23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX i used my debit card to pay {$560.00} for a rental car service threw third party booking company called XXXX For the dates of XX/XX/XXXX XXXX XXXX XXXX from rental car company XXXX XXXX  when i arrived at the rental company they told me the car i paid for i was to young to rent, they told me my money was transferable to any car the have available, but they didn't have any other cars on the lot they didn't have any cars available for me and to request my refund from XXXX, XXXX denied me a refund. I requested to dispute the transaction with XXXX from my bank, chase bank, and submitted copy evidence of XXXX refusing to refund me and provided substantial proof and along with XXXX refund policy, chase bank looked over the documents XXXX sent to chase and denied my transaction dispute, favoring XXXX. I requested copy of documents XXXX sent to chase claims, and it was only a screenshot of the order confirmation, but was also told by XXXX claims they can not accept my documents of XXXX chat because they where screenshots.
Product: Credit card

This is the third time I have disputed the information that Citi is reporting to the credit reporting agencies. Today, XX/XX/2024, Citi provided an update to XXXX on my account ( documentation attached ) and continues to report that my account has a balance with a payment due ( and a status update date of XX/XX/2024 ). 

Pursuant to the agreement entered into with Citi on XX/XX/2024 ( documentation attached ), I made XXXX payments to settle the account in full. XXXX was paid as agreed on XX/XX/2024. XXXX 's payment was rescheduled to XX/XX/XXXX by calling Citi and requesting for the reschedule, which was verbally approved by the Citi customer service representative, and was paid as agreed on XX/XX/2024. The last payment was paid as agreed on XX/XX/2024. Following the third and final payment, the account was settled in full on XX/XX/2024, which was more than 30 days ago. Citi has acknowledged that all three payments were received and the account is settled in full ( documentation attached ). 

However, as of the new update sent to XXXX today, Citi is not reporting the payments made in XXXX ( XXXX ) or XXXX ( XXXX ) ( see documentation ). Previously, based on what Citi reported to XXXX in XXXX, Citi showed a date that the last payment was received as XX/XX/2024, but still reported in the payment history ledger that no payments were received in XXXX or XXXX ( documentation attached ). With the update that Citi submitted to XXXX today, the date of last payment received has been changed to reflect no date, XXXX is still showing as no payment received, and XXXX is showing as no data available. Basically, not only is Citi continuing to report inaccurate payment history but following Citi 's response/acknowledgement that all three payments in XXXX and XXXX were received ( see documentation ) and the account has been settled in full, Citi changed XXXX reported previously in XXXX to negatively impact my XXXX XXXX even more. 

Citi claims that the agreement on XX/XX/2024, did not say that they would report the payments I made based on the agreement to the credit agencies and that my payments do not count as meeting the obligations I have to pay Citi each month. This is abusive, misleading, and deceptive. Citi should be required to report timely accurate information to the credit reporting agencies based on the agreement dated XX/XX/2024 and the payments I made pursuant to that agreement should be reported as meeting my obligations to pay Citi.
Product: Credit reporting or other personal consumer reports

I sent in a dispute about fraudulent accounts reporting on my credit report due to identity theft XXXX XXXX Acct # XXXX and they verified the account with proof of a police report and a letter of my XXXX  when the account was open but they refuse to delete it
Product: Credit card or prepaid card

I received a series of letters from XXXX XXXX, Account Review Manager at US Bank indicating that they have selected to closed my personal and business credit cards. They have provided no reason for such an action. I have reached out to the company and their response is that they have the right to do so. 
I have asked for reasoning and rationale, and they have provided none. As they have cited XXXX separate accounts in a single review, referenced XXXX, the decision is not based on the activities of the account and the banking process, but related to the common point which is the owner of all accounts. As these series of actions is targeting me personally, I believe their action is racially motivated and is individually targeting me. In their letter they are referring to their Terms and Conditions, which allows them to close accounts for no reason. Though the Terms and Conditions allow for closing accounts for no reason, it does not allow them to close accounts for a reason and not provide that reason to the consumer. They are hiding behind their unjust Terms and Conditions that allows them to not provide any justification for their action, therefore, hiding behind the truth that their actions are unconstitutional. 
I like to have someone with legal authority look in to their action as I suspect there is an underlying company process that may unjustly affect many consumers.

I have had a personal and business banking relationship with US Bank for over 30 years. If they are closing a 30 year relationship without providing a reason, it must be because they feel that providing the reason for selecting me would jeopardies their company and give me justification for legal action. Those who have nothing to hide, do not hide behind their bogus Terms and Conditions.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX  TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ),  XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller  coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, has violated my rights. 

XXXX XXXX.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. 

I DINT KNOW THIS COLLECTION IN MY CREDIT COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights. I was like for all the inquiry below to be remove asap. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I noticed that Experian was show showing inaccuracies regarding XXXX Acct. I asked Experian and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. Experian fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from Experian. 
I then asked for method of verification and Experian claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting Experian. 
Instead of deleting the account, Experian 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted XXXX who reports to Experian and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
Experian refused to delete. I even sent proof that Experian was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still Experian refused to delete account. 
Experian is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I purchased the following furniture ( a dining room set, a bedroom set, and a coffee table ) at a furniture store in XXXX. I was told that I was qualified to purchase the furniture items on credit and that I didn't have to pay the full amount for 6 months. I was also told that the documents pertaining to that purchase would be sent to me either in the mail or via email. Few weeks later I did not receive any documents so I called the person that I purchase the furniture from. He told me not to worry about it, that I would get it soon and that I had 6 months to pay. As time passed by I got busy with life, as Massachusetts was a new XXXX for me and working a new job. In XX/XX/2018 I called the person from the furniture store where I bought the furniture and that's when he mentioned that it was a third party that lent me money to buy the furniture and that I would have to get in touch with them to find out the statements in regard to the purchase. He then told me the company is called XXXX and then gave me their phone number. This whole time XXXX was taking $ XXXX on my account every XXXX weeks and by then they had already taken a total amount of {$4600.00}. The original price for the furniture was {$3200.00}. They also then told me that there was a remainder of {$2500.00} that I would have to pay to finish paying on the account. I spoke with XXXX representatives at XXXX about the matter and they both told me that I have to pay at least {$1200.00} to close the account. Due to financial hardship I don't have that amount of money to pay XXXX considering that they've already taken an excess of {$1300.00} on top of the original price of the furniture. Since then XXXX has sent my account to collection and that has dropped my XXXX XXXX tremendously. I tried to resolve the issue with them and even offer to pay {$700.00} to pay off the account and have the matter rectify on my credit report but XXXX refuses to work with me. At this point I would like XXXX to stop their deceptive practices towards the consumers and place my account in good standing with the credit bureau as it should have been.
Product: Mortgage

I had a conventional, and what I believe to have been a gov backed mortgage or XXXX with XXXX from XXXX, loan number XXXX. In XXXX, because of health issues, I had to file for chapter XXXX, but re-affirmed my mortgage, and my payments continued, and never missing a payment. The information and payments continued to show in my credit report. 

In XXXX, 7 years later, my new loan servicer was Select Portfolio Services. ( SPS ) account # XXXX, and I have been making payments to them, never missing a payment. However, these payments did not show on my credit report. 

I have been trying to determine if my new mortgage is still backed by the fed, or XXXX. I have contacted SPS, they said no, it wasnt in the screen as backed, but I am almost sure it was with XXXX, so if the loan terms on the conventional loan from XXXX should legally be transferred to SPS, what happened? 

Because of COVID-19, I am looking into this loan, and now quite nervous of its handling. Recently, I asked for a copy of the re-affirmation documents, and SPS said they didnt have them. 

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

I am a natural person.I am a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violate my right numerous of times .I demand the accounts listed to be remove because According tp 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts
Product: Credit card or prepaid card

On XX/XX/2022, I tried twice to activate XXXX XXXX and failed and a number came up for me to call help. A Tech answered and he tried and it failed and then he asked if I had logged into my XXXX account from a different location because he said that it was showing that I had just logged in in XXXX XXXX  and XXXX. I told him " no '' and he said not to worry that he could fix the problem, but that I needed to first download a XXXX XXXX XXXX and then he needed to show me that my Ip address was public and we needed to make it private. He begin navigating through my phone to my XXXX account and to my Bank accounts then he told me to go to the nearest XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX to purchase specific Gift Cards and specific amounts and it must be done quickly to show that I was indeed not in the other places that he mentioned. I questioned him, " why '' and He said that XXXX was putting the money back into my account not to worry. He needed me to stay on the phone and not hang up. After purchasing the Cards, he told me to open them up, scratch off coating, take pictures of the cards. When I got back home he activated XXXX XXXX and told me that he would call me back in about 10 mins. I waited and no call came. I called the number on my Caller ID and the number was disconnected. I called my bank and reported the Fraud and All the Funds went back into my account. I called The Crime Victims Center and they put my call through to the Senior Citizen division who advised me to file a police report and an Identity theft report with the FTC and to notify The Attorney General. I also contacted the 3 Credit Bureaus and froze my credit accts. A few days later the charges were back on my credit card account, so I called and they said that there was No Fraud. I reported to XXXX as well and called the phone numbers on the backs of the Gift Cards to do a report. I sent two letters to my Credit card Company 's Disputes Department. They say that they have a Zero-Policy for Scams! The Gift Card amounts totaled {$1900.00}. I didn't know I was being scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Equifax to accurately report my XXXX  XXXX. of XXXX XXXX. I am in the process of purchasing a home and it is of the utmost importance that my credit report is accurate. I have found it to be very difficult to get my account investigated and updated on my Equifax credit report. The latest attempts occurred on XX/XX/2020. I requested to have my balance and payment history updated as my account was showing a balance of {$4900.00}. The actual balance of my account as of XX/XX/2020 was {$0.00} when Equifax notified me the account was verified. I have included an attachment of my payment history which shows this account had a {$0.00} balance. 

I notified Equifax again via Certified Letter on XX/XX/2020 that my account is reporting inaccurate information and I wanted to give them a second opportunity to correct it before filing a complaint. On XX/XX/2020, the balance has been finally corrected. However, the account is still reporting the following information inaccurately : - Payment History - Last Payment Date - Date of Last Activity - Highest Balance - Shows Collection Account which is very inaccurate - Account Number It should not have taken this much effort to have my account updated. I ask that you please file a complaint against this company for their unfair practices. Inaccurate information could not only cause me to be denied for a mortgage, but could also result in a higher rate.