23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was notified of the error on my account as soon as discovered. As required by Equifax, a corresponding identity theft report was filed. A notarized copy of the identity theft report ( FTC # XXXX ) as well as notarized copies of my driver 's license and copies of my utility bills were sent last XX/XX/XXXX and again mailed in XX/XX/XXXX to Equifax to update and correct my file. In XX/XX/XXXX, they corrected my file and enabled me to place a Credit Lock on my account to prevent more errors. 

In or around XX/XX/XXXX, the incorrect address was again added to my account ( XXXX XXXX Address ). When notifying Equifax, their representative XXXX found my prior information, but because my account was managed by the Fraud department because of the identify theft report. Speaking with XXXX ( Manager XXXX ), I was informed that they would not remove the address from my file without me sending him another notarized copy of my government issued identification and additional utility bills, along with a new FTC report. 

At this point, don't know how to make sure fraud is removed from my account as it seems impossible to keep incorrect information off.
Product: Debt or credit management

I signed up and was looking at their sight and didn't agree to any term 's and then 4 months later they put this on my credit report. I called to see what this charge was for because I didn't get any service from them and didn't agree to their service and the lady I spoke to couldn't answer any questions for me and refused to send me any paperwork.
Product: Credit card

Chase business credit cards offers something they call " Pay Over Time ''. They sent me an email recently offering to convert an {$800.00} charge to this Pay Over Time with this ; " Choose a duration that works for your business 's finances. Break up purchases of {$100.00} or more* into smaller, equal monthly payments with no interest just a fixed monthly fee. * This way, you get what you need for your business and pay for it on your terms '' Again, " no interest just a fixed monthly fee '' Now I am already allowed to pay " Over Time... it's a credit card charging me a little over 23 % annual interest. BUT, they offered me the choice to break up the {$800.00} charge as follows ; 6 payments of {$140.00} or 12 payments of {$75.00} or 18 payments of {$52.00} by my calculations, their fixed monthly fee was the equivalent of 76 %, 150 %, 228 % respectively. Fortunately, I am a smart person and I realize I would be WAY better off just paying them over 6, 12 or 18 months at the 23 % interest, but isn't this deceptive to try to lure me in with " no interest just a fixed monthly fee ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow-up to the one I previously filed, which asked the CFPB to remove bogus accounts and information from my credit file. According to section 605b of the Fair Credit Reporting Act, I have read. I am shielded from inaccurate reporting by Federal law, and you are obligated by law to erase any accounts and information from my credit file. Please follow the law and remove the disputed accounts and data as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXXXX/XX/2021. You haven't supplied me a copy of any documentation proving your assertions that I own the disputed accounts. Without these documentation, it is assumed that the challenged materials will be deleted right away.
Product: Mortgage

Went into forbearance in XXXX. XXXX due to unemployment from Covid. Submitted application packet 1 for loan modification options to begin repayment in XXXX XXXX. Called so many times. Was told packet was lost in mail. Submitted 2nd packet in XX/XX/XXXX. Never heard back. Could not log into account, did not receive any statements. Every time I call, it takes at least an hour. Called my XXXX  XXXX XXXX XXXX about it. She said XXXX have a partial payment plan option. To ask for that. I would begin regular mortgage payments and begin scheduled payments on the past due amount from the forbearance period. They ignored her emails. She was persistent and was eventually told they do not participate in the program. I was told they received the packet in XX/XX/XXXX but it had expired. I called often and asked for a system. I was asked again to send another loan modification application. They are like 15 pages long. I told them no. I started making double payments in XX/XX/XXXX. The loan is still behind. XXXX from the chairman office at citizen called after hearing my complaints. She sent me papers to fill out, and I scanned and emailed them that say. This was in early XXXX. I mailed my XXXX, recent paystubs, hardship letter for why I went into forbearance in XXXX. Two weeks later I was sent a letter saying they needed another letter and recent paystubs. I literally had gotten paid that day. I emailed it in. This week I got a call from XXXX in the office of the chairman. She said she is closing my case because it seems like things are okay now. I told her I had gotten no response from loss mitigation. She said it takes them 30 days or so from the date of the packet. I told her it had been 30 days. She said she couldnt help. Loss mitigation needs to contact me, I told her I have been making double payments since XXXX and I need to see a statement. I was told there are no statements when in loss mitigation. I was about XXXX behind on payments. It is currently around XXXX by my calculations. I sent an email requesting they do not close my case as it is not resolved and that Id line them to communicate through legal representation from this point forward. I have not hired a lawyer. XXXX emailed today asking for my attorneys contact info. I have not heard anything from loss mitigation still. I guess I am going to waste money on hiring a lawyer instead of paying the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my car load this is a fraud account the car belong to progressive remarking bank I dont have this car it was electronic sign I never signed nothing
Product: Mortgage

On XX/XX/2019 at approximately XXXX XXXX my husband, XXXX XXXX, and I were having lunch. He was checking his banking at XXXX XXXX  and saw a pending withdrawal for {$1200.00} for Suntrust Bank. We thought we had missed a mortgage payment and added money from savings to checking to cover our $ 2093 monthly mortgage. I remembered that I had received an email on XX/XX/2019 ( approximate date ) saying they had received our mortgage payment and applied it. We were two hours from home. I attempted to call Suntrust over FIVE TIMES ... with wait times equaling over two hours ... I was shifted from department to department when I finally got a human on the phone. No one could find the XXXX that is attempting to be taken out of our checking account..and then the additional funds we transferred from savings to checking was being grabbed by Suntrust also. As soon as we got near home we went to XXXX XXXX  to stop payment on the {$2000.00} total. We were told because it was so late in the afternoon they weren't sure they could stop payment. 
Suntrust ... as far as we can tell ... .insists they aren't taking money out. We have never authorized payments to come out of our accounts and use the bill pay feature when we have a mortgage payment due. Suntrust is an out of town bank preying on the elderly by not having decent phone service and no answers to important questions. I want them to sell our mortgage to someone with reputable service and centers we can go to with questions.
Product: Mortgage

