23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018 I discovered unauthorized debit of XXXX USD 3 times for a total of XXXX USD from my checking account. I contacted Citibank same day to notify them of the fraud. Representative took the information and informed me they will issue me a new card and that I'm not liable of the unauthorized transaction as well within 10 days I should receive a temporary credit of the missing funds. 
Within perhaps 1 to 3 hours after filing notice of the missing funds I receive a notice via email of the account being closed and that I have 30 days to remove any funds I have as the checking account will be closed!! My money gets stolen and even before any investigation on their part I get notice they are closing my account all together!! I opened the account few weeks before to take an advantage of their promo if you open new account and deposit XXXX USD and maintain it for 60 days you will receive XXXX USD. That obviously never happened as they simply kicked me out for reporting missing funds!! I did not care that they dont want me as their customer but on XX/XX/XXXX I received a notice of their investigation that since my card and pin was used they will not issue me a credit back for the missing funds! I have no idea how someone obtain my pin or used my card ( since I never received their original debit card, only the replacement ). Horrible practice, abuse of power, to close an account even before any investigation is a strong indication of profit before service and care for customer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX {$840.00} XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.
Product: Mortgage

Please refer to CPFB complain XXXX, The resolutions provided that I agreed on the {$500.00} to resolve the dispute and complaint was closed. The chase bank is falsely trying to portrait the information. 

I never agreed to {$500.00} to resolve this dispute. This was forced to me because i did not have any choice at last minute if i could not have proceeded with the closure there suppose to be huge penalty from builder with {$500.00} per day. Also this suppose to be sent within 7 days of closure but was not sent until i raise this complaint and was sent after 2 month of closure. Also the realtor contribution was known to both loan processing officer and loan officer so why they have given me false commitment despite knowing this is not possible and despite i asked for clarification 20 days before loan closure. Your loan officers has processed XXXX of loan and how they can mislead/misguide to customer? Chase has purposefully hide this information so i don't shop for another mortgage in marker. This is completely fraud practice. What about the time I wasted two days in closing office? This was a force closure because your officers lead me to this situations. I need full amount which was agreed and compensation for time loss. 

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

PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX  to correct my credit reporting for the BIG 4 including XXXX, XXXX and XXXX as promised. I was told once my modification was completed all of my negative reporting would be cleared up as ok. 

I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB XXXX XXXX XXXX. 

XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. 

I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and (  XXXX )   XXXX. Also, I am over 60 days late for ( XXXX )   XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. 

In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX XXXX Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. 
Finally, XXXX has had a history of this behavior with their customers. How they are allowed to be in business is a mystery because they dont seem to care. 

OTHER EVIDENCE : 1. XXXX XXXX  XXXX from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 
2. Emails with XXXX 3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 
4. Credit reporting from XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XXXX and 30 days late from XXXX. They are reporting no derogatory information on Transunion and 90 days late from XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Product: Credit reporting or other personal consumer reports

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

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I heard on the news today about the agreement with Wells Fargo. I am one of those consumers who tried for many, many years to get a loan modification with ASC and they kept giving me the run around. 

I lost my home to foreclosure in 2021 and would like to know if there is any recourse.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

SANTANDER CONSUMER USA Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Product: Credit card or prepaid card

I have made all my payments on time and even made a very big payment on my account last week. I got an email yesterday that my account was closed because of no real estate or revolving accounts on my credit. This card is the last one that I have gotten. I had all of the revolving accounts that they say are on my credit when my card with Synchrony was approved in XXXX. I have never missed a payment or been late. I can't even get into the account now to prove my payment history but I can pull bank statements. I tried calling them and the supervisor laughed when I told her about it being closed and said that they can close accounts if they want. I told her it is really sad that you close accounts in good standing. The account was opened in XX/XX/XXXX and payments were as follows : XX/XX/XXXX {$100.00}, XXXX {$100.00}, XXXX {$120.00}, XXXX {$140.00}, XX/XX/XXXX {$140.00}, XXXX {$140.00}, and XX/XX/XXXX {$500.00}. The card was closed and cancelled by Synchrony on XX/XX/XXXX.
Product: Debt collection

XX/XX/2016 {$1200.00} i spoke with the fraud department, no results or response
Product: Credit reporting or other personal consumer reports

Transunion has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 30 days and I have heard no response in regards to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity services has two fraudulent accounts appearing on my clarity services report. There is a charged off XXXX acct and a charged off XXXX Account, charged off XXXX  acct. I filed bankruptcy XX/XX/2021 this was discharged XX/XX/2021. These accounts were also included because of the identity theft. Yet clarity services is attempting to show these as charge offs and trying to collect on the Accts. These accounts arent collectible as they were discharged. Its illegal to continue to falsely report these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

ADP sent a check which for some reason they said was an excess disbursement which is not true as I do not have any other 401K 's. ( See check reference below ) And now the money is missing. I did not request a {$22000.00} disbursement. The gross amount was in excess of {$22000.00}. 

