23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was searching for a loan online and received an email from a XXXX XXXX XXXX claiming to be a Citi Bank Financial represenative. He said my loan was approved but because my credit score was low I had to pay the first installment so I purchased a green dot prepaid card and paid the fee soon after that I did not receive the loan. He then said the FDC was holding it because I owe taxes and that was what the loan was originally for. I then contacted the fdic and fdc.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent account. The bank have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent account, which have erroneously remained on my report for over five years. However, this fraudulent account persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the requisite documents. 

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

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.
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, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

Indigo credit card Spring Oaks capital Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
Product: Credit card or prepaid card

I purchased an item at Sears and paid with a Sears credit card. The item was returned and Sears came and picked up the item. But they are not processing the refund on the credit card and keep sending bills for the charges and adding fees and interest. I have called Sears credit card many times for 4+ months and they are not resolving the issue and keep sending bills. They often hang up during dispute calls and many times when I call, they don't have records of my previous calls or records of their promises to refund the charges. I am afraid that this will affect my credit if I don't pay the bill.
Product: Debt collection

I received a letter in the mail from Tri-State Adjustments stating I owe {$300.00} plus fees of {$30.00} to total {$330.00} to XXXX XXXX XXXX. # XXXX the spelling of the school is incorrect. # XXXX I spoke with the XXXX XXXXXXXX XXXX and said this was a scam and that I did not have anything owed to the school. The Reference # is XXXX. 
Thank you for your help!
Product: Mortgage

In XX/XX/year>, I applied for the USDA 's mortgage recovery advance through Carrington Mortgage Services ( which holds my home loan ) which allows the payments i couldn't make while on COVID-19 plan to be added as a lien to the end of my loan term, due in XXXX. In XXXX, my application was processed and accepted. In XXXX, Carrington first sent the documents with instructions, which we signed and had notarized at my bank, in their entirety, and were sent back via the XXXX  label provided. A couple weeks later, they said that the notary forgot to initial a correction on XXXX of the forms. They sent the docs out again, we had them notarized and signed in front of the notary again, for a second time, and sent them back via XXXX. Same thing, but this time they said we forgot to sign XXXX of the forms, which is literally not possible. There were only XXXX sheets. SO we signed them again with the notary, XXXX  them back... and then they called to say they not only can not see a signature, but that they messed up and shouldn't have included my mother 's name on the promissory note form. This time, they said they would schedule a notary to be sent to us, who would also mail the forms back directly to ensure that they are done correctly. Now, several phone conversations later, I get a notary from Ohio that contacts me and says that they gave her a Ohio address, but my phone number. Meanwhile, live in Washington and have never lived in Ohio, my home is Washington, and my loan is under my home address in Washington. I have countless phone conversations with them, am given different information every time I call. I have requested to speak to a supervisor numerous times and they refuse to let me. I have missed hours of work to have these documents notarized and sent back time and time again. I feel like they are intentionally doing this so that they can try to foreclose on my home. I am set to resume payments under this plan, on XX/XX/XXXX. I have all our email correspondence, phone records, etc to support this. In addition, from the very get go, Carrington was holding onto my mortgage payments for over a week at a time to accumulate late charges, and would report to the credit agencies almost as an intimidation tactic. Finally, I would like an outside source to verify that the documents are correct and are not taking away my rights under the USDA loan, because Carrington has included verbiage in my documents that any changes or modifications to the loan would be allowed so that Carrington can sell it at any time to another bank. They are forcing me to sign this as a part of the documents for my mortgage recovery advance.
Product: Credit reporting or other personal consumer reports

On and for the record, the debt owed to XXXX  XXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my XXXX filing on XX/XX/year> as well as XXXX XXXX receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXX XXXX 'S account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via 1099A, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page XXXX of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that XXXX be asserted against the person who granted the security interest, the person entitled to enforce the instrument XXXX assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX XXXX not exercise any further rights under the Instrument ( s ) in question.

