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

I have identity theft since XX/XX/2023 and there was a hard pull from XXXX XXXX in XX/XX/2023. In the meanwhile, I have mail theft happening in my home, my mail was constantly missing so I didn't notice the fraud account in XXXX XXXX until police came to my door investigating the mail theft, and then I found XXXX XXXX 's statement about a balance in the fraud account. At that time the balance is around XXXX, under the credit limit XXXX. I called XXXX XXXX to close the account and they said they would do that. But the next day, I found the balance increased to around XXXX. And one week later i received their investigation result, saying I was holding reliable for the balance. I think XXXX XXXX didn't do the investigation and it brought me a lot of problems, I was dragging into the loophole to make calls again and again, just get the result I was still reliable. They won't tell me anything about the transaction in the credit card. I think it should be XXXX XXXX to fully investigate this case not asking me provide evidence again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my report with XXXX there for US Bank on XX/XX/22 and XXXX on XX/XX/22 I did not authorize these two inquiries. I contacted the credit bureau they advised me that I had to reach out to the creditors, I called the creditors and they advised me that they have no knowledge of what the inquiries are for because they dont see any applications. I told XXXX that and they told me that there is nothing that they can do unless I get a letter from the creditors saying its ok to delete the inquiries from my report. Non the less I need assistance with obtaining these letters from US bank and XXXX to give XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I went online to open an account with XXXX XXXX XXXX XXXX. For some reason the online application did not allow me to finalize the account and kept showing me an error message. So I cancelled the setup and did not try again. On XXXX I received an alert that XXXX XXXX XXXX XXXX ran an inquiry on my credit report without my authorization. I called XXXX XXXX on XX/XX/2018 and spoke to the customer service department and explained to them that I was not able to complete the account, therefore I have no account or agreement with them. Furthermore, I was applying for a bank account not for credit and no where in the signup process it said that they would run my credit. I have not signed any documents authorizing them to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If they are in possession of any document that they believe authorizes XXXX XXXX XXXX XXXX or your their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they'll agree that verifying the information is in their best interest. 

Respectfully XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I had multiple transactions through Zelle that were wiped from my history that were cancelled with no refund.
Product: Credit card

XXXX XXXX XXXX ( ex Girlfriend ) opened credit lines without my knowledge and consent, she stole my social security card information to do so
Product: Credit card or prepaid card

Ive paid this account off many times through the XXXX yrs the account has been open, currently with a XXXX balance for few months, it was closed on XX/XX/2023 for I was told in part that the " scoring system they used to predict your creditworthiness ''. You cant predict anyones credit worthiness! I find that discriminatory!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information.

Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Monthly payment - Past due amount {$1500.00} Terms 1 Month Responsibility Individual Your statement-
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I filed for free credit report from Equifax on the XXXX. Equifax rejected my online application and said I was required to file a written request by mail, using a form supplied on the website. I did so and mailed the request within a day or two. 
On XX/XX/2021, I received a letter from Equifax stating, " Our records indicate that a free copy of your credit file already has been sent to you within the past 12 months. '' This is in violation of the language on the website that states, " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' The letter from Equifax continues by stating, " If you want to purchase your Equifax credit file and/or your credit score and have a major credit card, you may use our automated ordering system at XXXX. '' There is no phone number or other provision for communicating with Equifax for assistance. 
If I am experiencing this problem, I'm sure that other individuals must be having the same difficulty. I would ask for you to enforce the promise of free weekly credit reports from Equifax. Also note that XXXX and XXXX supplied free reports promptly and without any issues.
Product: Credit card or prepaid card

My Lowe 's Advantage credit card was closed and the company is requesting that I, a natural person, the consumer make payments to them. I called and asked why was my account closed and they said it was because there 2 automatic payment attempts that did not go through. This is due to the companies billing error. 15 U.S. Code 1666 - Correction of billing errors. This was an adverse action pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

Pursuant to 15 U.S. Code 1666b. Timing of payments ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

This account is supposed to be an open end consumer credit plan. 15 U.S. Code 1637 - Open end consumer credit plans.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I had a Discover card that was closed after many years of service due to an improper charge. I received a new card and online I completed the autopayment option for a bank account at XXXX bank. The online portal showed it was accepted. I received my bill and it now shows the payment did not go through and I have been charged a " returned check fee ''. I was informed on their site that the payment was made. It is not my fault it was not. I have now contacted Discover Card and I am told their " payment system is currently down '' and I still can not make a payment. I should not be charged a returned check fee and I should be able to pay my bill without incurring these additional charges because their computer system is down. I have closed my account and I am trying to make payment but now I am also locked out of the system because my account is in closed status. I am XXXX XXXX XXXX and I am trying to just pay my bill as I intended by setting up auto payments. I have taken screen shots of my online exchanges which they admit their payment system is down. Please help me.
Product: Student loan

I have been dealing with Navient over the past few years since they took over my loans from XXXX. I have had three phone calls in the last few months trying to figure out an option to help lower my payment and avoid negative credit reports. I have been working part time and going to school as well. My husband works full time and we have XXXX small children in daycare which my parents help pay for as we ca n't afford it, but we have to work. Every time I have tried to figure out a way to make some sort of monthly payment that is lower they tell me there is nothing to do to help my situation and I should have someone help pay them. There is no one to help and no hidden money. We ca n't afford what they want. They call me at all time of day and night. I do not know what to do as they simply will not work with anyone to make things work.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX XXXX XXXX  # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect 4 LAST PAYMENT : Is Incorrect. 
I include credit report from XXXXXXXX XXXX and Transunion where the different can be seen.

( Include copies of the letters sent to the Credit Reporti
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. Trans Union hasnt removed anything. XXXX is still investigating.
Product: Money transfer, virtual currency, or money service

I am filing this formal complaint regarding a fraudulent check deposit that was processed by Bank of America without proper endorsement verification. 

Issue Summary : On XX/XX/year>, a check in the amount of {$3400.00}, payable to me, was fraudulently deposited at Bank of America. However, I never received these funds. 

Upon investigating this matter, XXXX XXXX, the payor bank, confirmed in writing that Bank of America, as the depositary bank, was responsible under UCC 3-420 for ensuring the authenticity of endorsements before accepting the deposit. XXXX XXXX has denied liability, stating that they paid the check in full and that the burden of verification rests with Bank of America. 

Supporting Evidence : I am attaching XXXX XXXX official response, which explicitly states : Uniform Commercial Code ( UCC ) generally places the burden on the XXXX XXXX  in the collection chain to ensure that the requisite endorsements are present and authentic. 
Since XXXX XXXX was the drawee/payor bank and not the bank of the 1st deposit, it is not liable in conversion under UCC 3-420 .

As the check was deposited at Bank of America, it is Bank of Americas responsibility to address this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number Account Name Account Number 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 3 . Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

Suart-Lippmann, & Associates , Inc. is aware that they are agents of XXXX who is currently under federal investigation ( EEOC ) as per the current case number : " This is a reminder that you have scheduled an interview with the EEOC to discuss the inquiry you submitted online ( XXXX ). Please note the following information about your interview : The interview will be by-phone Time of interview : XXXX XXXX  Date of interview : Friday, XX/XX/2019 At the time of your interview, please have the password for your EEOC Public Portal user account with you. 

If you are unable to keep this appointment, please reschedule or cancel it. 

Sign-in to Reschedule or Cancel Appointment '' As such, any and all debts assigned to this case are to be withheld pending the complete investigation by the EEOC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Subject : Dispute of Inaccurate Late Payment Report XXXX XXXX Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the XXXX XXXX format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards for accuracy and completeness : Account Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date ( XXXX ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The XXXX XXXX format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history. 
Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken. 
Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I mailed my letter to Mohela and it was delivered. My USPS tracking number is XXXX. Their company violated my Federal protected rights. Under 15 USC 1681 I have a right to privacy. They failed to provide me with any of my privacy disclosures after I requested they send them ; before they shared my non public personal information. With non affiliated third parties. As pursuant 15 USC 6802 ( b ) Obligations with respect to disclosures of personal information-. When I spoke to the associate on the phone on XX/XX/2023 they told me that they dont have any privacy policy nor do they have any option for a consumer to opt-out of any non public personal information from being shared to non affiliates. And after being on the phone for a long XXXX mins. She then informed me that she is emailing me my notices. But after review them it became very clear that the documents they sent to me didnt correspond with the FCRA in regards to the sharing of non personal information to third parties. I went on to explain to the employee that under federal law I am suppose to be given three disclosures if their company wants to share my non public information with third parties ; none of which was provided. They have not provided me with a privacy notice that explains what type of non public personal information they collect, how they use it, and how they protect privacy. Next is my opt out notice If the company wants to share my information with third parties they must give me an opportunity to opt out of such sharing, and finally is my annual privacy notice which should be given to me annually with any changes made to the last privacy notice as well as my option to opt out of my information being shared. Below I will attach the so call privacy notice they sent me along with my letter I wrote to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update/remove an outstanding debt of {$65.00} to XXXX XXXX. A copy of the money order was provided and XXXX XXXX  contacted them to confirm the debt was satisfied however they refuse to update the information.
Product: Mortgage

XX/XX/XXXX **Dear CFPB : Please do not forward this complaint to any other agency. If OCC or some other agency is more appropriate for this complaint, please notify me. ** To Whom It May Concern, On XX/XX/XXXX, I closed on a mortgage with Citibank. Citibank admits they are the current noteholder of the mortgage, # XXXX, based on conversations I have had with them this month. 

In her phone call to me earlier this month, CitiMortgage Vice President XXXX XXXX stated that they use a vendor, XXXX, to service/sub-service the mortgage. 

This complaint is against Citibank for not properly supervising their vendor ( XXXX ) who has been repeatedly negligent in servicing my loan. This complaint is also against Citibank for routing complaints and QWRs I have sent them to another company ( i.e., their vendor ) without my consent, even when such complaints were solely requesting response and renumeration from Citi. 

Citi 's vendor has been negligent and deceitful & their vendor has claimed for some complaints they will not respond at all & for others, they sent responses which were outright false. I never signed for a mortgage with Citi 's vendor XXXX, and while it is fine to ask me to send payment to a vendor and process transactions with a vendor, it is reprehensible for Citi to continue to forward my complaints to the vendor ( or to suggest I send my complaint directly to the vendor ), especially given their vendor 's ( XXXX 's ) heinous conduct even in their complaint response process. 

As complaints have already been filed regarding my servicing issues, this complaint is solely regarding Citi 's conduct in not supervising the vendor & Citi 's conduct in involving a vendor in my complaints to them rather than responding directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.