23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank dental finance. Is refusing to put current on my credit report. After I made payments to get it current. They had always updated my credit report current when I would make my account current but they haven't updated anything in the past 3 months. This isn't fair to me when I'm making my payments on time and keeping them current. They're not doing their job in updating my current status and reporting the payments that I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to complain about Transunion and their violaton of my rights. I recently discovered that i may be a victim of ID theft. I entered a dispute with Transunion in XXXX regarding an account from XXXX XXXX. Transunion came back with Verified and Accurate about XXXX days after i initiated the dispute. I called the creditor ( XXXX XXXX ) and spoke to the fraud department requesting the documents they sent to Transunion to prove the account was accurate. XXXX XXXX told me that they havent even opened an investigation yet. Actually, my call has prompted them to open one. I then called Transunion and asked them to please send me the documents that is proving this account is accurate, they said they didn't have them. I was baffled! how did they prove the account as verifed and accurate if the creditor didn't investigate and Transunion has no documents to send me either. I'm frustrated and feel that Transunion are going out of their way to make this navigation as difficult as possible for me. I then placed a fraud alert on my account, and transunion recently send me a post card, unsealed with all my personal information and actions regarding my credit profile. This is an extreme violation of my rights as a consumer and victim.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Bank of America stated I was not qualified because of my debt to income. However, they did not take into account the new payment which went from {$270.00} to over {$1000.00} per month. Further, they did not take into account rentals that are no longer occupied. Only XXXX representative has contacted me during the last XXXX complaints I have filed. A representative called me on XX/XX/XXXX to simply state that I did not qualify. I asked for other solutions to which she had none. All their information was based on documentation I have had throughout the last year. Much has changed, no one will assist. They have a recording that states " We are here to help '' They have not. They will not. I will go public with these complaints and send copies to my congressmen. I also would like to know if there is a fear of backlash that is preventing the CFPB from going ofter such big banks as Bank of America.
Product: Credit reporting or other personal consumer reports

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, XXXX and any other furnishes of my personal credit.
Product: Credit card or prepaid card

Made a car rental reservation [ Rental Agreement # XXXX, XX/XX/XXXX pick up in XXXX, XXXX ] directly with XXXX at the XXXX website ( i.e. NOT a 3rd party website ). Contract showed price of XXXX euros. At time of pick-up, I noted the charges detailed on my rental agreement were incorrect and I questioned it, and was told, " that is just a hold on your credit card in case you don't return the car on-time, full fuel tank, or other misc. charges. It will " wash out '' when you return the car ''. 

When I returned the car, the check-in statement showed XXXX euros -- an overcharge of XXXX euros. I've provided detailed info several times to Citibank. They've provided several responses from XXXX -- none of which makes sense. I can not identify all of the XXXX euro overcharge, but the main item is XXXX euros for " liability insurance ''. My XXXX rental profile clearly states that I decline any XXXX insurance, including liability [ my credit card provides this coverage at no cost ]. Even more confusing, a document provided BY XXXX to CITIBANK and forwarded to me today is a document that I signed at the time of rental stating : " Acknowledgement of Liability : I have decided NOT to purchase Collision Damage Waiver, Theft Protection or Damage Excess Reduction. I am aware that I am liable for ALL damage to the rental vehicle. I acknowledge that XXXX offered me cover but I have declined ''. Next to both of these statements is a " block '' where I had to place my initials. 

Another block further states : " My liability is for the FULL Value of the vehicle and related costs. '' This section required that I sign my full signature. 

So, XXXX themselves have provided information that proves I declined this add-on cost. It seems that Citibank simply forwarded the documents to me XXXX from XXXX XXXX without even bothering to read them. 

Regardless, how can any company think they can legitimately DOUBLE the cost of a reservation/contract with a customer with unsupported charges!??! 

A further irritation with Citibank is that they provide 4-6 weeks for the company XXXX XXXX XXXX to respond, but allowed me only 10 days to rebut. The most recent letter, although dated XXXX was not received until XX/XX/XXXX, and requires my reply by XX/XX/XXXX. U S Postal Service from XXXX XXXX SD to XXXX GA is 3 days ]
Product: Checking or savings account

XX/XX/XXXX I called Chase on the above date, as I received a letter in the mail saying an account ( unknown type listed on the letter ) was denied due to unspecific credit reasons. 

I did not open any account with Chase at all. 

While being connected to the fraud department, I was put on hold then disconnected, and unable to get reconnected to them as the fraud department was now closed. 

When I called general costumer service again on this date, I was unable to get any information or assistance other than I had some sort of account being handled by the collections department. I could not be helped or be given any more information at all, and was told to call back on Monday. 

At this point I filed a complaint with a manager, and was given a complaint ID #. 

This whole process above took about two hours. 

XX/XX/XXXX I followed up with Chase on the immediate above date. 

After 45 minutes on the phone, I was told that the collections account was one I had closed in XXXX. It did not have any balance, and was not in active collections. 

After talking with multiple agents, I was guaranteed by three of them that no accounts had been opened in my name. ( The date listed on the letter was XX/XX/XXXX ) They had checked both the commercial and residential ends of Chase, I was told. 

A manager had said the only Chase activity I had was the closed account from XXXX, in addition to no active or open applications / activity within the last 60 days. 

At this pint I filed an additional complaint with Chase, and received a second ID #, that was integrated into my previous complaint. 

When I got home from work on XX/XX/XXXX, about seven hours after my initial call, I had received a letter in the mail about the new debit card for my Chase checking account. This checking account had my full name, and one of my old addresses ( that I no longer live at ) I did not open this account, it was fraudulent. 

