23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went online on XXXX XXXX to pay my mortgage with US Bank and discovered that there was a {$78.00} insufficient funds notation in XXXX of my XXXX accounts. This was alarming because I never pay debts out of this account -- it is only used to deposit money from sales made on XXXX. It is also used as a backup account if my main account is low on funds, but I do not keep money in this account unless items have been sold. When I contacted the bank for an explanation, I was told that it was a deduction made by XXXX. I do quite a lot of business through XXXX, but only through my main account. They referred me to XXXX for an explanation. When I called XXXX, they told me that their records showed absolutely no transaction through this account. I called US Bank back and told them what XXXX had said. Then I was told that I could file a complaint and that I would be sent a form to fill out and the bank would investigate. I waited for more than a week and no form came. Upon calling the bank yet again, I was opening my mail at the same instant and discovered a letter from the bank informing me that my complaint had been investigated and that my file had been closed because I had authorized the charge. I informed the representative that I was speaking with that this was not true, that I had never received a complaint form to complete, and this was not an appropriate " investigation '' without consulting me regarding XXXX claim ; the " investigator '' had apparently accepted the word of XXXX without any proof that the charge was legitimate. The letter also said that I could request a copy of the documentation used to make this determination, but was told that there was none available. Of course, I was furious and incredulous at the same time! I was then informed that if she tried to escalate the complaint, it would merely be kicked back noting that the file had been closed and the charge was legitimate. She suggested that I go to my local branch and have them escalate the complaint for me. From my initial conversation with my local branch, I was referred to the national number for the bank for resolution, leading me to believe that they could not or would not help me. The individual that I spoke with at the national number had told me that she could see that this type of fee had been charged to several of their customers apparently erroneously, as there had been no purchase of goods or services involved, but nothing had been done about it, and the notation as to its origin was unexplained. This appears to be fraudulent in nature if XXXX is indeed charging customers fees that are not genuine or owed, without even informing the charged customer. In addition, the bank is not processing complaints about these instances and is instead taking XXXX word that the charges. are owed. I think both parties are at best negligent in their behavior and at worst, committing fraud on the part of XXXX, and collusion on the part of the bank. I want a full and complete explanation for this charge to my account ; it was not authorized. If it is indeed erroneous, I want the bank to reverse the charges and make my account whole again.
Product: Credit card

On XX/XX/year>, I filed a dispute via CITIBANK of {$1500.00} ; however, CITIBANK never responded to me either via email or phone call to confirm the evidence documents I sent them at least XXXX times, nor put the evidence documents onto my case. 
After 45 days I had to work with the vendor to get my money back all by myself. 
I called the CITIBANK Dispute department at least XXXX times, and each time I talked with a different rep or supervisor, none of them were able to help me, their comments were the same, and lies that they never received my documents and they only write something for their internal people ( never know who??? ) to handle. 
CITIBANK doesn't have a dispute department, anyone is a dispute rep., can only take messages but not action to handle my dispute case, for the past 45 days. 
The worst case was due to their incompetence, CITBNAK refused to credit the balances to me and charged me the fees that I was put on a dispute. Not only were they unethical, also practiced illegal business on my case by taking the money that I owed to them with a dispute case. I read a lot of similar complaint cases against CITIBANK here, I hope the Consumer Financial Protection Bureau can investigate CITIBIBANK to protect consumers like me. Now I request CITBNAK to refund {$1500.00} back to my credit card and take responsibility for dealing with the vendor on my behalf, immediately.
Product: Mortgage

We fell behind in 2017 due to excessive obligations when property was unoccupied. Since then we have tried and tried to reach out to Bank of America for help. They have FAILED to even try to assist with any Loss Mitigation options for what they say as the INSPECTOR 's word against ours. 

Our case for modification review is flagged because of the issue at inspection on XX/XX/17. At that time, according to INSPECTOR, tenant informed inspector that XXXX XXXX was not residing at the residence and the property was tenant occupied ONLY. 
We believe there may have been a NEIGHBOR that inspector spoke with and not a tenant. According to XXXX XXXX mother who was present on XX/XX/17, the inspector only spoke with a neighbor two homes down, and herself. 
It is clear that an error occurred with neighbor-to-inspector interaction at time of inspection. The only person present was XXXX XXXX mother. No other interaction with any tenants occurred during time of inspection. Property inspection had inaccuracies. We are requesting the proof that inspector had a valid reason to flag this file and/or accuse XXXX XXXX of being deceptive. We stand by the letter provided and dated for XX/XX/17, where XXXX XXXX clearly states he has no tenants and no rental income at that specific time.
Product: Debt collection

I have been the victim of identity theft. I have tried numerous times to get this Collection from Orions Management LLC removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from XXXX XXXX XXXX XXXX XXXX which I have attached here indicating that I am not liable for this debt. Orions insists that it is a different account number. I contacted XXXX, they advised me that it is in fact the same account and that they requested a buy back from Orions of XX/XX/2023 and Orions has not responded. I have been a victim of a crime and Orions Management refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRAXXXX XXXX FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for XXXX XXXX XXXX XXXX Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments XXXX XXXX XXXXXXXX - XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX XXXX requirements. 

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my XXXX XXXX. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX
Product: Vehicle loan or lease

I agreed to a XXXX month lease for a XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX Before the lease ended, I was granted a 6 month extension with the same terms regarding mileage and payments. We were clearly told we could return the car before the end of the 6 month extension and we would not incur any early termination fees and we would not be responsible for future payments as long as the car was returned before payment was due. I confirmed this again prior to returning the car one month early. 

