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

On XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties.
Product: Credit reporting or other personal consumer reports

Today I checked my account and I notice a few items on my report that are inaccurate which is causing my score to be decreased significantly. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( XXXX ) A states 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. ASAP.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding their refusal to honor the welcome bonus offer associated with the XXXX XXXX credit card. I believe this matter warrants investigation and intervention by your esteemed organization. 

I applied for the XXXX XXXX credit card from American Express on XX/XX/, and the terms and conditions clearly stated that I would be eligible for a welcome bonus of of XXXX XXXX XXXX Points after {$4000.00} spending within the first 3 months. 

Throughout this period, I consistently checked with American Express agents who confirmed the welcome bonus details and provided updates on my spending progress. However, upon completing the requirements, I discovered that American Express had failed to credit the promised welcome bonus points to my account. Despite my attempts to resolve the issue through multiple contacts with their customer service department, the matter remains unresolved. 
( If Amex can provide the full chat history back from XXXX which I failed to fetch via its APP, it can prove more clearly how Amex continuously confirmed my offer and encouraged me to spend more meeting the offer requirement ) I believe that the actions of American Express in this regard are misleading and deceptive, which is a violation of consumer protection regulations. It is my hope that the CFPB can assist me in obtaining a fair resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and a positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXXXXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXXXXXX Balance : {$40000.00}, XXXX XXXX Balance : {$30000.00}. 
XXXX XXXX XXXX Balance : {$1400.00} tied
Product: Credit reporting or other personal consumer reports

XXXX has reviewed the information from their Bankruptcy XXXX and determined the data being reported as unverifiable and been removed so therefore why is Equifax still reporting this bankruptcy on my credit report
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.
Product: Debt collection

I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband and I have not received our payroll deposits for the week. Capital one is days late depositing our funds to our account. They are not providing updates regarding access to our money. They continue to send bills for their credit cards knowing they have our money locked up.
Product: Debt collection

I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. 
( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was incarcerated XX/XX/XXXX and released XX/XX/XXXX I provided proof to XXXX XXXX and the reporting agencies. 

In accordance with the fair credit reporting act XXXX XXXX  Account # 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 purpose.
Product: Credit card or prepaid card

I discovered unauthorized XXXX charges on my card in XX/XX/2020. Citicard notified me via email of suspicious activity within around 2 days of the charges occurring. I reported the charges as fraudulent within an hour of receiving this email notification. During this time several XXXX charges were made to my card. I disputed these charges with Citi and advised them that I have never used XXXX. I have spent hours talking with Citi for the last 3 months and they have not been able to resolve this dispute for all XXXX charges. They have been working on this but every time I talk with someone they don't have the authority to help me and need to get a supervisor. It is like they are reading from a card or script when helping me. I have paid my statement balance for the last few months minus the XXXX charges. I have now cancelled my card with them but I do not feel it is fair to make me pay for fraudulent charges. 

CitiCard XXXX Trip - XX/XX/2020 - {$55.00}
Product: Credit reporting

Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Product: Credit card

I believe that Chase has improperly applied payments to my credit card in the wrong order. 

This has happened twice. I had a promotional balance of some thousands of dollars at XXXX % interest, and an purchase balance of a smaller amount for about XXXX %. When I made a payment, Chase split the payment according to the percentage owed so that not all of the purchase balance was paid off and accrued interest. According to the XXXX of XX/XX/2009, XXXX Chase ought to have applied my payments first to the high-interest balance, then to the XXXX % interest balance. 

I should add that the clarification relating to deferred interest payments does not apply in this case, because I was also not anywhere close to the last XXXX billing cycles preceding the expiration of the deferred interest period.
Product: Mortgage

I recently had a loan transfer from XXXX XXXX XXXX to Shellpoint Mortgage ( New Rez ) effective XX/XX/2019. I had automatic payments setup through XXXX and when the loan had transferred I followed the instructions given by Shellpoint and setup an online account with banking info to setup automatic payments. Unfortunately on XX/XX/2019 there was a withdraw for my mortgage of {$2900.00} taken from the account I setup for Shellpoint online and taken from the account that was previously setup for my XXXX by Shellpoint. In short I made a double payment and one of the payments I never authorized Shellpoint to withdraw from my XXXX checking account. Since the double payment was taken I've made at least a dozen phone calls to Shellpoint for a refund and in the beginning was told to email my info over for both accounts to verify there was a double payment and we will issue an immediate refund. I still haven't received a refund and last Thursday XXXX I was told it would take 2-3 weeks but a supervisor will call me back in 24-48 hrs. I missed a call today from a supervisor only to get there generic 1-800 call back number and when I call they have no answers and a supervisor will have to call you back.
Product: Debt collection

I saw In XXXX on XXXX XXXX that I had a past due amount in collections for {$4600.00}. I called Jefferson Capital who is the debt collector and they said they could get rid of the debt for {$270.00} XXXX time charge and a {$99.00} per month membership. I declined the offer and decided to reach out to XXXX directly. I told them about XXXX weeks ago what happened and gave them my full name and social to look to see if there was any kind of account current or past. There was no account and they said they would send it to higher ups and send me an email with an update. I never received an email so I filed a report with identity theft.gov. I received XXXX emails XXXX from identitytheif.gov and one from Jefferson capital that they both received the complaint. Then I reached out to XXXX through the XXXX help XXXX and got them to search through the database again and still no account. I then asked if they would write in response stating that theres no account and never was and I screenshotted everything.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX I was double charged for an unauthorized purchase on my truist credit card and I have not received my refund for the unauthorized charge of XXXX plus interest since XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

CCS ( credit Collection services ) had written to me in an attempt to collect {$230.00} that they stated is due from a property insurance policy issued for XXXX XXXX XXXX XXXX XXXX, MI XXXX from XXXX XXXX XXXX. I informed CCS that the alleged debt is not owed due to the fact that the insurance policy was to be flat cancelled as I never became the owner of this property in a contract sale. XXXX XXXX was paid on my behalf. I submitted proof of the official municipal ownership records to both CCS and XXXX XXXX to indicate I was never the owner at any time of this property and I lack legal insurable interest to receive any insurance payments, thus the insurance contract was null and void. XXXX XXXX failed to handle this flat cancellation correctly and has appointed CCS to aggressively pursue the fraudulent collection. CCS disregards their duty to properly substantiate this invalid and erroneous debt after receiving proof that I do not own this property.The closing agent has even contacted this company as well. CCS has proceeded to report the derogatory information to all 3 credit reporting bureaus which has harmed my credit. I have filed a complaint with the michigan insurance department and I may take legal action against the company with the Federal Trade Commission if there are any violations of standards to the fair debt collection practice or other acts.
Product: Debt collection

I have asked this company to remove this debt, and they were originally under a different debt collector name, switched names and they are now showing up as diversified adjustments. This is completely illegal, and I will pursue legal action if this debt isn't removed.
Product: Credit card

I was a victim of identity theft in XXXX of XXXX. My phone number, email, social security number, checking and savings accounts along with various credit cards in my name were all hacked. I was able to resolve all of the above issues except for my XXXX XXXX Chase XXXX cards which I had not previously used. Someone was able to obtain the card information and download it onto their phone ( I still have the card in my posession ) they then charged in XXXX day almost {$10000.00} to the card from XXXX. I have reported this several times to Chase and they have said they have investigated but not removed the charges 3 times. The last time I called on XX/XX/XXXX, they reopened investigation again and asked me to send a copy of my credit report showing that I have a security freeze on my account which I did. They said they would respond in 4 days but when I called again this morning, they gave a run around answer and said it will be XXXX more days. I am currently battling XXXX  XXXX XXXX and the added stress of this situation is detrimental to my health. Please advise if you can help. 
Thank you, XXXX XXXX
Product: Mortgage

I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.
Product: Mortgage

We were denied a low interest mortgage modification by Wells Fargo mortgage. The first thing Wells Fargo mortgage told us was that we needed to be behind on our payment before we could get any help or modification from Wells Fargo. 
By making us believe we needed to miss a payment or be behind on payments Wells Fargo misrepresented, the truth and knowingly, put us in a position where we could not qualify for a low interest government modification. Subsequently we were denied a modification because of a missed payment in 2018. I want to apply for a pay out from the XXXX XXXXXXXX settlement because of Wells Fargos misrepresentations, lies and manipulation that lead to our foreclosure.
Product: Student loan

My complaint is against XXXX and Mohela. 

During the last week in XXXX, I spoke with a representative from XXXX about the SAVE program and I decided to apply because the rep explained its benefits. The federal government is touting how easy SAVE is, but lenders like XXXX are not making it easy. I applied for SAVE manually because I am making less money than last years XXXX. XXXX requested I submit my paystub to them, even though I already submitted to studentaid.gov. The XXXX website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take XXXX days. I received an email today that it would take another XXXX days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding Mohela : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach Mohela because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed XXXX complaints on studentaid.gov and I contacted my Congressperson as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my fiance ( XXXX XXXX ph : XXXX ) refunded my half of the rent in the amount of {$500.00}. Then sent an additional {$500.00} so i could purchase a money order as she would be working late. the {$500.00} she sent was successfully deposited, but the {$500.00} that she refunded to me disappeared. We have spent hours trying to get this resolved. We both have called Cash App support and they continually tell us that its been refunded and that we need to speak to the bank. However, when we go to the bank they have told us that it was never refunded into his account and theres nothing that they can do without a pending transaction to work with, its been over a month and {$500.00} is too much to just chalk up as a loss. Cash app is unhelpful and we dont know what else to do at this point please help us the bank has no access to any pending transaction and can not help us. Cash app will not help us, and the money has disappeared. I have photos of the chat messages between cash app support, and ourselves. I have requested that they three-way call XXXX ( my bank ) and myself so that they can hear from the bank that it was never sent back, but they refuse to do so. I feel like if both the bank and cash app were to be on the phone at the same time we might be able to resolve the situation, but cash app will not do that