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

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account and removal of late closed on my record, despite this attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open and remove the late closed accounts entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this late open and remove the late closed account : XXXX XXXX XXXX XXXX Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX  XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit card

Called to dispute transaction. dispute was closed in error called again spoke to supervisor to reopen dispute and was never done.

Called again to reopen dispute today on XX/XX/year> was given new case number of XXXX XXXX minutes after that phone call ended I received a callback. Called back immediately to address why agent had no knowledge of case number said it did not exist and the wasnt reopened again. Also told me the time frame expired and there was nothing that can be done. Request a supervisor and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

My HELOC matures in XXXX 2015 with Bank of America. I have submitted a request for renewal and my wife and I have FICO scores in the XXXX, have {$1000000.00} in an IRA account, and {$100000.00} in our investment account, owe {$19000.00} on my XXXX mortgage, which I am willing to payoff, as well as a car loan which is for my mother 's car in the amount of {$7000.00}. We are both self-employed and the bank has taken our net income as our personal income. They also include our XXXX car leases in the total amount {$930.00} per month as personal debt, although we have expense all lease and other car expenses through our respective business. Based on my payoff of my XXXX mortgage, car loan and proving that the car leases have been deducted through our business income, and meeting the now debt to income ratio, they will not approve the renewal unless I prove that the car leases are for business. My house is appraised for {$800000.00} with the only remaining debt being this HELOC at {$200000.00}. I believe the bank does not understand self-employment borrowers by way of adding business expenses as car leases in their debt formula, but not crediting back the expense on your tax return.
Product: Mortgage

Several disputes have been made with regards to attempting to pay this loan and get it current. Finally, today I was able to speak to XXXX who said that {$19000.00} was due on XXXX XXXX, 2020 in order to reinstate on our loan. She then said she would get a new payoff and we would have to call by XX/XX/2020 to find out the amount and make a payment plan. Rushmore did not mark my credit as disputed and continued to report my account as late. I pulled my credit reports and the balance due is {$7500.00} as of today. On XXXX XXXX, 2020, I sent a certified check in the amount of {$9300.00}. That was returned to me on XXXX XXXX, 2020. How can my balance go from {$7500.00} to {$19000.00}? They are attempting to extort additional money from me and take my home from me.
Product: Credit card or prepaid card

Hi - We have opened and maintained with Citibank 's checking, saving, and credit card accounts for more than 10 years. Suddenly, the Bank closed our checking and saving accounts in XX/XX/2018. We've tried to contact Citibank so many times to find out the reasons why they closed our accounts. After multiple phone calls, we've exhausted our options to obtain the answer from the bank. So we kind of giving up our request. 

In XX/XX/2018, Citibank also closed our credit cards accounts. We again tried to contact Citibank so many times to find out the reason why the bank also closed our credit card accounts and the bank would not give us any answers. At this point we were so exhausted and stressed with the situations. At that time we have earned so much points for a cash rebate of approximately {$1500.00} for 2018 purchases and we asked about our cash rebate. We were told by Citibank that we will not receive the cash rebate. 

We are struggling with the bank two main issues : 1 ) trouble to obtain an answer from Citibank why they close all of our accounts 2 ) why they are not sending us our cash rebate check of approximately XXXX XXXX. 

We feel that we are being robbed by Citibank because we've earned so much cash rebates from the promotions they offered us 1 %, 2 %, and 3 %. 

Please help us how to approach to Citibank to get an answer and to receive a cash rebate check from them. They are a big corporation and they know the system so well how to get around us. 

Our contact number is XXXX ( mobile ). 

Thank you, XXXX & XXXX XXXX
Product: Mortgage

On XX/XX/2021 My XXXX XXXX  Checking Account showed a ACH deduction from Mr. Cooper, my XXXX XXXX XXXX. The amount was my normal Mortgage payment of {$1200.00}. I already paid my XXXX Mortgage payment on XX/XX/2021. I am not behind on my payments. I also do not have automatic payments set up with Mr. Cooper. I pay every month with Mr. Coopers  online service. My payment dates range from the first of the month till the XXXX or XXXX of the month. I have never had a automatic withdrawal and if I did I would not have 2 Mortgage payments being deducted with the same month. My next Mortgage payment is due XX/XX/2021 with a grace period until XX/XX/2021. Mr. Cooper released a statement that thousands of not more customers had their accounts withdrawn without prior authorization by Mr. Cooper over the weekend. They also stated in their press release all cases were resolved by the end of business on XX/XX/2021. My account is still showing the {$1200.00} as a deduction and I had to file a complaint to dispute this amount with XXXX XXXX. This dispute can take 10 days or longer. In the meantime I am not short {$1200.00} that is to be used for other bills and necessities. I believe the actions of Mr. Cooper fall under the UDAAP law and I would like to know what can be done to rectify this error by Mr. Cooper. Thank you for your time.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Mortgage

