23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I demand an immediate and thorough investigation into this matter. Why, after providing evidence, going through the dispute process, and supposedly resolving the issue with your bureau, does another fraudulent account appear on my credit report? This egregious oversight not only reflects a failure on your part to protect consumers but also demonstrates a severe lack of diligence in maintaining the integrity of credit reporting. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is utterly unacceptable that your bureau, entrusted with the responsibility of accurately reflecting consumers ' credit histories, would allow yet another fraudulent account to tarnish my credit report after I diligently followed the necessary steps to dispute and remove the previous fraudulent entries. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I insist that you promptly rectify this situation by removing the newly reported fraudulent account from my credit report and provide a comprehensive explanation for this blatant error. This occurrence is not only damaging to my creditworthiness but also indicative of a systemic failure within your organization. 
The continuous appearance of fraudulent accounts on my credit report leaves me with no choice but to question the competence and reliability of your bureau 's reporting practices. This negligence has severe consequences for consumers and undermines the very purpose of a credit reporting system.
Product: Checking or savings account

Citizens Bank advertising a promotion for a {$200.00} bonus for opening a checking account, requiring within 90 days a direct deposit of {$500.00}. Opened account online through the bonus link on XX/XX/2018, and completed direct deposit of {$500.00} to account on XX/XX/2018. The deposit was reflected in my account as a Direct Deposit. I asked an teller at the Citizens Bank located on XXXX XXXX in XXXX, MA on theXX/XX/XXXX, if a direct deposit transfer was a qualifying transfer and was told it was qualifying and in they had down so themselves. I contacted customer service by phone XX/XX/2018, to check status of bonus since was supposed to appear within 90 days, was told it would be the following week. Contacted customer service on XX/XX/2018 the 90 day mark and was told bonus would appear by the XXXX, nothing appeared. Called customer service XX/XX/2018, was first told it was XXXX business days ( promotion flyer does not state this ) call was lost and I called back. Talked to another representative who was polite and helpful and called another department and was told my Deposit did not qualify because it was not from an employer.While the flyer does mention an employer deposit as one type of Direct Deposit it was not the sole one, this coupled the I was assured by an agent that my direct deposit would qualify and at no time when speaking to agents on previous calls was I informed I would not qualify for the bonus, only that it would post soon. {$500.00} is a lot for me and I left untouched for entire summer under the belief I would receive the bonus. I had intended to use this account because Citizens Bank has a strong presence in XXXX XXXX, but now believe I got a run around and fell for a deceptive enticement.
Product: Vehicle loan or lease

I have not received a billing statement for my Truist Auto Loan since XX/XX/2022. I have tried to resolve by going to the bank and assured it was fixed ; I still haven't received a bill. I have made payment but not sure what is owed or any billing details.
Product: Mortgage

1 ) XXXX county taxes paid {$2700.00} CORRECT 2 ) XXXX county taxes paid {$2300.00} CORRECT 3 ) XXXX county taxes paid {$2300.00} INCORRECT 4 ) XXXX Escrow advance {$1500.00} INCORRECT WHY????? 5 ) XXXX Tax Refund {$2700.00} WHY FOR WHAT????? 
6 ) XXXX Repay of Escrow Advance {$1500.00}??????????? 
7 ) XXXX Tax Refund {$2300.00} First of all it is wrong and why are you calling it a Tax Refund??????? 
8 ) XXXX Repay of Escrow Advance {$00.00} what are you repaying 9 ) XXXX Mortgage Payment 10 ) XXXX County Taxes Paid {$2700.00} WHY?????????????? 

On XXXX why would you pay county taxes if all of my taxes were paid on XXXX of XXXX????? 
This is a made up statement. You are putting numbers in so my account looks paid it is NOT. Taxes still have not bee paid and I am still delinquent with XXXX County taxes ( see below ). The first payment should have been made XXXX. I want to know are you making up fake statements???? 
I have late payments of {$240.00} so far that have incurred who is going to pay that????? 

I have called your customer service 20 times, I get put on hold for an hour and then they are so rude they hang up on you or say wrong department I cant help. I finally get thru to XXXX in the escrow department ( she said she was a supervisor ) phone # XXXX and she said she would help she wont pick up my calls anymore. 

My mortgage was sold to you in XX/XX/XXXX I did not pursue you I am so disgusted with this bank I have no words. I can not believe that you are still in business. 

XXXX the only reason that I got as far as you is because I contacted the XXXX XXXX XXXX. Well no that you can not seem to get any information out of your own company ( I have provided it ). I will make sure that the XXXX XXXX XXXX has all of this information, my lawyer because I am so distressed ( I am a widow of a XXXX ) AND I AM A SENIOR CITIZEN. How dare you treat people like this. 

XXXX XXXX XXXX Above is the letter I sent to Citizens One I re-financed my mortgage in XX/XX/XXXX and it was sold to Citizens one. They have not paid my property taxes and I received a delinquent notice from XXXX County treasurer. I have tried to get anyone to help me. I am beside myself. I called and sent a complaint to the XXXX XXXX XXXX  I have called the Bank 50 times my property taxes still are not paid and my escrow account is now overdrawn. HOW does that happen. I should have a positive escrow balance and no one at the bank seems to be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I called Wells Fargo to do a balance transfer for 14 month with 0 % APR at 3 % transfer fee. The amount to be transfer was greater then what I had on my platinum credit card. The representative on the phone suggested that he will do an internal Soft Inquiry to see if I can transfer more then what my credit card allowed. I did agree to a Soft Inquiry. I WAS VERY CLEAR ON NOT WANTING MY CREDIT PULLED BECAUSE I AM IN THE MIDDLE OF BUYING A HOME. The representative agreed and stated that he will not do a hard inquiry BEFORE HE ASKED ME. I agreed to just transfer a partial of my personal loan to the XXXX Credit card and thats it. Transfer was done but the next day I got a message from XXXX that my credit was pulled and I lost 9 points and a hard inquiry. I did not agree to this!!!! I keep getting transferred from one rep to another and I am being told that its common they do this when the representative made it very clear that he will not do a HARD INQUIRY. 

