23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

I asked Experian, XXXX, and XXXX to reinvestigate these accounts : CREDITORS BUREAU XXXX, Account # XXXX ( this is over the 4 year California statute of limitations as well ) XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Transunion on XX/XX/XXXX. I sent my letter via the XXXX XXXX and I sent it via certified mail. I waited my 30 days and called Transunion, after I didnt hear anything. They explained to me that they didnt receive my letter and couldnt follow through with the dispute. I explained that I sent the dispute letter via certified mail and its not my fault that they misplaced my disputed letter. By law they have to remove everything I needed to dispute. Its their fault that they were irresponsible in misplacing my dispute letter. Please help, Im trying to better my life, after a hard year in XXXX. Thanks in advance.. 

XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo account charging higher interest and fees along with bank account charging overdraft fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my credit file associated with my account with Total Visa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request that these inaccurate records be corrected or deleted from my report. 
Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. I am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.

I question the accuracy and integrity of these entries based on the 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure maximum possible accuracy. In this case, the
evidence supporting these late payments has not been furnished, and 1 question whether the creditor has documentation to support these allegations. Please provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2.Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C.

1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting the reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness.

Given the circumstances outlined, please initiate a prompt investigation, provide me with the results, and send documentation supporting the validity of the disputed entries. If the information can not be verified or substantiated in compliance with FCRA guidelines, I expect all disputed late payments to be promptly removed from my credit file. 
I look forward to your written confirmation of the results of your investigation within the legally allotted timeframe. Failure to adequately address this matter may compel me to explore legal remedies to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I was completely shocked this afternoon to see incorrect accounts suddenly appear on my credit report. I regularly check it, but this time there were errors out of the blue. Even after refreshing my browser, the inaccuracies remained, showing it wasnt just a glitch. This has left me concerned, and I need reassurance that the documents Ive provided will be carefully reviewed so I can have peace of mind.
Product: Bank account or service

To whom it may concern : I am writing to bring to your attention an urgent matter : the failure of my bank, Citibank, to credit to my personal savings account a {$2000.00} cash deposit. 
XX/XX/XXXX I entered my Citibank branch, located at XXXX XXXX XXXX, in XXXX XXXX, New York, to make the above-referenced deposit. The time was between XXXX and XXXX. 
As required, I swiped my bank card and entered my PIN code in front of the teller, handed over the {$2000.00} in {$100.00} bills to the teller ( XXXX XXXX ), was issued a receipt as proof of the deposit, and departed the bank. There was nothing out of the ordinary about the deposit : I 've done this many times over the 15-plus years I 've been a faithful customer of Citibank, in each case without incident. 
This time was different. I noted on XX/XX/XXXX that the deposit was not recorded to my savings account. I contacted Citibank 's Customer Service Department via their XXXX service line to inquire further into the matter. XXXX bank investigations ensued, each covering a date on which I believe I had made the deposit : XX/XX/XXXX and XX/XX/XXXX ( although an XXXX customer service line rep assured me that at a third date I requested, XXXX XXXX, was also researched ). Each investigation came back negative : Citibank was unable, absent the receipt, to track down the deposit. ( See attached. ) During and after the investigations, I also spoke with several Citibank representatives -- call center agents handling Citibank 's XXXX service line, the assistant branch manager in XXXX XXXX ( XXXX XXXX ) and the branch manager there ( XXXX XXXX ) -- to inquire into the bank 's inexplicable failure to record the deposit and its methods for tracing it. I never received a satisfactory response. 
Citibank 's failure to record the {$2000.00} deposit is totally unacceptable. It is inconceivable to me that the bank has no record of the transaction. The bank had at its disposal a computer log of the deposit, the swiping of my bank card and PIN code, as well as surveillance cameras inside the bank branch for recording the comings and goings of customers -- and my interaction with teller XXXX XXXX. 
Adding insult to injury, Citibank Assistant Branch Manager XXXX XXXX treated me throughout this ordeal in the most rude and unprofessional manner. Citibank 's representatives have also repeatedly resisted my requests for information that might shed further light on the investigations and the reasons ( or lack thereof ) for why the deposit was not recorded. 
The investigations now at a dead end, I have no choice but to escalate the matter. I am therefore writing the Consumer Financial Protection Bureau to lodge an official complaint about Citibank 's failure to fulfill a basic fiduciary duty : recording and holding safe money that I have entrusted to the bank. I request that the CFPB take all appropriate steps to insure the recovery of the {$2000.00} cash deposit. 
Please contact me at your earliest convenience so that we can bring this matter to a swift and satisfactory conclusion. 
Respectfully, XXXX XXXX Tel : XXXX ( home ) Cell : XXXX ( cell ) e-mail : XXXXXXXXXXXX
Product: Mortgage

