23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called to pay off the {$80.00} balance with my Macys that I found on my XXXX report. I spoke to a male and he took my credit card info to process post dated payments for XXXX XX/XX/XXXX. I called on XX/XX/XXXX because my first payment hasnt been drafted yet. The lady on the phone told me I no longer had an account and she didnt see a payment plan made because there is no acct and they are no longer collecting the {$80.00}. Im not sure why this was not told to me when I spoke to the first rep. He took my credit card information to pay for it and read me the whole script about my payment. I dont know why he really did with my info if he didnt have an account to enter it. I asked them to have a manger listen to that call and call me back and I havent heard anything yet
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number-XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Student loan

I have a loan with Mohela and requested a manual general hardship forbearance that I uploaded to the site in my account on XX/XX/year> and it was approved XX/XX/year>. They still have not applied it to my loan that is in repayment. and I have called 5-6 times and they have resubmitted it for adjustment and no one can seem to help with this. This is absurd that no one there is competent and I keep getting a bill that I can't currently pay especially when I have been approved for forbearance and they just can not figure out how to apply it. I do have two loans. One is a parent plus loan and this XXXX  is still XXXX XXXXXXXX. I did not apply for the forbearance for this loan as it is currently deferred. The forbearance application, which was approved as you can see under my documents, clearly states it is for the loan in repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX  ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Consumer Loan

To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX
Product: Money transfer, virtual currency, or money service

ALERT ALERT ALERT XXXX XXXX XXXX BANK OF AMERICA OPENED A ACCOUNT XXXX IN MY NAME IN XXXX AND ISSUED A DEBIT CARD ON MY SOLE OWNED BANK OF AMERICA ACCOUNT. THAT WAS NOT OPENED UNTIL XXXX AS PER BOA REGULATORY XXXX!!!! 
XXXX AND BANK OF AMERICA regulatory XX/XX/XXXX letter response to the CFPB AS PER ATTACHED ... BANK OF AMERICA STATES in their review that as per their records my sole account of XXXX WAS OPENED XX/XX/XXXX. ... ... THEN BANK OF AMERICA LETTER dated XX/XX/XXXX that I never received and reported it to the CFPB and bank of America thru my feedback comments THAT I NEVER RECEIVED A BOA RESPONSE. I also reported interception of my us mail again in XXXX to the Federal Law enforcement of the USPS. My claims of fraud and identity theft has been confirmed by Bank Of Americas regulatory commissions letter dated XX/XX/XXXX. ATTACHED ... ..THAT IS WHY IT SHOULD BE RLEQUIRED THAT ALL CFPB COMPLAINTS RESPONSES BE SENT THRU THIS PORTAL CFPB AGENCY FOR RECORDS AND NOT Directly to the consumer ... I would have caught the stolen boa correspondence!!!! my ongoing complaints and reports of fraud and identity theft in person to boa since XXXX to XXXX manager at XXXX XXXX XXXX XXXX XXXX va bank of America. 
Bank of America 's letter dated XX/XX/XXXX review findings is attached. It clearly RECORDS AND documents my stated reports to the CFPB and other state and federal agencies ... THAT BANK OF AMERICA FAILED UNDER THE LAW TO PROTECT BOTH MY IDENTITY AND INFO AND MONIES..BANK OF AMERICA OPENED A ACCOUNT IN MY NAME TO UNAUTHORUZED ENTITY PERSON AND THEN UNLAWFULLY ISSUED A DEBIT CARD # XXXX ON my sole owned account of XXXX XXXX XXXX XXXX ON XX/XX/XXXX ... ... ALERT!!! ALERT CFPB!!!!! BANK OF AMERICA HAS OFFICIALLY STATED On bank of America 's regulatory commission review letter dated XX/XX/XXXX that I never received until XX/XX/XXXX -- -THAT A DEBIT CARD # XXXX XXXX WAS ISSUED ON MY SOLELY OWNED ACCOUNT XXXX on XX/XX/XXXX -- -- that bank of America stated WAS NOT OPENED UNTIL XX/XX/XXXX in their XX/XX/XXXX response to the cfpb complaint of mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of disputes outcome. These failures aligned with my experience, where Experian has neither corrected nor removed.
Product: Checking or savings account

I am trying to withdraw funds ( {$15000.00} ) from my IRA Account with Syncrony Bank. I filled out the appropriate paperwork and Faxed it to them on XX/XX/XXXX and then also E-mailed it to them on XX/XX/XXXX. I still have not received the funds. 