All conversations with Wells Fargo were recorded!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Trans Union Conducted Sham Investigations on My Trans Union file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXXurt for Northern District XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). 

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Trans Union multiple times that the entries below are erroneous and fraudulent. 
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 Trans Union routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Trans Union has harmed, bullied, and harassed me
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year 2018 I tried XXXX XXXX  and they did nothing to fix my credit. I spent about 800.00 and nothing. I feel ripped off as not one thing done did anything to fix my credit Fraud scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX  closed my account, during XXXX, and at the time when I was attempting to make payments. Account was, subsequently, closed as written off, but now I am being sued by a collection agency, XXXX, for a balance, which is more than what I owed XXXX  at the time. I take issue with this practice because I did not authorize XXXX to share and/or sell my information, especially, since they have already been paid for this debt as a write-off. Please erase this debt and remove this item from my credit, as well as show paid in full.
Product: Mortgage

In XX/XX/2022 I filed for a forebearance while I was on XXXX XXXX XXXXXXXX. I then in XXXX applied for a loan modification and was accepted to have a partial claim. However, I have two out of state coborrowers ( my parents ) and have been sent the loan modification documents multiple times which has led to multiple documents being rejected or no accepted with no explanation. I even flew to Wyoming where the coborrowers reside to notorize these documents in person. These documents were also not accepted with no explanation. Since XXXX I have been paying my mortgage but those payments have been put into a suspense account. I have recently been sent these documents and they have not been accepted again! I can not get an agent who knows why. I have been placed on hold for hours and I have been given the run around while my mortgage has been in limbo for almost a year! I can not refinance or do anything with out this loan modification being complete. My father is a XXXX veteran who is not allowed to travel to sign these papers where I reside in Arizona. I am running out of options and have had multiple housing counselors try to get to the bottom of this issue but the third party authorizations need to be a wet signature so they arent able to get far. I just want to continue making my mortgage payments and never have to worry about if im going to get foreclosed on. This company is not helpful or knowledgeable and customer service is non existent. Their website is horrendous and confusing and Im doing my part by continuing to get these documents notarized and having my XXXX XXXXXXXX parents get these documents notarized as well. It is very frustrating that I can not get my loan in good standing when I am still making my monthly payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX an XXXX company, XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX 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 AZ XXXX CXXXX 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 card

The statement for the period ending XX/XX/year> XXXX XXXX  XXXX XXXX failed to reflect approximately XXXX points that were earned during the statement period.
Product: Checking or savings account

Some months ago I filed a complaint regarding a wide range of material misrepresentations of fact by Synchrony Bank. Synchrony addressed one of the many parts of my complaint. I have tried to get Synchrony to respond to all the other aspects of my complaint. On approx. XX/XX/XXXX I spoke with Executive Response Team member XXXX XXXX ( XXXX ). She promised to fully investigate all parts of my complaint and provide me with a detailed written response to those parts of my complaint never addressed to date by Synchrony. When I did not hear from Ms. XXXX after about 30 days I called and left her two voice mail messages. Ms. XXXX has not responded to either voice mil message. 
Synchrony gave me wildly inaccurate and misleading information about my accounts with them. I can supply all the follow up documents CFPB may need regarding this matter. I think the CFPB must hold Synchrony accountable for the misleading information, the serious and material misrepresentations of fact and their failure to fully address all parts of my complaint. Thank you.
Product: Credit card or prepaid card

According to USAA my account closed on XX/XX/2023, since that date I have continued to accrue monthly interest and late fees.
Product: Money transfer, virtual currency, or money service

i am delivery man who takes orders and deliver them with payment on my paypal and other account app i got this charge back from a women who made a payment for her fiancee and now they all trying to steal back from me which paypal had to put my account on overdraft and took away some of my money saying i cant use paypal anymore why cant they confirm payment before ever sending and why would they charge back please i need my paypal accout restored and money back thank you.
Product: Checking or savings account

Wafd Bank took over my XXXX local bank ( XXXX XXXX XXXX ) on XX/XX/24. Consumers were instructed to enroll online on XX/XX/24. I was able to create an online account which I can access. 

However, the external transfer feature - that I rely on for daily expenses- is not functional. i have called customer service 5 times and done what they have asked me to do. I have been assured that they will fix this problem and that they have additional documentation i sent them ( a voided check ) but they have repeatedly told me they will fix the problem and it goes unresolved still. 

Secondarily, I tried to enroll for a checking account on Wafd website and that has been held up also. Similarly, their Customer Service is unable to resolve the problem. 

My only option seems to be to drive XXXX min each way to the closest branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

President Biden issued a continuation of the freeze on payments and interest that Trump ordered for the coronavirus situation. That freeze applies to government loans and is in effect until XX/XX/2021. 

Since XX/XX/2021, XXXX has harassed me with calls and emails demanding payments or forbearances even though it clearly states on their website that I needed to do NOTHING. So I did just that, nothing, because I do not have any private loans. I've never taken out a private loan for my education my entire life. 

As a result of following the directions of the President and XXXX 's own website announcement, XXXX has now put me into default and my credit score lost 100 points. 

I was told I needed to do nothing. The demands for payments or forbearance this year were excessive and came across as illegitimate. If I wasn't required to contact XXXX in order to accept the Covid relief, why were they harassing me? Why are they allowed to default people within this window of time when our loans were ordered by the President to be suspended due to the Covid crisis?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed 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, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.