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

Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}. 

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

Mohela refuses to answer calls and provide assistance. They keep you on hold for over XXXX hours forcing customers to give up and hang up. They pretend to call back by sending emails claiming to have called but they never follow up as requested. They do not provide any assistance or answers. They also claimed to have misplaced {$5000.00} until I reported them to the ombudsman office. They are mishandling the loans of millions of Americans while leaving us hanging and in the dark.
Product: Mortgage

While under contract to Sell a home, the Buyer 's lender repeated lied to me about the Buyer 's ( who is also a licensed Real Estate Agent ) ability to obtain a loan on the home. 
I am the listing agent. This lie cost many months of aggravation, thousands of dollars, hours of work to me, the Sellers and the Sellers of the replacement homes involved. 
The Sellers had every intention of filing a complaint ... but decided they did n't want to add to their stress and aggravation. That is why I am filing instead. Both Loan Broker and his managers have admitted that he purposefully deceived me at the direction of the Buyer/Agent. I was told the Buyers were " clear to close '' with the exception of their contingency to sell their current home. In the end, I found out they had been denied the loan by the in-house lender, then denied the loan by an outside investor. Just days before the final 'closing ' date, I was told everything was good to go and that they were just waiting on final numbers ... it turns out the lender was submitting the loan package to a third investor. They were ultimately denied that loan as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account
Product: Credit card or prepaid card

I applied for a personal American Express green card that I got approved for. This credit card came with a bonus of XXXX membership rewards points after spending {$1000.00} within three months. I met the spending requirement within the appropriate time frame on this credit card. I never got the rewards bonus that I am entitled to. As you can see in the screenshot on XX/XX/XXXX a representative from American Express stated that I should have received the points by now. I called back again later and I was told to wait till 8-10 weeks had past from when I first met the bonus terms to get the bonus. I then waited till today ( XX/XX/XXXX ) and I still did not get the bonus. I called American Express today ( XX/XX/XXXX ) and spoke to the supervisor of American Express. She informed me that I was unable to receive the bonus because in the past I applied for an American Express personal green card and got approved and received a bonus and I am only able to obtain one bonus per lifetime on that card. What she stated was false. In the past I applied for an American Express BUSINESS green card ( not personal ) and was approved and obtained the bonus. The personal and business American Express green cards are two different credit cards. American Express is stating a false narrative and not giving me the bonus that I am owed even though the other card I applied and got a bonus for was a completely different credit card.
Product: Mortgage

Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.
Product: Student loan

I noticed a XXXX dollar balance increase while i was on the save program, they offered no explanation as to why this happened. I was sent a letter in the mail stating the balance increase was valid. 

The same thing has happened to many others. None of us have been able to get any answers. 

I was actually able to get a supervisor on the phone about it ( she was very nice ). Even she was unable to tell me when my balance increased and even she was like yeah this is weird. 

This is happening to alot of people. 

This is one step we are all completeing. 

No one is helping us.
Product: Debt collection

I am currently writing XXXX reference to my Experian XXXX and XXXX credit reporting agencies along with the companies that are fraudulently and inaccurately reporting to these Companies! After careful review of all reports and I formation on my reports I am filing this report and a FTC REPORT AS WELL! 

I Ive reached out to each company I have listed and tried to get any information to verify these are my accounts or associated with me properly and they could not provide! 

The accounts that XXXX concerned with and have been fraudulently opened and or reported and are not MINE OR ANY KNOWLEDGE OF ARE AS FOLLOWS Experian CLOSED ACCOUNTS XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX CLOSED ACCOUNT CHARGED OFF {$810.00} UPDATE XX/XX/XXXX! 
Balance XXXX UPDATED XX/XX/XXXX ( which is illegal To monthly access and report inaccurate and fraudulent information on my report with I ok t my XXXX ) THIS ACCOUNT WAS OPENED FRAUDULENTLY AND BOT BY ME! I want it removed immediately as it is illegal and adversely affecting my credit report! 

ACCOUNT 2 XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX XXXX CLOSED XXXX WRITTEN OFF STATUS UPDATED XX/XX/XXXX BALANCE XXXX ( which is an accurate and fraudulent as well because how is there a written off amount if the balance is XXXX make it makes sense ) BALance UPDATED XX/XX/XXXX ACCOUNT IS ALSO OPENED FRAUDULENTLY NOT BY ME OR TO MY KNOWLEDGE AND INWANT IT REMOVED IMMEDIATLY AS IT IS ILLEGAL AND FRAUD AND NEGATIVELY AFFECTING MY PERSONAL CREDIT PROFILE! 

COLLECTION ACCOUNTS ON EXPERIAN FRAUD AND ILLEGAL XXXXXXXX XXXX  XXXX XXXX CREDITOR XXXX ACCOUNT NAME XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX OROGINAL CREDITOR XXXX ( never had and is an insurance company ) ACCOUNT TYPE COLLECTION XX/XX/XXXX STATUS COLLECTION ACCOUNT XXXX past due FRAUD AND NOT MINE ACCOUNT # XXXX XXXX XXXX XXXX XXXX  WITH THE CLOSED ACCOUNT OF XXXX ON SAME REPORT! 

