23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house was impacted by XXXX XXXX. I got in touch with us bank and explained to them the situation. I was told we can differ 3 month of my mortgage payment and all I need to do is to call or go online XXXX weeks before the end of the 3rd month to apply for mortgage assistance to allow me to push these 3 month to the back of the loan. I was told it will take XXXX weeks for the process to be completed 100 %. I did everything I was directed to do. I applied for the mortgage assistance around XXXX XXXX. Yet its almost the end of XXXX and the application is still under review. I provided everything I was asked to provide. Now there is 2 late payments on my credit report that dropped down my credit from XXXX ish to XXXX. I was told by us bank employee that these late payment will be removed. And then another one told me they dont be removed. Us bank handled my request very poorly & its impossible to have 2 of their bankers agree to the same thing. Everyone have a mind of their own, there is lack of communication and training on their end. Please listen to the calls
Product: Credit reporting or other personal consumer reports

On XXXX XXXX TransUnion place an account from XXXX in the amount of XXXX on my credit report that did not belong to me. It appears that there are also serval credit inquiries that were done on my credit report. I'm not aware of. I've have tried to reach out to TransUnion, and they didn't provide helpful information. My business is taking a hit from this. My bank has decreased the amount on my credit account base on the information from TransUnion. Serious delinquency outstanding balance, too many inquiries last XXXX in months. Information that I never quested.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

Ive made numerous attempts at appealing these claims and regaining access to my account back around the time XX/XX/XXXX and just got a response from cash app support today, XX/XX/XXXX. Every time I asked them to elaborate what terms they told me that they were unable to explain and just kept saying that terms were violated. I have documentation that would be able to support the times that I have been scammed by individuals and was sending money to people that claimed they would do my hair in exchange for the payment but never followed through. Im not sure if this would be relevant to their decision in closing my account but I have made several attempts in making a dispute to which today, they finally declined after doing their one sided investigation. I was not given the opportunity to hand over any documents to prove that I have been using the platform within the guidelines, they made one decision and shut me out of my account to where I am unable to receive or send money. I also have a small business providing a service and my clients use cash app to pay me so that has been hindering me. The company has been very vague about what I violated and I feel like that is unfair, I have been using cash app for years.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, one of the three major credit reporting agencies, for failing to comply with the dispute resolution timeline mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I submitted a dispute to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed [ briefly describe the nature of the disputed items, e.g., an account I do not recognize or incorrect payment information ]. According to the FCRA, TransUnion is required to investigate disputes and either verify, correct, or delete the disputed information within 30 days of receipt of the dispute, per 15 U.S.C. 1681i ( a ) ( 1 ).

Despite this legal requirement, TransUnion has failed to resolve my dispute within the required 30-day timeframe. This lack of compliance has caused unnecessary delays, stress, and potential harm to my financial standing, including : 1.The potential for lower credit scores due to inaccurate information.

2.Hindrance in my ability to secure credit or favorable terms on loans. 

I have made multiple attempts to follow up with TransUnion regarding this matter, including letters. To date, I have not received a resolution or any written communication extending the timeline due to additional information as allowed under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). 

I believe TransUnions actions are a clear violation of consumer protection laws, specifically the FCRA, which guarantees my right to a timely resolution of disputes. 

Resolution Requested : I kindly request the CFPB to : 1.Investigate TransUnions practices regarding dispute resolution timelines. 
2.Enforce corrective action to ensure TransUnion complies with the FCRA requirements.

3.Provide any necessary penalties or fines for their non-compliance.

4.Assist in ensuring that my dispute is resolved promptly, and all inaccurate information is corrected or removed from my credit report. 

Thank you for your assistance in ensuring that credit reporting agencies adhere to the law and protect consumers rights.
Product: Consumer Loan

Wells Fargo Bank is where I have my loan thru and after a yr I traded in my XXXX XXXX Colorado and got a XXXX XXXX XXXX XXXX XXXX. In the trade I lost all of my payments I had made for the Colorado and wells Fargo also tacked on an additional XXXX saying I was in negative equity. They would n't give me a warranty on the XXXX or anything to soften the blow and since I needed a larger truck to accommodate my XXXX step children I agreed to the terms and even though my payments were XXXX dollars cheaper I still felt that I had been taken for a ride. Well after a yr of paying on the XXXX I wanted to get refinanced so I could make cheaper payments since my step son was very ill and had to be placed in a children 's hospital. Wells Fargo told me that the rules of refinancing was that the vehicle could not be more than 8 yrs old and not have more than XXXX miles even though I bought it with it being both over the age limit and over the miles limit. With my checks being smaller than they were I found it very difficult to come up with the monthly installments and they would n't work with me but said they would take a payment and tack it to the end of the loan. Also the initial amount owed from the loan was XXXX and after a yr of paying XXXX a month the loan balance was still at XXXX and something. I do n't know how to send the copy of my loan to you but can thru my XXXX I provided. Please RSVP as soon as you can because my loan has become a lot more difficult to maintain. Thank you for your time.
Product: Credit card or prepaid card

