23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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: Checking or savings account

I opened a Citibank banking account package because there is a promotion running. It said I could get {$500.00} bonus if I opened the package and transfer {$25000.00} to the account and keep it till XX/XX/XXXX. I tried to open through the link provided, but it said system could not verify information and asked me to call and apply. So did I, and the agent over the phone confirmed that I successfully opened the package and enrolled in the offer. I did all the requirements afterwards, but I do not receive the bonus as of yet. I called on XX/XX/XXXX and the agent said she would transfer me to personal banking department, but actually disconnected me. So I feel the only way is to complain through CFPB.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current. 

I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious! 

Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report tines fraudulent and incorrect information on my credit report. Proof has been sent as I do not owe the amount. Their conduct has been disrespectful, yelling and lying. There are times the collection agency did not respond and it should have went in my fair for the account to be removed.

I was told since the colectio agency identified my name and address nothing else mattered. There are no dates as to the rent the colection agency states I owe. Equifax has acted wrecklessly and violated my rights under the The Fair Credit Reporting Act. ( FCRA ) Proper investigation has not taken place at all. This has been going on for about 6-7 months or longer.
Product: Mortgage

I refinanced the mortgage with XXXX XXXX. 

They initially placed my mortgage loan to the servicer calledXXXX XXXX XXXXXXXX XXXX. 

My mortgage was then later bought by XXXX XXXX and my loan servicer became Home Point Financial. There was one mortgage payment I made on XX/XX/XXXX to XXXX  XXXX XXXX. My mortgage was then fully transferred to the Home Point Financial on XX/XX/XXXX. 

I could not see the payment I made with XXXX XXXXXXXX XXXX reflected with the Home Point financial. I contacted XXXX XXXXXXXX XXXX via phone call yesterday, XX/XX/XXXX. They Said my loan information was sent to the Home Point financial. I contacted the Home Point via phone call. The representative told me to send an email to their inbox with the payment history. I sent them the attachment as requested. I got the response today telling me to contact the previous servicer. 

I feel like there is nothing I can do when I contact both loan servicers. This is very stressful for me to locate the payment while both loan servicers are pushing me to other side.
Product: Credit reporting or other personal consumer reports

A collection was recently placed on my credit report that didn't belong to me. The agency that placed the information was XXXX XXXX XXXX. I called them and spoke with a supervisor by the name of XXXX and explained to her that the account belong to a corporate account and she argued with me stating that the account indeed belong to me. I asked her for the documentation and she swore that it belong to me and I told her I had documentation stating otherwise. I told her to remove it immediately which she refused. After a lengthy conversation she told me she would send me an email with all the information that shows it belongs to me. A few days later I received letter from the original creditor stating that they would not be pursuing me for financial responsibilities than yesterday I received a letter from summit that they would be removing the account from my report. They placed an account that never belong to me in the first place and never had any documentation to prove otherwise.
Product: Debt collection

I have told this company on multiple occasions to remove my number. On this last call he found it funny that I kept asking and refused to remove the number from the database. He just kept trying to get my personal information. Repeatedly over and over he kept asking. To the point where he stressed me out so bad then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and Elan Financial Services regarding the same issue for more than a year and to no avail, no action taken place.
Product: Credit card

Citibank is advertising on XXXX XXXX website a credit card which gives a {$400.00} credit when you purchase an airline ticket on XXXX XXXX. Upon applying for this credit card by phone, the Citibank representative explained the card offer in detail. She advised that the {$400.00} credit would apply on my first statement. I was approved for the card, and purchased the airline ticket. Upon receiving my first statement from Citibank, it did not show the advertised {$400.00} credit. I called Citibank to ask why and the completely denied that the offer existed. During that same phone call I opened the XXXX XXXX website and the advertisement was still there! They continued to deny the offer existed. I spoke to a Citibank supervisor and they also denied the offer existed. I called Citibank again today and now they are saying to call XXXX XXXX. I called XXXX XXXX and they said they get mulitiple complaints about this Citibank card offer scam every week! So why are they still allowing Citibank to advertise on their site? This is outrageous, that a company as large as Citibank can get away with such a blatant scam.
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 USC 1681. 

Account name : XXXX Collection # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 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: Checking or savings account

My name is XXXX XXXX, a US military veteran and a resident of XXXX, Massachusetts. I am writing to report the following : At approximately XXXX XXXX  on Friday, XX/XX/2024 ; I went to TD Bank located at XXXX XXXX XXXX, XXXX, Massachusetts for a transaction from my bank account. 

I met a Teller, who directed I put my debit card into the payment terminal. I was then prompted to put in my password, which I did. 

I notified her, I was making a withdrawal of {$6000.00} ( XXXX XXXX dollars ). 

The teller then requested that I confirm my phone number. Which I did. She sent me a One Time Password and asked me to read the password back to her. Which I did. 

I was then requested to show a picture Identification. I presented my Massachusetts driver license. 

The teller while counting the funds, then requested to know my place of work. I felt I had presented five categories of identifications ( Debit card, Pin numbers, my phone number, One Time Password, and Driver 's License ), and that these categories were more than enough, to sufficiently and positively identify me as the rightful owner of the account from which withdrawal was being made. 

The Teller then called a supervisor, and they both refused to complete my transaction without me telling them my place of work on the grounds that they were following Bank policy. An excuse that I find not credible. 

I left the bank without completing my transaction, I was denied access to my funds, and the reason for which I went in person to the bank. 

I feel that submitting FIVE categories of identifications were more than enough to positively identify me as the rightful owner of the account. 

The actions of these TD Bank employees I felt was discriminatory. 

