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

I paid off my mortgage in XXXX, Shellpoint has continued to report the account delinquent l, and began reporting delinquencies for yr XXXX. The account has been paid in full since XX/XX/XXXX XXXX
Product: Credit reporting

Today I was in contact with PennyMac Loan company can given disturbing information that my loan account was reported past due 30 days for in XXXX or XX/XX/2016. PennyMac is violating FCRA act by reporting my loan last for the XXXX and/or XX/XX/2016 payment. I remitted a payment online on XX/XX/2016 and XX/XX/2016 and the company reported my loan 30 days late to the credit bureau agencies even though the payment was made online prior to. This is the third time the company has reported my loan late and now I am unable to qualify for refinance options as they have reported my loan late. I previously disputed with the that my XX/XX/2016 payment was taken out of my account on and they have not applied my payment in violation of TILA. I am being discriminated against by the company and want them to correct all credit reporting. Please note that if I make a payment on XXXX of each month there should be no adverse credit reporting. I want this matter investigated immediately as I have a already filed a HUD complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you, XXXX, XXXX, and Experian 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, inaccuracies and false information consists of a personal card opened where XXXX XXXX sold an account to XXXXXXXX XXXX and loans were placed in my report from XXXX XXXX, XXXX XXXX, and XXXX XXXXThese accounts have resulted in several fraudulent and inquiries and collections appearing on my consumer FICO credit report. The mentioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US federal trade Commission that all of the mentioned consumer accounts, collections, and hard inquiries re the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I checked my XXXX and Transunion credit reports and noticed I had unauthorized inquiries for accounts I did not apply for. This is a violation of my rights and I would like these inquiries removed immediately or I will file for litigation against XXXX and Transunion. I have attached my dispute letter and identity theft report to this complaint for your review.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 a letter was sent to equifax advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue
Product: Checking or savings account

A week prior to XX/XX/XXXX I went into XXXX XXXX XXXX to ask if they can fix my son 's computer to play video games on it. I specifically said for games such as XXXX and XXXX. The clerk said yes and left it with him. On XX/XX/XXXX received a call stating it was ready and paid the {$420.00}. XX/XX/XXXX and XXXX same clerk who repaired it was on the phone with us walking us thru how to fix it since XXXX   nor XXXX  could not load on computer. We followed the clerk 's instructions on how to fix it via some instructions he found on XXXX and after 2 days it still did not work. XX/XX/XXXX, I went into XXXX   XXXX XXXX asking for a refund and they refused. I gave their merchandise back ( have pics to support this ) and stated I will dispute thru my bank ( us bank ). I called in to dispute the charge and US Bank filed it as fraudulent as I later found out. I specifically explained to US Bank that we are filing a dispute for not receiving the product/service. We were told by US Bank we would receive paperwork in the mail to further explain our dispute and any supporting evidence. We received the refund in about a week. We didn't receive any paperwork as described so we called in. US Bank kept transferring us from dept to dept and stated that they had to refile our dispute. Again we stated we are filing a dispute based on not receiving a product/service. Again, they filed it as fraud as we found out later. A month later we receive a notice stating that after their investigation they didn't discover any fraud as the transaction was done by pin and US Bank withdrew the {$420.00} from my account. I called in again and found out the 2 disputes filed were fraud when I never stated it was fraud. US Bank stated they would refile the claim again. US Bank explained the funds would go back into my account in about a week however the funds never appeared. Multiple calls were made week after week asking when the money would be returned to my account and no one could give an answer. Multiple times as I was on hold for over an hour and transferred from dept to dept as no one could give me a solid answer. Finally, got a hold of someone and they stated based on the type of transaction that was done ( by pin ) it was not fraud. Again i explained I never once said it was fraud I am disputing the fact that I didn't receive my product/service. US Bank stated because 60 days had gone by at this point there's nothing they could do for me as it was too late to file a dispute and to seek legal advice. This claim was handled incorrectly for 60 days and then US Bank covers themselves by stating it's too late to dispute it at this point. This is unfair and I deserve my {$420.00} back for not getting the product/service I paid for. I barely found out about cfpb or I would have filed this a long time ago.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRY : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/ XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to login to my TransUnion online account but the page tells me that the credit freeze is currently unknown. I called over the phone, to remove it. Over the phone the person helping said that everything was fixed. I tried to login on to re-freeze it but the website and app both said the credit freeze was once again unknown. Reading the comments from other users on the XXXX  app, other people are having the same issues. TransUnion seems to be purposely doing this so that you buy their product. They have to legally allow for the people whose credit they maintain to be frozen.
Product: Debt collection

I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX XXXX Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Mortgage

XXXX XXXX is not accepting my payments. They are trying to force to foreclose on the house. 
Here is the message from XXXX Dear XXXX XXXX : The payee returned the online bill payment described below : Payment to Rushmore Loan Management Service from account XXXX for {$10000.00}, to be delivered by XX/XX/2018 XXXX. 

If you'd like to continue making payments to this payee, please go to the Bill Payment section to make sure your payee and payment information is correct. Once you've made any necessary corrections, you can reschedule your payment. 

If you use personal financial management software, such as XXXX, please make sure the details for your payee and your payment are correct within the software. 

Have questions? We offer many answers, and other ways to reach us, at XXXX. 

Please do not reply to this automatically generated email. 

We know you have a choice of banks. Thanks for choosing ours. 

