23daVinci/CFPB_Complaints huggingface dataset:
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 rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I received an offer from Citibank for {$400.00} bonus to open a checking and savings account. Terms were to deposit {$15000.00} in new funds within 30 days and maintain that in checking or savings for 60 days, keeping a minimum {$1500.00} in checking and {$100.00} in savings. 

* XX/XX/2018 account was opened. 
* XX/XX/2018 {$15000.00} was deposited ( ACH from another bank ). 
* {$15000.00} combined balance between checking and savings was maintained until XX/XX/2018. 
* I called Citibank and the CSR told me the bonus requirements were met and that I'd need to wait until XX/XX/2018 to receive the {$400.00} bonus. 
* XX/XX/2018 I called again and they stated they would research the issue, stating I'd need to call back in 2 business days. 
* XX/XX/2018 I called again and was told my " request was transferred to another department ''. 
* Another week lapses, then I called back again. CSR escalated to a manager. I spoke to manager " XXXX '' who said he'd call me back the following day after he contacted " the back office ''. He never called back. 

At this point, I believe Citibank has used deceptive marketing to lure me into opening accounts and maintaining a balance at a much lower interest rate than I'd get at competing banks. I feel this practice is unfair and I'd like Citibank to be compelled to honor the terms of their offer.
Product: Mortgage

Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX  accounts on XXXX and XXXX on XXXX I told XXXX  that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk
Product: Credit card or prepaid card

XXXX has either been hacked terribly or their customer service is at an all time low. They have had all sorts of system problems with payments from bill payment services. My payment has not posted in 5 days and I am being told by their customer service that it will be the XXXX until it is fixed which is 4 more days from now. My is online information is blocked because it trying to collect a payment ( That they have lost ) which leads me to believe they have been hacked. All of customer service has been told to say the same thing and all transactions with their credit cards ( I assume that use bill payments ) are bring denied which was terribly embarrassing to my wife in the store. I am hopeful this is only effects the bill payment customers. Everyone should check their accounts to see if they have been affected. This is horrible customer service and I can not believe they have shut our credit cards down and online information when they have my last payment but I guess can not find it!!!!! If they have been hacked they should tell the customers
Product: Checking or savings account

On XX/XX/18, I signed up for an account with Citibank for a {$400.00} bonus when I deposited {$15000.00} within 30 days and kept the amount for an extra 60 days. I did all of that yet have not received the bonus as of XX/XX/18. I contacted them three times, opened a case on XX/XX/XXXX yet have received no form of communication regarding its status, despite being told it would take 14 business days. I then called XX/XX/18 and their customer service rep said that no supervisors were available, put me on hold for 26 minutes combined, and was then told that no one could help me. This is unacceptable and I deserve the bonus to which I signed up for and met all the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my and I traded in our vehicle and contacted Santander to request the payoff. We received the pay-off information and submitted the check. XXXX XXXX, a representative for Santander that works in the accounting department was informed that my wife and I would be sending the check to pay-off our vehicle loan. 

The check was mailed on or about XX/XX/XXXX. Santander received our check and processed it. My wife and I attempted to purchase a vehicle three weeks ago and were informed that Santander reported the vehicle installment loan as a " charge-off! '' We have evidence supporting our claim that our check was processed and received by Santander. We are requesting that Santander remove the inaccurate reporting from our personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted at letter to Kohls/Capone regarding an inquiry on my XXXX  Credit Report. I do not recall authorizing to get an account with their company Kohls/Capone Date : XX/XX/2018. I called an spoken with someone from Kohls/Capone XX/XX/2018 and that person stated that its no way they can remove it from my XXXX Credit File. I then disagreed with the company due to it being in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: 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 # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX Select Insurance Comp 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604A Section 2 ; it also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency report containing any of the following items of information Any adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.
Product: Debt collection

I am attaching the Judge 's ORDER in this case. The Bank of America still has the account active. I spoke to someone on XXXX XXXX in collection and she said the Bank would honor the Cease and Desist letter. However, until the account is closed, this will never end. 
I believe they are waiting until the XXXX Bankruptcy ending date, then try to come after me again. 
The Order from the Judge said all remaining issues are denied moot. That goes for them, too.
Product: Credit card

Bread Financial Holdings , Inc. XXXX Comenity Bank routinely fails to timely apply payments to credit card accounts and/or claims to have never received physical checks timely submitted and/or actually loses physical checks timely submitted. ( I have experienced four instances of this behavior since XX/XX/XXXX and this is my second complaint to CFPB about Comenity 's practices ). 

I have begun sending payments to Comenity by certified mail in order to retain proof of timely payment. 

The latest failure by Comenity is this. I received a billing statement on XX/XX/XXXX. I sent a physical check by certified mail on XX/XX/XXXX. USPS confirmed timely delivery on XX/XX/XXXX. Payment was not due until XX/XX/XXXX. I checked Comenity 's online record system on XX/XX/XXXX and discovered that Comenity had not applied the payment. Nor had the check cleared my bank. I called Comenity Customer Service on XX/XX/XXXX and " XXXX '' attempted to blame the USPS for slow delivery service. Once I pointed out I had proof of timely delivery, XXXX agreed to process a complaint. 

It is a scam for Comenity to continually blame the USPS when it is their internal processes that are to blame for its failure to timely apply payments to accounts. An investigation into Comenity is needed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX store card through Comenity bank and I was approved for a limit of {$15000.00} and a promotional APR of 0 % for 18 months on purchases over {$990.00}. I made a purchase of {$11000.00} on the same day hoping to take advantage of the promotional offer. I proceeded by setting up automatic payments and signing up for paperless statements so I wouldn't have to worry about the manual process of paying my financial obligations. 
On XXXX, I called Comenity Bank to inquire about my credit card account balance in order to make a full payment of the remaining balance. I was given an amount of {$8100.00} which I immediately paid to settle my account down to a XXXX balance. 
Comenity Bank recorded the payment on XX/XX/XXXX and prior to them recorded the payment, the assessed an accrued interest of the original principle amount of {$3700.00} on XX/XX/XXXX. 
I have been explaining to them that I was under an 18 month 0 % APR promotion as stated clearly on Floor and Decor 's website. Comenity Bank is claiming a different agreement term of 12 months which contradicts Floor and Decor 's promotion. 
I have fulfilled all my financial obligations with regard to Comenity Bank and I am not responsible for any human error of their part that may have led to them assuming that I was on a 12 month deal. The only reason I knew how much that I owed them in the amount of {$8100.00} is because that is what their representative told me and I could equally see that only. I would not have proceeded with making my full payment if I knew they were going to charge me interests much sooner. Comenity Bank needs to cancel the interest charges and refund me for the additional interest autopayments taken out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting for their response to my written requests. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information. Now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please help me on this matter.
Product: Checking or savings account

Capital One Claim # XXXX for {$16000.00} opened on XX/XX/year>. There were multiple unauthorized transactions on checking account from debit card with merchants of international origin. Once I opened the claim, the next business day multiple transactions ( 5 merchants for total of {$8700.00} ) were refunded directly from the unauthorized merchants with no contest. All of these merchants are based in XXXX as evidenced in research into companies provided in supporting document. 

On XX/XX/year>, claim was DENIED for the other transactions with reason " Due to authorization and/or participation in the transaction activity ''. I provided additional document showing research that the merchants are based in XXXX, XXXX. I have never done business with these businesses. Logical reasoning would show that if a handful of merchants that were disputed in this claim automatically refunded me once claim was filed, and the other remaining merchants are also based in same country XXXX, then the remaining transactions ( that were denied ) must also be fraudulent.
Product: Debt collection

STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Good evening, I am writing to the CFPB to write a formal complaint against TRANSUNION. 

I have tried to get them to help me and they refuse. I am a victim of Identity Theft and have had numerous fraudulent activities done to my account. 

From inquiries, to accounts, to collections and transunion does not want to help me. I have sent them paperwork which includes letters, proof of identity, FTC reports, Police XXXX and more. 

They always give me the runaround. Actually, today I got an email stating that the FTC report I sent in isn't a valid Government report when IT WAS REFERRED BY THE XXXX GOVERNMENT. 

Tracking number : XXXX Please have them pay a fine or reprimand them for their illegal activities. 

I will attach a PDF copy of the letter I sent them, the tracking information for that letter, the response they sent me and any supporting documents. 

Thank you!
Product: Credit reporting or other personal consumer reports

TRANSUNION, YOU CAN NOT SAY DEBTS THAT ARE IN SOMEONE ELSE 'S NAME ARE MINE WHEN THOSE DEBTS ARE .... IN SOMEONE ELSE 'S NAME! .... AND THEN JUST ADD MY NAME, XXXX XXXX XXXX TO THOSE DEBTS. THAT IS NOT HOW THIS WORKS. XXXXTHAT IS ILLEGAL. XXXX You stated : IN THE CFPB report submitted on XXXX  " In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - ADDED '' XXXX XXXX XXXX XXXX-not mine and not even in my name. 
XXXX XXXX XXXX not mine and not even in my name. 
XXXX XXXX XXXXt mine and not even in my name. 
REMOVE ALL XXXX YOU ADDED MY NAME TO DEBTS THAT ARE NOT MINE INSTEAD OF VERIFYING AND REMOVING THOSE DEBTS THAT ARE N-O-T MINE AND N-O-T IN MY NAME. THAT IS ILLEGAL!XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
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: Mortgage

We have been attempting a " Short Sale '' for my client 's property with Ditech Funding for over 1 year. We are working on our XXXX Buyer for the property. Every time we have a Buyer, Ditech stalls or asks for documents in unreasonable time frames. If we do not get the documents within the time frames, they cancel the file and make us start over. When we are able to get the documents within the time frame they always turn to value, which they have {$40000.00} over actual market value. Bottom line is they are unwilling to professionally work out a reasonable short sale for my client and I feel they have broken many laws and regulations in the process.