything from the endorsement. 

I asked my bank who deposited the check. They said that they have to investigate. 

It's been a very long time since. And they are still investigating. I first asked them in XXXX and they said up to six months. I didn't get anything. 

I am enclosing a copy of the front and back of the check. 

PS. My landlord also filed a complaint but was answered that since he was not the signatory, they can not answer him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning about the XXXX Spring/Summer hack of Equifax, I took the following actions on XXXX XXXX, XXXX : Went to the Equifax website and learned that my information may have been stolen as part of the hack. 
Put a freeze on my account with Equifax, XXXX, and XXXX. 
Placed an initial 90 day fraud alert on my credit file. 

I understand that the hack is not entirely the fault of Equifax, nonetheless, I feel harmed and believe my information is now out on the internet/public and I am vulnerable to identity theft. I have taken actions listed above to mitigate the damage, but I also had to pay for the freezes on my accounts. I know I am not alone in this, and I look forward to action being taken to reconcile this problem.
Product: Credit card or prepaid card

I opened a Saks Fifth Avenue Store Credit Card issued by Capital One on XX/XX/2019. My account was locked by " Saks '' for verification in XXXX so I had to verify myself with photo ID by visiting a local Saks store. After I visited my local Saks store in XXXX, AL, my card was successfully unlocked by showing my ID to the staff. Later my account was locked by " Capital One '' again for verification again in XX/XX/2019. By following their instruction, I faxed them all of the required documents including my SSN, Driver 's License, and my most recent paystub. Later, Capital One still decided to close my account and their reasons are : - Unable to verify personal documents - unable to verify personal data I am okay to get my account closed because it was a very bad experience communicating with them to solve my issue. However, before the card is locked, I placed orders worth over {$20000.00} during a Saks promo event in early XXXX and I made the payment right way in the store to cover those charges but the store canceled most of the orders. Therefore I had - {$15000.00} overpayment on my account before it was blocked and closed by Capital One. When I tried to retrieve this credit in the form of check, Capital One refused and they said the money in this account will be permanently frozen. They said it is because they can't verify my identity and there is no other way to resolve it. I just can't understand how they couldn't verify my identity with all the required documents I provided and just simply took away my money. 

Their Fraud Department manager even made a false statement by saying the money in a closed account will not be returned and this is stated in the Terms of Use, which is not true after I read the full terms of use for this card. The only thing saying about the balance of a closed account is : " If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account. '' I also attached their terms of use agreement in the attachment.
Product: Credit card

I purchased an {$700.00} TV from XXXX. The TV worked well initially, but then started being extremely slow and having wifi connection issues. I purchased this under XXXX 's 100-Day Risk-Free Trial ( specific for TVs ) which is STILL on the front page of their website which can be viewed here : XXXX XXXX XXXX. When I contacted XXXX, they said their refund policy is not 100 days and that I can not return the item. Huh? I explained to them that their promotional policy is 100 days and sent them that link. They continued to insist that they do not offer this refund period. I initiated a dispute with my bank who decided to side with XXXX despite me sending this information to them along with video evidence of the TV being faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only names that should be on my file is XXXX XXXX or XXXX XXXX The only address is my home of 10 plus years XXXX XXXX XXXXXXXX XXXX MI and XXXX XXXX XXXX XXXX XXXX mi XXXX. My Identity was stolen still trying to put it all together I made a report with my local PD and and frozen all my credit reports and taking the next steps with my local PD
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize the sharing of my non-public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they aren't even in compliance with Metro 2 credit reporting. 
I have evidence to prove my case!
Product: Credit reporting or other personal consumer reports

the inquiries are not mine. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - These inquiries are incorrect please remove.
Product: Mortgage

SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.
Product: Credit card or prepaid card

I spoke with Citi bank via phone call on XX/XX/2022. I informed the representative I had fraud occur on my account and I wanted to report it. I reported the fraud and was informed my investigation would be started. XX/XX/2022 I receive an email saying Citi was closing my credit card account. I called Citi and spoke with XXXX in the XXXX XXXX department at XXXX XXXX. I informed XXXX I was a victim of fraud and she refused to help. XXXX was unnecessarily snark and condescending. I felt helpless and shamed for being a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Debt collection

I tried emailing Holloway Credit Solutions on XX/XX/XXXX to resolve this complaint. They do not except email. I am not contacting them on the phone due to how rude the employees are. 