Sincerely, Online Banking Team Can you please help me out to solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 has 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 a account without my written instructions.
Product: Bank account or service

Dear Sir/Madam, In order to avail the promised " CitiBank Global Transfer '' by Citibank, I initiated my account opening in XXXX XXXX, XXXX. I submitted my account opening papers and check on XX/XX/XXXX, but my account was not opened until XX/XX/XXXX, which happens to be a substantial delay for someone traveling overseas. 

Adding to the inconvenience and delay, on the basis of communicated assurity from Citibank that my money will be transferred within SECONDS to the XXXX / XXXX account, I have planned to use this as my primary source of funds for the deal requiring XXXX XXXX /- ( ~USD {$22000.00} ) and have suffered losses of XXXX XXXX /- ( ~ USD {$7300.00} ), because of inability of CitiBank to transfer my funds overseas using Citibank Global Transfer XXXX 

Also, Citibank online portal wo n't let me add the XXXX branch account as a recipient, as the section dropdown dosent contain XXXX branch nameThis is quite unprofessional considering the fact that the branch has been operational for over 2 years. I also checked this with the Citibank XXXX associate ( XXXX ) and he could not figure out a way to add it too. And, after reaching to Citibank Online helpline - associate ( XXXX XXXX ) mentioned the reason of account addition failure being the branch not listed in dropdown selection. She mentioned of taking a note ( Ticket no - XXXX ) to convey it to their team, but still no response or update have been received on it. 

Update XX/XX/XXXX - I got the mail form Manager - Customer Care XXXX - " We confirm that we have initiated an investigation on the complaint under reference number XXXX. We shall respond to you within 05 working days '' But I have no progress form them on this case. 

Update XX/XX/XXXX - As per my hour long conversation with the XXXX ( Team Leader XXXX XXXX ) and XXXX ( Client Advocate XXXX XXXX ) - both from Customer Support Citi Bank US - told me that - - " CITI Global Transfer is only applicable on the branches mentioned on the website '' - " As per Regulation change XX/XX/XXXX, no global transfers can be made into NRE accounts in XXXX '' I find it odd that both the statements implies that XXXX branch was NOT eligible for Global Transfer and yet I was insisted by the CITI Bank XXXX associate to open an account for that purpose. Either associate was Uninformed, or I was asked to open an account under False Pretenses. 

Update XXXX - I got the another mail form Manager - Customer Care XXXX And I have no option but to wait to see HOW and IF, CITI bank resolves this issue. 

As per this whole episode, I have suffered losses of XXXX XXXX ( ~ USD {$7300.00} ) for the inability to have money at the right moment. I have my opening balance money ( XXXX XXXX / ~ USD XXXX ) stuck in the Citibank XXXX account for no use. I am facing repercussions in terms of lost faith from other party, and lost tremendous amount of time and experienced XXXX in this process. 

Therefore, I request you to look into this issue, and take necessary action accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXX card! Nor did I receive any letter from XXXX XXXX. Trans Union illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FOURTH TIME I am addressing XXXX XXXX XXXX NEGLIGENCE! 
After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX CARD! Any application XXXX XXXX received was unauthorized.
Product: Debt collection

I was apart of the XXXX data breach along with several other data breaches. I have requested documents to verify debts belong to me, and have received none.
Product: Payday loan, title loan, personal loan, or advance loan

2012 had to end up filing bankruptcy
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX of XXXX IDType : identification XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
XXXX XXXX
Product: Checking or savings account

This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.

They are also in violation for the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX  Balance : {$40000.00}, XXXX XXXXXXXX Balance : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by XXXX, Equifax, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Product: Student loan

I want XXXX XXXX 2009 When I signed up for school they told us prior to starting that the school would be accredited and when we graduated that we would have work that they would we were guaranteed a job after graduating and becoming XXXX XXXXt we never got a job none of us and the school was never accredited so all that hard work for nothing now we all owe school loans I never got the job and all that hard work I did thinking that the school was accredited the school was never accredited
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have documentation for all I am disclosing if needed. So I have XXXX XXXX they said my score was XXXX Transuion good XXXX XXXX Excellent. So I applied for a loan.The bank said my credit score is XXXX and stated that this is XXXX score and the loan was declined. I contacted the bank they said this is my score from XXXX. Then I pulled my credit score from iXXXX it said XXXX transunion XXXX XXXX and XXXX 674. I also pulled Transunion score it said XXXX. Please tell me what score is correct this is very unfair to consumers if I knew my credit was in the 600s I would have never applied for the loan and would have worked on improving it. I retrieved these scores by following the letter from the bank.
Product: Mortgage

I have been having an issue setting up automatic payments. I have tried to set it up twice, and both times it did not work in Truist 's system. As a result I received two overdue fees, but I made the mortgage payments as soon as I was aware. I have never missed a payment in XXXX years, and would not now if it was not for the system. I called yesterday to see why my payment was not showing up and the first person hung up on me after I expressed frustration with the system. I called back and asked to speak to a XXXX and the second person said I could not talk to a XXXX without a valid reason. I want to be able to set up payments and not have them missed.
Product: Debt collection

I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX  to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to XXXX  where the vehicle was located. The finance company that extended my credit back to me was Bridgecrest. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. XXXX also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) XXXX and Bridgecrest are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to XXXX rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. XXXX called me and said that I could bring the car back which is not equitable to me.
Product: Debt collection

I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.