23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Action : Late XXXX, called Citizens Bank Loan Servicing Center to have lien release from my HELOC mailed to me. 

Result : Citizens did not mail the lien release. I called 3 additional times to have the lien release mailed. Citizens claims to have mailed it XX/XX/XXXX but it was never received. 

On XX/XX/XXXX, I called Citizens for the fifth time to request the lien release be both emailed and mailed to me because their delay is preventing the sale of my house because of an inability to prove their lien has been released. 

Citizens refused to provide the name of any person that I could use as a contact to ensure that my request would finally be processed.

Citizens ' delay has resulted in a delay in the closing of the sale of my house. As a result, I have not received the sale proceeds resulting in financial hardship. In addition, I am paying more in interest expense on my home equity line of credit because it has not been paid off as early or quickly as it would if Citizens would have correctly processed my request.
Product: Credit reporting or other personal consumer reports

address that does not belong to me is on my credit report and shouldn't be, my current address is only XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Debt collection

I have received XXXX debt collections letters from XXXX XXXX XXXX stating I owe {$2500.00} to XXXX credit. The address they have for me is incorrect, but our mail delivery person knows me and puts it in my mailbox anyway. I do not have a XXXX account, I never have. I have checked my credit reports and they show no debt.There are several hard inquires that I did not authorize or request. After the first letter, I sent a response to the collection company stating I did not authorize or acquire this debt and it was either a mistake or a scam. I would like this company to stop contacting me, and I would like all the hard inquiries on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015 removed for my credit report.
Product: Credit reporting or other personal consumer reports

I opened account with XXXX XXXX XXXX in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account tXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Product: Checking or savings account

Chase Bank charged my account for three overdraft fees totaling {$100.00} when I had enough funds to cover all posted debits, except for one. I think I should be refunded {$68.00} dollars. These transaction occurred on XX/XX/2018. As I review, all debits were covered except for check XXXX, which did not post until the following day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Transunion as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Transunion credit report on collection accounts. Transunion inserted in the comments Account information disputed by consumer.. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Transunion and asked them to remove the comment. I told Transunion that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Transunion themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts, unde r Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

XXXX XXXX owner. I have banked with Chase for 8 years. No warning, no letters, my account was closed and my money in the account frozen ... and my recurring and website batches went into this account ... on The Friday of XXXX XXXX weekend ... during Covid 19 lockdowns ... with XXXX kids in the house and staff not able to get paid. Thats not just mean ... that is disturbing and life altering. 

Im horrified that this was legal, violation is an understatement. How can they do this? I have no rights to my business money during a pandemic? 

Not customer service or branch locations are willing to talk to me and/or give me so much as a reason. 

Nobody will help? What do I do? Chase bank representatives has reached out to me. 

XXXX XXXX XXXX owner
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. 

XXXX XXXX XXXX, XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. 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 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: Debt collection

I wrote a dispute letter to Trident Asset Management to the address reported on my credit report. They have not responded. They have verified the information to the credit bureaus. I thought I was entitled to information? Isn't the FDCPA clear in that regard? Can you please help me?
Product: Credit card or prepaid card

On XX/XX/19 I placed an online order with company XXXX XXXX XXXX XXXX California. This order was for a regularly stocked motorcycle part, and should have shipped within 30 days. This order was placed with a Navy Federal Credit Union credit card. The purchase price was {$1300.00} After receiving no shipping information for over 30 days, I contacted XXXX XXXX on XX/XX/19 via email and did not receive a response. After another email was sent on XX/XX/19, I was told my order would be shipping XX/XX/19. After failed attempts to contact the seller after this date, I canceled my order on XX/XX/19. The owner of XXXX XXXX informed me the refund should be visible on my Navy Federal Credit Card within 2-3 business days. 

No refund was received, and I started the dispute process with Navy Federal Credit Union. I provided copies of emails from the merchant, where he explained in writing my order had been cancelled. A temporary credit was issued by Navy Federal Credit Union. On XX/XX/19 I received a letter from Navy Federal Credit Union informing me that no billing error occurred and I would still be responsible for the charges of {$1300.00}. 

There have been several XXXX complaints filed against XXXX XXXX for similar issues with no resolution from the Company. 

It is unfortunate that Navy Federal has chosen not to protect its members from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Mortgage

When paying off my loan, PNC has processes designed to make it inconvenient for the consumer to pay off the mortgage.

1 ) Payoff can not be completed on-line ( but any other type of payment is allowed ) 2 ) Automatic payments are cancelled without notice to the consumer when the loan balance is less than the monthly payment.

3 ) The last payment for the loan can not be paid via automatic payment and this limitation is not communicated to the consumer at origination.

4 ) The final payment must be a check, cashier 's check, or some other physical form of payment. 

When I called and spoke to XXXX, I asked why normal payment procedures do not apply to the final payment, I was told that it's because that payment does to a different department and triggers the lean release. This is an internal procedure that should not be visible to or impact the consumer in any way. 

I submit that they intentionally discourage paying off the loan to collect more interest.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

When it comes to the following Credit Bureaus [ XXXX, XXXX, Transunion, XXXX and XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to request an update to my personal information on file. I believe that the information currently recorded is incorrect, and I would like to ensure that my records reflect my accurate details for effective communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and contacted Equifax, XXXX to the unknown XXXX hard inquiries that was on my report, and everything was said to be deleted from my credit file rechecked credit file and XXXX inquiries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these companies can not show proof that I applied for credit with my signature with an application to their company this must be removed from my credit. This is violating my rights as a consumer, and I am having hardship with these inquires. on my report
Product: Payday loan, title loan, or personal loan

I applied and received a line of credit with Citizens bank. The closing took place on-line. I did not receive a copy of the contract at that time. The agreed interest rate was 4.25 %. The rate increased monthly to 7.5 % in less than four months. This clause was not explained to me. and still hasn't. The clause is very hard to understand without some sort of explanation.
Product: Debt collection

Subject : Request for Immediate Removal of Collection Entry Dear Absolute Resolutions Investments , LLC, I am writing to follow up on my previous correspondence and to request the immediate removal of the collection entry from my consumer credit report. While I appreciate your attention to my complaint, there are several critical issues that remain unresolved. 

