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

Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal allowed XXXX ( nurse ) claim # XXXX to charge my PayPal credit account without permission during the act 's of another authorized transaction which three days later after the agreed amount paid of over XXXX dollars the company transpired to extort more money out of and I was unaware of an additional charge made until after 4 days of the company telling my money would be returned. I contacted PayPal and the money was returned but filled for fraud on the {$38.00} but the agent documented the account as not as described. I got a response from PayPal per merchant service render on XXXX XXXX I was told the filling status which limitation corrected to unauthorized within 24 hours a response from PayPal was denied due to many unauthorized transactions from the same merchant that's all on PayPal account. Some however PayPal ALLOWED this merchant to access all of my credit cards listed on PayPal profile. However, PayPal states the merchant never get your credit card info but XXXX was the first to notify PayPal of the fraud then PayPal notified me to check all my accounts listed on PayPal.  XXXX  ( nurseessay ) has a listed business address in Texas however, the address is a residential with a new owner since XXXX. The business is not listed with the Texas Secretary of State or the IRS. The business phone number continues to ring with no answer but, PayPal continues to allow this merchant to use and abuse customers by lying and stealing. PayPal states no third party access my account because the IP address showed to be used by me but, how did the Company steal money using my IP and Log in
Product: Mortgage

My home was illegally foreclosed on by NationStar Mortgage. Prior to the foreclosure NationStar made numerous errors. These errors were brought to light by the memorandum of understanding dated XX/XX/XXXX by the DOJ and the United States Trustee. Our loan was transferred to NationStar in XXXX by XXXX XXXX XXXX. Prior to the transfer to NationStar my Wife and I applied for save your home California.The monies we disbursed to save our home and they collected the funds and still foreclosed on our home. 

There is definitely fraud going on here! 

Please Help Us! 






Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My date of birth is wrong on Equifax credit report. I recently found out a care provider ( I am XXXX ) used my social with a different birthdate to open accounts. My mother did not know and had made payments on some of them. Now that we know we need the credit reports to show my correct date of birth and accts removed as well. I already submitted CFPB complaints and thru all XXXX burueas. XXXX is completely resolved, XXXX updated the date of birth but has changed it back a few times and Equifax is still wrong, correct birthday is XX/XX/2003
Product: Prepaid card

On XXXX XXXXXXXX  At a XXXX gas station I added {$49.00} of paper money to my Cash app account. After that I payed at the gas pump with my cash app card as a debit transaction using my 4 digit pin to pump {$7.00} of gas. Since that transaction my accout has a pending hold of {$47.00} and a negative balance of {$7.00}. I have never has a pre-authorization hold longer then maybe 30 minutes... EVER! The cash app represents told me 2 different reasons for this pending hold. One being XXXX had charged me 2 times for that transaction. That wasn't true it never showed in my accout activity that was the issue. Cash app blames the merchant for the hold. 2 days later I contact XXXX and speak to a representative and they stated it's not a pending hold on their end, it is Cash app placing the hold. I contacted Cash app again and they still blame the merchant. I have spoke with cash app 4 or 5 times with no resolve. As of XX/XX/year> my money i deposited is still being held. This company is jerking people around and withholding people money. This is not ok. The XXXX representative said 80 % of the calls received is for this exact same issue I'm having. I have request a statement from the on my behalf. I have supporting screen shots of the false information Cash app is stating. I am also seeking legal assistance for their fraudulent ways.
Product: Credit reporting or other personal consumer reports

I Have sent multiple dispute letters to Transunion, Regarding inaccurate information on my credit report. Despite providing evidence, Transunion has failed to comply with their legal obligation under the Fair Credit Reporting Act ( FCRA ). Specifically : -15 USC 1681e ( b ) : Transunion has not ensured the maximum possible accuracy of the information in my credit file. -15 USC 1681s-2 : Transunion has continued to report inaccurate information after provided notice of dispute. -15 USC 1681i ( 5 ) : Transunion has reinvestigated and reinserted dispute item without notifying me, as required by law. -15 USC 1681c ( c ) : Transunion has reported obsolete information that should have been from my credit report. Recently, I Became aware of the lawsuit filed by the CFPB against Transunion on XX/XX/year> titled CFPB Sues for Sham Investigations of Credit Report Errors. According to the CFPB, Transunion has failed to conduct proper investigation and has even reinserted errors on credit reports, which aligns with the issue Ive been facing. Transunion failure to comply with these laws has caused harm to my credit, employment, and housing opportunities.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX I recently reviewed my credit report as of XX/XX/year> and noticed two new inquiries that were not authorized by me. I asked that they please be removed as soon as possible to correct my credit file. Thank you highly appreciate your urgency.
Product: Mortgage