Reference Number Date Net Amount Reason Status XXXX XX/XX/2024 {$19000.00} EXCESS DEFERRAL STOPPED XX/XX/2024
Product: Mortgage

On XXXX/XXXX/15 NationStar sold our XXXX loan. They will not tell me anything about it. I just saw in my online account there was a non cash adjustment for the amount of the loan. I tried to make a payment and I ca n't. They wo n't tell me even why I ca n't make a payment. My son an accountant told me it was sold. It was sold on XXXX/XXXX/15. I have no information as to who bought the loan and where I need to make a payment. This account has been frozen by Nationstar due to them buying it from XXXX XXXX XXXX and not getting the modification papers. I sent them 4 times. Someone finally found them so I know they had them. They sent back payments when we tried to pay the loan payment. The said to make a payment XXXX XXXX. We tried and they would n't take a payment. Now I find out why, they do n't have the loan to pay. ( I have a letter from Nationstar telling us to make the XXXX XXXX 2015 payment ) I need to know who has the loan and where to send payment.
Product: Credit card or prepaid card

I purchased a new laptop from a company ( " XXXX '' ) for {$260.00} on the XXXX of XX/XX/XXXX. This laptop was sent to me with a significant flaw, and was " significantly not as described ''. I attempted to send the item to XXXX for repair or return, and was denied.

As a result, I had to resort to filing a dispute with Paypal/Paypal Credit/Synchony XXXX XX/XX/XXXX. Paypal/Paypal Credit/Synchrony have been repeatedly denying this dispute based on absolutely nothing, taking months to reply to even basic emails.

I filed a XXXX  complaint about Paypal/Paypal Credit/Synchrony 's behavior on XX/XX/XXXX. They replied to my complaint without actually acknowledging any of the facts of this case, and did not attempt any resolution. 

I have attached the XXXX emails, XXXX  complaint, and an example response from Paypal/Paypal Credit/Synchony about a chargeback .
Product: Payday loan, title loan, or personal loan

I applied for a loan with LoanPal for a solar system purchased through XXXX XXXX and contracted through XXXX  XXXX. The terms of the loan included the provision that the loan would not originate until I certified that the system had been completed. The first payment would be two months after the system came on line. They originated the loan on XX/XX/2021 over two months before construction had been completed. They have already started taking money from my account and the system has not yet produced even 1 watt of power.
Product: Mortgage

In XX/XX/XXXX, Pennymac mortgage cancelled the homeowners insurance with XXXX XXXX  a XXXX company. Pennymac never contacted me regarding the insurance cancellation, I did receive a letter from Pennymac stating that my escrow accout needed additional funds and that my mortgage would increase from {$1800.00} to {$2000.00}, I sent three payments of XXXX, each to satisfy the deficiency and those payments were misapplied. I found that out as I received a letter from Pennymac stating that my next mortgage payment would be {$6400.00}. 
When I called to inquire, I was told by the CSR that I didn't have homeowners insurance, that was XXXX of XXXX, at that time, I hadn't had coverage for more than 6 months. 
I began investigating and discovered that Pennymac sent a check for insurance for my property to XXXX in the amount of XXXX. The annual premium that I had with XXXX was {$1100.00}. The check for the premium that was sent to XXXX by Pennymac was returned in XXXX by XXXX. Pennymac never contacted me to inform me that they accidentally or in error caused the insurance on my property to be cancelled. 
When I finally got someone from Pennymac to respond, I was being charged almost 4000.00 for an annual premium and forced by Pennymac to pay for it. I have since then covered by property, but Pennymac refuses to respond to my letters or reimburse me for not being covered.
Product: Credit card or prepaid card

We use XXXX, a third-party servicers that interfaces with our XXXX XXXX XXXX XXXX XXXX XXXX to help save for our daughter 's college. On the XXXX website, Barclays routinely markets a cash back reward XXXX which earns 1.529 % into the XXXX account " if your XXXX XXXX account is linked to an eligible College Savings Plan ''. 

In XXXX 2023 we applied and were approved for the Barclays XXXX and promptly began to use the card for the cash back rewards into the college savings program. We ONLY signed up for the card to earn the advertised cash back of 1.59 %. 

In XXXX we noticed that the cash back earning rate reflected on my app was showing 1.25 %, so we send a secure message through the app and we prompted to speak with a customer service XXXX We called and spoke with someone and at first they said that I was earning the correct amount and the app was probably reflecting wrong and I insisted that I wanted it to be accurately reported on the app and then they said I wasn't getting the correct cash back rate because I didn't have a linked College Savings Plan on XXXX and I insisted that I did and they told me I needed to contact XXXX because they manage the linkage. I proceeded to contact XXXX and verified that the eligible XXXX XXXX XXXX was linked and the I should be earning 1.529 %. 

I filed an official complaint with Barclays ( ticket # XXXX ) on XX/XX/2023. I let a couple months go by and the cash back rate hadn't changed on Barclays app and I didn't see any funds retroactively post. In XXXX asked for an update to my complaint because I had gotten a feedback email that made it seem like my issue was close/resolved and they created another ticket ( # XXXX ). I have subsequently received customer service feedback request and emails asking me to link my college savings plan to get the higher rate 1.529 % ; however, when I log on to check the linkage it's still shows that the eligible XXXX plan is linked. 

I have followed up with Barclays XXXX XXXX and to date I haven't gotten any retroactive funds posted, my app hasn't changed to reflect the correct earning rate, and I haven't gotten any update from Barclays on what is going on with this issue. I am concerned that I'm not the only XXXX in this situation and their XXXX be some systemic programing issue between XXXX and Barclays. Barclays should conduct and audit to identify those impacted and ensure that everyone gets their retroactive funds back. I personally would like for them to credit me all my earned rewards immediately dating back to XXXX XXXX  The opportunity value of these have been lost ; these funds could be working hard in the stock market ( XXXX Plan ), not sitting on Barclays XXXX not benefiting me. I want all my earned funds back and my account recoded to earn the correct amount going forward. I have had my XXXX Plan linked to XXXX for many years, so this issue makes no sense to me.