In XXXX I received a letter from Holloway Credit Solutions saying I had till XX/XX/XXXX to submit a financial aid application to XXXX XXXX XXXX or pay this debt for {$3300.00}. XX/XX/XXXX i mailed a financial aid application to XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent a letter saying they reviewed my Financial Aid application and I qualify for 100 % charity discount through XX/XX/XXXX. On XX/XX/XXXX Holloway Credit Solutions added this debt to my credit report. No where in the letter did it state that I needed to contact Holloway Credit Solutions and notify them I was sending the application or what response I received for the application from XXXX XXXX XXXX. So Holloway Credit Solutions should be responsible for double checking someone account before adding a collection account on someone's credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Cash app took {$500.00} from me. Actually someone fake acting like there from cash app I got a hold of cash app and they hung up on me saying they couldnt help me
Product: Credit reporting

All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian app tells me that my 15 percent utilization is HEAVY USE and shows it as a negative against my score. HEAVY USE? And no where does it give an explanation of what does NOT constitute Heavy or acceptable. There is NO guidance whatsoever.
Product: Checking or savings account

The clarity of the bank 's e-mail dated on or about XX/XX/year> to the consumer needs to be improved. Key aspects the consumer needed to understand were unclear ; the e-mail from XXXX XXXX XXXX, Commercial Relationship Officer, of Banco Popular did not clearly explain pertinent financial information concerning the consumer. Similarly the e-mail did not clearly explain the reason for the bank 's decision or request for more documents. Also the e-mail had financial and legal terminology that would be difficult for a layperson to understand. Furthermore, the e-mail did not clearly explain the bank 's intentions for the account ending in XXXX. 

Therefore the financial institutions actions are inconsistent with applicable banking statutes, regulations, or policies. Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating federal consumer financial laws, including by engaging in unfair, deceptive, or abusive acts or practices. The CFPBs investigation will find that Banco Popular violated the Acts prohibition on unfair and deceptive acts and practices.
Product: Credit card

Re : XXXX XXXX XXXX XXXX XXXX  On XX/XX/year> a fraudulent cash advance was made at a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of {$2900.00} on my XXXX XXXX. I did not make nor did I authorize this charge. I can easily prove that I nor my wife were anywhere near XXXX XXXX XXXX on XX/XX/XXXX, let alone take out a cash advance at a XXXX XXXX XXXX. We both work for the XXXX XXXX XXXX XXXX and can provide clock rings and witness statements for that entire week. I have called XXXX XXXX XXXX  and also sent XXXX certified letters with return receipts that they accepted. I have requested all information regarding their investigation. They have not provided any information and still claim that I am responsible for this fraudulent charge. Interest as accruing as I write this email. 
I can prove we were not in XXXX XXXX  XXXX on this date, XXXX apparently has made no attempt at comparing my or my wife 's signatures with that used by the fraudster, and they certainly haven't compared my previous purchasing patterns with this charge. Also the phone number on my credit card contact information was fraudulently changed to a phone number with a XXXX XXXX XXXXXXXX area code. Once again neither me nor my wife have ever even been to XXXX XXXX  XXXX and we do not use XXXX XXXXXXXX XXXX XXXX XXXX refuses to remove the {$2900.00} charge from my account and also the fees that accompany it. 
Thank you for your help in this matter
Product: Mortgage

I have a mortgage with Essex Mortgage ( Data Mortgage ). They are supposed to pay my taxes and insurance using money I pay into an escrow account. They neglected to pay my taxes in XXXX of this year and I received a notice of tax delinquency from the county where my house is located. I called the county as soon as I got the notice and was informed that I was one day from going to collections. I had to pay {$2100.00} out of pocket that day to keep from impacting my credit rating, and now I am fighting Essex Mortgage to get reimbursed. They paid the taxes a week after I did, and now they are claiming that they just got paid back from the county last week. Essex didn't pay my insurance either, so I paid another {$1200.00} out of pocket with an e-check to the insurance company, and Essex still has no answers on when I will be reimbursed for that. They keep asking me for proof of payment, which I sent them twice. I am also still waiting for answers as to why they didn't pay the taxes or the insurance in the first place like they were supposed to. Thank goodness I had enough personal reserves to overcome their screwups! I have been dealing with XXXX XXXX, XXXX # XXXX, Phone # XXXX, or XXXX. His e-mail is XXXX. I am tired of getting run around as if I caused this issue. They screwed up and I'm being questioned by them for everything multiple times. This is insane. I want my money back, I want to know why this happened in the first place, and I want others to know to steer clear of this company. As a sidebar - I was accidently copied on e-mail where XXXX is telling another employee, '' As you can see, the client is starting to get pissy. Any word? '' He thinks I'm XXXX?? Really? I've been dealing with this since XX/XX/2022. I have right to be XXXX  when they created this issue and have been dragging their feet to correct it. Thank you for any help you can offer.
Product: Credit reporting or other personal consumer reports