I inquired at US Bank, XXXX XXXX XXXX XXXX. in XXXX XXXX, Ca. about a H.E.L.O.C loan. I was informed by the branch mgr. XXXX XXXX I could get the loan At 3.75 % int. for 10 yrs. with free checking. No min. balance or monthly service charge on the account. Also the checking account was optional. If I decided I did not want the checking account the interest rate would then be 4 %. No annual fee on the loan no matter what. 
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. Thank you.
Product: Bank account or service

I signed up for Citi Gold Checking account promotion back in XXXX 2015 via online offer for bonus XXXX Thank you points after meeting certain requirements which I have already met. I confirmed with Citibank on couple of occasions in the past XXXX4 months that I am eligible for the bonus and have met all the requirements. I was told that I am eligible and have met the requirements and the bonus XXXX Thank you points will be awarded as soon as Citi receive and process my XXXX form. I have already sent the XXXX form twice. so when I inquired again this month, I received a letter that I am not eligible for the offer and I was n't targeted for the offer due to an old Citi checking account ( not the new Citi Gold Checking ). I was told on XXXX occasions that an offer code is attached ( XXXX ) to my account and I should be getting the bonus XXXX thank you points as per the terms and conditions. I love Citi customer service and love citi bank in general but not sure what is going on in this case.
Product: Credit card

I am writing to complaint about the contact process at Barclays ( Barclays Bank Delaware XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX ). 

I received a letter regarding a fraudulent attempt to open an RCI Elite Rewards Credit Card ( Application XXXX ) dated XXXX. The letter correctly states that my XXXX credit report is frozen. 

There is contact information about this from Barclays consisting of a mailing po box and a phone number. There is no easy way for me to contact the organization via email so that I have a record of correspondence ( they, on the other hand, record calls so they have a record ). 

It is not unreasonable for consumers to expect an email address to contact the company. Expecting consumers who are victims of identity theft to mail letter, sit on hold with a call center, and have no easy way to record their communication isn't reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late 60 days for months of 2020 XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with SYNCB/AMAZON and SYNCB/XXXX XXXX but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card off and request that SYNCB/AMAZON remove these late reports to credit bureaus.
Product: Credit reporting or other personal consumer reports

Transunion is fraudulent reporting inaccurately on my credit report. They refuse to investigate my claim. The bankruptcy listed is a result of fraud and its reporting fraud. 
This isn't my bankruptcy. I have contacted the court directly, and although you keep saying it's verified. The court is saying that you have not reached out to them. Therefore you aren't doing any kind of investigation.
Product: Mortgage

In short, my home was foreclosed upon due to a divorce where my ex-wife would not sign any documents related to the foreclosed home. I understand that the mortgage company is not responsible for that. Regardless, of the circumstance, the foreclosure falls on me. The court proceedings for the foreclosure were concluded over two years ago ( XXXX/XXXX/XXXX, Court Case # XXXX, XXXX XXXX ( MD ) XXXX XXXX ). The property was transferred to Wells Fargo on XXXX/XXXX/XXXX ( according to XXXX Property records ). The property was then transferred to HUD on XXXX/XXXX/XXXX ( according to MD Property records ). Wells-Fargo has left the foreclosure as open and active all this time. Their contention is that the foreclosure was not final until they improved the house for HUD to accept. I know that the house was not in the shape that it should take two years to rehabilitate to living condition. I do not believe that I should have to wait all this time for Wells-Fargo to make what little improvements were necessary for HUD to accept the home. Additionally, the house was conferred to HUD in XXXX of XXXX. Yet, the foreclosure remains open and the account is being reported to the Credit Bureaus as being delinquent.
Product: Checking or savings account

Unfair overcharges, money management. Overdraft fees
Product: Debt collection

This company keeps reporting that I owe this debt that was deleted prior from my credit report. XXXX is allowing them to do this repeatedly this was already. This Company went and bought the debt and refuses to delete from my file. XXXX is siding with the company to continue to ruin my credit. 


ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX. 
{$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Discover Card had fraudulently closed an account that had been reported as previously fraudulent activity. Discover Card did not properly file a dispute regarding a {$1000.00} amount prior to fraudulently closing said account. I continued to be charged interest as well as fees upon bringing to Discover Cards attention of fraudulent activity occurring. Once I spoke to an account manager who understood consumer law, the remaining {$1100.00} amount owed onto this account was settled and paid in full to me. This account through Discover Card was subsequently reopened without my authorization, without access to any credit amounts as the consumer, yet I am now being told I owe {$1000.00} to this fraudulent account, along with fees and interest and negative reports towards CFRAs. I will file a complaint to the proper magistrate court against Discover Card if the {$1000.00} amount reflected against me is not paid out to me and immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Ive had issues with them harassing me from day one, Im having financial difficulties and the do not want to accept the minimum I can pay Ive asked them to cease and desist and they continue to harass and threaten me. Their newest threat is that Ive committed fraud. Anyone reading this be Leary of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX  XXXX {$2800.00}
Product: Checking or savings account

On XX/XX/XXXX, I deposited a {$10000.00} Cashiers Check, in person, into my savings account at bank of America. The deposit receipt printed at the time stated that the funds would be available on the next business day. 

