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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { XXXX } I was told by the FTC to explain this to Citibank with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX 2011. 

Citibank denied me two without verify of my identification theft, disgrace.
Product: Mortgage

I sold my house and closed on XXXX XXXX with my loan paid in full by XXXX XXXX. I had updated my address both online and over the phone before closing. After not receiving an escrow refund, I called the mortgage company to inquire about the refund. The mortgage company told me that they had sent the check to the address that was just closed on. They then cancelled the current check and started a work order for a new check. They stated that the new check would be mailed by XX/XX/XXXX. Called around XXXX XX/XX/24 and the company confirmed that the check was mailed to my current address. Called today ( XXXX XXXX XXXX to tell them that the check hasn't arrived. I'm now being told that it wasn't sent and " looks weird '' but that it should be sent soon.
Product: Credit reporting or other personal consumer reports

When I examined my credit report, I found that certain details were incorrect. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is essential for the three credit bureaus to verify these accounts. Failing to validate this information within the legally mandated timeframe without substantiating evidence is not permissible. The accounts listed on my credit report require investigation and correction due to inaccuracies in reportings : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have a loan with lending club. First off, you should take a look at their banking info process ( adding my account ) It requires autopay and they have ( 2 times ) accepted my one time authorization over the phone and then fraudentently enrolled me in auto pay, resulting in OD fees with my bank. 

After I was 3 weeks late on a payment they " outsourced '' the loan and said I can not pay partial, only full payment to them. I called the outsourcing company who said they'd authorize a partial payment, it's been an entire week additional that they haven't drafted the funds, which now makes me worry that I am being reported without given the proper opportunity to reconcile the late payments as I'm a student working nights. 

Thanks
Product: Debt collection

I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries had been made by different companies below. I contacted them all already and asked them to remove their credit inquiry from my credit profile. I am request that you initiate an investigation into each inquiry on my credit report to determine who authorized the inquiries. If the companies can not provide a actually sign contract or piece of paper of my signature authorizing each inquiry, I need them to remove each inquiry from my credit file and send me an updated copy of my credit report. 

XXXX XXXX  -XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX   - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  -XX/XX/XXXX
Product: Mortgage

My son was diagnosed with XXXX and I had to re-route my resources to pay for his treatment and was unable to also pay the mortgage. I submitted a complete loss mitigation package. The denial letter states that my loss mitigation was denied for certain programs due to submitting a complete package. I don't understand why these lenders do not provide easily understood reasons for denials, as seen below. I don't think the CFPB wanted applicants to be denied loss mitigation due to complete package submission. Also, the application was denied on XX/XX/, the letter went out to me on XX/XX/ as verified on the attached picture of the envelope, and received by me on XX/XX/. This took away a complete week from my ability to respond because the lender said the appeal needed to be received by XX/XX/. If you look at the letter, it says that the appeal must be received in the mail or by fax. When I went to fax the letter, the fax number does not work, as you can see in the emails received regarding the chat with my fax provider showing that Loan Depot 's fax number does not work despite Loan Depot requesting the appeal be sent by fax. I am also sending a screenshot of the fax attempts. I called Loan Depot and was told to email the appeal letter, despite that process not being provided as an option in Loan Depot 's denial letter. It seems that Loan Depot is deliberately trying to deny me a loan modification. I am a Veteran and currently in the reserves. I can pay for a loan modification. Please review to see if the lender is complying with the CFPB 's rules for loss mitigation procedures. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Student Loan Account by U.S. Department of EducationXXXX Dear Consumer Financial Protection Bureau , I am filing a complaint regarding inaccurate and unlawful reporting of a student loan account by the U.S. Department of EducationXXXX on my XXXX credit report. Their reporting practices violate the Fair Credit Reporting Act ( FCRA ) as well as IRS regulations for debt cancellation. 

Details of the Issue : The account in question is reported as transferred and closed with no late payments. Despite this, it is inaccurately being reported as a charge-off on my credit report. This violates : XXXX. 15 U.S. Code 1681e : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of reported information. 
XXXX. 15 U.S. Code 1681i : Upon dispute, the creditor has failed to properly reinvestigate and correct the inaccurate information.

Additionally, when the U.S. Department of Education transferred or charged off the debt, I was not provided with a 1099-C form, which is required by IRS regulations for reporting canceled or discharged debt. The lack of a 1099-C indicates that the debt was not canceled or forgiven, yet it continues to be reported inaccurately as a charge-off on my credit report. Reporting a charged-off balance without providing a 1099-C constitutes both a violation of FCRA accuracy requirements and IRS laws regarding income reporting.

Harm Caused : 1. This inaccurate reporting has caused significant damage to my credit score, limiting my ability to obtain credit and secure favorable financial terms. 
XXXX. The absence of a 1099-C has also prevented me from addressing this issue appropriately with the IRS. 
. 

Supporting Documents : I have attached a copy of my XXXX credit report highlighting the account in question. I am also prepared to provide additional information or documentation to facilitate the resolution of this matter. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with federal laws and addressing this issue promptly. 

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

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed.

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor.

Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation.

