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

I have a problem with the credit bureau because my credit never ever ever goes up. I always pay everything on time and have a decent amount of credit. I am not getting fair treatment and my credit should be XXXX but never goes up and it is very upsetting, the bank and other companies have told me to reach out directly I need my credit to go up and I feel I am not being treated fairly
Product: Credit reporting or other personal consumer reports

The company listed as XXXX XXXX on my account has reported incorrectly siting my rights as an individual protected by the FCRA. 15 US CODE 1666B TIMING OF PAYMENTS Under this law a creditor may not treat a payment on a credit card account under and 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 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I also choose to opt out of credit reporting from this company.
Product: Credit card or prepaid card

I recently received my federal taxes and used a good portion of it to completely pay the balances on both of my Capital One Credit cards. Both payments were paid instantly out of my Fidelity Cash Management Account and funds were deducted in real time. This was on XX/XX/XXXX. 
3 business days later I tried using my credit card for some diapers and milk, etc..and my card available credit is still XXXX. On both cards! 

I called customer service TWICE! The first time I spoke with someone I barely understood and they told me they placed an 8 day hold on my account, but then they were gon na reverse it after calling my bank to verify the funds were released. Well because of the while XXXX trading app debacle, fidelity has seen an increased volume in phone calls from people switching brokerage firms and we were on hold until I had to leave for work. So I ended the call with no resolution. 

In the meantime I logged onto my banking app to confirm and found out that the double dipped BOTH PAYMENTS!!! 

I called back again today and got someone in an American Call center. However, this person was adamant on not helping me. She told me there was nothing she could do even after yesterday there was a solution being attempted. I escalated to a manager. His name was XXXX. He literally patronized me the while time. " I understand, I apologize, blah blah blah. '' So I explain to XXXX that this is unacceptable that just yesterday a rep was calling my bank so they could release my available credit, and now they aren't even interested in helping me at all. 

I told him I should just close my account if that's how they treat a loyal customer, and that dude literally didn't even care. Straight up just said eff you, we have other customers, and closed one of my two accounts almost instantly. 

I'm so sick of credit card companies XXXX on poor people and holding their money for unjustified reasons. It was an instant debit payment from a Cash Management account. No XXXX way does it take 8 days to make sure you got the payment. They could have called my bank tonight to verify and kept a customer satisfied. Instead, the chose to not give a XXXX. I've attached a screenshot of my actual account SHOWING the payments being taken ... ..TWICE!
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information currently being reported on my credit file with TransUnion, XXXX, and XXXX. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my accounts.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The folloeing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had a 2nd mortgage with XXXX XXXX  and the loan was sold to XXXX servicing after a XXXX that occured in XXXX. We contacted XXXX specialized loan servicing ( this was in XXXX ) and they told us they could not do anything due to the XXXX. I never received any letters or communications until XXXX. Never received any statements or demands for payments. Then out of the blue they sent us a notice of default. This seemed very strange as in XXXX we refinanced our first mortgage with XXXX XXXX and at the time a title search was done on the property and the so called XXXX lien did not show up. The home was refinanced and a full insured title policy was issued. In XXXX we refinanced again and no lien ever showed on title to XXXX and we did receive a full final title insurance. Now we are getting threats from Shellpoint Mortgage who states the took over the loan from XXXX and they are stating we owe them over XXXX and saying they will be filing a notice of default. We have outstanding credit and are very concerned that this will effect our ratings. I have sent letter out to prove that they do not have any outstanding mortgage on the home and i sent a full title policy showing it was insured with the XXXX refinance but they still keep sending us letters saying they are going to forclorse on our home. I have sent a demand letter to resind the notice of default, i have requested verification of the debt from them, i have requested cessation of collection activities as well but still no action on their part.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers in der section 6.11.As a result, I have been gravely affected by this with my score suffering as a result of the glitch. No notice was given which is a violation and I am requesting that All inquiries listed be removed. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX requesting that they validate, not verify, a debt that they are attempting to collect from me. I asked for s signed agreement/contract and other supporting documentation. They only provided me with a statement of billing, which does not prove that I am obligated to pay them. They have reported delinquent/negative information to the credit bureaus that I am asking to be deleted.
Product: Credit card or prepaid card

The credit provider is Synchrony Bank/Care Credit. 
They offer a variety of promotions. One is deferred interest if paid within a prescribed time. Another is a lower interest rate until it is paid off. 
If you do not pay off the deferred interest promotion within the prescribed time, they start charging a higher interest rate. Likely all legal. 
If you make a payment, say online, above and beyond the monthly minimum, they apply the over amount to the lowest interest rate portion of the account, rather than the highest interest rate, thereby maximizing their revenue. 
In fact, there is no way for you to automatically apply the extra payment to the highest interest part of your account other than calling them on the phone. 
If you make this payment on the phone and ask them to apply it to the higher interest portion of your account, I was told, today, that it could take 2-3 billing cycles to reflect on your account. 
While possibly legal, this certainly seems like a deceptive trade practice if this was covered under Section 5 of the FTC Act ( which it no longer is ). Under the CFPB regulations, this seems like a  UDAAP violation. Either way, the consumer, unless they are very perceptive and persistent, winds up on the short end of the deal.
Product: Credit reporting or other personal consumer reports

Section 611 of the FCRA 15 USC subsection 1681. The section covers the procedure for disrupting disputing the accuracy of information in your credit report. It requires credit reporting agencies to investigate disputes within 30 days.