I set up my payments to pay twice monthly. I had to pay 1 month in advance to even set up the payment plan this way. I had been on this payment plan for around 1 year. Then in XX/XX/2023, they charged me a late fee and saying I didn't pay the full amount on time. I called the company and the person I talked so waived the late fee because she was able to look at the payment history. I just noticed they are charging me late fees again because they are not applying the partial payments correctly.
Product: Credit reporting or other personal consumer reports

On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX XXXX, XXXX, there are deferent. Names 1. Ed financial has 13 accounts.2. Ed Financial/XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/XXXX  I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.
Product: Credit reporting or other personal consumer reports

Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed immediately.
Product: Debt collection

XXXX XXXX XXXX has used different names in attempt to collect money from me which I do not owe. They have my personal information using it under different alias : credit management company, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my rights and I plan to consult with an attorney. They failed to provide me with an itemized bill after multiple request for months I have been asking and they continue to ruin my credit. I have already filed this ID theft and provided the information regarding this theft and nothing was done. Now these same fraudsters sent me another bill on XXXX XXXX stating I owe XXXX but they cant tell me who why where or for what. This is unlawful. I want this removed from my credit immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 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 any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX/XXXX  XXXX  # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit card

I placed 3 purchase with a merchant on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The merchant did not provide me with the service which led me to dispute the the transactions. The merchant themselves refunded me for the last XX/XX/XXXX, transaction. I filed a dispute with the credit card company for the other two, one of them was approved the other wasn't, when I try to Get a reason of why not, their are unable to provide me with that information and they now tell me its out of the timeframe.
Product: Checking or savings account

I went to the bar on XX/XX/XXXX around XXXX to have drinks with a friend. 

Incident Description I left my purse and phone inside of my car, while I was having drinks with a friend someone broke into my car and stole my vehicle out of the bar parking lot, my wallet had all my information inside of it. Including my bank cards and credit cards this is very unfortunate because XXXX is next week and they spent almost XXXX $ on my Huntington card and they maxed out my credit cards. 

They stole my phone and sent money to themselves via cash app Huntington bank has refused to give me my money back even when I included a police report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

The issue is that under further investigation documents of record of PENNYMAC record keeping from XX/XX/XXXX to XX/XX/XXXX PENNYMAC ALL TRANSACTIONS REPORT PennyMac States That all payments are from a Suspense Account Which is not true at all. There are many irregularities in this document.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. I believe I am the victim of discrimination and an unfair and arbitrary practices on the part of Capitol One. Prior to there action I had an XXXX credit score. I have two cards with them. I have never missed a payment on either card, nor have I ever been late. One of my cards had a XXXX limit and the other had a XXXX limit. I received an email stating that because I rarely use the card with the XXXX limit they were reducing my limit. I use the other card more frequently, so when I called to complain, stating it made no since to reduce the limit on my XXXX dollar card when I have two cards with them, several days later, they reduced the limit on my other card. Their decision given my credit and payment is highly suspect, and it hurt my overall credit score reducing it so far to XXXX. They told me I could apply for another card with them if I wanted more credit. I have been with Capitol One over 20 years, and this has never happened. I do not rely on credit, I use it quite sparingly, and Capitol One is penalizing me for not running my cards up enough. I would love to know how many other citizens with credit scores like mine, payment histories like mine, but are XXXX have had similar action. ( What is the risk profile they are looking at, what is it based on, what is the number of minorities that are effected vs XXXX ). 

Thank you for you time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Ive noticed unauthorized accounts on my credit report that I suspect may be due to identity theft. Please remove and block these fraudulent entries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I attempted to deposit {$1200.00} into my bank account via Western Union. 

It was supposed to arrive the next day and still has not arrived two weeks later. According to WU, XXXX XXXX  credited my account. This is not the case. Feel free to check with XXXX XXXX. 

At one point we attempted a three way call between myself, XXXX XXXX   and Western Union. WU hung up. 

WU has repeatedly given me the runaround at one point stating the confirmation number was XXXX. Yes, XXXX. 

Now that I am asking for a refund I get placed on perpetual hold. 

I'm not really sure what to do. I have spent hours on the phone trying to get a resolution of some sort, to no avail. 

WU transaction # XXXX WU Investigation # XXXX My WU # XXXX XXXX phone # XXXX ( saying " More options ... more options ... more options ... none of these. '' Will speed things up ) XXXX XXXX  phone XXXX ( no real speedy options )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. TBH e CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I received a call from my Citibank Mastercard about suspected fraud. They listed several transactions in different parts of the city for large amounts. I let them know that all of the charges were fraudulent as I'd been home at the time and was unfamiliar with these neighborhoods and stores. The total charges are {$3000.00}. 

On XX/XX/year>, I received a letter from Citibank denying the disputes and saying that because the card 's EMV chip had been used and I had confirmed that the card was in my possession, they refuse to consider this as fraud. 

The spending spree that the thieves went on lasted for 3 days, during which I was in my neighborhood, at home. Given that they called me suspecting fraud, which I confirmed, this refusal is ludicrous.