I immediately called Chase again and provided the 16 digit number on the card, and repeatedly identified the account as fraudulent, and opened without my knowledge. 

I spent almost three hours on the phone, was not helped at all, and was transferred to a half dozen different agents. None of them were the right department, and were therefore unable to help me. I was disconnected and had to call back multiple times. I repeatedly explained my dissatisfaction, the urgency of the issue ( my wife and I are closing on a house refinancing on the XXXX ), and that I would be filing this complaint. 

I was told I would be connected to the proper department within 8 minutes. 

I was put on hold and disconnected again after 30 minutes.

The account is still active, and after two days of calls, and almost six hours on the phone, absolutely no progress has been made. 

I am really concerned, unhappy, and worried about my security and financial future. I would appreciate any assistance you could give me. 

Thank you.
Product: Credit card or prepaid card

I used my Marriott Bonvoy credit card to purchase a flight on XXXX airlines. The XXXX flight was canceled ( due to Covid ), and I requested a refund to go back on my card. I waited over two months and received no refund. In this time I was unable to contact the company or speak to a live person at XXXX. I then disputed the charge on my credit card. The first answer from the credit card was that the charge was valid because the merchant said I was a " no-show for the flight ''. I provided proof of cancellation and the credit card company said I could not get a refund and rebilled my account. The reason was, " that the airline was refusing to give a refund '' and that the dispute had " gone on too long ''. This is clearly a case of services not rendered. The flight was canceled and that is something that can be easily verified. I expect a credit card company to back up the consumer when cases like this arise. This clearly did not happen. They offered me a {$100.00} refund from Marriott Bonvoy and directed me to their executive offices if I wanted to dispute it further. I was told I could send them a letter in the mail, or send them a fax. No contact name or email address or phone number was provided. I find the handling of this situation by Marriott Bonvoy completely unacceptable.
Product: Student loan

When my accounts originally went to Mohelia I had filled out a consolidation and was to pay {$37.00} prior the pandemic Then since the payments were to restart I originally got a bill stating that my monthly payment would be Almost {$300.00} then when I check the account its says my Monthly payment is {$0.00}. I have been unable to speak to anyone to get this figured it out I have applied for the XXXX XXXX recently and not sure if I have been approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian dated XX/XX/22 and as of XX/XX/22 they have not responded.
Product: Mortgage

We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. 

No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. 
This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : XXXX reports the account status as Not more than three payments past due, XXXX as 60 days past due, and Experian as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. 2. Conflicting Worst Delinquency : XXXX lists the worst delinquency as 30 days past due, XXXX as 60 days past due, and Experian shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. XXXX. Erratic Last Activity Dates : The last activity date varies significantly, with XXXX listing it as XX/XX/year>, XXXX as XX/XX/year>, and no date reported for Experian. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with XXXX showing 30-day lates in XX/XX/year>, XXXX showing a 60-day late for XX/XX/year>, and Experian showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXXXXXX XXXX XXXX FL on XX/XX/XXXX under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and a fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account and hard inquiries are the result of identity theft and fraud. I also put a fraud alert as well as contacted the police department but was told they only handle cases that deals with wallet theft.
Product: Debt collection

I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX In my disputes I have requested that they investigate the account because I do not believe that this account is mine services were possibly illegally used by someone else. I.C. Systems is erroneously reporting that I owe {$720.00}. The last date in which I disputed this account was XX/XX/2020. This company refuses to do proper investigations and has completely ignored request for proof and investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account XXXX : XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

After carefully reviewing my recent credit report, I found multiple accounts that I believe are inaccurate and were added without my consent.
Product: Checking or savings account

It all began when my debit card with PayPal declined for {$6.00} when I knew I should of have around {$700.00} in my account. About the same hour I'm getting notifications on XX/XX/XXXX that an address was added to my PayPal, a debit card I didn't recognize, and then a email address. Then they were all removed which I took screenshots bc I thought it was unbelievable bc I keep two factor authentication turned on all of my accounts so PayPal couldn't deny what was happening to my account and money. Here is a list of what fraud went on. The date, merchant, and amount ; {$34.00} rockwallet ( XXXX transactions ), XXXXXXXX XXXX XXXX ( XXXX ) merchant not stated, XXXX apleclothing.com, XXXX transfer out to unknown person name XXXX, error of XXXX transferred to unknown card. Currently they have credited my account back for the reported transactions however I can not touch my money for 180 days and it states permanently I can not ever have PayPal services again. I called and asked why I'm being punished by reporting fraud. They couldn't give me an answer and sent me a link to their terms and conditions. I submitted all of the proof I had showing someone got access to my account. It didn't matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  we are struggling to eat, he didn't get a gift or nothing from me. That's where all my deposits go to and I have no access to any other account or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I asked equifax why they have listed credit derogatories from 2014 and also why paid off items are still listed in a derogatory way. they did not help whatsoever and I am paying the price for it.
Product: Money transfer, virtual currency, or money service

Approx XX/XX/2023 I received notification of {$2000.00} transfer to my CashApp account. 
Using the app I tapped the prompt to retrieve funds. A message said they had already been claimed. 

I contacted the support who authenticated me then said I wasn't eligible to continue for security reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ban of America is reporting I failed to pay my mortgage. I provided the copies of my bank statement as proof. The payments were made to XXXX ( XX/XX/XXXX and XX/XX/XXXX for {$370.00} ), who held the mortgage with us. they still refuse to fix the error.