***Capital one***, and XXXX XXXX XXXX both closed my accounts with them in XXXX of 2024 ( see attached letters to verify ) they both continued to charge my closed account, and fraudulently reported to all three credit bureaus XXXX, XXXX, and XXXX XXXX that my account wasn't closed until XXXX, XXXX  months after the fact ; continuance of the sharing private information, alleged late payments ; which is against federal law to report late payments on an open credit plan. I have letters from both *** '' capital One '' *** and from *** '' XXXX XXXX XXXX  '' *** stating that my account was closed in XXXX, not XXXX, and ***capital One*** even states at the bottom of the letter that they ARE NOT TRYING TO COLLECT A DEBT. I have contacted both XXXXCapital OneXXXX  & XXXX XXXX XXXX showing them proof that they were and are still reporting false claims about me and sharing private information with a XXXX party. ( willfully and knowingly in violation now ) and have not received a single response. *** XXXX XXXX XXXX Although is still sending me bills with additional fees added to it. I want to prosecute both companies for consumer law violations, defamation of character, and privacy rights violations. I've made multiple complaints with the cfpb but nothing has changed, i want these goons off of my credit report, it is effecting my financial stability and growth in commerce
Product: Credit reporting or other personal consumer reports

This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

DISPUTE OF INACCURATE INFO ON CREDIT REPORT Specifically : Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 
Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 
To comply with the FCRA and rectify the inaccuracies on my credit report, l demands the following : A detailed written explanation of the outcome of the reinvestigation, explicitly verifying the disputed information remaining. 
Immediate removal of all inaccurate, incomplete, or unverifiable information from my credit report. The accounts in questions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX ( 1 ) BLOCKED/LOCKED USER ID ( 2 ) XXXX 1. XX/XX/XXXX, to date I attempted to send money via XXXX to the same person/email, to NO AVAIL 2. XX/XX/XXXX, I attempted to send available money to the original same person/email, to NO AVAIL 3. XX/XX/XXXX, Citbank sent via email " We've blocked your Citi Online User ID for your security '' 4. On XX/XX/XXXX, I sent Citi an email 5. XX/XX/XXXX, Citibank sent via email " You have a message in the Secure Message Center '' THE ACCOUNT IS BLOCKED/LOCKED. 
6. I attempted to login XX/XX/XXXX, XXXX USER ID BLOCKED 7.XX/XX/XXXX, I called 5 times to be disconnected 8. XX/XX/XXXX, Login BLOCKED. I phoned Citi - " account specialist '' " supervisor '' - " XXXX '' - " XXXX '' Executive Response Unit ( XXXX ), requesting UNBLOCKING/UNLOCK ACCOUNT, TO NO AVAIL FOR AVAILABLE FUNDS.
Product: Mortgage

I currently have a HELOC with Key Bank that closed roughly 90 days ago. They knew I was refinancing my first mortgage at the same time and closed the HELOC in advance anyway. 

I knew I needed to pay them an additional fee when my the refinance of my first closed to cover the cost of the new subordination, but I was okay with the fee at that time being told that was possible. 

I Key the fee roughly 4-5 weeks ago, and my lender is now ignoring me. Key sent me a letter saying they no longer want to be in the business and want me to either cut my availability or pay off the loan. Seriously ; 90 days later. 

My income is substantial and multiples of my loan. My income has not changed, and my first mortgage is refinancing from a 30 to a 15 with over a 1 % reduction in interest as well. I have a top tier interest rate and spend almost 15 years in XXXX XXXX XXXX XXXX  with a top 2 bank. 

Key 's mortgage position is better, and they have now taken a large amount from me initially for the loan plus another subordination fee. Key won't even call my cell back. They are now impacting my potential to maintain a low-interest rate and causing significant potential hardship. 

I have received 1 email from my loan officer she is basically saying she can't help and it's above her. I responded that I am at a minimum entitled to my fees back ( especially my subordination fee which was declined ), and in 2 weeks nothing back from them. 

This is not an acceptable practice, and I truly believe based on my years of industry experience my lender and Key knew the entire time. They all collected their money, the lender was likely paid a fee and I am the one out.