23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, On XX/XX/XXXX, I was made aware that my account had been closed without my knowledge. I called your company to pay my balance in full and was told by XXXX XXXX XXXX : XXXX that there was a letter mailed to me notifying me of the closure. I never received any letter or notification. I then tried to confirm which address this was sent to, and was told nothing but excuses and lies. XXXX then said that nyour company uses some kind of database to update your client 's addresses/contact information WITHOUT ever confirming accuracy with your client. Your company then used this inaccurate information, and mailed my personal information to an undisclosed address. 

I have been a loyal card holder since XXXX, I have never made a late payment until this year when the father of my child passed away. I was left to pay for funeral expenses, lost time at work and am now a single mother. After 6 years of NOT ONE missed/late payment, this is how I am treated when I am experiencing hardship. Upon explaining this, and attempting to resolve this issue, I was refused help or any kind of resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that my account is re-opened and any delinquencies I have received be removed from my credit report. I have spent days trying to dispute this issue to no avail. Your company has been negligent in sending my personal information to an unknown address, closing my account without my knowledge and charging me over {$200.00} in fees. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXX & XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX XXXX cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago, in XXXX Equifax, due to their own negligence had a security breach and recommended that we place freezes and alerts on our accounts. Today, my wife ( XXXX XXXX XXXX ) and I XXXX XXXX XXXX, contacted Equifax to have freezes lifted from our accounts so we could proceed with a mortgage application. Equifax informed me, XXXX XXXX, that I never had a freeze on my account despite multiple mortgage lenders saying I do. Further, they insisted my student loans were with XXXX, when in reality I have been with XXXX XXXX since AT LEAST XX/XX/XXXX, today is XX/XX/XXXX. Then they stated they had two different names for me, one XXXX XXXX XXXX one XXXX XXXX XXXX, with both names having different addresses attached to them, despite the SAME SOCIAL SECURITY NUMBER AND BIRTHDATE! 

Then they told my wife, they would not remove the freeze from her account because her name was different since we got married, in XX/XX/XXXX, again it is XX/XX/XXXX. They informed her she would need to submit a marriage certificate and ID, and when asked how they would make the change they stated she would need to include a letter authorizing this. 

They are making us jump through these hoops that THEY PUT IN PLACE because of THEIR NEGLIGENT actions and behavior. I am sick and tired of this credit agency putting our personal information at risk and when we need that information available for us to finally pursue the dream of home ownership for the first time, before our first child is due in XXXX, they are placing obstacles in our way that are not only unnecessary but burdensome as well. 

My wife is 5 months XXXX and does not handle stress well. Her XXXX has reiterated time and again the importance of low-stress environments and situations and Equifax has been completely unreasonable with our requests. We do not feel we have been treated fairly and that Equifax has placed an undue burden on my XXXX  wife with requests that should not be necessary. My wife answered her security questions, and because Equifax, not my wife or myself, but Equifax, because they have not done their part to update their files, they are now causing undue burdens on our family. We demand answers to why they can not process my wife 's request, why Equifax does not update individuals files in regards to things like student loan transfers ( i.e. From XXXX to XXXX ),  why they do not update an individuals name when that name change happened 10 months ago and was filed with the Social Security Administration, and why they have multiple names for one person who clearly has the same social security number and birthday. 

I am appalled that this predatory and deceitful agency is allowed to exist in this country. We demand answers to our questions in a timely manner, along with an apology from Equifax for their continued failures of the consumers they are supposed to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Transunion do certify permissible purpose, which is a violation of title 15 USC 1681b. I gave no person permission to pull my credit report. Dates, time, and persons not recognized are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

I wrote and mailed a certified letter to Experian and XXXX, regarding accounts on my report that are inaccurate. It has been 30 ( plus ) days, since someone signed for the papers, but I have not heard anything. I have duplicates of a debt ( private student loan ) and accounts that were made current, which are negatively affecting my credit. Also, an account that has some missing positive payment history, was not updated on my credit because the bank does n't want to improve my credit score.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Transunion via USPS certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXXXXXX  Court Name : U.S. Bankruptcy Court To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The bankruptcy referenced above is unverifiable. On XX/XX/XXXX, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX ), which showed no record of this bankruptcy. XXXX, a primary source for bankruptcy data, has confirmed that this bankruptcy does not exist in their records. 
Despite receiving all required documents and a detailed explanation of my dispute, XXXX has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 

XXXX inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account was opened in my name on my credit report from great American finance. Was not me and a new inquiry from XXXX bank XXXX XXXX credit was not me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

Hello, capital one has charged unaffordable fees and interest to my credit card making it impossible to pay back.
Product: Credit card or prepaid card

I had received a letter in the mail from US Bank.The letter stated that an application for a credit card using my personal information was received on XX/XX/19.The address on the application was NOT the correct mailing address that I currently use.I tried using the verification number to call and find out what was going on and after being on held for fifteen minutes gave up.I filed a report with my local police department but also want to file a complaint with the proper governmental agency that handles such complaints
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXXXXXX XXXX XXXXXXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Product: Credit card

I have a detailed 6 page document describing how this Fraud took place. I was unaware of it until it was too late. I want to upload this document to CFPB 's Fraud investigation group.
Product: Mortgage

I had a mortgage with XXXX. XXXX is in bankruptcy, and my mortgage payments were set to Auto-Pay through my bank 's ( checking account ) bill pay service automatically remitted to XXXX loan account. These payments continued to be made. After return from vacation I find a statement from XXXX  in my XXXX XXXX , stating that I owe an outrageous amount for non-payment of mortgage for 3 months ( {$1300.00} ) where monthly payments with prior company XXXX were {$450.00}. I never received anything from XXXX, and I never received anything from XXXX XXXX that my account is being transferred or who to contact, where to make payment etc .... All I have is a single piece of mail from XXXX XXXX with a payment slip for {$1300.00} ( versus my monthly fixed amount {$450.00} ). 
As per my understanding of requirements during mortgage service transfer ( 12 CFR 1024.33 ) - 1 - The old company XXXX XXXX - i.e. Transferor of service ) was required to send me a Notice of Transfer no less than 30 days before effective date of the transfer of servicing of the mortgage. 
- 2 - The new company ( XXXX XXXX - i.e. Transferee of service ) shall provide the borrower notice no more than 30 days after effective date of transfer. 
- 3 - Notice of transfer shall include : ( i ) effective date of transfer ; ( ii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEREE of service so that the borrower can obtain answers related to servicing transfer ; ( iii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEROR of service so that the borrower can obtain answers related to servicing transfer ; ( iv ) date on which the TRANSFEROR will cease to accept payments and on which TRANSFEREE will begin accepting payments ; ( v ) Whether the transfer will affect terms, and any actions the borrower must take ; ( vi ) statement that the transfer of servicing does not affect any term or condition of the mortgage loan. 

NONE OF THE ABOVE 3 points and sub-points were completed by either XXXX or XXXX XXXX. All I receive is a slip to pay to XXXX XXXX.
Product: Debt collection

NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$300.00} NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$600.00} I have lived up to my agreement and nothing is owed by me. I understand that the property XXXX, XXXX XXXX, was quite annoyed by the complaint I submitted to her home office about her, but there was no need to engage in a petty attempt at retribution against me and costing NCC to service a fictitious bad debt note. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XXXX/XXXX/XXXX Monthly payments of {$850.00} were due on the first ( 1st ) of each month, and considered late on the sixth ( 6th ) of each month. 
And, as the original lease reads, the monthly rent was a flat {$850.00} XXXX see attached XXXX XXXX XXXX. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complain is about CITIBANK, N.A.Regardin : BEST BUY Radius Reference Number:XXXX Balance:XXXX I paid in XX/XX/2019 the amount of XXXX and that keeps affecting me every time I try to get something for credit so after I pay they send me this letter..
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause severe XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report 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.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 


XXXX - XXXX, please remove this inaccurate.
Product: Payday loan, title loan, or personal loan

I had a line of credit with Capital One since 2005. Ive never had a late payment and I have always paid it down in XXXX every year. this year they waited until I made a large payment, then they changed it to a closed loan that I couldn't draw from again. I was told by Capital One that it would never happen. This really put me in a cash bind and hurt my cash flow for the rest of the year. if they didnt want me to have this line then thats Ok, but to wait until I made a large payment then cut me off, is unethical.
Product: Debt collection

On XX/XX/2023, I received notification by my credit monitoring service with XXXX that an alleged debt by this agency decreased my score.

I was not notified by this company regarding any debt.
Product: Checking or savings account

This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX  XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. 
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. 
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.
Product: Debt collection

This debt was paid in full on  XXXX / XXXX /   17  and is still showing on all  XXXX  major credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX* DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT ED/XXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( XXXX, XXXX, TransUnion ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Act # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Act # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last 4 digits of acct ; XXXX and XXXX