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

Continuation of complaint : XXXX Company claimed a monetary relief amount of {$2800.00} was sent out - no monetary relief was received Company received returned funds from a merchant due to a dispute being filed- they never returned those funds. Furthermore the account that those funds wouldve been returned to was closed before the dispute was finalized. The account wasnt correlated with any other account therefore returned funds couldnt be used to offset any debt/negative amount owed to the bank - XXXX Company also claims to have mailed out another check for received funds from a processed dispute of {$160.00} - PNC DID NOT RETURN THOSE FUNDS NOR HAS A CHECK BEEN RECEIVED
Product: Mortgage

M & T XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX The negotiator is playing games on this file and forcing a cancellation that is unnecessary. The fully executed Arms Length Affidavit was sent in on XX/XX/XXXX. Yesterday she claimed that escrow didnt sign it. In fact, the negotiator did not bother to look at the last page, which escrow signed separately. Today, XX/XX/XXXX, she came up with yet another excuse to not work on the file, claiming the agents employing broker does not have the right to sign for him. 

Firstly, it is obvious the negotiator is playing games -- -- - she didnt ask for the agent to sign instead of the broker yesterday, and all of the sudden today she is cancelling the file. -- -- She is cancelling the file without giving us the opportunity to provide the requested documentation!!!!! She just arbitrarily cancelled the file so she wouldnt have to work on it. 

Secondly, she has decided to prohibit the agents employing broker to sign for them even though the broker is legally responsible for all of their agents. This is in fact a violation of CA State Law regarding the rights and responsibilities of the employing broker in a real estate transaction. 


I want the short sale re-opened and reviewed IMMEDIATELY. This should never have been cancelled.
Product: Debt collection

I am always getting confused with my father who lives with me. He is XXXX XXXX My bother is Jr. and I am the middle son. This is not my debt and I do not know what it is! I continue to dispute the debt with the credit bureaus but they have not helped me and I need help! 

and to make matters worse this collection company keeps updating this account monthly to refresh it to make it look like it is a new account!
Product: Checking or savings account

On XX/XX/XXXX XXXX a check in the amount of XXXX was mobile deposit into my account it showed a non credited deposit transaction. So I called customer service about the check that was mobile deposited into my account. And customer service informed to redeposit the check into the my account and therefore I did. I was under the assumption that all transactions was credited correctly due to there notification I went to purchase food for dinner on the XXXX of XX/XX/2020 and my card was declined therefore I called the bank customer service and they informed me that I owed them money due to the mobile check deposit transaction. I now owe the bank money {$1300.00} As of todays date I never received any notification of me owing them any money
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the civil liability claim for negligence referenced as 1681 0. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

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

Equifax did not take proper steps to protect my credit information from hackers and it has become compromised. This places me at higher risk of identity theft because of their negligence.
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 Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. XXXX XXXX XX/XX/2022 15 U.S.C 16
81 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: Prepaid card

I had submitted a claim from XXXX XXXX XXXX account for {$770.00} on XX/XX/XXXX. I received a check soon after and I thought I was all set. As we know, the XXXX funds must be spent within the XXXX 's plan year. I was sure that I had spent all the funds. 

But now, when I am checking again, it looks like I still have {$770.00} left on my last year 's XXXX XXXX XXXX account and I am left with no option to do anything with that amount as the claiming period already ended on XX/XX/XXXX. 

At the same time I can see in the transaction history that there was deduction of {$770.00} from XXXX on XX/XX/XXXX. 

So, it is a double whammy - My {$770.00} from my XXXX XXXX XXXX are lost and XXXX account has got a wrongful deduction of {$770.00}.
Product: Mortgage

This is the XXXX complaint my husband and myself are filing against Ocwen Loan servicing.LLC. At the time of our first complaint we did not have the title document. I received it from our new lender. I faxed it with the property address to XXXX. And got no response. I emailed it not once but twice with the property address to XXXXXXXXXXXX. I received an email stating this was an active aaccount. Ocwen caused us to have to go with a higher interest rate and caused my husband 's credit rating to drop XXXX points. We should have closed in time to pay our sons tution, but did not. Had to take a personal loan witha high interest rate to pay. it. I feel the least they can do is restore our my husband 's credit rating. I am uploading the title document, email from Ocwen, the Lien release dated XXXX/XXXX/14 and the new bill hey sent dated XXXX. I also spoke with XXXX XXXX and sent him the information and was promised a responce and never got it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, Upgrade Credit Card Charge off account regarding this complaint XXXX Upgrade Credit CardXXXX, and postal receipt XXXX Postal Receipt.XXXX 

On XX/XX/year> they responded to my disputes with their reinvestigation results XXXX TransunionReinvestigation ResultsXXXX. On XX/XX/year>, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. 

On XX/XX/year> Transunion responded with a refusal to process my request. 