This is a new complaint against TD Bank. The issue of discrimination was not addressed by the bank in my prior complaint # XXXX. 
My husband and I applied for a refinance of our primary mortgage in XXXX/2020. The process was delayed, communication was poor and multiple requests for the same information was used to delay the processing of our application. Given my field of work, I was able to respond within 24 hrs for all requests. However, this process was significantly delayed and TD Bank purposely allowed the rate lock to expire by not handling our account expeditiously. There are many documented emails to this effect. This delay was purposeful and we are highly qualified applicants who indicated that we are XXXX. This discriminatory practice should be sanctioned. The only outreach from TD Bank regarding this situation was after the above complaint was filed, conspicuously the day the complaint reached the company.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or the 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 an 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: Credit card

I am writing to complain about the care credit card. I have used it to help space out medical bills and they purposely scammed me. Every time I use it, I sign a paper that shows the total amount and how the payment will be split ( 6 months, 12 months or 18 months ) into equal payments. So to me, once I sign that I agree to those terms, the payments are then split by care credit and I am on auto debit so that should take care of it. Period. Not once did I miss a payment and I use it because I really needed it to face some medical bills. The other day I logged on to my account by chance to see that they have assessed thousands of dollars of interests. When I called they said the payments where not made within the promotional period I agreed too. 
The truth is, they dont automatically split every payment equally like what they say on the paper you sign. Instead iys done in some arbitrary way to make sure you dont finish within rhe alloted time. 
Why dont they put on the paper you sign : your bill is {$3000.00}, please log on asap to set up yourself your equal payments within the given time? Plain and simple. Instead they make you think you signed something that shows your total, your length to pay it, and the monthly amount bht that never gets done. 
It makes it confusing so that they can assess these insane rates higher than any credit card I have ever seen! 
Their language is deceitful and done on purpose and puts people in more of a financial strain that they can never get out of. They have completely ruined me. 
They should be sued and closed down for their deceitful practices.
Product: Debt collection

For going on 3-4 years now " Hunter Warfield '' out of XXXX FL originally tried gouging me for close to {$1000.00}, I'm guessing after that amount would be a more serious offense for them to scam people out of ( FL small claims courts only care if it's upward or around {$8000.00} ). 
Never have they produced any documentation explaining the claim or never have I received correspondence from the company they claim to be collecting for. This has been consistently happening, for some reason they've lowered it to around {$700.00} which I'm not sure why. 

This is obviously a scam and a feeble shell of a company that shouldn't exist with the most rude and antagonizing staff they could muster. They've called, texted, left messages, called relatives and other numbers harassing for the same claim, most recently having received a generic email again, with ZERO documentation or grounds to keep doing this. 

This is ridiculous, there have been insurmountable complaints against this company and can't believe this has dragged on this long without any resolution. XXXX only knows how many XXXX or XXXX people they're taking advantage of, holding something over their heads as threatening their credit score.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I   am writing to dispute the following information in my file. I recently received a copy of my credit reports (  XXXX ,  XXXX ,  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Debt collection

This company has been re-aging a XXXX account on my report over and over each time its been deleted and unable to be validated, they put a new date of delinquency and new information and placed it right back on each bureau. They are seriously predators. They know they cant report past 7 years yet they re-age it every time its deleted to get around that. Its literally disgusting practices theyre engaging in and something needs to be done about this company.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Debt collection

I have disputed this debt on XX/XX/year>, and XX/XX/year>, regarding {$200.00}, and the debt has not been removed from my credit reports. The debt collector has verified this debt as accurate with XXXX and XXXX, but this is not correct information. Upon trying to resolve this debt online through myjcap.com, its says that Jefferson Capital Systems llc does not own the debt, that its is serviced by XXXX. 

