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

On XX/XX/XXXX and XX/XX/XXXX hurricanes hit my house at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX The municipality placed a moritorium on rentals until late XXXX My house sustained damage which made it unusable. Insurance would not cover the damage and I had to pay for it out of pocket. 
I applied for a hardship with my lender XXXX XXXX ; spoke with my personal representative XXXX XXXX, who informed me in late XXXX that I was granted a forbearance on the mortgage payments for three months, XX/XX/XXXX, XXXX XXXX, XXXX. No payment due until XX/XX/XXXX and the payments missed would be added to the end of the mortgage ; not due at the end of the time period. He was very explicit about this. I realized I may need a little more time as damage was more extensive than previously assessed. I reached out to XXXX XXXX to inquire about my eligibility for a few more months of forbearance, he told me to reapply and send a letter of explanation which I did on XX/XX/XXXX and again on XX/XX/XXXX. I received no phone call, but a letter stating I would be granted a modification. I did not need a modification, just a few months of forbearance. My personal representative did not return my calls and I had no idea where I stood with my request. The only thing I had to go by was my XXXX XXXX app which clearly showed a payment was due XX/XX/XXXX. I paid that, but in the meantime, XXXX reported a XXXX delinquency to the credit bureaus and my XXXX XXXX dropped significantly. I have disputed this with the agencies, but am told XXXX must send an update and confirm the forbearance. I finally was able to speak with a representative today, XX/XX/XXXX and was told he can not do that. He could see in the notes that a forbearance was granted but had nothing official he could send to the credit bureaus and my best course of action would be to pay the delinquent amount now. 
This is untrue and unethical. I was told via telephone that this would not affect my credit and the forbearance meant that no payment would be due, including tax and insurance escrow until it was over. The length of my mortgage would be extended, which was what I had requested.
Product: Credit reporting or other personal consumer reports

Im a natural person and consumer please dont close and then just attaching documents they feel they are XXXX complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX FI Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.
Product: Credit reporting or other personal consumer reports

Accounts showing on my credit report that do not belong to me. 

XXXXXXXX XXXX is not an account that belongs to me XXXX XXXXXXXX XXXX is not an account that belongs to me
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On XXXX  XXXX XXXX I attempted to withdraw funds in Credit Karma Save Account. When I went through the process the last XXXX digits shown on the linked bank account did not match any account I have. I proceeded to try to change the linked account through their system that connects to XXXX. It would NOT work, no matter what I tried. It just returned to the same screen. I went on the help menu : the chat bot didn't help, I called the phone number... interesting enough the SECOND I described the problem the person on the phone immediately said they needed to move the complaint up. It was obvious that they have a required company response to this and who knows how many people are effected. 

On XXXX  XX/XX/XXXX I received an email from customer support with nothing more than the steps to the same process that they obviously know doesn't work. Nevertheless, I tried again, tried every way and it is not possible on their website. 

I have no idea what the account is that is linked and if I hadn't noticed, just went through and clicked confirm, which I'm sure many, many people have, who knows where my funds would be. I have once again taken the time to reply to their email but when I searched and saw the exact same issue reported by others I realized reporting this might very well be the only way to remedy the problem and get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never opened or applied for any of these accunts ever. its destroying my whole entire life XXXX XXXX   Reported : XXXX XXXX, XXXX {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$240.00} Needs AttentionXXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX & XXXX XXXX : XX/XX/XXXX {$0.00} Closed
Product: Bank account or service

I am a Citibank customer and I had signed up for an offer to transfer a certain amount of money ( that is new to bank ) between XXXX XXXX 2016 and XXXX XXXX 2016 and maintain that balance through 3 statement periods after that ( XXXX XXXX 2016 in my case ). The offer was that Citibank would pay bonus interest of certain dollars to my account if I satisfied all the criteria ( within 90 days of end of statement period when I qualified for the offer ) - so they had time until end of XXXX 2016 statement period to pay me the promotional interest. 

I received confirmation from Citibank that I have satisfied all the requirements and was eligible for the bonus. But in spite of repeated follow-ups, I keep getting a response that they are investigating as to why I did not get the bonus - but no action has been taken.
Product: Money transfer, virtual currency, or money service

I was using my Bank of America app to XXXX transfer an amount of {$170.00} to someone whom I know for a service they provided my daughter for her graduation makeup. I have the receiver of the XXXX transfer in my contacts already, especially because she is a relative and someone know to my family. Before I transferred the money, I check her number in my contacts, then entered her contact as to who I wanted to transfer the money to. I had checked before sending, and then sent it. I asked her to approve that she received the XXXX, then she says she didn't. So i checked if it had went through, and it did. We were confused as to why she didn't receive it so we gave it a couple seconds but nothing happened. I checked again under her number, which had her name on it, and i even called her under that contact to make sure it was her before transferring. She received the call, but not the transfer. I then realized that the last XXXX digits under the number were altered. I called the number to ask if they could simply return the XXXX back to me, and she had told me she doesn't even use XXXX and that she didn't receive a transfer of the amount i provided. I called Bank of America and they had told me to get in contact with XXXX during their business hours, and also told me that the XXXX transfer had gone through and that the person who received the XXXX actually uses it. I tried to get my money back multiple times, and asked Bank of America to get in contact with whoever received the money, but they refused. I asked them repeatedly especially after knowing that the receiver was also using Bank of America. Also, i had made sure that i wasn't in the wrong because I used my other bank, XXXX, to XXXX my relative the {$170.00} since she didn't get it from Bank of America, and i put in her contact, and it worked perfectly fine. I know this is on Bank of America, and it upsets me because i've been tied with them for over XXXX  years. I needed them to do the simplest thing, which was to contact who ever got my money, and simply ask to refund it back to me, which they couldn't do. I need my refund back please.
Product: Mortgage