Section 609 FC 15 section 1681 section grant you the right to request a copy of your credit report and know the sources of the information Section 62316812 section responsibilities on Furniture of information collection agencies to ensure the accuracy of the information they provide to credit reporting agencies they must correct and update information as necessary Section 605 section 81 C2 section allows for the blocking of information resulting from identity theft
Product: Mortgage

On XX/XX/XXXX we started the process to refinance our mortgage with AmeriSave. We submitted all the requested info and was advised that our rate would be 2.875 and we would close within 45 days. After 45 days I was advised that we would be closing. 2 weeks later they were delaying the process by asking for items that had already been verified and claimed that the loan was locked. We were advised several times that they could not provide us with a disclosure indicating our request to lock the rate at 2.875 and was advised 3 days prior to closing it had been locked only to find out the closing had to be rescheduled to the following week. Once we asked to speak to a manager who called the day after our cancelled closing, The manager advised that the loan had not been locked the day after we had been scheduled to lock. We felt we were a victim of lies and asked that our application fees be refunded as we would not proceed. The customer service was awful and was personally insulted by the loan processor. This conversation was recorded the week of our closing. I recommend someone listen to this conversation. I felt lied to by this company and have requested that our application fee of {$500.00} be refunded. The manager I spoke to felt that indeed I was lied to and offered us {$2500.00} to go forward with the loan. I advised them I would be filing a complaint but they didnt seem to care. This is a form of bribery and feeling they were caught breaking some sort of disclosure law. The documents I had received prior to closing did not indicate a locked rate because it had not been locked therefore offering something that they didnt have! Upon further review I have noted that there have been several complaints against this company. The bait and switch needs to stop! I am requesting the {$500.00} non refundable application fee be issued to me immediately as I was lied and tricked into believing this was a reputable company. It is not!
Product: Credit card

I recently viewed my credit report XX/XX/year> and notice an account that was an accurate. I am sending a copy of my police report. Im demanding this to come off my credit immediately. I am not responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has violated my FCRA many times in which is a violation of my rights!!! I have reached out to the executive office and still did not get the proper resolution. I also sent proof of these FCRA violations, and the creditor still did not take proper action. I have reviewed different reports from XXXXpresent and there are multiple FCRA violations that the creditor has violated!!! Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Reporting a balance after the account is paid off in full is a FCRA violation. Reporting different account statuses, balance, and payment history among all 3 credit bureaus is a FCRA credit violation.

According to section 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

This company has violated this FCRA section and is obligated to remove this account per my request! Not complying with the FCRA can subject this company to statutory damages of $ XXXX {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 30 days, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I am now, taking the extra step, because I really need these addresses off of my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I. C. System XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below.

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete XXXX.
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 XXXXXXXX XXXX XXXX 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX  They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with XXXX was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to fingerhut. I have submitted disputes for XXXX which hve been returned as denied. XXXX finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but XXXX misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and experian will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.
Product: Credit reporting or other personal consumer reports

I am urgently filing this formal complaint due to a serious and repeated incident of identity theft. Recently, I discovered that someone used my personal information without authorization to apply for an auto loan in my name. This application was made fraudulently, without my consent or authorization, violating my rights under consumer protection laws. 

Creditor Name : XXXX XXXX. Account XXXX : XXXX. Balance : {$31000.00}. Date Opened : XX/XX/year>. Last Reported : XX/XX/year>.
Product: Checking or savings account

My citi account was flagged for closure around XXXX because one of the transfers from another one of my checking accounts ( from XXXX ) didn't go through successfully had to be reversed. I was told I would receive a check in the mail with the remaining funds ( {$22000.00} ) in the account ( funds that I deposited from other accounts of my own ). I couldn't transfer these funds out of the account because it was locked. It's been 6 month 's now and I never received a check. 

One customer service representative also suggested opening a Citi account so I could transfer the funds from the locked/closed account into it because I wasn't getting a check. After I opened a new account and called back, another representative said that I actually couldn't do this and to wait for the check to come again in two months time. 

I've called Citi 10+ times now throughout the course of these 6 months and today ( XX/XX/2021 ) after calling again because I still haven't received a check, they told me that the account was closed and that I don't have any funds that will be sent to me - essentially telling me that they're not going to give me the {$22000.00} back. They have also seemed to closed down my online access to any Citi accounts that I have recently, which is lovely of them too do so.
Product: Debt collection

I dispute this account directly to the credit bureaus. I never receive any documents or validation for the collection agency. The first reported on XXXX2019 with the amount of {$5300.00}. XXXX and XXXX they already deleted because no validation. Still waiting for XXXX decision.