I'm working through Chase Bank to refinance my house through them. I received a loan estimate for 30 years at a rate of 2.125 % from them. When I spoke to their loan officer the offer was 3.125 % and not what they send me in writing. I spoke to his manager and he couldn't help and called it a technical error. I call it a bait and switch tactic that shouldn't be used on potential customers. They sent me a lower rate and then said this was never available. When I tried to meet them in the middle they didn't try to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off a loan to XXXX personal loans for over XXXX. It has not been reflected in my credit reports. I called TransUnion and complained. I have called XXXX and they have now sent the info to the credit companies on three separate occasions. While trying to secure a mortgage on a house this is noteworthy because it appears I have more encumbrances than I do. It warrants a legal dispute at this point.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. XXXX, XXXX # XXXX, Account Name : XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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: Credit reporting, credit repair services, or other personal consumer reports

I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Product: Student loan

I originally borrowed about XXXX for XXXX and XXXX school.Over the years I never really made enough money to pay them back. I was told that my deferment time was all used up and they said to put it into forbearance. Not sure if it was true about my deferment being used up. So now my amount is up to XXXX. The loans were taken out early to mid XXXX for XXXX probably through XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX/Navient. I always thought forbearance both ran out at some point as well. This is still my understanding. I truly feel that they were n't looking out for my best interest. I 'm XXXX now and I do n't see how I can pay them back. I 'm only making XXXX now despite my best efforts to get a better paying job. Right now I 'm under an IBDR plan and paying nothing based on my current salary. I believe if they had worked with me with my best interest in mind somewhere along the way we may have been able to work something out. But now with limited income and high student loan debt, I 'm turning to you. Ive requested copues from Navient and they have never sent anything despite saying they would regarding copies of the original paperwork. Please help.
Product: Debt collection

I received numerous of emails from my unknown source with my information in the email stating that I should pay. They did leave a one 800 number but when called they asked if I want to set up a payment arrangement on the account I wasnt getting anything in the mail And everything was coming through email. From financial recovery service and the original creditor was XXXX XXXX XXXX was contacted on on XX/XX/2025 on more information about the current creditor. There was no real proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

IM A VICTIM OF IDENTITY THEFT UNDER THE FCRA YOU MOST REMOVE THE FRAUDULENT INFORMATION
Product: Credit card

I applied for an Apple Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Credit card

For card XXXX XXXX XXXX XXXX A fraudulent charge of XXXX was made on XXXX at merchant XXXX XXXX XXXX XXXX XXXX. I received a fraud alert from CITI and contacted them, informing them that I did not make that purchase and that I only use that card for recurring subscriptions ( XXXX and XXXX XXXX ). Then, on XXXX, I receive a notice from CITI saying the dispute was not resolved in my favor because I didn't provide sufficient information and that I need to make a payment in 2 days. 

Ridiculous. 

Since I didn't make the purchase, what other information do they expect? I am willing to swear in any court that I did not make that purchase. 

What recourse do I have to fight this? 

Thank you for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX XXXX XXXX   ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX  ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Thursday XX/XX/year> I was supposed to get my payroll check direct deposited. I checked the mobile app all day and no post or information. I tried calling them and no response. Friday morning I received an email and there was a message stating that theyre working on it. I called and the same response. This morning I received an email from capital one stating that a payment check did not clear made to my landlord from capital one. The audacity of capital one sending me a notification of an unclear payment when they are the ones not releasing my payroll funds from my employer.
Product: Mortgage

I have attempted to contact Mr. Cooper regarding the foreclosure on my property and have not have any success in obtaining assistance. I have informed them that I have the funds to reinstate the loan and they are not allowing me the time to do so. No one from Mr. Cooper has ever reached out to me to offer any assistance, to inform me of my late payments and to provide alternatives to foreclosure. I am now facing a foreclosure sale for tomorrow XX/XX/2018 and Mr. Cooper is refusing to do anything to help.
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 federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX : # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 vears. 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.
Product: Payday loan, title loan, or personal loan

I would like to file a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The complaint is in reference to XXXX failure to credit payment to my account in a timely manner as the delay may result in additional finance or other unnecessary fees. 

On XX/XX/2021, I received an installment loan in the amount of {$2000.00} from XXXX. The terms of the loan agreement require repayment bi-weekly by payroll allotment in the amount of {$89.00} with payments beginning on XX/XX/2021. 

XXXX XXXX XXXX received the first payment on XX/XX/2021 as shown in the payment history ( Attachment XXXX ). Payment was received before the due date because my employer provided the allotment early due to the XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was not showing in my account payment history. I was advised that my payment had been received, but likely had not posted yet due to the holiday ( Attachment 2 ). 

On the same day of XX/XX/XXXX after receiving confirmation of receipt of my payment, I received an email from XXXX XXXX, Retention Manager at XXXX that my XX/XX/2021 payment had not been received ; and furthermore, that OneBlincs grace period for credit report is ending and that I should make a payment to prevent any interruption in OneBlinc perks and/or fees. ( Attachment 3 ). 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was still not showing in my account payment history and also the email I received from XXXX XXXX XXXX I was informed that the payment had not posted and the email received regarding the missed payment was likely sent to me prematurely. ( Attachment 4 ). As of XX/XX/2021, XXXX has not provided an explanation why my payment has yet to be posted or updated my account information to reflect the XX/XX/2021 payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( Balance {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.