This has caused undue financial hardship and distress for me, which has negatively impacted my credit, and I want to have this debt removed from my XXXX and XXXX reports immediately.
Product: Credit reporting

I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

On or about XXXXXX/XX/year> I woke up to a ton of XXXX charges on my card. There were so many the bank started to stop them on their own. I filed a claim and was given a credit. In the last couple weeks all my claims have been denied and all of the money I was credited was taken back. I called customer service twice on XXXX. The second time I finally got to who I thought could help me but no. He gave me the run around with a side of word salad. I never got the letter that said all my claims were denied and why and they wont tell me on the phone.
Product: Credit card or prepaid card

Ok so i thought there were fraud charges on my us bank relicard ( unemployment ) so i called to report and then the fraud departure lady asked me if i wanted a new card I said sure she said it will be there in 4 to 5 days well it came and i went to activate it and it was locked so i called and they told me i would have to send in a current id. And a selfie so i did the first ssid it was blurry to go through the steps again so i did well it was blurry again i found out this because i called they didn't send me no email or call so then they said ot has to be a valid id that i didn't have and they didn't say this when they asked if i wanted a new card they didnt say nothing about having to send any documents to get my card validated so then they ask me for all these other documents they said they didnt get this was the first week of XX/XX/2020 it is now XX/XX/XXXX and stiil they have {$1600.00} dollars of mine they wont release because they say they will only take a valid id which i dont have do to other documents i need to get it i am without electricity and water and food because of them not unlocking my card i called about and them not telling me all the documents i would need after asking if i needed a new card i didnt ask them they asked me it was shady on there part to do this to my kids amd i XXXX.i wouldve just kept my other card i have been in tears i have done what they have asked me to do about sending in other documents but they are holding my unemployment the only money i have hostage and them the send me a letter say if nothing is done buy the XXXX of this month XXXX they will send it back to unemployment i am at a virge of a nervous breakdown i dont no what else i can i do so i am begging and pleaing for your help please help me please
Product: Credit card or prepaid card

I am trying to settle a debt with Bank of America from XXXX. I have talked to numerous people on the phone and gotten different answers from everyone. I have offered to settle my old debt, but my offer has been denied. I was offered another settlement amount ( which is more than I can afford ), and monthly payments. The people I have spoken to said that this will not help me with my credit and will not help with me with my goal of buying a house. I have paid off all old debts, except this account, and seem to be getting nowhere with the company. I think the worst part is that I can't get them to send me anything in the mail saying what my options are for taking care of this old debt. The rep on the phone this morning ( in the recovery dept. ) said BoA doesn't send out letters. How can I possibly resolve this old debt and rebuild my financial life when I'm getting so many different answers and can't get anything in writing?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
Product: Mortgage

I have a conventional, fixed-rate mortgage with SunTrust Mortgage. They have an escrow for my city/school taxes and homeowners insurance. When my homeowners policy was being paid for, SunTrust paid out the amount of the policy twice - one to the correct insurance company and one to the incorrect insurance company who I do n't have any business relationship with. I 've notified SunTrust of the mistake immediately on XXXX XXXX, they acknowledged that the payment should not have been issued twice, but since then I 'm not able to get the incorrectly issued payment refunded to my escrow account. Phone customer support is not helpful and makes continuous mistakes in handling my issue. Numerous times I was given promises of customer support to call me back, but was only called back twice. I 've escalated the case numerous times but as of XXXX XXXX there is still no refund. I 've asked to talk to the SunTrust Mortgage management, and was told that they would call me back - but they have not called back. I 've filed a complaint with the customer service in SunTrust, but they just closed the complaint form without contacting me and without any comments about the complaint resolution. The customer service that I 've received is terrible - SunTrust Mortgage paid out money from my escrow to a completely unrelated company but is not refunding me that money.
Product: Credit card

Have gotten late fees on credit card from floor and decor at XXXX. They received my payment each month on the XXXX or XXXX of the month prior to it being due. When I called I was told that since I paid prior to the XXXX they counted it towards that month rather than the next month and then charged a late fee each month. I feel that I should not be charged a late fee for paying too early. This has been going on for end of XXXX and XXXX