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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$280.00}
Product: Checking or savings account

Capitol One cheating consumers out of more than {$XXXX} XXXX in interest in payment savings account. The XXXX XXXX Account. Intentionally they kept news of its higher-yield savings account from members with lower-yield saving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

15 USC 1666B This is a billing error always paid as agreed on time this is an error this account is in violation. They violated the United States Code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also according to 15 USC 1666 ( b ), they should have adopted to ensure that each periodic statement is mailed to me certified mailed or 21 days before the payment due date, which I never received. I have disputed this account multiple times with the bureaus. One of the original creditors even sent me documentation proof stating it was a system malfunction. XXXX XXXX never provided documentation showing they sent mail certified or 21 days before the payment. Update the payment history immediately and remove the account XXXX XXXX account immediately. 
XXXX hasn't updated my credit report in over 6 months. Misleading False Reporting. This Account negligently and inaccurately reported failing to comply with 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXXXXXX ExperianXXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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.
Product: Credit card or prepaid card

I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -thank you!
Product: Mortgage

My mortgage was paid in full on XX/XX/2019. According to AmeriHome prerecorded message any refunds will be processed within 20 days ( not business days ). Today is day 21, and I still have not received my escrow refund of {$1800.00}. I've emailed and called customer service. I always get a " canned '' response that it takes between 20-30 business days to issue a refund of MY escrow funds. Why does it take so long to issue a refund? Why is the message given to the consumer not the same as the prerecorded message? Why does it take so long to issue a refund? This money does not belong to the mortgage company.
Product: Credit card or prepaid card

I over paid Citi Bank $XXXX on XXXX XXXX XXXX and I have been trying to get my over payment returned to my checking account since I learned of the situation and I contacted them on XXXX XXXX XXXX and I was sent a check which was non-negotiable because it was issued to a business that has not been in business for 5 years. I called Citi Bank about this and I was told that my money would be back in my account by XXXX XXXX or XXXX XXXX XXXX. However, so far I do not have my money. I talked with a man named XXXX this morning and he told me that my refund was approved yesterday XXXX XXXX XXXX and that I should have my money in 3 to 5 business days. What gives any money institution the right to play someone else's money for a month without paying interest as I would be charged by them if I were late with my payments?
Product: Mortgage

On XX/XX/2020, I requested a payoff quote from my mortgage company HSBC. On the quote there is a line item named " Recoverable Balance '' in the amount of {$5400.00}. I continuer to call HSBC at I keep receiving different versions of this balance due and at no time they are able ti show me any proof that this does in fact belongs to me. 

I am currently in the process of selling my home and I need this clarified since this is no small to gorget about. I do not want to close on the sale and pay the lender and additional monies that I am not sure what it relates to. 

Your help is greatly appreciated.
Product: Checking or savings account

XX/XX/XXXX I funded the account with {$50000.00}. 
XXXX said i will get {$150.00} per {$10000.00} so a total of {$750.00} if we let money during the XXXX full months, i let the money from XX/XX/XXXX to XX/XX/XXXX. 
I contacted this " bank '' per mail 5 or 6 times, never got any answer. 

I called 2 times in XXXX and XXXX and they said we have to wait 60 days. 

60 days elapsed and still not bonus posted.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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/year>
Product: Mortgage

To ; whom it may concern The loan depot never mentioned that the Appraiser that came to my home never measured my home, and was in and out of my home in less than 10 minutes. If you pull there call log, and talks done daily you would find out that these people have made promisses, and lied to me about not just what they said about the {$200.00} that they promissed me back after everything was completed, but also that I had a check on it 's way for the amount of {$3600.00} ; And the loan was APPROVED!!! Just them firing my loan officer XXXX XXXX made them look even more suspicious, and there Attorney calling my home late at night to discuss the situation. This firing probably ruined his home and family. He did not deserve this. The president also contacted me telling me that XXXX XXXX was trying to take over the Company. They put me through a living XXXX! Since XX/XX/2015 till present. I did everything from spending my money for gas, copies, stamps, and time that caused me XXXX, XXXX, anxiety. I really thought this company was on the level with me, and they were not for my best interest my being a XXXX Retired XXXX Veteran. There call backs was sporatic to say the least. And the attitudes I got from XXXX XXXX or XXXX. They fired a very good man, and very honest to say the least. Named XXXX XXXX for being honest about his piers and their practices lying about them putting me on a 30 fixed from my present 3.99 % to 3.75 % ; then all of a sudden they decided to give me a fixed for 3.85 %. He also mentioned about other veterans not getting there fair share when it comes to mortgage loans, etc, etc. Thank you XXXX & XXXX XXXX XXXX XXXX Case # XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. Someone called American Express to cancel my American Express credit card account : XXXX. I never called American Express to have my account cancelled. Some of the transactions on my American Express credit card account are fraudulent and unauthorized, not all of the transactions are fraudulent and unauthorized on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....
Product: Mortgage

XXXX of XXXX, my loan was transferred from Newrez XXXX to Newrez Shellpoint. In that transfer, Shellpoint claimed the XXXX check was missing. I provided copies of the check electronically and in paper form. A domino effect occurred because I pay {$1700.00} every month. The check is mailed by the XXXX of each month. {$220.00} of that is to be applied to the principal. In other words, I add to the payment each month {$220.00}. They claimed XXXX check was received and they used the extra payment to cover the missing XXXX check. They did this for several months causing late fees and reports to my credit bureau to accumulate. Each month I have been talking to a representative of Shellpoint. They all say they will open a complaint. Nothing gets fixed. XXXX months later, I talk with XXXX XXXX in Customer Service. He claims to have much knowledge about my case. He tells me to call XXXX about the XXXX check. XXXX has XXXX # XXXX and she confirms that XXXX check was transferred to Shellpoint on XX/XX/XXXX at XXXX a.m., confirmation number XXXX. XXXX reply was " oh, we are missing XX/XX/XXXX 's check. '' I then certified mail Shellpoint in XXXX, South Carolina not only copies of XXXX XXXX check but also XXXX, XXXX, XXXX, and XXXX. 
I just got another phone call yesterday, they are missing XXXX XXXX check. My bank account reflects they already cashed it. XXXX check was sent on the XX/XX/XXXX and on XX/XX/XXXX they claimed they hadn't received it yet. They are poor at communication and applying payments on time. I will furnish my numerous documents at a later date.
Product: Credit reporting or other personal consumer reports

I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} Collection XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$3700.00} Late/Open Inquiries in Dispute : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the account.
Product: Checking or savings account

I had booked nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX for {$250.00} for a trip in XX/XX/XXXX. The trip was cancelled due to XXXX, but the hotel extended a voucher to me through XX/XX/XXXX. 

The hotel ( managed by XXXX XXXX and their bank XXXX XXXX XXXX  XXXX ) went out of business and was reopened under a new management company before my stay. I was contacted by the hotel a week before the trip and told that I would have to pursue getting a refund through Citibank. ( emails attached ) I processed a dispute with Citibank who sent me a form to complete and the documents required. I was assigned a case number and never heard from Citibank again. I continued to contact customer service by phone, walking into a branch, and through social media and NEVER received any mail, email, call, text, or any other communication. Sometimes, Citibank would send the same initial form as if it was a new case. I got different stories from customer service each time I called. A couple of times I was told Citibank would mail me information or the case was denied. An employee at my local branch assisted me in sending the appeal in case via fax. ( email chain attached ) I have documentation for what I have described here + additional text messages with the hotel management company further instructing me to work with Citibank plus a record of the times I reached out to Citibank including screen grabs of conversations.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX  XXXX posted that the dates are currently being from 2022 not true they are accounts that are 7 years too old to be reported on my credit report and must be removed XXXX  was once reported before it was removed then someone changed the date on it to be current XXXX is reporting accounts that are 7 years and 8 years too old to be reporting and I gave all companies cease letter so by reporting on my credit report is a form of communication which violates the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask for the removing of accounts that is listed as my accounts on my credit profile
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I need to see an agreement with your company and the company you are collecting for.

If not I am requesting that you delete the following collection from my report. 

LVNV Funding LLC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding an unauthorized hard pull by XXXX XXXX XXXX. XXXX sent me a email stating the their report was in error, and that a revision was submitted to Equifax to remove the item from my report. I called Equifax 800 number to proof repair was completed. I spoke to XXXX, she suggested I wait until it drops off my report, I asked to escalate the call, next I spoke to XXXX, who also suggested I wait until the item dropped off my report, also suggested I call XXXX yet again to resolve the problem. I asked to be escataled again, this time I talked to XXXX. XXXX started off listening, but soon was asking me to again call XXXX and get them to submit the repair. As I was talking, XXXX hung up the phone Total time of call aprox, 1 hour 14 minutes. IF this call is reflective of Equifax normal comsumer interactions, they should be sanctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed and I have tried to pay it off, but XXXX 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX by XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

I sent a letter on XX/XX/22 to XXXX XXXX XXXX regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the company to resolve this issue, but I have not heard anything back and it's still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects me.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach and I now have a lot of unauthorized inquiries and fraudulent accounts I have asked the credit reporting agencies to remove all items and still nothing is being done
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

JPMCB AUTO FINANCE - 01/04/2024

SERRA FORD FARMINGTO via 700CRSERRA FORD FARMINGTON HILL -11/24/2023

ALLY FINANCIAL- 11/24/2023
Product: Credit reporting or other personal consumer reports

Navient is a company that I was in forbearance, yet they are indicating that no date has been received and closed as of XX/XX/year>. I never received a 1099c to inform me that this information would be reported on my credit file.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am owed {$1000.00} for each incorrectly reported item on my credit file.