I have called 10 times and spoken to a Customer Service Representative. One told me the money would be in my Account on XX/XX/XXXX and it was not. On another call a Representative told me it would be in the account on XX/XX/XXXX. It was not. 

Another employee told me they were totally understaffed in their IRA Department. 

Today I called and the Representative named XXXX said I should wait a week and if it hasn't gone through to submit another form. She said Syncrony has been trying to contact my bank XXXX XXXX XXXX XXXX XXXX to verify information but has been unable to. 

At this point I need the money to live on and to make purchases. I will now have to get a Credit Card advance to pay my bills which will cost me {$280.00} and if the money isn't in my account by the end of the year it will adversely affect my taxes. 

It is inappropriate to not be able to access one 's funds for nearly a month. I appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done XXXX attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX, I brought XXXX XXXX XXXX  to link my and my wife 's XXXX XXXX accounts to our joint checking account. The bank branch advised they can not provide stamp/seal of Treasury documents as stamp/seals have been removed from the branches. Only financial advisors have access to the stamp/seal and will only come to a branch if we were to request financial advisor services. 

Approximately a week ago, I mailed the form to Treasury without the stamp/seal. 
I submitted XXXX XXXX without the stamp/seal and it was rejected on XX/XX/XXXX. 

XX/XX/XXXX - Contacted Fulton ( XXXX ) to discuss with their customer service. There is no option to talk to a person and the phone tree would only give account balance detail. 
XX/XX/XXXX - Emailed Fulton Bank and response is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 that states I have the right to privacy 15 USC 1681 section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666B a creditor may not treat a payment on a auto loan account under open and consumer credit plan as late for any purpose
Product: Mortgage

I currently have a home mortgage with Chase and have received several offers from them to refinance at a lower rate. I decided to pursue their offer and filled out an online refinance application. I was soon contact by one of their mortgage specialist, XXXX XXXX, who went over the process and documents that I would be required to provide for the application process. She also told me they would need to charge {$500.00} to my credit card to proceed. I have her permission to do so and promptly uploaded all requested documentation. Several days later XXXX contacted me and said the also were going to require that a provide internal financial statements and tax returns for an XXXX that I have minority ownership of. The corporate board will not allow me to share that info and a relayed that to XXXX. She said the would not be able to proceed with the the refinance application and I said ok refund me my {$500.00}. She now refuses to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by nationstar/mrcooper and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, which I can not explain. I check my report regularly, and now, out of nowhere, these issues have surfaced. I refreshed my browser multiple times, thinking it might be an error, but nothing changed. This is incredibly frustrating, and I demand that my documents be checked thoroughly, so I don't have to deal with this problem anymore.
Product: Credit card or prepaid card

Emails from Barclay card contain third-party trackers even in service related communication. Two common spy trackers ( also known as pixel tracker, web beacon ) are from XXXX XXXX with domains like XXXX XXXX XXXX XXXX, and XXXX  with domains like XXXX XXXX XXXX XXXX These email trackers are invisible. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email addresses. Being unconsented, these are examples of breaking receipts ' trust and XXXX  violations of all privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started in XXXX of last year when I got my report from Experian and saw things that was not mine. I decided to work on getting those things off my credit report. From the time I started repairing my credit up until now I have seen my right violated. The beginning of this year my rights has really being violated, and I have had enough! 