I ask that this matter be looked into, so that such discriminatory practices against ordinary citizens do not continue. 

Thanks in advance, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. Please delete these accounts properlythank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion to file removal of unauthorized inquires asap, I was told it could not be removed. this act of fraud is hurting my report leaving me unable to file a loan in the near future for a home. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I wrote Prosper Marketplace on XX/XX/2019 via Certified Mail for them to contact XXXX XXXX XXXXf concerning my loan payments. I also told them to it when I answered the phone on XX/XX/XXXX. However they called me from telephone number XXXX three times on XX/XX/XXXX and four times today.
Product: Student loan

I have called three times to request a refund of my student loan payments made during the Covid 19 payment pause. I requested ~ {$6000.00} back on XX/XX/2022 and was told 4-6 weeks. Called back after 6 weeks and was told 6-8 weeks. I have still yet to see a change in my student loan balance updated on their website as of XX/XX/2022.
Product: Debt collection

On my credit report the bank /XXXX/ send me a Charge off. Midland Funding LLC has the same In collection!!!!! How is possible this???
Product: Debt collection

Dear XXXX XXXX, I trust this letter finds you well. I am writing in response to your resolution of complaint ( XXXX ) with the Consumer Financial Protection Bureau dated XX/XX/2024, regarding the matter concerning the alleged debt of XXXX XXXX XXXX purportedly owed to Portfolio Recovery Associates , LLC ( PRA ) in the amount of {$7500.00}, associated with account number ending in XXXX, reportedly acquired from XXXX XXXX XXXX XXXX ( XXXX ). 

Based on the Consumer Financial Protection Bureau resolution response to complaint ( XXXX ) on XX/XX/XXXX, it is my understanding that Portfolio Recovery Associates , LLC ( PRA, LLC ) acquired the purported XXXX XXXX XXXX XXXX ( XXXX ) The XXXX XXXX credit card account, ending in XXXX. This acquisition encompassed the entitlement to collect the outstanding balance associated with said account. Portfolio Recovery Associates , LLC ( PRA, LLC ) procured this specific debt in good faith and in exchange for value, through a single transaction consummated on or about XX/XX/ 2024. 

I appreciate your prompt attention to this matter. However, I wish to make it unequivocally clear that I am XXXX XXXX and that, to my understanding, I have not consented to any business agreement or arrangement with any of the parties referred to in your correspondence dated XX/XX/ 2024. 

I understand that the claims made by you are against a corporate entity and not against myself, XXXX XXXX. 

Thank you for confirming that collection activity has ceased and desisted, as stated in your XX/XX/2024 correspondence. 

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and Conditional Acceptance, along with a full record of accounting and a proof of claim. Please refer to the provided Proof of Claim documentation, which includes : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against XXXX XXXX XXXX ( a sworn affidavit or a hand-signed invoice in accordance with the Uniform Commercial Code ) ; XXXX. A copy of the contract signed ( wet signatures ) by both parties, Portfolio Recovery Associates , LLC ( PRA, LLC ), and XXXX XXXX XXXX XXXX ( XXXX ), thereby binding both parties ; XXXX. A true and certified copy ( not a photocopy ) of the Original Bill of Sale pertinent to the mentioned debt, as well as the requisite assignment agreements and accounting statements. This includes, but is not limited to, all actual accounting and double-entry transactions, representing the flow of funds from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) account ( s ) to XXXX XXXX XXXX ( XXXX ) account ( s ) for the purchase of this specific debt in good faith and in exchange for value, supported by a sworn affidavit under penalty of perjury and with unlimited liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I asked Experian Online, to remove an address - NEVER lived there. 

Experian said to call them. 

I called Experian and told them address was inaccurate. I NEVER lived there. 

Experian told me to call the Credit Card ( XXXX XXXX  ) that is reporting the address. 

XXXX XXXX  was called. They said they are NOT reporting that address. They never had that address on file. 

Experian is simply telling customers to call others and are not investigating issues themselves.
Product: Credit reporting or other personal consumer reports

Formal Dispute and Allegation of Negligence, Possible Fraud, and Extortion
Product: Credit card

I was charged for something i didn't authorized and I disputed at once and the XXXX  card company didn't accept my dispute on the charge and I needed to reopen the case and they closed it again throwing the responsibility on me
Product: Checking or savings account

I received a letter from Truist Bank dated XX/XX/XXXX that an account in my name that I did not create was closed because it was overdrawn. There was a balance due of {$53.00} on that account ( Number XXXX. ) I called on XX/XX/XXXX and talked with XXXX explaining that this was an identity theft situation. He said it would be moved to the Fraud Department and gave me case # XXXX in reference to my situation. He said the Fraud Department would reach out. 
Called on XX/XX/XXXX because I had not heard anything. I talked to XXXX of the fraud department who told me the case had not been picked up and that she would escalate the case. I should receive something in the mail the following week at the earliest. 

I received a letter dated XX/XX/XXXX with a settlement offer for the overdrawn account. 
No notation that I had reported this as a case of stolen identity. 

XX/XX/XXXX I called and asked for the fraud department. I talked with XXXX who seemed confused by the entire issue. We talked from XXXX. She eventually found the case number and said the account was closed and not to worry. XXXX seemed to focus on the idea that the account could no longer engage in transactions so, therefore, cause me no more harm. I explained that I am receiving collection letters on an account I did not set up and that is linked to my data. I do not think she is part of the " fraud department ''. She then told me to take my Truist card to a local branch if I wanted more closure and help with the situation. I told her I do not have a card because I did not set up the account. 

I do not know what else to do to resolve this issue.