23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone made unauthorized charge on my CITIBANK card I went into their branch on XX/XX/2020 at XXXX XXXX XXXX and reported that someone used my card illegally. I also sent them a letter on XX/XX/XXXX that I DID NOT MAKE ANY OF THE CHARGES at XXXX. They have no reversed these charges, they have added late payments onto my credit card and have reported me 4 months late for a charge that I never made in the first place. 
It is now XX/XX/XXXX, and so far I have wasted 10 minutes on the phone and now being transferred to representative number 3, who is unable to help me. 
Something is very wrong with this card servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Following accounts that is listed on my credit reports are not complying with the Metro 2 standards, this is unfair, inaccurate credit reporting and I will pursue futher actions, XXXX is showing this account deleted Equafax is not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   - I requested my free annual credit reports from all three credit agencies  (   XXXX   XXXX ,  XXXX , Experian  ) .  XXXX   XXXX  and  XXXX  sent me their reports - no problem. Experian refused to send my report, claiming that I had received an Experian report within the last 12 months. This is wrong ; I last received an Experian report in   XXXX   XXXX    .     I tried to contact Experian, but all their phone numbers that I could find go to automated answering machines that only expected me to request a credit report. I sent an e-mail to them, but they sent a message saying they could not respond to individual requests.     How can I get them to pay attention and clear up this problem?     Thanks,  XXXX
Product: Checking or savings account

I paid for a puppy but the website where a scam page, I paid {$2000.00} for puppy we never receive. 
I open the claims and I provide all the messages and email the merchant send me but Bank of Americas refuse to chargeback people who scam us.
Product: Checking or savings account

On XX/XX/2022 at XXXX I went into the branch of Wells Fargo ( # XXXX XXXX ) to make a single deposit. The check was in the amount of {$15000.00}. I filled out the deposit slip with minus {$500.00} cash back. The Teller called for manager approval and the manager came over, reviewed the documents and approved the transaction. The Teller gave me my Transaction Receipt and no cash. I told the Teller that I wanted {$500.00} cash back. She said to re-enter my debit card into the charge master and re-enter the amount I wanted cashback, which was {$500.00}. My statement now reflects a deposit of {$14000.00} and a cash withdrawal of {$500.00}, which is incorrect as I only received {$500.00}. I called Wells Fargo Claims department on XX/XX/2022 to dispute this and have followed back up with a call on XX/XX/2022. The claim number is XXXX, which is still unresolved. My account needs to be credited back {$500.00}. I have lost trust in Wells Fargo to handle my money correctly and have no confidence that they have my best interest in mind.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have a 3rd party authorization in place to handle this on behalf of the owner, XXXX XXXX XXXX. I am her Realtor and she has granted me and submitted to Chase Bank, this 3rd party authorization. She was in arrears on her mortgage with Chase. She worked diligently with them and filed bankruptcy and it was all straightened out in XXXX 2015. The HOA had a lien against her in the amount in excess of {$7000.00}. Chase paid it off and this took it out of foreclosure status. However, on XXXX XXXX 2015 she received notice that the house still went to foreclosure sale and she no longer owner the property. She contacted Chase, who continued to tell her to do nothing - her mortgage was fine and they paid off the HOA. She recently suffered XXXX XXXX, is XXXX and spent 30 days in the hospital and rehabilitation center. When she got out, she arrived home to find an XXXX County Judge approved the locks be changed on her home and she could not access it. She was told the foreclosure took place in XXXX 2015. She has never received any constructive notice of a foreclosure, has no second mortgage and Chase continues to insist they have the current mortgage in good standing. She has attempted to get Chase to look into a possible improper foreclosure but they say they do n't have the ability to escalate it since it is current. She is without a home and all of her belongings are locked up in a house she is told a judge wo n't let her into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian closed the dispute stating that my report remains unchanged after their reinvestigation, yet I have a letter from the creditor that supports my position and can not update the dispute. XXXX XXXX 's letter is counter to Experian 's findings, and so Experian should update the dispute and fix my credit report.
Product: Debt collection

Date : XX/XX/2020 XXXX : {$1200.00} Action : I requested to cease all collection activities if they could not show proof of validity and to verifiable physically the documents to show if it belongs to me.
Product: Student loan

I received a letter from my student loan lender Northstar, which claimed that they would be suspending the repayment bonus for my loan. In the form letter it states that the T.H.E. Program was merely a gratuitous reduction but it is a contractual obligation. 

Northstar settled a similar suit in XXXX after it similarly suspended the program in XX/XX/XXXX under the justification of ongoing disruption in the global markets. That deal required the lender to honor the interest-lowering program for the remaining life of the loans.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted a XXXX XXXX to Repayment application for my student loans over XXXX months ago because my school, XXXX XXXX school of cosmetology, was disorganized, lacked proper teachers, and failed to provide an education that prepared me for the workforce. Despite this, Ive been waiting for XXXX months and my application is still in review. I was told that the process would take [ expected time frame ], but it has far exceeded that. 

Recently, I received a notice from my loan servicer stating that I am required to make a payment by XX/XX/2025. Since my application is still under review, I believe that my loans should be in forbearance or paused, as they are typically during the XXXX XXXX process. I contacted my loan servicer on months ago but they have not yet resolved the issue or provided clarity on why I am being told to make a payment. 

I am requesting that my loan servicer stop requiring payments while my XXXX XXXX application is pending and that they place my loans in forbearance until a decision is made.
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. 

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

Experian keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

During the Pandemic, I received rental payments from the XXXX XXXX XXXX. Due to the volume of applicants, the payments were sometimes untimely to the landlord, but eventually were paid. 

During a short window as the laws were constantly changing, the landlord sent an eviction notice ( although illegal ), and I subsequently ended up with a court date where I was given to the option to pay rent into the XXXX XXXX XXXX while the eviction was put on hold pending payments from the XXXX XXXX XXXX. I made payments into the XXXX 's XXXX ( see attached ), until I vacated the apartment XX/XX/XXXX. 

I.Q. Data International , Inc. added a Collection Account to the Consumer Reporting Agencies unbeknownst to me on or around XX/XX/XXXX for {$18000.00}. My monthly rent was {$1600.00}, and during the court appearance mentioned above the amount due at the time, was one month 's rent of {$1600.00}. When I vacated the apartment in XX/XX/XXXX, there was no balance due. 

I.Q. Data International continues to report this erroneous information to the Consumer Reporting Agencies as does XXXX although I've submitted the receipts and court documents to their attention. 

In addition, XXXX added a Comment to my Consumer Report that reads, I.Q. 's Reporting Meets FCRA Guidelines. I've asked them to remove that comment because it's not true and they will not remove it. 

Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested for the credit bureaus to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. Sent certified mail. 

Experian didnt investigate thoroughly and verified as accurate. I contacted FTC. This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. It's been deleted by the other credit bureaus. 

I will be pursuing litigation for inaccurate information thats not been verified and distress this has caused!
Product: Checking or savings account

NFCU was putting all my high bills first and letting the low bills sit in my account causing overdraft fees to occur.
Product: Debt collection

XXXX XXXX - XX/XX/year> - {$660.00}, {$1100.00}, {$880.00} & {$640.00} ( unsure as they have given all these amounts ) - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report
Product: Student loan

We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one in Texas Fraudulantly opened a FEB DESTINY credit card in my name and it is now on my credit report.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited. 

I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE. 

Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years. 

I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis. 

I thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, addresses, and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$140.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX. 

I do not have a contract with Eastern Account Systems. 

They have ignored my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

They have not provided me with the original contract as requested or any other requested information. 

Under the FCRA I am entitled to an accurate credit history. 

This inaccurate information is hindering my unalienable right to pursue happiness.
Product: Mortgage

I have requested a payment history in 12 emails and 20 telephone calls over the last 2 months. They have yet to send me my payment history.
Product: Mortgage

Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy
Product: Mortgage

We made payments to the original lender, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until it sold to XXXX XXXX XXXX XXXX XXXX and finally to Specialized Loan Servicing LLC XXXX XX/XX/XXXX. XXXX still holds XXXX Deed of trust on our house. Our first payment to Specialized Loan Servicing ( SLS ) was XX/XX/XXXX. No payments were missed. I called SLS XX/XX/XXXX to confirm payoff and maturity date as we were close to paying off. They gave me an amount of {$8600.00}. According to information I have it should have been around {$2500.00}. ( There have been some paymts deferred but not $ XXXX ). I have send them proof of payments from the bank from XX/XX/XXXX to XX/XX/XXXX. I have also emailed the prior lender who has advised me they have send all information including payment history to the new lender. SLS will not concede that all payments have been made. They tell me that I've made late payments and interest has incurred. They have told me I couldn't have paid that amount off in 15 years. None of this makes sense. I have been in conversation with a local banker and he has looked at my paperwork. It's a simple interest loan and there is no way I still owe them according to last matured loan full payment due notice showing {$7200.00}. I just want them to prove to me what they are saying and I don't believe they can because anyone would have foreclosed had we been that far behind on a loan. I have several documents to prove this point. You can even find complaints on a website : XXXX XXXX.