23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

*** THIS IS MY XXXX TIME ATTEMPTING TO GET THIS CORRECTED*** on XX/XX/XXXX I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 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 
*** this is a clear violation under FCRA ** willful negligence in reporting i have provided XXXX  forma to show there is NO DEBT and the credit agencies continue to allow incorrect reporting for almost 2ys  and more in some cases i have attached : XXXXc for 1 ) XXXX XXXX XXXX ( debt has been discharged since XXXX  ) 2 ) XXXX XXXX XXXX ( debt has been discharged since XXXX  ) 2 ) XXXX XXXX XXXX XXXX debt has been discharged since XXXX  )
Product: Credit card

I have a XXXX American Express credit card with a credit limit of {$1000.00}. Recently I noticed that American Express increased my annual fee to {$650.00}. I contacted them through their online chat and explained that I was not aware of this increase, nor did I agree to it. I requested a confirmation where I was notified and agreed to the increase of {$650.00}, but the American Express online chat representative could not validate or confirm. See attached conversation dated Saturday XX/XX/year>. The representative said : " On XXXX XX/XX/year> we increased the annual fee to {$650.00} '' Then said : " We've sent you communication last XX/XX/XXXX ''. 

It is unfair, and I find it highly deceptive trade practice to increase annual fees 50 % greater than my credit limit. 

To comply with the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Bureau laws, I am requesting : 1. Documentation that substantiates my Acknowledgment and Agreement to annual fee of {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Security and Freeze with Lexus Nexus they shared information with XXXX credit bureau and XXXX credit bureau does not fall into the category of any of the entitled categories allowed to receive information when a security freeze is on your account. in fact while on the phone with Lexis Nexus I was told by XXXX employee ID XXXX verbatim we can not stop the sharing of information with credit bureaus they are not included in security freezes we are not aware of how or when information on a person with a security freeze is obtained. This is a direct violation of information being shared in accordance with who is allowed to get information while a security freeze is in place. credit bureaus are not entitled to information they do not fall into the criteria of employers insurance companies Or others defined on your website. LEXIS-NEXIS as well as XXXX have both refused to provide to me with a written information as to where they received verification of the information that they have placed on my credit report this is a violation of the FCRA.
Product: Mortgage

I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX, XXXX and Equifax regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Mortgage

Roundpoint Mortgage has been charging me an additional {$20.00} per month for " charges and fees ''. I have never been late on my mortgage and I have no way of contacting Roundpoint because they have sold my loan to XXXX XXXX. I called XXXX XXXX and they have no explanation of the {$120.00} charge on my mortgage statement but are unwilling to remove it from my account. I can only access one year of mortgage statements on the Roundpoint website since they sold my loan and their phone system is not set up for former customers to call. When I enter my loan number it disconnects the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint specifically involves Equifax, but applies to all credit reporting agencies.
On XX/XX/XXXX, one of the largest data breaches occurred when Equifax was hacked and over 150 million people 's SSNs, DOBs, addresses, etc were stolen. Notification of this breach was not handled in a timely manner. The solution provided by the company involves free credit monitoring for a year based on the consensus that I waive my right to sue or participate in a class action lawsuit. This is theft, in addition to the hacking. This solution does not suffice. This company mishandled mine and millions of other 's information incorrectly and should not be allowed to be benefit from their carelessness under the guise of " saving money '' by cutting corners regarding proper security measures.
All credit reporting agencies should step up security measures by including at least a two-step verification process. Additionally, credit report monitoring should be a free, standard service since the public is subjected, as a standard, to being forced into having our information in the hands of these credit reporting agencies without permission, without a business relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just saw that I had a Hard inquiry on my credit report ; which I had no idea what that even was. I XXXX the company it has listed which is COMENITYCAPITAL/XXXX on XXXX, 2022. I had to XXXX what that was & what it meant. It means that this company pulled my credit report without authorization!?! Or someone has applied for a XXXX XXXX XXXX with Comenity Capital Bank. 
Which I have NEVER EVEN HEARD OF. Now what do I do to get this off & dispute it..? This is so very frustrating. 
So I called the number they gave me online & they answered the phone as a different name of a different company ; so I called same telephone number back & they answered the phone as ANOTHER DIFFERENT name of a DIFFERENT company! & when I called him out on it ( because I could tell it was the same voice- which was foreign. ) He actually hung up on me..!! & Im just not sure who to trust giving out any of my information to be able to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers, but has allowed offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/ i go into the credit union and ask what the total is too pay off my debt, they tell me that I owe {$600.00} and reassure me that my payment via wire transfer will be sufficient enough. 
XXXX XXXX XXXXXXXX i made a domestic wire transfer of {$600.00} to pay off my line of credit debt with America first. 
XX/XX/XXXX, XXXX America first credit union sends me a letter, it goes too my old address so then it gets sent too new address in a different state. it io saying that for some reason i still owe XXXX dollars with a XXXX dollar monthly fee. 
since i live paycheck too paycheck this is incredibly frustrating. i feel taken advantage of and scammed. regardless of what debt i owed, that shouldn't mean banks can just take advantage of me.. 