XXXX credit management with an account number XXXX original original creditor XXXX account type debt buyer date opened XX/XX/XXXX status is collection account with {$440.00} past due with the status updated XX/XX/XXXX and a balance updated on XX/XX/XXXX of XXXX, which is illegal because why is my credit report being accessed by fraudulent and invalid company that does not have permission to access my Credit file. 

Those are the accounts that are associated with my experience, my XXXX and my XXXX XXXX credit file. They are all on their on all three and listed the same attaching the files as documentation and I immediately want all of these removed. I do not want to start stating credit reporting laws in my consumer finance protection bureau report, but I will if I have to. it is very dishonorable unethical to these fraudulent accounts and not working with me to get them removed. I have reached out like I said to the original creditors as well as the collection companies of these account accounts and they are not valid and not mine. I have had the same insurance company for 15 years and have not had a XXXX account or a first premier bank card ever in immediately want these removed from my profile and I will not say it again again again.
Product: Credit reporting, credit repair services, or other personal consumer reports

more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
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 15 USC 1681. 

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 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: Debt collection

Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. 

I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.
Product: Debt collection

Company : Client Services Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and my spouse continue to receive so many phone calls for over a year from this entity that during our work days we have to silence ringers to prevent work disruption. The phone numbers will change up to 3 times in a day. 
I received a debt settlement offer dated XX/XX/XXXX in the mail on XX/XX/XXXX. This is for a XXXX XXXX XXXX XXXX credit card balance of {$7100.00} with a settlement of {$2100.00} I have chosen to accept this offer and pay in full. The offer is stated to expire on XX/XX/XXXX. Please see attached document for verification. 
Over 10 attempts to make the payment since XX/XX/XXXX have been unsuccessful due to the below mentioned issues. 
Document indicates 4 methods of payment including ; XXXX ) csiezpay.com The online site requires specific reference number, birthdate, username and password to access site and make payment. After multiple attempts, a red box indicates 'there is no account connected with this information ' or 'we are having difficulty authenticating this account '. 
XXXX. ) Pay-by-Phone XXXX with multiple attempts, various responses are prompted- account was verified and once payment information was given, response was that payment is declined or unable to process then abruptly disconnects. 
XXXX. ) contact the office- XXXX receive a busy signal or prompt to speak to representative directs to call another number, XXXX which states office is closed or busy signal. 
XXXX. ) contact phone number provided on document- voice says 'sorry we missed your call, please leave message. ' No response to messages left requesting making payment. 

I have researched legitimacy of this business due to unacceptable response or function of the entity from all points of attempted contact. All I want to do is pay the offered amount before the offer expires on XX/XX/XXXX and have no way to do this.
Product: Credit card or prepaid card

I active it the card from my tax refund XXXX XXXX  on XX/XX/XXXX when I register my account on XX/XX/XXXX my balance was {$140.00} and the amount i received was {$360.00} they withdraw me {$220.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Mi, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b & 1681 ( a ) ( 1 ) ( A ). I recently reviewed my credit report and found the following accounts to contain erroneous and misleading information that is negatively impacting my creditworthiness : XXXX  XXXX ( Account Number : XXXX ) XXXX late payments reported in XX/XX/XXXX and XX/XX/XXXX. 

Under 15 U.S. Code 1681b, you are required to verify the accuracy and permissible purpose of reporting such information. 

XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX late payments reported in XX/XX/XXXX and XX/XX/XXXX. 

These entries are outdated and should be removed under the permissible accuracy provisions of the FCRA. 

XXXX XXXX XXXX Account Number : XXXX ) XXXX potentially negative months and a charge-off ( {$1400.00} written off ). 

This account was reportedly purchased by another lender, and per FCRA guidelines, unverifiable information should be deleted. 

XXXX ( Account Number : XXXX ) Charge-off and XXXX potentially negative months ( {$4500.00} written off ). 

The continued reporting of this past-due amount may violate FCRA statutes on data accuracy. 

XXXX XXXX XXXX ( Collection Account - Account Number : XXXX ) Collection account related to XXXX XXXX XXXX, showing {$1400.00} past due. 

The reported balance does not reflect accurate verification and should be removed. 

Under the Fair Credit Reporting Act, I request that these accounts be investigated and removed from my credit report if they can not be verified. Please provide me with written confirmation once the corrections have been made. 

If the disputed information can not be verified, I request its immediate removal in compliance with federal law. Failure to comply with my request may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>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 TransUnion, XXXX and XXXX 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 a personal credit card account opened at XXXX  XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX  XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 15 U.S.C 1681. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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.

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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying 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 took a loan in the amount of {$1400.00} and have already paid back {$2000.00}. My husband is unable to work because of an injury so I have asked the loan company to settle the loan in the amount of {$350.00} and close the account. The company will not respond via email or phone. The company has said the payoff on the loan is {$2300.00}. This means I would have paid {$4300.00} which I can not afford. The fees and interest charged by this company are unreasonable.