On the next business day, a notation in my account XXXX on my phone app ) said that NO funds would be available until XX/XX/XXXX. 
If I had known this at the time of deposit, I could have made other arrangements, eg, made a cash deposit. 

After calling the bank on XX/XX/XXXX or XX/XX/XXXX, on XX/XX/XXXX I went in person to resolve the problem. The representative at the bank said she had no authority to release any of the funds and had no reason for the hold. She called an internal number at bank of America, was put on hold while I waited, and then was told that the bank was no longer accepting calls on that line. The representative told me to return on Monday XX/XX/XXXX. 

Over that weekend, due to my inability to access my bank of America deposit, four items were bounced on another bank of America account. On Monday XX/XX/XXXX, I insisted in person that B of A resolve the issue and let me know why the unreasonably long hold was applied on my Cashiers Check deposit. 

The representative again called an internal number and was eventually able to get through to someone who refused to give any reason for the long hold, but who released the funds to me after my insistence. 

This caused me distress and wasted hours of my time. The hold appears to be in violation of FDIC regulations, as this account is seasoned. Per my reading of the regulations, {$5000.00} of the {$10000.00} deposit should have been available after the check cleared that evening. 

If Bank of America has violated the regulations regarding this deposit, what are the consequences it faces? Can I get compensated for my distress and hours of my time spent to resolve this?
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX
Product: Debt collection

Enhanced Recovery Company reported a collection to XXXX on the XXXX of XXXX XXXX. I feel they are violating the Fair Debt Collection Reporting Act by acting as an original creditor and updating my credit report as of the XXXX of XXXX XXXX showing that this debt is 30 days past due. Also, they have not/or will not produce original documents of a signature and/or contracr showung this debt is indeed my debt. When I viewed my XXXX credit report it shows the original creditor to be XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed and were approved for forbearance by our previous mortgage company XXXX XXXX XXXX XXXX XXXX ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with Experian and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after XXXX tells me it'll be fixed. Don't know where else to turn but XXXX is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

We filled out information concerning a forbearance plan which we never completed. I then received an email stating we were in a forbearance plan. I proceeded to call Quicken Loans Mortgage and explained the situation. I was assured that the forbearance would be removed. I am requesting Quicken Loans to update my account which is current. The procedure was enacted without the complete signatures of both parties on the existing loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXt Account XXXXI # XXXX, Account XXXX XXXX # XXXX, Account XXXX AND XXXX # XXXX Account US DEPT OF EDUCATION # 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: Mortgage

I established with Veterans United a payment plan in which I pay XXXX of the monthly mortgage due every two weeks. The intent of this plan is to 1 ) pay a portion of principle early each month thereby reducing the overall amount of interest I pay during the course of the mortgage, and 2 ) make one extra mortgage payment per year thereby reducing the term on the mortgage. 

Whereas I expected Veterans United to apply each payment immediately upon receipt, they instead hold as 'inactive ' the first biweekly payment until the second one is received 2 weeks later. At that time, they credit the monthly payment. 

This results in the consumer not getting any benefit from the first biweekly payment whereas Veterans United ensures they get their full interest during the course of the loan despite being in receipt of half the mortgage payment 2 weeks early each month.
Product: Credit card or prepaid card

To Citicards/VISA On XX/XX/2017 my card was fraudulently charged {$10000.00}. I called on XX/XX/2017 to dispute the charge but I receive no correspondence from the Citi cards whatsoever. I've called multiple times for information about updating the dispute/chargeback no mail was sent although agents of Citicards insured me many times that I will receive documentation. After months of attempts to understand why the charge is still my account in XX/XX/XXXX (! I I received the information without any warning that I failed to answer the mail ( which I never received because apparently something was sent only to my citi account mail, not even my email! ). I am out of {$10000.00} for fradulent charge which I never made. Please return my money as I haven't purchased anything and you are supposed to protect your customer. I am deeply disturbed by decision of Citicards to slash me with such a huge charge. I feel like I'm being discriminated because I'm foreign and I am preparing to get this issue to the attention of the media since I feel I wasn't treated with respect and seriousness of the issue. The supervisor of the Billing Department said to me that he didn't care it was {$10000.00}! Obviously there is something major going wrong with the billing department of Citicards. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX