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

I accidentally got locked out of my account and now they will not let me replace my phone number and get into my account! I've called and they've keep telling me that they are trying to work on it but never get back to me!
Product: Checking or savings account

I called Citibank ( XXXX ) on XX/XX/22 at XXXX XXXX to close my Savings Account. The Customer Service Agent advised they could not close my account and gave me another number ( XXXX ) to call to close my account. When I called that number, they stated I needed to provide them with my account number and social security number. They then asked for my credit card number because they needed to charge me {$4.00} to proceed with closing my account. This did not sound right so I hung up and called the original Citibank number back. This time the Agent said they could help me and they closed my account. Unfortunately, someone has my account number and social security number and I don't believe it's actually Citi, even though one of their employees gave me the number which I verified was correct with them before calling.
Product: Credit reporting or other personal consumer reports

My mortgage with Guild Mortgage was paid off on XX/XX/2024. Loan is still showing as active, delinquent, and with a balance. Credit reports show that this loan reports on the last day of the month. 

This delay in updating the mortgage with the credit bureaus is having a deleterious effect on my credit and impacting my mortgage loan application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX  XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX  XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I applied for a mortgage refinance on XX/XX/XXXX with TD bank. 
It is now XX/XX/XXXX and TD have not closed on the refinance. 

I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me. 

TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close. 

They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan. 

The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo. 

I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building. 

I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire. 

I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XX/XX/XXXX XXXX5 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies EXPERIAN, XXXX & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. CFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm works by allowing you to take a line of credit to make purchases. On Friday XX/XX/year> I received an email with details about a loan I DID NOT take out. When I checked my account I saw two newly opened lines of credit. One for XXXX and the other for XXXX XXXX XXXX. I called and reported this as fraud immediately. I was told at that time i would receive a call back from the fraud department within 5 business days. Then on Wednesday XX/XX/year> I receive another email about a new loan. When I logged in this time it showed 3 more open loans for XXXX XXXX XXXX. I called again and was once again told I would get a phone call back. I still had yet to get a call. I called again on XX/XX/XXXX because i tried to log in but was told the account was now locked. I was again told I would get a call back from the escalation team. No phone call. Called again XX/XX/XXXX and was told it was escalated and that they cant do anything else until the fraud time can research. At this point I cant access my account and I do have a valid loan with them that I have been making payments on for months. I hope its resolved before its due again.
Product: Credit reporting

I have spoke with someone several times regarding hard inquiries that do not belong to me I recently sent them a letter regarding these inquiries along with proof of my driver 's license they are being very uncooperative about the situation I am Desperately Seeking help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX XXXXt XXXX, XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 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.
Product: Debt collection

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health  issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
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 https : //www.ftc.gov 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 XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT AND CONTAINS ANOTHER LETTER FROM EQUIFAX DEMONSTRATING THE CONTIUNUED NEGLIGENCE AND ISSUES. 

Equifax once again sent the enclosed letter, twice in fact, stating that they need the information that has been supplied to them DOZENS of times. This includes the information I provided the CFPB that should have been forwarded at the same time in my last complaint. 

The letter - attached - clearly stated that they would block the information that is fraudulent should I provide the information that was provided to them ALREADY that generated the complaint. 

It is CLEAR that this is a CANNED letter and no agent is actually reading the information that is sent to them, as it contained every specific item that the letter asked for - often multiple times- in XXXX plus attachments sent to them. 

The agency continues to " kick '' the issue down the road to vendors who care little about the issue of fraus and simply want to force someone, including the victim, to send them monies. 

As a victim of fraud, clearly shown in law enforcement, FTC complaints, CFPB complaints, and multiple letters from other vendors showing how widespread the fraud was, the agencies are legally obligated to block these items should the vendors refuse to do so. 

The vendors simply return the account information and the agency then says the information has been " updated '' and is " accurate. '' This DOES NOT mean it is legitimate and is owed by me, or demonstrate it was not fraud. 

EQUIFAX NEEDS TO BLOCK THESE ITEMS IMMEDIATELY. 

I was denied housing due to this lack of action. 

I am XXXX and the father of an XXXX XXXX and both of us ( as the law enforcement report shows ) ar eth XXXX XXXX XXXX XXXX XXXX XXXX. We are fleeing the situation and this is now placing us on the street.
Product: Mortgage

On XX/XX/XXXX I submitted a complaint to CFPB regarding inappropriate actions taken by Shellpoint Mortgage/New Rez, the mortgage servicer who services my home loan. Shellpoint was not paying my taxes on time despite receiving monthly escrows and constant phone calls from me urging them to correct this error. On XX/XX/XXXX I contacted CFPB for a status update since I hadn't received any feedback. In turn, CFPB shared a letter addressed from Shellpoint to me indicating that they acknowledge the error ( see attached ). However, Shellpoint also said that due to anticipated tax increases my escrow payments will be increased.This is not accurate because ( 1 ) my property taxes have not changed and are not scheduled to change anytime soon ( see attached tax bill for 2020 ), ( 2 ) in NJ property taxes do not change unless your property has been altered, which is not the case in my situation and 3 ) taxes are determined XX/XX/XXXX of the previous year, so my taxes are pre-determined. " In New Jersey, taxes on real property -- land and structures -- are assessed based on their value on the first day of XXXX of the year that precedes the first installment of the tax bill. Your property tax bill is divided into four installments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' I have been in the same house for nearly 17 years. 
Based on the above, there is no basis for Shellpoint to increase my escrows. Again, my desired resolution here is to be allowed to pay my taxes directly as I do not trust the practices of Shellpoint ; they are known to be nefarious. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX ID : XXXX, I am a victim of the XXXX XXXX with Equifax. I have notified Equifax of this matter and sent required statements, identification, and documentation for their XXXX to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/year> ; it is now XX/XX/year> and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Equifax takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX  XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX and transunion notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Debt collection

Credence resource management has listed a debt on my credit reports that I do not recognize. I do not recall receiving validation of this debt nor any information regarding to this debt. There is no account number listed on my report either to verify. The amount of debt is {$620.00} and was deleted XX/XX/2022. I would like this account removed as it is damaging my credit.
Product: Money transfer, virtual currency, or money service

I sold XXXX LTC Litecoin on Coinbase at {$220.00} per LTC. I was to receive the amount of {$720.00} back to my XXXX XXXX account ending in XXXX, on XX/XX/2017. Also, on the same day, I sold XXXX BTC Bitcoin at {$12000.00} per BTC. I was to receive {$130.00} to my XXXX XXXX account ending in XXXX on XX/XX/2017. 

I have yet to receive any money to my account. I tried calling the Coinbase customer service several times, and after being left on hold for hours at a time, and being hung up on instantly, once the call gets through, I decided to take further action and contact you guys.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in the national data breach reviewing my credit reports i notice some accounts i am unfamiliar with i have asked the cra for validation of debt however the information has not been provided due to my information being exposed i have submitted a XXXX complaint reporting the information Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD CAPITAL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 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 XXXXXXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX AUTO FINANCE XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX FCU XXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX/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 RENT GROW XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Text message than phone call from XXXX Needed to send money to reverse zelle non authorized payment. Said they worked in XXXX bank fraud department.