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

I did my due diligence and confirmed that the US Treasury check I was about to receive was within my daily deposit transaction limits which it was. I confirmed that it would be okay to deposit if it was made out to both me and my husband and followed their instructions to take a photo of the front and back of the check, make sure both parties endorsed it and wrote in large bold letters per their instructions FOR DEPOSIT TO CHIME ACCOUNT ONLY within 30 seconds I received an email stating that it was rejected. I reached out via chat and by phone and everyone I spoke to said that everything was perfect and there is no reason the system should have rejected it but gave no resolution other than the call the IRS for a new check. This is a matter that I have worked to dispute for over two years and now I have a check for nearly $ XXXX that is in essence worthless. Every single person I spoke to said that I had no other options and said if I tried to deposit it again I would be blocked and shut down which I cant afford to do because this is the account my direct deposit goes to. They mislead me into feeling this would work and caused me hours of missed work and an incredible amount of stress. Upon their advice, I called XXXX other businesses whom the first two reps said I could cash my check at or deposit into just to find that was false information. When I requested to be transferred to corporate escalations, they sent me over to someone named XXXX that could barely piece together a sentence and when I asked to confirm it was the corporate escalation department she said yes I am them, and proceeded to tell me the exact same thing that no one has any control over what their system does and confirmed I did everything right and the check should have went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were rehabilitated and transferred to Navient. I believe that Navient reported my balances to credit bureaus in violation of the CARES Act. My XXXX score dropped 40 points in one day with no other notable activity.
Product: Mortgage

COMPLAINT We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate back to the date of commencement of the loan which is on or about XX/XX/XXXX. Newrez aka Shellpoint denies they are not the responsible party, which is hereto attached. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX advises that Newrez aka Shellpoint is the responsible party pursuant to their agreement by and between one another. Therefore, the two lending companies are misrepresenting statements of fact and therefore this matter requires further documentation. Again, this is fraudulent lending practices and continued financial game/gain. All responses are attached. 


Dear Lender : This demand is a formal notification pursuant to my documented call and the direction of Shellpoint, division of NewRez servicing this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosed false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced on or about XX/XX/XXXX. The interest rate was initially set at 6.375 % on the good faith estimate, which is attached for your perusal ( hereinafter as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have recently discovered and ascertained information that our property should not have been recognized as a condotel as our Association maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ). Since conception of the loan, we faithfully paid the amount each and every month. Due to the most recent occurrences of the hurricane XXXX and XXXX that hit Florida, we have become one of those being faced with catastrophic damages to our dwelling. We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan which is on or about XX/XX/XXXX. Further, please see Exhibit C response from trust company advising Shellpoint is holds the loan which they only service the loan. This information is in accurate. This matter is of urgency, as such we are requesting an immediate reply on or before XX/XX/XXXX before pursuing CFPB and filing an injunction. Thank you for your consideration and your prompt attention is required. Sincerely, XXXX XXXX Managing Agent ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) Shellpoint Mortgage Servicing certified rrr and first class mail ( w/encl )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute letters off to experian and XXXX XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I got membership forms and a debit card to reestisablish service with Wells Fargo Bank. Then last year my new credit union paid them for a personal line of credit loan on time, the bank assumed it was delinquent and its still on my credit report.. I went to the credit union to retrieve the statements, my financial expert and your agency without follow through.Last year I went to the credit union to get statements of payment history and all of my payments went out promptly, I called my financial person about this and he didn't seem interested or was busy and contacted your office without feedback.Thank you. Sincerely yours, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I'm completely baffled as to why they are there. Ive always checked my credit report regularly, and now, suddenly, there are discrepancies. I tried refreshing the page, hoping it was a simple mistake, but nothing changed. These inaccuracies didnt disappear, and now XXXX XXXX feeling really XXXX. Please ensure the documents Ive submitted are reviewed carefully so I can put this nightmare behind me.
Product: Debt collection

Credence Resource Management has continued to call me during the weekend. They have called before before XXXX XXXX. During the weekend and weekdays. I have been verbally abused by the people who work there. I have repeatedly told them I am willing to set up and payment plan but I am waiting for an itemized bill from them. Which I asked for 2 weeks ago and it has never come. Someone from this company also told me I have till the XXXX of this month to pay it off in full because this person said that the they were able to take 60 % off my original bill. I told her that I was still in the hospital and that it will have to wait till after the XXXX. Which she then said that if I pay it after the XXXX that 60 % off my bill won't be on there anymore.
Product: Credit card

I would like to register a complaint regarding Synchrony Bank affiliated with XXXX XXXX Credit Card and XXXX XXXX. In XXXX, this holder of credit accounts for XXXX will implement a 32 % interest charge on balances with XXXX and charge daily interest on top of that for any outstanding balance. 
In addition, if someone misses a payment, the rate goes to 36 %. On top of that, they will bill {$1.00} for a paper statement. 

I feel that this is corporate greed and unconscionable! Inflation is at an all time high and this type of hiking and gouging of consumers needs to stop. 
I shop at XXXX and am fortunate enough to pay off my balance upon billing, but I remember a time when I could not and needed some extra time. This organization is used by so many young people, homeowners, contractors, etc. 
who depend on credit to be able to function. Something has to be done! I intend to write my congressman too. I'm fed up with corporate greed! 