In XX/XX/XXXX, mortgage lender PennyMac later XXXX XXXX, commenced a foreclosure action against XXXX XXXX and his wife XXXX XXXX. PennyMac claimed it served their son XXXX at their home address. The XXXX do not have a son. In XX/XX/XXXX when they entered a contract of sale, they learned of the foreclosure. The XXXX ultimately prevailed. There was no delinquency of any kind. No missing or late payments. Hazard insurance, water/sewer were in effect and timely paid. ( See attached Order ) The Court gave us permission to Close. The XXXX requested a pay-off letter. The pay-off letter includes " Foreclosure Attorney Fees of {$3400.00}, '' " Contested Litigation Attorneys ' Fees through XX/XX/XXXX {$2200.00} '' " Court Appearances {$4300.00}, '' " XXXX for an Additional Notice of Pendency, '' " Gap Continuation {$40.00} '' " Index Number {$400.00} ( note : and index no. costs {$210.00} ) '', " Notice of Pendency Filing Cost {$35.00}, '' " Amended Notice of Pendency {$35.00}, '' " Amended Notice of XXXX XXXX Recording Fee {$75.00}, '' " Additional Notice of Pendency Filing Cost {$35.00}, '' " Service of Process {$1200.00}, '' " Order of Reference filing Costs {$90.00}, '' " Request for Judicial Intervention {$95.00}, '' " Referee 's Oath ( Estimated ) {$250.00}, '' " Motion to Discontinuation Fee ( Estimated ) {$640.00} '' and Motion to Discontinue Filing ( Estimated ) {$45.00} '' for a grand total of {$13000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX  ACCOUT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Product: Debt collection

I HAD NO IDEA I HAD THIS DEBT IT IS A XXXX CREDIT CARD OPENED XXXX AND CLOSED XXXX I HAD TRIED TO REFINANCE MY HOUSE AND FOUND OUT THE COMPANY SOLD IT TO XXXXXX/XX/XXXX WHICH THEN WENT TO A LAWYER WHERE THEY PUT A LEIN AGAINST MY HOUSE, I CALLED THEM XXXX AT XXXX XX/XX/XXXX AND SPOKE WITH XXXX XXXX SHE SAID SHE WOULD GET THE INFO TO THE LAWYERS AND THEY WOULD BE BACK WITH ME WITHIN 24HRS AND I GOT A EMAIL BACK AT XXXX SAYING THEY COUNTER OFFERED I DO NOT OWE THIS DEBT BUT TO RUSH THINGS ALONG ON MY HOUSE REFINANCE I TRIED TO SETTLE THE TOTAL AMOUNT WAS A LITTLE OVER XXXX I OFFERED XXXX, THEY COUNTERED WITH THEY WILL ACCEPT XXXX AND PAYMENTS ON THE REMAINING TOTAL OF XXXX. I DONT KNOW HOW TO CHECK ON THIS AND I DONT FEEL ITS MINE CAN YOU HELP ME
Product: Bank account or service

My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open, close, manage and/or have '' his XXXX bank accounts, among other authorizations so I can continue to pay his taxes, etc. 

XXXX has XXXX Citibank checking accounts opened years ago in XXXX. They total just over {$3100.00}. XXXX previously made expensive unsuccessful phone calls as well as written documentation to authorize me to use or to close the accounts. I also have had multiple phone and written communication with Citibank. 

In XXXX XXXX, Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form, taking us back to where we started in XXXX. 

I am submitting copies of some communication with Citibank : POA with XXXX, XXXX emails from Citibank branch, my letter XXXX XXXX, witnessed instrument of delegation, letter from XXXX, his government photo ID card, Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports, among other documents. I successfully used the POAXXXX to sell XXXX of XXXX XXXX XXXX properties among other tasks as he asked.
Product: Checking or savings account

My cash app account was randomly closed and will not allow me to open a new account. They said I violated their policies but I have not and they couldnt tell me which specific policy I even violated. I used this cash app for my small business and it has affected me tremendously. I now can not even open a personal account as they automatically close it once I put in my info.
Product: Credit card

I opened a capital one/potterybarn credit card to buy some furniture in XXXX, 2023 I paid more than minimum due before the due date in XXXX. Then paid the balance in full as listed on the statement {$7500.00}, ( received before due date ) in XXXX. I received a charge for interest due XXXX, although it was paid in full. When I called to question this, they explained that this was standard procedure. 
This procedure is probably listed on the fine print somewhere, but I think it is not fair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. LEXISNEXIS REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX  BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO LEXISNEXIS UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX LEXISNEXIS HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH LEXISNEXIS. 

LEXISNEXIS REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.
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. 
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 XXXXXXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!
Product: Student loan

My complaint is in regards to the high interest rate that i am being charged which is making it impossible to pay off my student loan. Majority of my payment is going into the interest which a small portion being applied to the principle. Furthermore, when i was making my payment plan several years ago, Navient did not take interest in providing a plan that would benefit me in the long run. Furthermore, I work for a non-profit organization for the past 7 years. Navient was not forthcoming on the loan forgiveness plan that i would have qualified for.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX CARD Account Number : XXXX XXXX XXXX  Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA
Product: Credit reporting or other personal consumer reports

Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of Account in question This account obligation was paid and should not be reporting on my consumer report I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )