23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My name XXXX XXXX XXXX XXXX, Im music producer and recording artist based in Florida. 
On Thursday XX/XX/XXXX, I whatsapp messaged XXXX ( XXXX ) XXXX a number who I was told represents music label/company called XXXX XXXX XXXX XXXX entertainment is in charge of the international musical artist XXXX I messaged in interest of collaborating XXXX tracks with shenseea and the said number promised that. 
I sent him a few beats and said the XXXX was interested and he also called me on the phone where we discussed further. He sent me a contract to sign pertaining to the projects and told me the fees associated with the projects. Everything totaled to about XXXX. 
He instructed me to send it to a zelle number XXXX XXXX XXXX, which i did. XXXX transactions was made in. XXXX for XXXX XXXX XXXX for XXXX $ and XXXX for XXXX $ of the coarse of XX/XX/XXXX and XX/XX/year>. The registered number is associated with woman named XXXX XXXX and the number is registered in NC. After the last payment the said number stopped replying me. 
It was confirmed that this number is not associated with the actual company XXXX XXXX through the company itself. So it evident this was a scheme/scam. 

I have submitted a claim with Bank of America which seemed to have denied my claim and or not willing to help since they closed my case with mo real information pertaining to why. 

Its unfortunate I got tricked into this scheme but Bank of America should have been able to do more
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit card

XXXX XXXX XXXX Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX Department XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : 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 I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file.

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process.

Thank you for your attention to this matter. 

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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX 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 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 those accounts 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 XXXX XXXXXXXX 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 card

XXXX XXXX XXXX  Credit card expedited to me, WENT to activate it and when I did it already had 2 pending charges on the account.Immediatly called bank of America and told them to close the card. On the site it wouldn't even let me freeze the card.I called I was informed it was froze and closed. Then also got a call the next day from a live person that asked me if I make a new purchase at a grocery store. I TOLD HER I called and was told they closed the card for me because of what Happened the day before. She told me it was not closed and I was once again told TheCard Is Closed now by her.
Product: Mortgage

The mortgage company that handles my home loan ( PennyMac ), is not reporting my account status correctly to any of the credit bureaus. I filed for CHAPTER XXXX BANKRUPTCY in XX/XX/2016. During the process, my attorney and I requested a reaffirmation agreement from PennyMac. They never responded and never requested one be filed. They continued to send monthly billing statements as per usual, so no problem was ever realized. Only after my bankruptcy was discharged, did I come to find out, that PennyMac now reports my loan and " DEROGATORY/CLOSED ''. Both myself and my attorney have reached out to PennyMac, with no positive outcome to come from the communication. I have continued to make my monthly mortgage payments on time. My account is and has been paid up to date.
Product: Credit reporting or other personal consumer reports

I found errors in my credit report, with late payments that contradict my payment history. Kindly fix these and update my account. Much appreciated!
Product: Debt collection

Re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on XX/XX/XXXX. Last year a XXXX XXXX XXXX from company XXXX XXXX XXXX sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for Synchrony. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the Superior Court. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " REVCO '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as I'm 100 % sure it is inaccurate. They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing late when not, misrepresenting the history and not verified
Product: Checking or savings account

Long time Citibank customer. Citibank uses service called XXXX. I was a victim of a fraud scheme thru XXXX for {$900.00}. When I realized was a fraud/scam issue, I immediately called Citibank for assistance and to stop the {$900.00} charge which showed as " pending '' when I accessed my account online. 

After being put on hold for 53 minutes, Citi disconnected my line. I had to call back and start the whole process over again. Finally transferred to the right department only to be told that since this was a XXXX payment, Citi would not cancel the payment, so I'm now out {$900.00}. 

Again, the XXXX service was NOT my choice, but the choice that Citibank established on my account. Now being told Citi has no responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and records from my credit file. As a victim of a data breach, I have identified the following items as fraudulent : 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
Product: Money transfer, virtual currency, or money service

The letter I received from US Bank they will fix my problem but they state on their website they do support XXXX XXXX but from my experience its NOT i spoke with XXXX they state that you can do emails to activate your card electronically US BANK is not following how XXXX attends the functionality is supposed to do with online banking and a other thing I need to add I hate having putting so much passwords on online banking to get my account details and my routing number and I have wasting my time using the functionality it is just a headache and a other thing is when I call in I still need to establish a verbal password I know that XXXX uses it why not you its my account not yours to control.
Product: Student loan

I have my student loans serviced through Navient. My payment started around 600 and then went up to XXXX. I was not notified. When I called to inquire why this took place, they told me that my forbearance ended. I was not aware I was in forbearance. At that point, they did an income driven amount and the new payment would go back to around 600. They placed me in forbearance in order to get " caught up '' with the past fees and payments ; which was capitalized. About 12 months ago, when my forbearance came up, I was under the impression that my payment would return back to around 600. No! My payment was XXXX bucks. At this point very frustrated, but I contacting them again. My income decreased, so they told me that I would qualify for the income driven payment program and said my payment would be around 300 a month. I was told to call back in XX/XX/XXXX to make sure this as approved, because that is when my new payment of XXXX would be due. This inquiry took place XX/XX/XXXX. I just got off the phone and XXXX ( Navient rep ) stated " this was approved in XX/XX/XXXX for XXXX per month, you are 60 days past due. In order to get you caught up again, you need to agree to forbearance so that the XXXX will be capitalized and then just pay a payment of XXXX for XX/XX/XXXX payment and you will be up to date. My payments are now scheduled on the XXXX of each month for the amount of XXXX. I am concerned that they will all of a sudden bump my payment back up without any notification. Plus, the amount that has been capitalized over the life of my loan has been a large amount. I currently now owe XXXX ( I got my XXXX-XX/XX/XXXX ) but ended up out of school with much less debt. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX cancelled my points for non use. They said they could not notify me that I was at risk of losing these, because they did not have an notification agreement on file from me. The total points cancelled was XXXX miles. They cancelled my miles around XX/XX/XXXX, and I just found out about this last week after I called to find out how many miles I had. In addition I flew with XXXX XXXX XX/XX/XXXX, paying for my ticket, so not clear why they would cancel my miles. I am a senior citizen and been a member of this frequent flyer program for decades. 

When I spoke to someone from XXXX XXXX last week they said they would only add XXXX miles back IF I flew with them in the next 6 months. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by XXXX XXXX. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Product: Checking or savings account

I had a customer service experience over the phone with BMO so bad I was wanting my employer to let me go home early and recover and miss my shift. It was so horrible I found the CFPB complaint utterly scathing against the bank. Shortly afterwards I got the letter overnighted to me via XXXX air. It was saying that on XX/XX/2023 I was going to be kicked out of the bank and I need to find new places. This was completely against my will but Ive been having such a terrible experience Ive didnt try to fight it. 


After that experience I just sit back and wait for the check to arrive. The credit union I went to instead of BMO I like much much better and dont even want to go back to BMO Harris Bank XXXX 


Now theyre saying I will probably have to pay a notary to get my money out and go through a Kafkaesque process. 

A good while back my identity got stolen in my accounts cleaned out and Im just not going to repeat that process again.
Product: Credit reporting or other personal consumer reports

I canceled XXXX XXXX XXXXXX/XX/XXXX I moved they keep the bill running to XXXX witch ran by bill up. In XXXX of XXXX a salesman from XXXX  contacted me and stated if I go back they will zero out my bill even though I was sure I didnt owe it as I cancelled I figured I would agree just to get it taken off XXXX meaning XXXX XXXX XXXX did not keep there work I disturbed this XXXX  times threw XXXX I submitted the letter and all proof thinking they would do the right thing they did not now I am filing for a mortgage this is a fair credit violation
Product: Credit card or prepaid card

PLEASE HELP!!! 

CashApp Case # XXXX XXXX My CASHAPP card was stolen and used in two different establishments, on the same day, one after another. 
I reported this theft to CASHAPP immediately. 
I submitted a refund dispute for all three successful charges from both establishments. 

CASHAPP informed me that it would take 10 business days, in which they refunded me two of the three charges.

The two charges were the smaller amounts, but proceeded to wrongfully DENY the third charge, with no reason. 

I appealed it via phone with XXXX XXXX. 

XXXX told me that it would be another 10 days, it has now been well over 20 days, between 1st submission and appeal ; however they still have not refunded me my stolen funds and have been giving me a very difficult time in giving me a status update, as to why they still have not refunded me the third fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.
Product: Mortgage

Midland Mortgage ( MM ) took over my loan XXXX XXXX from XXXX XXXX as I was coming out of forbearance relief. MM did not get me into thier system until o/a XXXX XXXX. On XXXX XXXX I was able to speak to an associate about processing VA loan modification under the CARES act. They have supposedly been working my file since and told me that title cleared on XXXX XXXX and final processing has been started and awaiting final VA approval. I spoke to VA loan technician on the XXXX of XXXX and they have no record of MM transmitting information about my loan modification I need to know what stage we are at in this process and when I can receive proper documentation as MM Mortgage is also sending threatening letters about foreclosure on the XXXX of XXXX due to past due amounts that are supposedly protected under the CARES act.
Product: Debt collection

I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request
Product: Credit card or prepaid card

I have issue with Citi card that has been going one since last year. 
I made a purchase through citicard through a merchandise call XXXX XXXX XXXX. That was for tourism trip to be performed in XX/XX/2020. I canceled the trip and the merchandise refused to pay my money back. I filed dispute through citi and we discovered that the merchandise used my card to book for other people trip. This is fraud I asked citicard help and they were not helpful at all. I file a claim through XXXX wgo advised me to file claim through you. The merchandise clearly through the info provided by Citi card themselves used my card to book for other people. Indeed there was 2 transactions for which I filed dispute for both one was XXXX USD and the other one is XXXX. They accepted the dispute for the first one but not for the second one despite telling them I never authorized the merchandise to use my card for XXXX