23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage application process for Citizens Bank took 5 1/2 months when we were told it would take 90-120 days. We had to resubmit the same documents multiple times make multiple phone calls and send many e-mails. I would provide documents requested, and then they would ask for something else. It felt like they were deliberately delaying the process. The only reason they provided was backlog due to COVID. However, when I called their loan application line in XXXX to check on what they were offering, I was told it would take 60-100 days, and they did not tell me I could not do a cash-out refinance at that time even though ( according to loan officer supervisor ) the restrictions were still in effect. Then we were denied XX/XX/XXXX. The denial states " we do not grant credit under terms requested ''. When loan officer supervisor finally returned our call XX/XX/XXXX, he told us that due to COVID related guidelines implemented in 'the summer ' ( he would not provide date when questioned, since we applied XX/XX/XXXX ), XXXX XXXX does not allow a cash-out refinance of a vacation property that doesn't already have a current mortgage. He said the restrictions were supposed to be lifted in XXXX and weren't, and then they thought they would be lifted in XXXX and they weren't. None of this was communicated to us. We could have pursued other options. We currently own our vacation home outright ( {$230000.00} appraisal ) and and applied for {$150000.00} cash-out mortgage to pay off mortgage ( from different bank ) on primary residence ( value about {$300000.00} ). We have no other outstanding debt, we both have credit scores of XXXX, a combined six figure income, and {$500000.00} in additional assets. I feel the bank misled us, stringing us along hoping to be able to offer us a mortgage if/when the restrictions were lifted. And now we are out 6 months of extra interest payments ( approximately {$1300.00} ) because we will need to start the process again with a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Credit reporting

I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. Phoenix Financial Services, LLC listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the 2015 legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I'm having trouble receiving a replacement card because the company ships the card in a box, not in an envelope like all other financial institutions. I can not receive any mail in a box at my address. 

The company refuses to ship my card in an envelope or take an alternate address where they can ship the card. They require me to completely change the address on the account. 

The XXXX XXXX XXXX  REFUSE to allow me to speak with a supervisor with the authority and clout to help me solve this issue. 

They promise to submit a request to have someone call me back within XXXX  days. But, the call back never comes. It is unreasonable to schedule a call back for an unknown time and then expect customers to be available only when they're available. 

Apple Card is XXXX of the worst in the industry for customer service because they refuse to help customers with complex issues. If a customer 's issue doesn't fall in a category on the customer service representative 's drop down menu on their computer screen, they refuse to help the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED
Product: Checking or savings account

Date XX/XX/2018 Substitute Check First Check on Business Account, Account Now Negative with Overdraft Fees.
Product: Checking or savings account

My XXXX account was opened on or about XX/XX/2019. I was supposed to receive a {$50.00} promotion for meeting the terms within 60 days. I met the terms and the {$50.00} was due on XX/XX/19. However to date, the funds have yet to be credited to my account. I have contacted Wells Fargo on over 5 occasions and was advised it would be credited no later than XX/XX/19 but still have not received the funds as of XX/XX/19.
Product: Credit reporting or other personal consumer reports

Please be advised that serious violations of the Fair Credit Reporting Act ( FCRA ) have occurred. My fundamental right to privacy has been violated by the furnishing of information to consumer reporting agencies without proper consent. Furthermore, the information furnished is inaccurate. 

This action violates multiple provisions of the FCRA, including 15 U.S.C. 1681 Sections 602 ( a ), 604 ( a ) ( 2 ), 1681c ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ). 

I demand the immediate removal of the inaccurate and unlawfully furnished account information from all consumer reports. 

The Consumer Financial Protection Bureau ( CFPB ) is requested to publish a description of these violations on consumerfinance.gov to protect consumer rights. 