The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I reserve my rights to litigation, should nothing come from this complaint.
Product: Debt collection

I received a letter from this company demanding that pay them and to my knowledge I have never done business with this company or entered into any agreement to pay them for services or goods rendered
Product: Credit card or prepaid card

I have a Visa credit card from Citibank associated with Costco, however I use my other Visa card from different bank and never even activated the one from Citibank. I didn't realize that the Citibank Visa card will automatically charged my membership fee with Costco and I was out of the country from XX/XX/XXXX to XX/XX/XXXX this year. After I came back I found bills from Citibank charged my membership and late fees totaling more than XXXX dollars. I spoke to both Citibank and Costco and was told my membership fee was automatically charged and I had no way of knowing it until the bill came in XXXX. Since I was out in XXXX and I didn't know until I came back on XX/XX/XXXX. I also pointed out that I had shopped in XXXXXXXX XXXX Costco for at least 5 times and was recognized. And I, in accordance with the Citibank manager 's advice, remitted the membership fee. But yesterday I received another bill from Citibank, still charged me late fee. I called the Citibank manager, named XXXX, but he claimed he can't remove it. So here I am, filing this complaint for your judgement.
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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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 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

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXX  CRED XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> ( XXXXXXXX XXXX XXXXXXXX ) at the Citibank XXXX on address XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Thru ATM, I requested the ATM to withdraw {$1400.00}. The ATM machine started rolling. I noticed there was some soda residue on the drawer of the ATM. As the machine was rolling it made some rolling noise in the drawer of the ATM and then the drawer opened about a quarter of inch and shut immediately without dispensing any money. The screen on the ATM machine showed an error message. My mother who was sitting in the passenger seat of car witnessed it. Immediately after the error started another transaction and requested {$100.00} withdrawal to ensure that the {$1400.00} didn't get stuck in the drawer. The {$100.00} transaction was successful and the drawer opened and dispensed only {$100.00} as requested in the second transaction. It never dispensed the {$1400.00}. So I held my car at the ATM and asked my mother to go in the branch and ask an associate to help while I waited at the ATM. My mother went in the branch but was told that the Citibank employees at the branch can not help us instead we must call customer service. So I had to move my car out of the ATM driXXXX thru as other people were waiting behind me. I went inside the Citibank brach and ask them to call the customer service for me. The customer service started a dispute. After couple months Citibank rejected my dispute- they said their system does not show any discrepancy and will not give me my {$1400.00} back. I asked them to provide me the details and camera footage but they did not provide. I have appealed twice since then but rejected again and again. It's been almost 8 months and I am asking for my hard earned money back. Please help me get my {$1400.00} back from Citibank. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from XXXX indicating 1. lack of XXXX XXXX secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all XXXX as my XXXX card were all paid in a satisfactory matter as I was never late and 2. there were XXXX auto loans on my account and XXXX was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped XXXX points. I have never experienced a credit limit decrease. Something is not right here.
Product: Credit card

On XX/XX/XXXX i called the company showing on the credit app CAPITAL ONE. They state that 1 credit card is under my name and the last time they attempted to use it, the credit card company declined the transaction due to non payment. They used about {$850.00} in transaction and the transactions were made in XXXX, Nevada. The credit card was activated in XXXX and the mailing address showing is my address. 
Per Credit card company Card was used in XXXX nevada at the following locations : NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gas station XXXX {$7.00} XXXX XXXX 2nd transaction on XXXX I received an alert from XXXX XXXX XXXX stating that a credit card has been opened under my name- I did not make the inquiry or use this card. This is the second fraudulent card that has been opened under my name. I have not contacted the XXXX XXXX XXXX  company this morning to report the card as FRAUD as i just received the alert. 

My My Mail has been missing and new credit cards are being opened and used under my name. Someone also stole money from me by using my checking account and routing number at XXXX XXXX XXXX XXXX. I am afraid this individual will continue to open fraudulent credit cards under my name. The most recent one i received was this morning.
Product: Credit reporting or other personal consumer reports

This evening, I saw some incorrect accounts on my credit report and I'm puzzled about why they're there. I examined my credit report as I normally do, but there were unexpected discrepancies this time. I tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this issue, I am asking for a thorough check of the documents I've submitted so I can avoid this worry in the future.
Product: Debt collection

Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and someone has gotten a hold of my personal information. they tried to get goods or services and were unsuccessful but I have unauthorized inquiries listed on my credit reports that were done without my consent! I need these removed immediately because this is ruining my reputation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Sterling performed a background check as part of my application for a position with XXXX XXXX XXXX as a XXXX XXXX, where the offered rate was {$30.00} per hour. I was subsequently denied full-time employment based on inaccurate employment verification details that incorrectly showed no record of my self-employment. 

Details of Self-Employment : XX/XX/XXXX- XX/XX/XXXX : I operated legally as a XXXX XXXX 
XX/XX/XXXX- XXXX : I have been operating under a valid XXXX in the state of Pennsylvania. 
XX/XX/XXXX- XXXX : I have been operating under a valid XXXX  in the state of California. 
Actions Taken : The inaccurate background check report negatively impacted my employment opportunity. I request that Sterling review and correct their records to accurately reflect my self-employment history.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX