23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection Circulars are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} billion or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection Circulars are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection Circulars are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection Circulars are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion.

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Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : Account number : XXXX
Product: Credit reporting or other personal consumer reports

District Court for Northern District of Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report. I have been stressing to Trans Union that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraud Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Balance : {$26000.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Trans Union continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.
Product: Prepaid card

Purchased XXXX Vanilla Visa gift cards. The cards decline instore not matter what the item price {$5.00}, {$50.00} {$200.00}, etc. Was given the option for a refund check. I received 1 refund check and 1 replacement card. I'm missing a refund check for XXXX card and XXXX replacement card. 

I've been giving the run around from the start. 1st time I called in they said I didn't need to submit anything just wait 10 days. I wait 20 days no checks have came, so I call they say I didn't submit the documents. I submit the documents, ask them is this all I need they say yes, I confirm they received the documents. 5 days past I call again to check the status, they say I need to submit more documents I've already sent over a month ago plus more. 

At this point I feel I'm being scammed and they have no intention of refunding me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : XXXX. I've called XXXX several times and spoken with agents. 
XXXX. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main Comenity Bank in XXXX, to seek resolution. Customer Service told me in late XXXX, that the only method was to write the bank itself in Ohio. 
XXXX. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
XXXX. I filed a dispute with XXXX XXXX in mid XXXX and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX XXXX # XXXX )
Product: Debt collection

CCS Collections is the name of the company with the debt. the debt was originally opened in XXXX. It was just placed on my credit report as a new debt on XXXX XXXX. I have been trying to contact the company since XX/XX/XXXX and have yet been able to get in contact with the company. I have stayed on hold for over an hour at a time and never spoken to anyone. I have disputed the information on all the credit bureaus and still no response. I haven't received an explanation of what this debt is for and not sure why it is just now being placed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. ( XXXX  XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Global credit union notified me of possible fraudulent activity on my account on XX/XX/24 via email and phone call. I answered the phone call and told them I did not make the transactions in question and it sent me to a representative. When speaking with the representative it was after hours but we went through multiple pending transactions that all took place in XXXX XXXX, CA on XX/XX/24. All of which were fraudulent, he said he was going to flag them as fraud and hopefully since they were still pending they would not go through He then stated I should call back in the morning to make sure the fraud department opens a case. I called back the fraud department the next day while running errands and they opened a case regarding roughly 15 transactions. One of the questions the person asked me was if I had my card still on me, I told her yes it was as home ( I don't carry my card on me since this isn't my main account ), during the call I returned home and went to grab the card and realized the card was not where I thought it was and that the card was in fact either lost or stolen. The lady stated they would investigate the transactions and it would take 7-10 days. I got a letter in the mail stating the fraud claim was denied and I could get a copy of the investigation. I called Global to request a copy of the investigation and they stated they did not investigate the transactions because I stated in the call i authorized the transactions. after clarifying with the lady on the phone Global decided not to investigate and to deny the fraud case because I didn't realize my card was missing. Some transactions are no longer on my account but the following fraud transactions are still on my account : XX/XX/XXXX XXXX {$100.00} XX/XX/24 XXXX XXXX XXXX XXXX {$100.00} XX/XX/24 XXXX, XXXX XXXX {$2.00} XX/XX/2XX/XX/XXXX XXXX {$3.00} XX/XX/24 XX/XX/XXXXXXXX XXXX {$210.00} XX/XX/24 XXXX, XXXX XXXX {$32.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$32.00} XX/XX/XX/XX/XXXX XXXX {$210.00} XX/XX/24 XXXXXX/XX/XXXXXXXX, XXXX XXXX {$10.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$13.00} XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX {$8.00} XX/XX/24 XXXX in XXXX XXXX, XXXX XXXX {$5.00} XX/XX/24 XXXX XXXX, XXXX XXXX {$5.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Three Fraud accounts and Inquiries appearing on credit report.
Product: Mortgage

I entered into a modification agreement with Nationstar Mortgage initially for three   months. I agreed to pay $ XXXX  monthly for the three months and was told that if the modification needed to be extended I just needed to contact them to discuss. I made my payments as agreed and timely, however, when going online to make the third payment I received a message that my mortgage was paid in full.

I then received notification that my home was being foreclosed and sold from underneath me.

I am still fighting this in court and have a hearing XXXX XXXX 2018 objecting to the sale of the home.
Product: Credit card or prepaid card

I disputed a charge in XX/XX/23 because an item I purchased had been returned and not properly refunded ( {$10.00} of {$210.00} ). 