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property
Product: Checking or savings account

1. On XX/XX/XXXX I sent a wire transfer -- XXXX Euros. The bank charged my account {$35000.00} USD for this transaction. 
2. On XX/XX/XXXX, the wire transfer was returned and my account was refunded {$33000.00} USD. That is a difference of {$1200.00}. 
3. On XX/XX/XXXX, the local branch forwarded the dispute to the research department. 
4. On XX/XX/XXXX, the case was forwarded again. I was told that the local branch marked the dispute as confidential and the research department could not read it. 
5. On XX/XX/XXXX, I contacted Customer Support and was told that the agent assigned was XXXX. 
6. On XXXX, XXXX I received an email and was told that the agent assigned was XXXX . 
7. On XXXX XXXX, I spoke with someone in the Executive Office and was told that there was nothing that they could do. I requested confirmation of exactly how many Euros were returned. I was told to visit the branch office for that information. At that time, I initiated another complaint. 
8. On XXXX XXXX, I received an email that the case manager is XXXX.
Product: Mortgage

Fay Servicing iscthe mortgage company. In XX/XX/year> was placed on a modification that was not agreed upon, with twice the interest rate and told this was the only option. When I could not make the payment they started pre-forclosure. I came up with enough to pay three months but not for the remaining 2 months owed so then they immediately put me on another modification I did not sign or agree to that was 3 times the amount of what my payments are, which I couldn't do. They moved to foreclosure process only offering short sale option that I don't qualify for. I asked several times about completing an application for possible forbearance review but they would not even consider it. They have never asked for inco me verification, expenses or any review to determine if I would qualify. They only offered short sale or bringing mortgage current other than selling my home. Says there's no retention offers available. When I go into my account to see any notices or correspondence it only says no messages and won't allow me to obtain information about the loan.
Product: Credit card

I had a Discover card account open under my name which was closed, and the real account was also compromised with charges being made that were not mine, Discover initially investigated and set up a new account for me but a year later I was charged for a item from the prior account after I had notified them that some charges that they had removed were actually mine they kind it would be a matter of a few days until it was rectified, and I would receive a credit and my account balance would be corrected. I was also informed that it would not be reported as late or delinquent to the credit bureau yet I see it reported on my credit record. I notified them and ask them to rectify this and as of yet it has not been. Its been more than two months since Ive been working with them, and each time I call, I am giving different explanations in different timelines. Please assist in this matter again this is a long term repercussion after identity theft and I feel frustrated and trying to resolve this on my own with such results.
Product: Credit card

In XXXX of 2016 I purchased a XXXX from XXXX that used to be on display and was marked down. I purchased it from them for around {$600.00}. After about a month I returned the item to the store and received a return receipt. In XXXX XXXX I was reviewing my account when I noticed that the charge for the XXXX had yet to be credited to my account. I contacted Citi Retail Services and Disputed the Charge. On XXXX XXXX I received a letter from them ( Enclosed ) stating they were going to award me credit for the charge in the amount of {$570.00}, and in the mail the week after I received the award letter I received an updated account statement showing the credit had been removed. My account balance at the time was somewhere around {$1400.00}. After waiting for 2 weeks my account balance had not changed. I contacted Customer Service and spoke with an associate. They stated they had already credited me the balance stated in the letter, but could not remove it from my current balance because they had already updated the statement from XXXX. This confused me mainly because when someone is given credit it typically means they have the amount deducted from their accounts, not just have a previous statement edited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have XXXX paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.
Product: Checking or savings account

On XX/XX/XXXX I deposited my tax return paper check for the year of XXXX into my own bank account. 3 days later my account is on hold and I can even use the funds on my account. This is the 3rd time that I have to prove where the funds are coming from and why and this is the 3rd time Im completely shut out of my account. It said us treasury on the check. Its my account so I do not understand. The second time was for a check from a XXXX XXXX  I had. They threatened to close my account and my lawyer for the XXXX XXXX had to call the branch personally. Now they want my XXXX for that year and all I can get is the transcript Im so frustrated because I no longer have access to the email I had filed with. I need my money Ive jumped through hoops and hurdles for my tax return for XXXX and theyre also holding my money that was already on there and Im about to be homeless because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX XXXX $ ) This was a fraudulent account. I do not have XXXX,  this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.
Product: Checking or savings account

