23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the  debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX  because they were gonna re-insert info back on with out my knowledge. 
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX   CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.
Product: Money transfer, virtual currency, or money service

Hi, i received a letter from Credit Corp Solutions Inc indicating that there alleged debt on my name which is no accurate and false information, i filled and reported XX/XX/2018 identity theft, i never use XXXX my entire life, i beleived somone use my name and address like happended XX/XX/2018 then i reported to Federal Trade Comissioner and Identity Theft, i'm request from this collection agency verify this alleged debt and disputed becuase i never used XXXX, they should investigate and mark this account as fruad activiity i reported this fraud and ID Stolen to Consumer financial protection bureau Federal Trade Commission PA state Attorney General Note : this alleged debt is fruadlent since i reported and recoreded by police report on XX/XX/2018 and has been already fraud on my credit report you don't supposed to contact me again by mail or phone or email this account must be disputed and fruadlent
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts and Inquiries Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach and request the blocking and deletion of all accounts and inquiries related to this breach pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is the detailed information of the affected accounts and inquiries : Accounts : 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 XXXXXX/XX/XXXX
Product: Credit card

Hello. 

I noticed a series of transactions that were charged to a credit card on XX/XX/XXXX / XXXX. The total amount charged was approximately {$5800.00}. I contacted Barclays immediately when i noted these on XX/XX/XXXX and notified Barclays of the unauthorized charges. I was advised that the charges would be reviewed/investigated and it could take a few days to investigate/ reverse the charges. A few days later I called them again to obtain an update. An update was not yet available. I contacted them again on XX/XX/XXXX. During the XX/XX/XXXX discussion with Barclays, Barclays informed me that my initial two calls were incorrectly processed by the bank and that nothing had been done regarding my account. I was then told that a proper request had now been submitted and that my inquiry would now be properly investigated and Barclays apologized for their error on the first two calls.

As of today, I still see the unauthorized charges on my account and Barclays has not provided any real explanation. Based on details and timing, i strongly believe that the charges were related to attempted fraud and that Barclays was at fault for allowing this to occur. This is just my belief as Barclays only provided details related to dates, etc. They did not provide me any more particulars. They did however confirm that my card was re-issued PRIOR to my first call or request for a re-issue. 

I would like these charges reversed and I would prefer to terminate the account given the poor customer experience.
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 15 USC 1681 section 604 a section 2 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. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Checking or savings account

Back in XX/XX/2023 both my checking and savings account were closed by Citibank, i spoke to a Citibank representative and stated that my account was being closed and i will be receiving my funds in a cashier check through mail XXXX days after the account was closed. Its been over 70 days now and i have not received any checks by Citibank. I call in Citibank to get an update of my funds and i get transferred to many departments ( fraud prevention, security department ) and no one seems to give me an answer. There response is the back office has to email us back with an update. Ive called so many times for over 3 weeks now and get the same response. They give me a call back date and no one seems to give me a response or just hang up because i am no longer a account holder, i ask so who knows where my funds are at, and all they can respond is I dont know. This situation is getting really frustrating. 

I have received bank statements through mail and it shows that my funds were pulled out of my accounts back in XXXX XXXX. So it has been over a month now that my funds are no longer in my account.
Product: Debt collection

I am writing to formally dispute the presence of a fraudulent collection account on my credit report. After a careful review of my credit report, I have identified an entry for a collection account that I believe to be inaccurate and the result of fraudulent activity. 
XXXX XXXX XXXX XXXX  PLEASE DELETTE!!! 
I want to emphasize that I have no knowledge of any such collection account, and there has been no legitimate reason for such an entry on my credit report. The inclusion of this fraudulent information is not only damaging to my creditworthiness but also inaccurate. 
I am requesting an immediate and thorough investigation into this matter, with the ultimate goal of removing the fraudulent collection account from my credit report. As a victim of identity theft, I am taking all necessary steps to rectify the situation and prevent any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I went to Bank of America branch to cash a payroll check drawn on XXXX XXXX. They instructed me to deposit since my account was overdrawn a little bit. I was told the ATM would make some of it available but the funds were deposited into my savings account instead and placed on a verification hold for 14 business days. I believe this is illegal structuring of customer transactions and violating Bank Regulations and Bank Secrecy Act Laws. They are temporary using my funds to earn interest and make loans. This is unfair business practices and they should be fined. Payroll checks are next day availability
Product: Credit card or prepaid card

navy federal account last XXXX XXXX It has come to my knowledge that Navy federal has violated federal law 15 USC 1666 ( D ) billing error. " ( Restricting or closing by creditor of account regarded by obligor to contain billing error ). Navy federal has closed my open end credit card account due to failure to pay amount due in error this against federal law and against the state by laws with the navy federal credit bank in the state of XXXX  15 USC 1666 ( d ) says a creditor operating an open end consumer credit plan May Not restrict or close an account with respect to which the obligor has indicated pursuant subsection ( a ) that he believed such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. I also notice while investigating my account Navy federal was stealing funds from my active checking account and applying it to my closed go rewards credit card for indebtness on my open end consumer credit card. This is totally against federal law 15 USC 1666h ( a ) a card issuer ( navy federal ) may not take any action to offset a cardholders indebtness arising in connection with a consumer transaction under the relevant credit card plan against funds of the card holder held on deposit with the card issuer unless such action was previously authorized in writing by the card holder ( consumer ) in accordance with the credit plan whereby the card holder agrees periodically to pay debts occurred in his open end credit card account. I did not give permission or written consent and this is considered theft and is a violation of federal law 15 USC 1666 ( a ) ( 1 ) Navy federal must reactivate credit card and also must apply funds it stole from banking checking account to rectify the situation! it is against federal law to take from checking account and apply to credit card without the consumers written consent please rectify this situation asap so we can stay at the arbitration table and not have to enter into litigation!!!!!!
Product: Student loan

XXXX - called in today and was transferred to XXXX ... I wanted to inquire about COVID relief options for a loan that I am currently paying on, as they have continued to debit money from my account even during the " pause '' on payments. I called today to see if I had any options, instead XXXX refused to provide me any information about my account and I was denied information about potential relief and repayment options for the Parent Plus Loan that is current and being serviced by ISL.
Product: Credit reporting or other personal consumer reports

Bank of America reports an invalid debt to the credit bureaus and I am 100 % XXXX XXXX. Bank of America never sent me any letter as by FCRA and FTC Federal Law stating this was my account or that an account was in collections or charged off so I have no way of validating the debt. The credit bureaus always side with Bank of America since they pay for a trade line to be reported and the credit bureaus make money from them. I am filing this final dispute if it is not deleted from my credit file immediately before I also lodge an American Disability Act ( ADA ) complaint against Bank of America for taking advantage of this situation. I kindly ask the tradeline be deleted since BOA never sent me evidence the account is mine and I have a XXXX  XXXX which stress causes my XXXX to become worse which this is causing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Mortgage

I am trying to stop my mortgage from being accelerated to a foreclosure status as I have just learned about this XXXX XXXX. My mortgage payment have been paid every month on an automatic debit transaction by the Bank - never missing a payment. I have proof of such payments.being made. These payments have been made to Greentree Mortgage .I have never been notified of any change in mortgage companies. No notices of any kind letting me know that a change had been made & who my new mortgage servicer is. Nothing has been sent to my home address or this name would have been changed immediately. The house in question is a rental home and been such for quite a few years. My bank has verified that Greentree has been accepting and cashing my mortgage payments. I have been unable to contact Greentree to get my questions answered. On XX/XX/XXXX I checked the mailbox at the rental house and found a delinquent notice from Shellpoint addresed to me. I called Shellpoint to find out what this was all about and who they were only to learn that they were now the new mortgage co. that my monthly payments should have been going to. I explained the situation to Shellpoint that this is a huge mistake and was told that a case manager would look into this and get back to me XXXX XXXX There are no missed payments!
Product: Student loan

I shifted to XXXX last year because I am eligible for and going for the Public Service Loan Forgiveness program. I have been on the same income-based repayment plan since 2013. This last year, my income went up drastically. I've done my research and learned that I can stay on my plan, I just might need to pay more. I'm fine with this and it makes sense given the fact that I am going for PSLF. 

I have now applied twice to renew my plan, and been denied twice. " A letter '' is coming to me, but I was denied the first time on XX/XX/XXXX and still don't know why. I re-applied yesterday and was denied again today. I have received no contact back from them when I ask why. 

They are now moving forward with putting me on the standard payment plan, adding interest back to my loan so my payments are increasing even more, and ignoring my requests for an IDR repayment plan. I was with two other loan companies that were amazing, and am so frustrated that I have this experience now.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXXXXXX XXXX  Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : 1-Immediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXXCorrection of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, Experian XXXX and XXXX ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.
Product: Mortgage

Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us. 

This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time. 

In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.
Product: Payday loan

This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, I have been trying my best to raised my Credit Score. Lately, When Refinance my 2 Vehicles From XXXX XXXX  and XXXX XXXX XXXX XXXX. With the XXXX XXXX XXXX XXXX recently in about a month. And My Credit Score was at XXXX With the XXXX. And my former vehicle account was closed and my new vehicle refinance loan showed on my credit report. However, The Equifax gave me a score of XXXX and the XXXX was XXXX all of this was the result of my refinancing loan. They never factors that my balance was going down. Infact, One of the Vehicle Loan I co-signed for my son at {$550.00} a month also with XXXX XXXX XXXX XXXX. My son XXXX XXXX. Who is a Member of the XXXX XXXX XXXX. Had been paying his Car loan for the Past 4 years and has only XXXX plus left over. And they should take-off the account after the 12 months period my son was paying for his car. They can verify with XXXX XXXX XXXX XXXX. That my son is the one paying for the car loan that I have co-signed for him. And their poor evaluations of my Credit Performance.  Affected my ability to get a better rate In shopping for for Home Purchase with the XXXX XXXX  as well the XXXX XXXX. I want these ( 3 ) Credit Bureau Reporting agency. To correct my score and provide me a copy of their recent adjustment to my Credit History report. I do hope, They will heed your Good Office and provide the New Credit Report ASAP. Thank You very much for your Immediate actions on the matters and Considerations. Sincerely, XXXX XXXX. XXXX XXXX Home Adress : XXXX XXXX XXXX, XXXX. AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX XXXXXXXX account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX as well
Product: Debt collection

I have repeatedly been harassed by this company and wish to cease all further contact. 
They are constantly calling my phone at inconvenient times which is a clear violation of the FTC and Consumer Financial Protection Bureau.