Supporting documentation is attached. Failure to rectify these violations will result in further legal action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX i got a XXXX XXXX  on my account but at that time i did not have a card i went to order a card but bank of america said they could not send me out a new card until my account was not in the negitive no moie. from XXXX thru anout end of XXXX i have not had a XXXX card when the negitive was finallyvpaid off i recieved the card in the mail and i was negitive XXXX then was made a complaint about that and they credit me back XXXX but on the same day they took the money back now they said it was a bank error so i never recieved the XXXX for XX/XX/XXXX and never revieved the XXXX they keep taking back im just getting the run around Card number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XXXX XXXX
Product: Student loan

Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Yesterday ( XXXX/XXXX/16 ), at around XXXX and XXXX, I received a call regarding a debt owed by a " XXXX '' which is not my name. Both calls went to voicemail without a message left, and I immediately called back after the XXXX call. The individual who answered became argumentative, and I hung up. Today ( XXXX/XXXX/16 ) at XXXX I received a call from a number XXXX again in regards to a debt owed by " XXXX. '' Once again, I had to tell these people that I am not XXXX and to remove my number from their database. At this point, I am not sure if this company is legitimate or a scam operation.
Product: Money transfer, virtual currency, or money service

Respected Sir/Madam I Send the the money to my brother XXXX XXXX he live in XXXX the money transfer company name ( Remitly money Transfer ) they said that payment is transfer to my brother account but they lie to us also they did not give the proof of the transfer to his account i already send them my brother bank statement to Remitly transfer company then they decided to locate the money but since XXXX XXXX to XXXX they did not send me any confirmation to me and also not my brother. my brother go to the bank and talk with the bank employee and bank employee said that there is no money come from this money transfer company at all. Remitly transfer company give me the reference no ( XXXX ) and they also give me the ( UTN # XXXX ) but bank in XXXX track those numbers they did not received any money so amount is {$650.00} and the fee is {$1.00} they took that amount from my account from XXXX XXXX now they did not retun that money to me please follow up with them and update me and ask them to send the money back to my account. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm disputing the imfor.atio. for this debt collection agency. 
Discover bank # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Using the law through code 15usc1692cc Clearly states - if a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communication I need this to stop now please.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX XXXX on XX/XX/year>, and discovered multiple inaccuracies across XXXX, XXXX, and TransUnion. I disputed these errors, but the credit bureaus failed to properly investigate and correct them, violating FCRA 1681i.

The following issues were identified on my credit report : My reports contain unauthorized variations of my name, address, and date of birth, which remain uncorrected despite formal disputes. My report includes inquiries without proof of permissible purpose, violating FCRA 1681b. These include : XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Accounts such as XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXX are inaccurately reported with mismatched account numbers, balances, and statuses across bureaus, violating XXXX XXXX compliance standards. The credit bureaus failed to provide verification or supporting documentation from furnishers and continue to report inaccurate and unverifiable information.
Product: Debt collection

While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.
Product: Mortgage

It is regarding Community Loan servicing First my investment home mortgage was with Home point, they sold to Community servicing. we set up Autopay with Community loan servicing from my Bank for my mortgage on XX/XX/XXXX, I received a notification letter that the autopay was setup on XX/XX/XXXX, since i received the communication about autopay i didn't check my account. I applied for refinancing of my primary home on XX/XX/XXXX and i found out that my credit score dropped significantly about 160 pts because of 2 missed mortgage payments for Community loan servicing. I called the Community loan service and was able to talk to Escalation dept as i didnot recieve any notice, who told me that my autopay was cancelled and a letter was sent to my address which i got on XX/XX/XXXX, on the letter it was dated XX/XX/XXXX. I am not at fault and Community service reported to Credit Bureau and caused my score to drop 150pts. because of their negligence i am going through mental stress as many of my projects that need loan are on hold. I requested them and they told me that credit score will be corrected in 2 days, but didnot happen yet.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their failure to address and investigate inaccuracies in reporting on my TransUnion and XXXX credit reports. On XX/XX/year>, I sent a dispute letter to XXXX XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my TransUnion and XXXX credit reports. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time for the past two years according to my payment history across all three credit bureaus, XXXX XXXX has failed to update the reporting on my TransUnion and XXXX credit reports accordingly. 

In my dispute letter, I specifically requested XXXX XXXX to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX. 

Their refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX Avant 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX accountable for their failure to investigate and correct the inaccuracies in reporting on my TransUnion and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Credit reporting

I am disputing a recurring charge from XXXX ( Experian ). I only signed up for a trial. It was not made clear that this would be a recurring charge. I have requested a review of the account. It is clear I have not logged on or used the service since the initial trial period. Experian is taking advantage of fine print and taking advantage of consumers. Please help stop this predatory practice.
Product: Debt collection

Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.