This is a follow-up to a complaint I filed on XX/XX/2020 regarding a fraudulent cashier 's check that was deposited in my checking account with Bank of America. Since reporting this incident to the FBI and CFPB, as well as the SEC and FDIC and Bank of America, there have been retaliatory measures taken against me by Bank of America employees, namely in the Recall Department and the Fraud unit, which include : 1. Freezing my accounts twice on a Friday, leaving me without access to any funds and unable to use my debit card and checks. 
2. Closing my new savings and checking accounts this Friday, XX/XX/XXXX, accounts that had nothing to do with the fraud. 
3. Refusing to respond to my phone calls when I call 4. Forwarding my call to various departments before I am finally directed to the appropriate one. 
5. Refusing to conduct a fair and impartial investigation into the fraud 6. Faulting me numerous times for the crime. 
7. Closing the checking account involved in the fraud after I told them I was going to pursue the matter. 
8. Closing my new accounts that weren't involved in the fraud without notifying me.
Product: Vehicle loan or lease

I have made 4 requests to XXXX XXXX ( XXXX ) in regards to canceling the service plan for R.O.A.D IN TIRE in the amount of {$1400.00}. I have also requested this to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) who directed me to XXXX XXXX and CC 'D his supervisor XXXX XXXX ( XXXX ) who has also not responded to this request. 



I noticed they have been receiving my e-mails based on the read-receipts that I requested. I specifically asked that they communicate with me via e-mail as it is my preferred method and will avoid future misunderstandings..
Product: Credit card or prepaid card

On XX/XX/XXXX I woke to a text by Chase Bank about potentially fraudulent activity on my credit card. Upon checking my statement I noticed 2 charges in XXXX on my account statement, XXXX ( uploaded document ) XX/XX/XXXX & XXXX XXXX XXXX TX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX I live in XXXX XXXX but I was vacationing in New York, which is evident in XXXX XXXX in XXXX leading up to XX/XX/XXXX, including a legitimate purchase I made at XXXX in New York that same morning, below : XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX XXXX have also attached my flight info demonstrating that I was in New York XXXX XX/XX/XXXX to XX/XX/XXXX. Supporting this, several legitimate purchases I made in New York leading up to XX/XX/XXXX are shown in this same credit card statement attached. Please note that the only charge listed in Texas after XX/XX/XXXX was XX/XX/XXXX & XXXX XXXX XXXX TX XXXX, where I paid a toll for my car online. 

I spoke with Chase on XX/XX/XXXX, where Chase insisted that those charges in XXXX, TX could not be fraudulent and that they must have been made with a physical credit card. I informed the employee that I had my card with me during my entire trip in New York, and this is evident by the purchases I made described above, the flight information, and it is physically impossible for me to have both made the ( legitimate ) XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX purchase in New York the same morning the fraudulent charges in XXXX were XXXX. 

Despite this aforementioned evidence, I received a notice on XX/XX/XXXX that states for both fraudulent transactions, " You are responsible for the following transaction ( s ) '' with the explanation being " You received benefit from this transaction. '' I have been a loyal Chase customer for several years, never missing a payment, and my first time being a victim of fraud Chase accuses me of benefitting. I am requesting an apology and my money back for these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a loan that shows it has been charged off on my Equifax credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed. 
Summary of Errors and Discrepancies : Late Payments Reported Incorrectly : Late payments were inaccurately reported for XXXXXXXX XXXX XXXX XXXXXXXX account, despite timely payments being made. 
Failure to XXXX XXXX : Experian failed to properly investigate and verify the accuracy of the reported information as mandated by 15 U.S. Code 1681i. 
Discrepancies XXXX XXXX : The payment history and account details vary significantly between credit bureaus, indicating a lack of consistency and accuracy in the information being reported. 
Violation of Notification Requirements : As per 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. There is no evidence that such statements were provided for the periods in question.

Harm to Creditworthiness : These errors have caused undue harm to my credit score and overall creditworthiness.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in escalation, including filing additional complaints with relevant agencies and pursuing legal action if necessary. 
Sincerely, XXXX XXXX XXXX