We purchased international travel tickets for travel on XX/XX/XXXX ( XXXX flight ) on XXXX XXXX. The flight was purchased on Citicard ending in XXXX. We live in XXXX NJ area and our flight was from XXXX. While traveling to XXXX, we encountered an accident on XXXX XXXX that unfortunately took 3.5 hours travel time from home to XXXX  instead of the usual 2 hours. We reached 1 hour before departure time by which time check-in was closed by XXXX causing us to miss the flight. We asked XXXX to accommodate us on next flight at XXXX that same day. XXXX stated that we should call customer service using XXXX, which we did. They stated will do so with a change fee of {$700.00} ( vs. a base fare of approx {$2100.00} ), which is a substantial change fee for same day flight accommodation. We paid the fee using XXXX on their website ( receipt sent to Citicards ).  Yet, no ticket was issued until XXXX that day. We called XXXX about 10 times ( 10-40 minutes call each ) but ticket was never issued. We came back home and tried to pursue  the matter next day but to no avail. We then had no choice but to buy new tickets for same travel itinerary on XX/XX/XXXX. We disputed the transaction with Citicards but they stated that XXXX considered this as a loss of revenue for them justified not issuing the ticket. We sent documents to Citicards showing that our class of fare allowed for a change and that we had paid {$700.00} change fee. AT that point Citicards stated that time or a resolution had passed. We had filed a dispute within a few days of travel date. We have called Citicards at least a dozen times since XX/XX/XXXX when they sent us last communication. They keep saying they will look into it in next 4-5 days but never do. The airline has violated the terms of its contract clearly : first the original contract allowing us to travel with change fee, then contract governing the change fee when that change fee was paid. Both value of original ticket and change fee was made 0 by airline in violation of its own contracts. Since this case is a glaring example of lack of consumer protection and customer advocacy as well as a clear malpractice by not just the airline, but more importantly the credit card which is expected to protected the consumer in such cases as advertised the credit card company, we want to escalate the matter through BBB. Case details in Citicard system are as follows : Card # XXXX ; Case ID Numbers : XXXX and XXXX
Product: Mortgage

XXXX XXXX XXXX gave a loan modification taking me to court or I signed their paper against my will but if I did I loos the house so they force me too they stoled all my loan modification 3 payments argument was they used for fraudulent thing like pay for some one to watch my house wen I was living in it ... or some other expenses they invented now days they keep talking about been late in my mortgage payments 3 months into the loan modification they claimed its the scrow payments started to change but the truth is that they adjusted every time the scrow changes they keep talking about a bankruptcy but no prove lies and fraudalent is their way every time I complain they send a lawyer they have to intimidate me costumer service won't help but their lawyers will not they send me a letter last week about mortgage been sold to a different bank claiming that I did a bankruptcy no prove but a lot of fraud going on between XXXX XXXX XXXX   and shellpoint mortgage services
Product: Money transfer, virtual currency, or money service

I need to withdraw my principal funds- and funds are not available to me as promised. The max I can withdraw is XXXX per day and I should be able to withdraw at least that amount.
Product: Credit card or prepaid card

Cancelled my card in XX/XX/XXXX and still sending bill. Please see the message Your Cancel Card Request Blue Background Member Since XXXX Your Account Number Ending : - XXXX Online Access : LogIn Button Dear XXXX XXXX, This message is to confirm that American Express has processed your recent request to cancel the following Card account ( s ). 

American Express Gold Card ending in XXXX American Express Gold Card ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 

Sincerely, American Express Customer Service
Product: Credit card

A credit card " account '' with Capital One Bank was established in my name without my knowledge or consent. I reached out to Capital One Bank via phone and submitted a request for an investigation. No one followed up with me about the investigation. After contacting capital one about the investigation I was told that the nature of the " account '' was considered accurate and that Capital One Bank did not believe the existence of the " account '' was due to identity theft. Despite Capital One 's findings, I am holding my position that the " account '' is the result of identity theft. With this complaint I am requesting further information. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent reports regarding our compliance with 15 USC 1681. It has come to our attention that there have been assertions of non-compliance made by your account. We find these reports to be both misleading and inaccurate.

As a company committed to upholding legal standards and regulations, we take compliance matters very seriously. We have diligently ensured that all our practices align with the requirements set forth by 15 USC 1681. Our compliance efforts are thorough and ongoing, and we continuously strive to uphold the highest standards of integrity and legality.Therefore, we request that any statements regarding our compliance be based on accurate information and thorough understanding of our processes. Misrepresentations can have significant consequences, including reputational harm and unnecessary legal complications. We are open to discussing any concerns you may have regarding our compliance practices and providing clarification where needed. However, we urge you to refrain from making unfounded allegations that can damage our reputation and credibility.
Product: Vehicle loan or lease

14 days after I payed the vehicle I contacted the company for a title delivery status. Rude customer service said they have 30 days by law. 35 days after I payed off the vehicle I contacted the loan company. Again rude customer service now stating they have 30 days to deliver the title after the processing of the title started which was 16 days ago. 51 days after vehicle was payed off they informed me they mailed the title to the wrong address 25 days after I payed the vehicle off. Customer service said they emailed the title department for a duplicate to be mailed out. I was stopped there no one else I could be transferred to!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letters XX/XX/2022 to XXXX experian and XXXX Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Product: Debt collection

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Debt collection

Company contacted my ex spouse looking for me, mind you we have been divorced 12 years and have changed my phone #, and address multiple times since the divorce. My name is no longer close to his. In the conversation that he had with them they disclosed the date of my supposed medical procedure, hospital and the amount that I supposedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX Bank and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all 3 credit bureaus ( XXXX, Experian, and XXXX ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXXXXXX 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
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account Number:XXXX  2.Account Name : XXXX XXXX Account Number: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. 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. 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.