I sent out a dispute letter to Experian on XX/XX/2020 which was delivered on XXXX the XXXX disputing 8 inaccurate accounts demanding to see verifiable proof with my signature to verify that these accounts were mine. They had 30 days to reply according to the Fair Credit Reporting Act, which they sent me nothing. They had already violated my rights by being 30 days late. On XX/XX/XXXX I sent out a non-response letter which was delivered on XX/XX/XXXX I put some leg work or to say my DUE DILIGENCE to get them some proof that these accounts was inaccurate on my report. XXXX XXXX refuse to send me anything and XXXX XXXX sent me nothing! I asked Experian the question, If XXXX XXXX, and people refuse to send me anything ; how are you verifying, and validating this information? They finally sent me a one page something on XX/XX/XXXX which all it had on their was a list of accounts I disputed which wasn't all of them, and they had a account on their twice which is now reporting on my credit report twice! That has caused my score to drop badly!! Now that response letter was to the letter I sent on XX/XX/XXXX. 

After sending out that non-response letter on XX/XX/XXXX, they sent me back a response on XX/XX/XXXX with just two creditors on it which was the wrong creditors I never disputed those two accounts and now my two credit cards has been suspended because of this false reporting by Experian, and I really think they did that on purpose!

I just sent out another letter with all the violations of my rights and stated to them that I plan on reporting them to the FTC, CFPB, and the BBB as well as getting a FCRA LAWYER. Experian has really messed up my credit and they are still saying that all has been verified!

PS. If you need more information such as all my files I have I will send it to you, it's a lot of pages to upload.

Hope you can HELP Thanks, XXXX XXXX
Product: Credit card

Citi credit cards advertise for a promotional program called " Merchant Offer ''. By registering with a " Merchant Offer '', when customer uses the Citi credit card to make purchases at the specified merchant, Citi commits to issue a statement credit for the Merchant Offer. 

On XX/XX/year>, I registered for a Merchant Offer at Citi for XXXX merchant, which offers 8 % cash back for 2 redemptions, this offers expiration date was XX/XX/year>. 
On XX/XX/year>, I used my Citi credit card for 2 purchases at XXXX merchant. The amounts for the purchases were {$440.00} and {$440.00}. With the 8 % merchant offer, the expected credit would be {$35.00} and {$35.00}, totaling {$71.00}. 

On XX/XX/year>, I registered for a new Merchant Offer at Citi or XXXX merchant, which offers 4 % cash back for 2 redemptions, this offers expiration date is XX/XX/year>. 
On XX/XX/year>, I made a purchase using Citi credit card XXXX merchant for an amount of {$390.00}. The expected credit here is {$15.00}. 

In total, with my registered " Merchant Offers '' at Citi, Citi should have issued statement credit of {$87.00} to my account. 
However, up until today XX/XX/year>, Citi has not issued any statement credit for the two Merchant Offers yet.

I have contacted Citi customer service last month, they have given me a reference number of XXXX, and promised to get back with investigation results. But there is no response.
Product: Debt collection

I spoke to an agent on XX/XX/18, and tried to resolve the account, like this XXXX character advised they would help me do. Offered no type of assistance and refused to set up a payment arrangement or settle the loan, as agreed with this XXXX character, who apparently is a liar, a cheat, fraud. The agent was verbally abusive and disrespectful and refused to assist me and set up a payment arrangement. Would only accept full amount and refused to help. Told me to destroy my credit before they would help me, which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX1 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet EXPERIAN has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, EXPERIAN may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. 

Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. 

In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with EXPERIAN 's failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find inaccurate accounts listed, and I have no clue how they got there. I usually dont have any issues, but this time, the discrepancies were completely unexpected. I refreshed my browser, hoping it was a temporary glitch, but unfortunately, the errors stayed. Im now asking that the documents Ive submitted be carefully examined to prevent this from happening in the future.
Product: Consumer Loan

i went to XXXX and finance a car XXXX through wells Fargo Bank they told me if im putting a $ XXXX upfront my monthly payments will be XXXX per month including all taxes and fee 's i sign the contract and they said copy of all the contract will send by mail i got my first bill the payment was {$460.00} A month i called them and they told me no way we will look into it i called wells fargo they said we will look into it but they never did then they told me take the car back to XXXX i went back they told me this guy no longer working there so they have no clue what am i talking about then i stop making payment bc i could n't pay i was i college and the repo the car i called them spoke to them and they told me that they will remove the negative item from my credit file which they didnt i sue them in court i win the case and they still dont want to remove it they ruined my credit i cant get student loan and i cant continue going to college im a single mom and they destroy my life and my future