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

Account Name XXXX XXXX XXXX Account Number:XXXX FTC Identity Theft Report : XXXX This CFPB complaint has been filed to pursuant to 15 USC 1666b- Timing Of Payments. Experian XXXX XXXX are reporting inaccurate information under the FCRA. 

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Update Payment History - PAID AS AGREED-
Product: Mortgage

Per your letter of XXXX XXXX XXXXXX/XX/year>, You failed to address XXXX MAJOR items. Please respond to each question # 1 Where did the UNDER CONTRACT come from, as stated I know what under contract means. You say that I said it and you have it on a recording many times that I said it BUT you can not or will not produce any recorded conversation # 2 Why did you insist the I produce three years of guarantee home payments, Ins, HOA, taxes, that I provided in XXXX. 

# 3 You say Pulte Mortgages review determined that your loan application was handled appropriately and in accordance with your policies and procedures. So you say that 36 HOURS before closing you required {$110000.00} to close, is that appropriately and in accordance with your policies and procedures????????, please respond and refund me the {$18000.00} it cost me and all the disappointment we did not get our dream home. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent you a request on XX/XX/year> for a copy of the voice recording STATING that I said our house IS under CO ) NTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX  XXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to XXXX XXXX, XXXX, Experian as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges XXXX XXXX, XXXX, and Experian have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 

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

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Product: Debt collection

In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.
Product: Debt collection

I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXXXXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXXXXXX XXXXOPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON TRANSUNION. THIS ACCOUNT DELETED OFF TRANSUNION, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Product: Money transfer, virtual currency, or money service

I was trying to send {$300.00} dollars to my husband through XXXX on Citizens mobile banking app. In the past I had no problems with it. But this time transaction failed. It asked to try again later. Which I did XXXX more times. I received XXXX emails saying that transaction failed. To my surprised I later saw that XXXX dollars were withdrawn from my account. My husband never received the money. When I called bank to ask what happened they initially said that money will be back tonight. It all happened on XXXX. So I called them back on XX/XX/year> and they said that money will be back on XXXX. Today is XXXX XXXX  and money are still not in my or my husbands accounts. Meanwhile I had other payment to come out. And since I didn't have free XXXX dollars sitting around, the account got overdrawn. And today on XXXX I got a fee for overdrawn account. And all I hear on the phone it will be there tomorrow. But I also have automatic payments set up, which should charge my account for bills I owe, and with account being overdrawn already, most likely these charges will be denied and I will also get a fee for failed transaction from other institutions like XXXX, and XXXX. And Citizens is not going to cover those fees even though it is their fault. But most importantly I have a doubt now that the money will be ever returned. This bank is the worse. I am also not able to set up payments under my account, I have to use my husband 's login, but this is whole other story for a different complain.
Product: Prepaid card

My brother passed away, and there is a balance on his card of {$210.00}. I am his court appointed legal representative. I contacted Netspend beginning on XX/XX/2024, to inquire about getting the remaining balance. I sent the requested documents and received confirmation. I was told it would take 14 days to process. I have waited and continued to contact them thru e-mail and on the phone several times. I resent the documents on XXXX XXXX and I still do not get any response. Meanwhile they continue to take a {$9.00} service charge every month
Product: Mortgage

I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for XXXX XXXX to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my Experian and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
Product: Mortgage

Flag star bought our mortgage in Fall 2020 and we immediately called them to make sure they had all necessary information for payments, escrow, insurance, taxes, etc. There has been a consistent pattern of Flagstar employees not documenting our calls or the information we give them regarding our loan ( property insurance info, our own contact info, etc. ) and making false claims about contacting us and leaving messages when they have not done so. They are now threatening to purchase their own property insurance for us because they refuse to document the the property insurance we already have with information I have supplied them on multiple occasions which they refuse to document.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.
Product: Mortgage

My mortgage refinance was turned down due to insufficient documentation. I was told by three different loan officers that the underwriters continue to need more information on my retirement accounts that were in no way connected to my mortgage refinance. I was told the only reason for wanting my annuity information was so that it showed I had at least two months of reserve funding for mortgage payments in case I ran into financial difficulties, but that my annuity is not collateral and not connected to my mortgage refinance. I sent them a current annuity statement and withdrawal statement. This was still not enough as the underwriters wanted an even more detailed withdrawal accounting and even asking to speak with my broker.
Product: Checking or savings account

After completing all the requirements for the {$400.00} promo below, Valley decided to close my account, presumably to have to not pay out the promo bonus. They say the reason is due to information from XXXX, but they had that information when they allowed me to open my account. I met the terms for the bonus, and I am owed {$400.00}. 

" Valley National Bank is offering a sign up bonus of {$400.00} when you open a new Valley All Access Checking+ and completing the following requirements : Receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. ''
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding several overdraft, fees. When having sufficient funds when transactions were authorized I was charged fees due to lagged posting and charges and credits. This issue a lines with recent CFPD findings against Navy Federal for similar practices where transactions settle with insufficient balances despite initial available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I came across an inquiry from your company that I did not authorize. These are harming my credit score, and Im extremely upset about this.
Product: Credit card or prepaid card

TRIP ID - XXXX On XXXX XXXX XXXX we booked a stay at XXXX XXXX using our Chase Sapphire rewards points. Unfortunately, when we arrived, they did not have a record of our reservation. Despite their error, they still charged us over {$1000.00}. This left us in a distressing situation where we were forced to find alternative accommodations at the last minute. Consequently, we had to book a room at a XXXX for an additional {$650.00}. 

Since this unfortunate incident, we have spent over 27 hours on the phone with your customer service team. We were repeatedly assured that our out-of-pocket costs ( {$1000.00} to XXXX XXXX and {$650.00} to XXXX ), along with the rewards points spent on the original booking, would be refunded. However, it has been over a month, and we have not seen any of these promises materialize. The money was taken from our account with the most recent required payment on XX/XX/XXXX. 

The consequences of this issue are far-reaching, extending beyond financial implications to significant stress and inconvenience. As such, I am submitting a formal request to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

I have contacted Chase Travel Services numerous times to try and resolve this matter Dates contacted : XX/XX/XXXX XX/XX/XXXX XXXX Case # XXXX XX/XX/XXXX XXXX -connected with XXXX confirmed dispute XX/XX/XXXX XXXX from XXXX XXXX - chase handling dispute XX/XX/XXXX VOICEMAIL from XXXX saying refund request complete- connected with accounting XX/XX/XXXX Called to check in on refind- assured XXXX points - {$910.00} approved back waiting on the {$650.00} from XXXX promised $ in account within XXXX business days XX/XX/XXXX Spoke with XXXX + XXXX. 

It is deeply disheartening to be placed in this position despite being a loyal customer. 

Your assistance and guidance in this matter are greatly appreciated. I trust that with your involvement, we can achieve a swift and just resolution. 

Thank you for your attention to this serious matter. 

XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible. 


account name ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX