23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citibank has restricted my account since XXXX of this year. They told that the account will be closed in 60 business days and a check will be sent to me. 
Since then, I've been calling them but I'm not getting access to my account and I didn't receive the check from the account that is scheduled to be closed. XXXX XXXX XXXX
Product: Mortgage

From the time of application we were given five different mortgage processors, each of which shared no information with the others. My husband, XXXX XXXX, the closing attorney, and our sellers agents sent multiple documents five times or more. When the negligence and incompetence of PNC delayed closing they had the audacity to blame us because they, PNC, failed to disclose documents they still needed until last minute and assigned blame to us when they didn't already have those. 
PNC then charged us {$400.00} to keep our rate because our rate lock expired due to THEIR failure. 
Futher PNC failed to disclose that the seller could only offer 3.5 % towards closing costs, leaving us at the signing table with $ XXXX less, money that we could have negotiated be put towards repairs had we been disclosed.
Product: Credit reporting or other personal consumer reports

I have disputed the debt, and validation of the debt with the original creditor US auto sales due to Consumer Credit laws and it was successfully removed and reported as closed. I also had the closed account removed under consumer credit and contract laws successfully. The debt was turned over to collections with Westlake Portfolio as closed. The vehicle was then repossed and is showing as redeemed. Now it is showing on my XXXX account as open and delinquent. It also dropped my score in the XXXX range. The account is incorrect and under FCRA laws the original contact with US Auto Finance is illegal due to cash being given during a finance charge as well as the purchasing of insurance through the dealership.
Product: Credit card

A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned '' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a complaint regarding Equifax to the CFPB on XX/XX/2021. It is complaint number XXXX. The CFPB contacted Equifax and they responded saying they would investigate the complaint. After several days they responded indicating a letter had been sent with the results of their investigation. It has been a month and NO LETTER HAS BEEN RECEIVED. The CFPB closed the case despite my feedback that no letter had been received. As a result, I am initiating a new complaint to request Equifax actually comply and resolve the problem and actually send the letter showing they have frozen my mother 's credit and linked her personal information with her credit history. Right now I believe Equifax has her personal information attached to someone else ' s credit file. I also believe any letter sent was sent to someone else possibly exposing my mother 's personal information to a complete stranger.
Product: Mortgage

Loanstream Mortgage services my mortgage. They have been in control of it for 3 payments. This is the fourth payment. 
I have to call every month to make a payment. No one is ever available to take my payment. They say they will take my number and they will call back. They dont call me back. They refuse to send me a mortgage statement. None to date. I dont know how they are applying my payment. 
I have paid additional amounts and who knows what they did with that. Every month its the same thing. No one there can help. One person that answers their phone there can only say uh, uh, uh did you try online payment? Could not answer any question. This company is highly unprofessional. They have a fiduciary responsibility. At this point Im having to mail a check at last minute!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX Has several inconsistencies regarding this account It will be attached
Product: Debt collection

I spoke to a representative on XXXX/XXXX/2015 of a debt in the amount of {$100.00}, that was subsequently taken out of my bank account on XXXX/XXXX/2015. The agency promised that If I paid the full amount, which I did, they would send a report to the credit reporting agencies to remove it completely from my credit. As of XXXX/XXXX/15, the account shows paid in full on my credit report, and was not removed as promised. Therefore the agency gave me false statements in order to collect a debt. The agency in question is Bureau of Medical Economics on XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest the inaccurate reporting of a fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Under Section 611 of the FCRA, your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 


XXXX XXXX XXXX  XXXX
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 one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit file and found XXXX  personal loans taken out in my name from the company " Affirm Inc ''. The XXXX personal loans were taken out on ( XXXX ) XX/XX/2022 ; Balance : {$770.00} ( XXXX ) XX/XX/2022 ; Balance : {$510.00} and ( XXXX ) XX/XX/2022 ; Balance : {$800.00}. After speaking with XXXX, they have indicated that the address associated with the XXXX loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, Affirm today, and they could not provide help regarding the XXXX loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.
Product: Student loan

Multiple PSLF forms have been submitted since XX/XX/XXXX. I have also included supplemental XXXX and banking statements showing direct deposits showing employment records for the months of XXXX. They recorded my end date or employment as XX/XX/XXXX and will not correct my record. My form continues to be duplicated and removed from the system. Every time I call they change the name of the form received and will no longer process. I have now called on several occasions and was told XXXX days again and this has been happening for 19 months. I have offered my resignation letter on several occasions and do not want it. I have shown direct deposits matching my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later XXXX sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. XXXX denied this and continued to report as not payed. So I disputed with a second crediting agency. Now XXXX is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.
Product: Credit card

I had an Amerian Express card about a year ago which I cancled. A few months back I recieved an offer in the mail from American Express offering me a free year plus XXXX bonus miles if I put {$3000.00} on the card in the first 3 months. I called the phone number on the offer and spoke with the agent. She asked me specific questions and at no time did she ask me if I had an American Express in the past. She did ask me if I currently have an American Express card and I stated no. After a few more questions she ran my credit and stated that I qualified for the card and should be receiving my card in a certain number of days. I received my card in the mail and started using it immediately and put more than the $ amount on it required to receive the bonus miles. Last weak I contacted the company to find out why my balance was not showing the correct balance with the bonus points and she informed me that I did not qualify for the bonus miles because I had a card in the past. I stated that that was not ever discussed over the phone with me when applying for the offer. I spoke to a supervisor and received no help. American Express obligated themselves to giving me these bonus miles because i upheld my end of the bargain and never once disclosed any information from them. They are the ones who approved me for the card and mailed it to me to use. They never once called me to tell me I would not be receiving the offer promised. I therefor stopped using my other card that I would have been putting miles on to grow that balance just because I wanted the bonus miles from American Express.
Product: Credit card

XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. 

Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}
Product: Money transfer, virtual currency, or money service

l am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

The title company informed me that Roundpoint Mortgage, XXXX XXXX XXXX XXXX, North Carolina XXXX had 30 days to return my escrow. They took out another payment after closing on XX/XX/XXXX. I received the escrow amount of {$1600.00} today, XXXX XXXX. But they did not include any penalty for over 70 days in making the payment. I requested the penalty a month ago by phone and e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX  XXXX, that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.
Product: Credit reporting or other personal consumer reports

I am filing this dispute to address the non-compliance of XXXX with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying TransUnion via a phone call on XX/XX/XXXX of the recent CFPB rule, their customer service agent refused to remove the medical debt item from my credit report. which is not compliant with the current rule nor sufficient to resolve the issue. Requested supervisor was advised on will contact me in 3 business days.

The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : First four digits for privacy : XXXX Amount Owed : {$500.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item
Product: Credit reporting or other personal consumer reports

The bankruptcy court stated they do not report to the credit bureaus however a bankruptcy keeps showing on my report, this has stopped my homebuying process and costing me more financial debt. 
This bankruptcy has been XXXX for 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires were posted on my TransUnion account. I disputed them by mail, to TransUnion and later received a letter back. To tell me that they are remaining and will be updated ...
Product: Debt collection

In XX/XX/XXXX, I had plans to move to XXXX XXXX XXXX I found a private landlord which I later learned she was actually a XXXX. I was going to rent XXXX of her units but upon inspection I noticed a lot of things wrong broken things it was also XXXX XXXX it did not represent the pictures she posted in the ad! so I backed out at the last minute. She became very irate and stated that she was holding the unit for me and she couldve rented it out already. I advised her of all the things that were wrong. She still was very upset fast-forward a few months later in XX/XX/XXXX I received an email from a debt collection agency ( southwest recovery services ) stating that I owe over XXXX for back rent on a property that I never moved into When I asked them to provide me with paperwork. They sent me on paper with my name signed on it saying that it was the lease agreement which was forged because I never signed a lease agreement. The signature was taken off of my application when I paid the application fee. Thats how my information got leaked to begin with When I asked them. What could I do? They stated I would need to contact XXXX XXXX, to resolve it, or take legal action to have it resolved when I tried to contact her I was unable to find her or contact her. I did file with the XXXX XXXX to take her to court, but the XXXX XXXX XXXX was unable to serve her court papers because they were not able to locate her I had given them multiple addresses to where I thought she either lived or worked, and they were all dead ends. Eventually, they said that I would need to hire a private server in order to serve her because they made more than XXXX Attempts And thats all they are allowed to make to this day XX/XX/XXXX I still have not been able to server her! Ive reported this with XXXX multiple times and tried to dispute it multiple times and they always say they do an investigation and that it came back as valid, which is untrue. It is not reported on on either of the other credit bureau just XXXX! I would like this removed off of my credit report as this has been a hassle and been holding me back from future housing. I have never had an eviction or any collections for housing on my credit report and since this has been on there, I have been unable to obtain housing.
Product: Mortgage

My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : Balance : {$6200.00} XXXX XXXX  Account number : XXXX Balance : {$20000.00} XXXX XXXX  Account number : XXXX Balance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2018, I found out someone was using my identity.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : M & T BANK XXXX Late Dates XXXX
Product: Credit reporting

I 'm having issues with XXXX medical collections that are not mine nor in my name, they list as individual accounts. I have advise the collector of the hippa violation. I am not responsible for those collections.
Product: Credit card or prepaid card

I purchased a washer and dryer from Home Depot several months ago. They attempted to deliver damaged washer and dryer on XX/XX/XXXX. I refused the delivery. 
I requested a refund from them. It took a week to credit the Home Depot credit card I had used. 
I had paid the balance of the card in full for the washer and dryer in XX/XX/2020. 
I requested a refund from the credit card company and they said it would take 5 days. Its been 5 days and no refund. Now they say up to 17 days. 
Im wondering if they are going to refund my {$1600.00} at all?
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/year>, I received a notification from the XXXX XXXX about a hard inquiry from a company called ENTRATA INC that obtained a copy of my credit history, that company works with XXXX XXXX, it is dedicated to leasing apartments, I added a person to my contract and they obtained a copy of my credit history without me providing SOCIAL SECURITY and without my authorization. Once again I have never provided my social security number to XXXX XXXX ENTRATA INC XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRADULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXXXXXX, CFPB XXXX XXXX