1. Debt Validation : Although you mentioned that validation was provided through your attorney at XXXX XXXX XXXX XXXX, I have not received any such documentation. Please provide proof that these documents were sent to me, including a copy of the cover letter, the documents, and proof of mailing. 

2. Required Disclosures : You stated that the required credit reporting disclosures were sent on XXXX XXXX, 2024. I have not received these disclosures. Kindly provide a copy of the documents and proof of mailing to verify compliance. 

3. Detailed Debt Information : The detailed validation of the debt, as initially requested, is still missing. I request the following : The sale agreement between XXXX XXXX  XXXX. and XXXX. 
Documentation confirming the calculation of the account balance. 

4. Compliance with Regulations : Your response indicates that the account was first reported on XXXX XXXX, 2024. As I have not received the required disclosures, this appears to be non-compliant with 12 CFR 1006.34 and other applicable regulations. Please provide evidence of compliance with these requirements. 

5. Proof of Notification : I request a copy of the certified mail receipt or any other proof indicating that I was properly notified of this debt, including my name and signature if applicable. 

Request for Removal : Given XXXX failure to provide proper debt validation and required disclosures, I kindly request that XXXX remove the collection entry from my consumer report immediately. The reporting of this account without the necessary documentation and compliance with 12 CFR 1006.34 and 15 USC 1681s-2 ( a ) is unlawful. 

I believe in resolving this matter amicably and trust that you will address these issues promptly. If the collection entry is not removed within XXXX days from the date of this letter, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Demand for Deletion of Inaccurate Information and Compensation under the FCRA To Whom It May Concern, On XX/XX/XXXX, I mailed you a letter disputing certain information contained in my consumer report, which was compiled, maintained, and published by your agency. This dispute concerned the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into the disputed information and delete any inaccuracies within 30 days of receiving my dispute. 

Willfully Noncompliance is a FCRA Violation. Not to delete the disputed information and to conduct a reasonable investigation of my dispute is a Violation under the FCRA. There is no valid reason under the FCRA for you to refuse to reinvestigate my dispute. 
Nor have made any determination that my dispute was frivolous or irrelevant, nor have you sent me any notice of such determination, as required by the FCRA. Only that there was an investigation and that You meet FCRA requirements? Your failure to Produce Any Documentation That I Requested leaves no doubt that No Proof Of Debt means not Debt Exists! 

Furthermore, As a result I continue to directly dispute the completeness and/or accuracy of the information contained in my consumer file. Your failure to reinvestigate the matter constitutes an intentional and negligent violation of the FCRA. ( see attachment ) As a result of your conduct, I demand that you promptly delete the disputed information from my consumer report. 

Additionally, You have Continued to Violate many Statues as per the FCRA, 15 U.S.C. 1681n you are liable for damages due to your conduct. Therefore, I also demand that you issue a check in the amount of {$1000.00}, payable to the order of XXXX XXXX XXXX as compensation. 

Please be advised that as I said in my previous letter I am dealing with Medical Problems that Require me to utilize my Credit Worthiness. This is not another dispute or an opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

You are required Within 14 days of receiving this letter to XXXX. ) Delete the disputed information from my consumer report. 
XXXX. ) Send me an updated copy of my consumer file. 
XXXX. ) Send my {$1000.00} check to my mailing address listed above. Failure to comply with these demands will leave me with no choice but to consider further legal action to enforce my rights under the FCRA. 


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

Sign up on experian website for all three reports and score and was denied...
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, Cash App 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This is an extremely condensed version of the past 8+ months. I sent the required documents to the loan officer on XX/XX/XXXX with an estimated date of closing stated to be XXXX. Months of excuses esp related to covid, repeated requests for the same information, staff turnover, requests for repairs made after the appraisal ( esp when we have 2/3 the equity in the home ), multiple fees charged for return of appraiser to see these repairs, multiple new closing dates given and general mistakes made the closing and funding happen today ( XX/XX/XXXX ). I just received a frantic call and txt from my loan officer saying they want a copy of our solar loan or they will de-fund the loan. After 8+ months this seems a complete abuse of my rights. It has been 8+ months of jumping through hoops daily for every little request to be threatened to de-fund after funding has occurred. 
In addition, I was sent a loan estimate saying my appraisal for this 1400 sp ft house would be {$500.00}. I was sent a blank form to put my credit card info on for this appraisal and I filled in a max of {$600.00} but was charged {$650.00} without my consent. In addition I was charged {$100.00}, and {$150.00} for the return of the appraiser, plus {$250.00} for a roof inspector to come out and say the roof was sound for a total of {$1100.00} to appraise a house I own 2/3 equity in. My loan estimate from XX/XX/XXXX states a {$100.00} lender credit ( not the promised {$500.00} verbal promise, but, that was even removed on the final documents ). I was told I could not use a family member for my notary when the estimate says " items I can shop for '' include a notary. This company has horrible XXXX reviews for similar behaviors which unfortunately I did not review prior to using them and the constant promise of closing kept me on the line. I feel strongly they should be investigated as this process took years off my life and I don't wish this to happen to anyone else. 
Lend Plus, Tri-Emerald Financial Group Inc and XXXX XXXX was my loan officer. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.