and now they put this on my credit history. ugh
Product: Credit reporting or other personal consumer reports

I found several mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues. This is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I was notified by my credit card company that an entity named, " ComenityCapital/XXXX '' had initiated a hard credit check on my account. I had not applied for credit from this or any other company in at least the last 60 days. I was also notified about the same incident the next day by my credit monitoring company. 

An Identity Theft Restoration Specialist from the fraud detection services of my credit card company contacted me on XX/XX/2023, and together we attempted to contact ComenityCapital/XXXX  but the wait time was excessive, and we decided to try again the following week. At the same time, the representative of my credit card company said that her experience with that creditor was that they were very difficult to reach and work with for these purposes, and suggested I file a complaint with the XXXX as directed by their " Recommended Steps to Take to Protect Yourself '' document that she sent me via email.
Product: Money transfer, virtual currency, or money service

Im 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Mortgage

To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding the discriminatory treatment I have experienced with FBC Mortgage in their handling of my loan application. 

I am a XXXX visa holder, which grants me lawful work authorization in the United States. My visa status meets all USDA and FHA loan program requirements, and other lenders I have approached readily accept XXXX visa holders for these programs. However, FBC Mortgage has repeatedly refused to approve my application, offering inconsistent and vague justifications. 

This issue is compounded by the fact that FBC Mortgage is the preferred lender for the community where I wish to purchase a home. As the preferred lender, they can offer discounted interest rates and financial incentives not available through other lenders. Their refusal to work with me based on my XXXX visa status has effectively denied me access to these benefits, placing me at a significant disadvantage compared to other buyers. 

FBC Mortgages behavior raises serious concerns about compliance with fair lending practices as outlined in the Equal Credit Opportunity Act ( ECOA ) and Fair Housing Act. These laws prohibit lenders from discriminating based on national origin, immigration status, or other protected characteristics. Their decision to deny my application appears to be discriminatory and arbitrary, particularly when other lenders have demonstrated no issue with my visa status. 

I respectfully request that the CFPB investigate the following : 1. FBC Mortgages lending policies and practices, particularly regarding applicants with TN visas. 

2. Whether FBC Mortgages refusal to approve my loan application constitutes discrimination under federal law. 

The USDA and FHA guidelines are already vague, leaving significant room for interpretation by lenders. However, FBC Mortgages refusal to approve my application without clear justification demonstrates a lack of transparency and fairness in how they apply these guidelines. 

I hope that the CFPB will take the necessary steps to ensure that FBC Mortgage and other lenders are held accountable for fair and equal lending practices. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX
Product: Mortgage

I have contacted PennyMac at XXXX am PT on XX/XX/XXXX and spoke with XXXX ( she refused to provide her last name or employee # ) inquiring about the full information of escrow account from XXXX. 

During the conversation, I realized that there was a discrepancy in the escrow payment information, I requested her to provide the most updated escrow information and mail to me. 