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a while but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. This happened after I was switching my name from XXXX to XXXX. My email linked to my PayPal is XXXX XXXX
Product: Credit card

I was notified by Citibank that my universal card payment was past due. I never received the statement. I personally visited the nearest Citibank office in XXXX XXXX to request a copy of the statement so that I could review it and make immediate payment. An official at this branch advised me that they did not have access to this information and that I would have to call Citi directly. I called several contact numbers but the only response was that this was an attempt to collect a debt and how would I pay it? I have been unable to contact anyone at either Citi or AT & T Universal Card to request a copy of the statement so that I can review it and make payment immediately.
Product: Checking or savings account

I had file a claim on XX/XX/2021 when I found out there were unauthorized charge on my account with Wells Fargo bank. Wells fargo bank representative told me there was XXXX transactions total of {$29000.00} that I report unknown charge to me and because it was a high amount of money they need to investigate and notify me within XXXX days. On XX/XX/2021 I decided to call Wells Fargo bank to find out the result of my claim because no response since after XXXX  days then I was told my claim was denied base on their investigation and decision was final. I ask for explanation and documentation and ways to appeal. But I was told decision was final no way to appeal and I have to solve this matter my self outside of the bank on my own. My money is gone from my checking account with Wells Fargo bank. Please help!
Product: Credit card or prepaid card

I disputed a charge on line but made a mistake on amount ) $ value. ) So I withdrew the dispute and could no longer dispute on line. I tried to dispute through their chat service and after 2 days and multiple chats they told me they could not help. So I called the credit card company and after speaking with 5 different people they did not help with dispute. I finally asked to speak to someone about canceling my card ( after 1 hour of trying to resolve ) so they tried to transfer me but hung up and canceled my card without my authority. I never said cancel the card I asked to speak to someone about canceling hoping for help with my dispute. I use the card for over {$100000.00} a year in purchases and pay on time 100 percent of the time. I have an excellent credit score. Citi was my credit card bank. Never again will I use any Citi card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the  amount of {$2500.00}. 

Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. 

To my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as  proof of this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer credit report and realized that Portfolio Recovery Association of XXXX, VA has reported an alleged debt to my credit report. This company is practicing abusive, deceptive, and unfair debt practices pursuant to 15 USC 1692g ( a ) 1-5. This alleged debt not only is reported to my credit report, but has been sold a total of 14 times to other 3rd parties. I never gave them per, mission to report any type of allege debt to credit report. This has hurt my credit score tremendously. This alleged debt has been sold and reported 14 times which is a total of 14 violations and this is why I am filing this complaint. I appreciate the cfpb for protecting consumers from these unethical, abusive practices. I look forward to hearing from someone about this matter, because something needs to be done. This type of abusive practices can hinder people from getting the things they need to provide for their family, because someone has reported an allege debt. If someone did that to them they would not like it. Thank you and I look forward to hearing from someone.
Product: Credit reporting 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me
Product: Credit reporting or other personal consumer reports

I have put in a complaint about XXXX account along with XXXX XXXX account both accounts were removed from my credit report. Both accounts were found to not be mine. So according to FCRA 15 US Code 1681b-s once it was removed they are required by law to block them from reporting again on my account. Also they are both charge off accounts I did not ever receive a 1099 for either one. These accounts need to be removed at once. Also I have contacted TransUnion about there error and asked for them to check and they have tried to tell me that they are working on them and they are not really trying to do their job when they did not really look into the fact that it was already removed! These accounts need to be removed at once or I will get legal counsel to come up against TransUnion for failing to do there job legally. Plus both of these accounts have been removed from my other credit reports and they need to be removed from Transunion. 

As of XX/XX/2024 both accounts were removed and on XX/XX/XXXX the XXXX account returned two days later after being found to not be mine. Then XXXX XXXX was put back on my credit report on XX/XX/2024 and it was already shown to not be mine and was removed!
Product: Credit card or prepaid card

On or about XX/XX/2022, I logged into my Vystar Credit Union accounts to review the Credit Card options available to customers. On the main page of the site, it offered Zero % balance transfers for 12 months on all 3 card options. From there, I selected loans services of which the options available for credit cards is to apply for a new card or apply for a credit limit increase. I applied for a new card. Once the application was submitted, I received an immediate conditional approval with the credit terms of 9.35 %, 0 % interest for 12 months on {$16000.00}. About a week goes by and I had not received a card. I called the credit union and they informed me they instead increased the credit limit on my existing card to {$16000.00} and advised that I am not eligible for 0 % because that is for new cards only. I Proceeded to explain to the rep this was a new card application. I was then transferred to XXXX XXXX who informed me the same thing but also a new card would not be issued to me unless there was an additional person added to the card. Had I known they would increase my credit limit on my existing card ( which I did not apply for ), I would not have bothered allowing them to place a hard inquiry on my credit report. 

My Issues/concerns : 1. I was not informed of policy at time of application, the system allowed me to submit an application for a NEW card AND placed a hard inquiry was place on my credit.

2. The Approval clearly stated I was approved for 0 % interest at time of the application and after submission.

3. The credit union refuses to accommodate or extend the 0 % offer even though I was initially approved for the new card offer application.

4. The credit union increased my credit limit on my existing card vs issuing a new card I was approved for without my knowledge. This was even after receiving a follow up email from the credit union to " keep an eye out for a docusign to complete in order to receive my new card ''. 

What I am hoping to accomplish is to be given the 0 % interest rate for 12 months on balance transfers as promised on the application and initial approval.