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

XX/XX/2021, I disputed 5 collection accounts with COLLECTION CONSULTANTS OF CALIFORNIA, I asked for proof to validated and verify the information reporting on my account. No proof was provided. XXXX deleted all erroneous collections from my credit report as a result. I now require XXXX  and XXXX  to delete the erroneous collections from my credit report immediately to prevent any further harm to my credit. I also require COLLECTION CONSULTANTS OF CALIFORNIA to cease any further inaccurate and negative reporting to my credit report as per FCRA. I have provided my full XXXX  credit report as proof.
Product: Credit card

American Express declined a {$15000.00} purchase from XXXX XXXX on today ( XX/XX/year> ), one of my suppliers for my business, AFTER they given me approval above my limit for a larger amount on Friday, XX/XX/year> ). Absolutely no other transactions were applied to that card after the approval because I did not want to cause the approval to be declined but it was STILL declined causing my company to possibly lose credibility with our supplier.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL LOAN 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

XXXX throughout XXXX XXXX throughout XXXX Request BOA to disclose XXXX  fine print and disclosure about it and never got any information.
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  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019-30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

Citibank credit cards department has been continuously discriminating against me based on my race and racial origin. they have insulted me multiple times and have refused to answer my complaints and investigate my charges of fraud against citibank, in the latest instances, citibank has posted two charges, of XXXX $ each, with posting dates of XX/XX/XXXX and XX/XX/XXXX of XXXX, both with transaction date of XX/XX/XXXX. Both charges are fraudulent, both have the same reference number, XXXX XXXX both charges are duplicate and triplicate charges of a charge posted to my account in XX/XX/XXXX. 

However, citibank refuses to acknowledge this and they retaliate against me for previously complaining against them to Consumer Financial Protection Bureau and raising the issue of Citibank 's XXXX discrimination against me. 
Please invesitigate Citibank. They are violating Federal fair Credit Act and anti-discrimination statutes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, TransUnion and XXXX s. On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/13 I was scammed by a PayPal seller. I used PayPal credit for my payment. I talked to PayPal and all they did was put up a dispute and I am very sure the scammer is not going to give back my money. I need my payment canceled. It's credit and not my personal money, so I feel there may be a way to solve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CREDIT CARD OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX  XXXX AND EQUAFAX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account reporting onto my credit report. I have pointed this out to XXXX, XXXX, and Experian. XXXX  and XXXX has resolved the issue. The results from XXXX has came back as deleted but Experian has not resolved the issue. I have sent Experian several FTC reports and several lettersXXXXExperian has ignored all letters and FTC reports. Every time I call Experian, they tell me that they did not receive my FTC report, with is a lie because I sent my letters certified mail. My certified mail shows me that they have received all of my letters. Experian has violated several of my rights and they have not taken my situation seriously. I have not receive any results from them. They have not responded to any of my letters at all. I have not receive any letters from them in the mail.
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 privacy and confidentiality under 15 USC1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy.

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

Hello Consumer Financial Protection Bureau, Previously, I opened a claim with a complaint number : XXXX. To summarize what happened in the complaint, an unauthorized transaction posted on XX/XX/XXXX for - $ XXXX. On XX/XX/XXXX I was given a provisional credit of + $ XXXX. On XX/XX/XXXX, the claim closed and - $ XXXX was taken away. When it was taken away, it was labeled Other Debit. I appealed this decision and WON THE APPEAL. However, Citibank still refused to pay me back. 

On XX/XX/XXXX, Citibank responds to CFPB and states that they need more time to do the investigation. On XX/XX/XXXX, they conclude the investigation in my favor and sent a letter stating so. But since they never paid me back, I called and sent additional letters even after I won the appeal. 

Earlier today on XX/XX/XXXX, Citibank sends another letter that states : With regard to the {$1000.00} debit dated XX/XX/XXXX, we found that this debit is directly related to a request previously submitted using a debit card to fund your Citibank checking account ending with XXXX for {$1000.00}, which posted on XX/XX/XXXX. We received notification on XX/XX/XXXX, which indicated that a dispute had been filed by owner of the debit card used indicating that the funding transaction was unauthorized. 

THAT IS INCORRECT The transaction that posted on XX/XX/XXXX is a valid XXXX transaction from my XXXX account. On the Citibank notes it says XXXX Debit Card Balance Builder INTERNET XXXX. However, in the XXXX notes it says Quickpay With XXXX Payment To XXXX XXXX XXXX. I only made one transaction on the XX/XX/XXXX between those accounts and they match up. 

Somehow Citibank mislabeled the transaction of XXXX XXXX XXXX XXXX instead of XXXX payment. 

The transaction number for this is XXXX. 

I have also attached a screenshot ( in PDF format ) of the XXXX XXXX statement. It clearly shows a valid XXXX transaction that matches Citi. There was only one transaction that was made on XX/XX/XXXX. According to the letter sent to me, on XX/XX/XXXX, Citibank received notification that a dispute was filed by the owner ( which isnt true ). Because of this, the screenshot will show entries between the dates XX/XX/XXXX and XX/XX/XXXX. If this was true and was really notified, there should be some type of reversal credit back to XXXX account between XX/XX/XXXX and XX/XX/XXXX. 

Before the Other Debit was the reversal of the provisional credit. Now they are stating Other Debit was the reversal of an unauthorized transaction on XX/XX/XXXX. 

Please help me! 

Thank you! 

XXXX
Product: Debt collection

M. Leonard and Associates are trying to collect a debt that my ex-wife put me down as a responsible party in XXXX. I have been divorced from her since XX/XX/XXXX, Fourth Judicial District of XXXX, Montana XXXX File Number XXXX. The courts phone number is ( XXXX ) XXXX. I was not responsible for any of her debts after the divorce, nor have I been notified by this collection agency. The only reason I found it, is that M. Leonard has reported the debt to my credit reports without my knowledge. She is committing fraud, and identity theft. Please remove this from my credit reports immediately. Should you need a copy of the divorce decree, please let me know, or the court can supply a copy with the information above.