She said that I have no right to ask that service. She suggested me to go on their website and retrieve it from it. 

I had already checked before calling PennyMac - Their website doesn't provide the full history of escrow account information.
Product: Debt collection

On XX/XX/XXXX, 1st Franklin Corporation received a cease and desist letter from consumer at XXXX. Consumer expressed to the financial institution to stop collection on fraudulent debt, report paid in full to all credit reporting agencies, audit trail, XXXX account each month and send a check for {$5000.00} for violations under FDCPA send to address on the cease and desist letter. The XXXX office contact me on XX/XX/XXXX @ XXXX which is in direct violation of my rights after receiving my cease and desist. 

1st Franklin Financial committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least XXXX point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand.
Product: Credit reporting or other personal consumer reports

I am formally notifying National Credit Systems , Inc. ( NCS ) that your company has violated multiple laws by unlawfully reporting

two separate accounts for the same alleged debt on my credit report. This constitutes identity theft under 18 U.S.C. 1028 and fraud under both federal and state law.

The unlawful creation and reporting of two accounts for the same debt using my personal identifying information ( PPI ) violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires furnishers of information to report accurate and verifiable data to credit reporting agencies. NCSs actions of creating two accounts for one alleged debt, without clear evidence of which is the correct alleged debt, suggest deliberate misinformation and misrepresentation of consumer credit information. 

Moreover, your actions constitute retaliation after I filed a legitimate complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your improper reporting practices. This is an actionable violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits deceptive and retaliatory practices in debt collection. By reporting two accounts for the same debt, NCS has further damaged my credit and financial well-being, in violation of laws that protect consumers from such misconduct and constitutional protections under the Fourteenth Amendment.

Additionally, Metro 2 Compliance standards, which govern the accurate and lawful reporting of consumer credit data, mandate that all entries be verified and validated before they are reported. Given that NCS can not prove which of the two accounts represents the actual alleged debt and which alleged debt is NCS committing identity theft and fraud to create, it is clear that both accounts are fraudulent and must be removed immediately. 

I demand the immediate removal of both accounts from my credit report. Furthermore, I request that you provide, through the CFPB portal, detailed documentation on how these two accounts were verified using my PPI to the credit report agencies. If verification can not be provided, both entries must be permanently deleted. Failure to comply will result in legal action for violations of the FCRA, FDCPA, state consumer protection laws, and my Constitutional rights.
Product: Credit card or prepaid card

I had communicated with American Express on numerous occasions that the account holder ( Account Card # XXXX ) and my father, XXXX XXXX XXXX XXXX, suffered a XXXX on XX/XX/2018. I contacted American Express on XX/XX/2018 and asked to have his card suspended, and I was told to send a copy of a power of attorney to American Express at its fax number [ ( XXXX ) XXXX, which I did that same day as instructed by " XXXX '', American Express 's representative, when I spoke to him at ( XXXX ) XXXX. [ On that same occasion, I and my mother, XXXX XXXX XXXX XXXX, asked XXXX to suspend the card, since there were unfamiliar charges on it. ] We also sent proof of the XXXX. 

American Express has not responded, and has indicated that my power of attorney is not valid. The power of attorney is valid under California law -- I should know, since I am an attorney. 

We wish for the CFPB to inquire of American Express when ( if ever ) it intends to address these issues.
Product: Debt collection

Complaint XXXX, Navient stated in their resolution that they would not contact me via auto dialer but did so again on XX/XX/XXXX at XXXX XXXX. Also request from validation was made and has not been full-filled. Company threatens via mailings to place negative reports on credit report during validation/investigation process all violations of CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$3700.00} XXXX XXXX XX/XX/18 {$10000.00} XXXX XXXX-XX/XX/18 {$350.00} XXXX-XX/XX/18  {$850.00} XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX-XX/XX/18  {$1200.00} XXXX XXXX XXXX-XX/XX/XXXX {$1800.00} 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 these accounts under 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