XX/XX/XXXX  I received a letter saying they were rejecting the dispute unless I provided more information, I sent them a detailed signed statement as requested, the purchase receipt and the invoice showing them the item had been returned. 

Within an hour, I received an automated letter saying I failed to provide any evidence and my case was closed.
Product: Debt collection

Amsher ( a collection company ) reported a debt in collection to XXXX  XX/XX/XXXX. 
The reference was to a XXXX account. {$2500.00}. 
I saw this on my XXXX  report XX/XX/XXXX. Disputed with XXXX. Report number XXXX I have never once had a XXXX XXXX account. 
I called XXXX XX/XX/XXXX they have no account in my name now or in the past. 
I called Amsher who requested my social security. I am concerned its fraud so will not share that with them. 
I filed a report with the XXXX  as well. 
On XXXX reviews this company Amsher repeatedly does this to people. 
I am a XXXX XXXX and this is an outrage they continue to mess with people who have no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never been late on my credit report ever. Experian, XXXX, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also XXXX, Experian, and XXXX  is reporting 2 closed accounts that listed as XXXX XXXX  XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Product: Mortgage

In XX/XX/XXXX, my XXXX and I opened a home equity line of credit with Bank of America. For the first XXXX years of the loan, the payments were interest only, which were paid 100 % on time. In XX/XX/XXXX, before the loan would transition to including principle payments, I contacted Bank of America and spoke with a woman named XXXX XXXX regarding extending the interest-only time period for a few more months while I sold the property and could pay off the entirety of the loan once it was complete. She assured me this arrangement was satisfactory and approved, and in the same phone call I made the following XXXX months payments. 

Despite this arrangement, I began receiving phone calls from Bank of America informing me that my payments were past due. I informed each caller of the arrangement Id made, yet they continued. No one I spoke to would confirm the arrangement Id made nor put me back in touch with XXXX XXXX to straighten this whole thing out. 

In XXXX and then again in XXXX I sent letters directly to XXXX XXXX, XXXX at Bank of America. I asked him to see the error was rectified and explained that the oversight on behalf of his company would cost me in the millions. I have not received any response. I disputed the incorrect history on the various credit bureaus, and they have remained unchanged at Bank of Americas instruction. 

Suffice it to say this has been a very frustrating situation and I would like it rectified immediately. I am very disappointed in having fallen prey to Bank of Americas less-than-stellar business practices that have led to multiple class actions suits against them. I have included the letters sent to XXXX XXXX, as well as the proof of delivery from XXXX.
Product: Vehicle loan or lease

On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you
Product: Mortgage

Complaint MR. Cooper Mortgage XXXX for XXXX XXXX Refusing and denying to work towards foreclosure avoidance Payments made and went to unapplied funds and keep them there for months which caused the interest adding up on current due statement. If payment would have applied in the time receive the extra interest caused the balance to go up benefiting them. 

This Home Loan was sub prime from day one starting back in XX/XX/XXXX. We rented the house for two years and was offered by the owners to buy. We bought it through XXXX XXXX XXXX XXXX In One broker for mortgages companies to finance loans to sub prime home buyers who not other qualified for conventual home loans and unable to put any down payments. Thus created the housing bubble starting in XXXX and still today some of us homeowners have not gotten a resolution for the fallout of this. This is whole new complaint latter just wanted give an outline were this is headed. 

Starting in XX/XX/XXXX, problems came up and missed the XXXX payment. We continued to have major emergency problems that affected us making timely payments to this point. During this period, we were in continue contact with Mr. Cooper to work out solutions and payment arrangements. Having made payments towards back mortgage payments. Mr. Cooper put some of the payments I an unapplied fund and stayed there for months, thus causing higher interest cost applied on the principal and inflating the months behind on payments. We first requested forbearance in XX/XX/XXXX, Then asked for the 3 month extension in XX/XX/XXXX as allowed by U.S. Gov for XXXX XXXX backed mortgage. Before this starting in maybe in XX/XX/XXXX, we asked about repayment options. Mr. Copper stated that we used the 18 months of covid forbearance, deafferent payment, loan modification and refinancing were not an option. 

Back in XXXX The Courts order XXXX  XXXX XXXX which also served loans for XXXX XXXX at that time to correct and modify any loans that were under fraud protection act at that time frame. Both XXXX XXXX and Mr. Cooper Claim we used the allowable modifications. The First was not requested by us thus not be in the included allowable modification as it was court order and by the way took them six months comply.
Product: Debt collection

I have contact the credit viewers and contact the creditors to take off these major accounts and they agreed to pay a settlement on the each account and they still reported on my credit report and that's illegal against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.