I brought the car to the XXXX XXXX XXXX in XXXX XXXX, XXXX and returned it on XX/XX/XXXX. I received the necessary grounding paperwork confirming the car was under the allowed mileage, all keys and accessories were included, and there was no damage. 

My lease payment was due on the XXXX of each month. XXXXChase attempted to pull an automatic payment a week early - because I knew we would be turning the car in before the XXXX, we ordered a stop payment which XXXX XXXX XXXX initiated . 

It was explained to me that XXXXChase sent a pay off quote to the dealership for an amount that included this payment that we were not responsible for. It seems as though the dealership paid what was asked of them but was not actually correct. Chase, XXXX, and the Dealership are unwilling to communicate with each other to resolve the issue and are instead forcing me to serve as a middleman or pay the amount supposedly due.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Product: Credit card or prepaid card

I met with a financial counselor who was able to look at my credit report. I noticed a account which I did not recognize. My report was showing a CareCredit credit card under my name with an unpaid charged off balance of {$1500.00}. Prior to my counselor explaining to me I had no idea what CareCredit was. With the help of my financial counselor we contacted Synchrony Bank which CareCredit is under to report this fraudulent account on XX/XX/XXXX. I followed up today XX/XX/XXXX and they informed us that that my fraud claim had been denied and the account will remain on my credit report. The reason they gave me for it not being removed was that it was opened years ago, XX/XX/XXXX, payments were being made in the beginning and my address matching. This does not prove that the account belonged to me. I don't know who applied for this account but it was not me. The statute of limitations to collect on this account has passed but I want this account removed from my credit report as it does not belong to me and it is negatively effecting my credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

To : Consumer Finance WWW. Consumerfinance.gov Dated :  XX/XX/2020 Loan # XXXX Dear Sirs : I want to file a complaint against NewRez, XXXX, SC XXXX XXXX Escrow Department. In XX/XX/2020 I closed a VA loan with NewRez which included a tax and insurance reserve account. At that time the closing included a tax payment for the real estate taxes due on XX/XX/2020. In XXXX of 2020 I received a tax lien on the property at XXXX XXXX XXXX XXXX which is the property for the VA loan. In XX/XX/2020 I called NewRez and told them about the tax lien. FromXX/XX/2020 to XXXX of 2020 I tried to resolve this problem but got the same answer that they are working on it. I never got to speak to anyone in the Escrow Department. This was a simple mistake on their part and an easy fix but no one would communicate with me. Just same old response they are working on it. In XX/XX/2020 I was informed my property would be up for a tax sale. Consequentially I paid the taxes up and got a receipt. I have repeatedly asked to drop my escrow and will pay it myself but got no response. This cost me an extra {$250.00} estimated in late charges, fees, and someone else taxes being paid. 

I cant believe that VA and XXXX would allow a financial institution to have an escrow department and not have anybody to communicate with. I am requesting NewRez pay for my extra costs and close my tax and insurance account. Also I have applied to refinance my existing loan with NewRez at a 2.25 % interest and do not want a tax and insurance reserve account. I have numerous emails to substantiate my contacts with NewRez. 





XXXX XXXX
Product: Credit card

INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all fraudulent, inaccurate, and outdated information and inquiries from my credit reports with XXXX, XXXX, and TransUnion. Upon reviewing my credit reports, I have identified multiple entries that are negatively impacting my creditworthiness and financial health. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and seek its prompt removal. The discrepancies and fraudulent activities identified on my credit reports include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TRANSUNION : 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. To substantiate my claims, I have attached copies of the following documentation : 1. FTC Identity Theft Report 2. Proof of my identity, including a copy of passport and social security card.

Despite my repeated efforts to resolve these issues directly with the credit reporting agencies and the data furnishers, the inaccuracies persist. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit reports. 

I would appreciate a swift resolution to this matter and request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this serious issue.
Product: Money transfer, virtual currency, or money service

I was victim of XXXX XXXX XXXX XXXX they had video showing you could get more XXXX  if i send the XXXX to certain address so i send the XXXX to the address but it was fraud.
Product: Debt collection

I was contacted by LVNV, they stated that they are trying to collect on a debt. They falsely claimed that I owed them this money and I do not. I asked for verification that they owed this alleged amount, proof of authorization that they are allowed to collect on this alleged debt, and proof of authority to contact me, the consumer, and access my personal private information. 

I did not receive any correspondence, then when looking on my consumer credit profile, I noticed that they added a fraudulent account to my consumer report, without responding to my dispute and supplying requested informaiton.
Product: Debt collection

I lived at XXXX XXXX XXXX for just over a year. When I found a bigger place to live the landlord at XXXX told me to not pay my last months rent and he would use my security deposit to apply towards it. The day I turned in my key I left my new address and contact information with the manager, XXXX. I wrote it on a piece of paper and handed it to him, he then put it in my file. I stood there and watched him do this. A few weeks later I received a collection notice in the mail from XXXX XXXX. I went to the apartments to speak with the manager, he told me they kept my security deposit because I didn't pay my last months rent, I reminded him of what he told me, not to pay my last months rent, he would apply my security deposit to pay it. I asked why I didn't get a letter in the mail explaining why they kept my security deposit, he shrugged his shoulders. Please see attached a copy of the lease initialed by me, it states that my security deposit can be used towards the last months rent. On the lease it states " If the landlord fails to give you the required notice within the 30 day period, he or she forfeits the right to impose a claim on the security deposit. '' I never received any notice. On the attached document please read # 12 and # 24 where it clearly states that the security deposit can be used for the months rent.
Product: Debt collection

I have a credit account showing on my credit report from Target. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Target by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Target, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.