23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XXXX there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX Account Open Date : XX/XX/year>. Account number : XXXX. Please remove this from my credit file.
Product: Credit card

Updated complaint : Citi 's response in pointing to terms and conditions is irrevocably incorrect. I took the necessary steps through multiple channels to locate my card number as it was indicated in the marketing materials. I called customer service three times and used the online chat at least three times to request information on how to locate the card number. In none of my outreach was a Citi representative able to provide any direction or guidance on how to access the card number. 
I am asking the CFPB to open an investigation against Citi on marketing practices as it appears they are either falsely advertising or they have not adequately trained their employees on how to handle these requests. 
I spent over 4 hours trying to get the card number after it was instantly approved and no Citi representative after at least 6 contact points was able to provide or guide to the information that the terms and conditions & marketing material suggest is available. 



Original complaint submitted : Citi violated UDAAP violation regarding sections 1031 and 1036 of the Dodd-Frank Act. I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional XXXX hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.
Product: Mortgage

Everything concerning my account has been corrected with the exception of a {$65.00} late fee for which I am still being billed as of my payment due XX/XX/XXXX. This late fee was caused by PennyMac 's misapplication of my XX/XX/XXXX payment made in the amount of {$1600.00} to principal in the amount of {$850.00} and to escrow in the amount of {$780.00} instead of applying it to the regular payment due in the amount of {$1600.00}. 
However, PennyMac has since corrected this misapplication but has neglected to delete the late fee that was erroneously charged. It is requested that this late fee be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.
Product: Credit reporting

I checked my XXXX account to monitor my Credit and noticed a Hard Inquiry reported to Equifax on XXXX XXXX 2016 from a lender called XXXX under XXXX XXXX XXXX XXXX. I have not applied for any cards or authorised any Hard Inquiries since XXXX 2016. Please help me get this removed.
Product: Money transfer, virtual currency, or money service

I was at US Bank branch and the young boy employee was unprofessional, misleading, discriminatory, etc.. 
I will report the branch discrimination and unprofessional act. I dont have a US Bank account, I was depositing my rent to the landlords account, as I did before. The discrimination, misleading, etc happened, because I am not a native XXXX speaker and they smiled at me. I have a witness. 

XXXX XXXX XXXX XXXX US Bank discriminating. I was deposited XXXX cash, the bank employee asked my occupation, my social, my employment, etc.. They said I can not deposit the XXXX  cash if I do not provide the answers for they questions. They needed all of this extra data beside my XXXX  ID. According to the US Bank, it is a Federal Regulations they need for all of the data listed above. In addition, the bank employee stated that, it is also a federal regulation i can deposit only XXXX cash. It is not possible to deposit more than XXXX cash, because it is a federal regulation. I asked for the manager, he wasnt available. The other US Bank XXXX minutes later ( and other US Banks before XXXX  ) didnt asked for my social, employment, etc.. 
That XXXX XXXX US Bank is the worst and discriminating bank in the XXXX, according to me and others
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax are reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation took longer than 30 days and was sent on XX/XX/2022. Experian is in violation of 15 U.S. Code 1681c-2 and was supposed to block the fraudulent accounts within 4 days once they have received my complaint. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. 

I expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Here are the violati

ons under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes. 2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation. 3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( 1 ) Furnishers must respond to disputes within 30 days. Sending stall letters without conduc
ting an investigation or providing a resolution breaches these FCRA requirements. 

XXXX XXXX
Product: Vehicle loan or lease

Chrysler Capital, XXXX XXXX, and its affiliates has aggressively breach the peace, by seeking Police Officers to trespass on my property without permission. Causing the situation to become hostile, through arguments, and blocking my personal space putting my safety at risk. Everything was done against my rights.
Product: Checking or savings account

XX/XX/2020 and XX/XX/2020 attempting to link our business checking account to XXXX in order to apply for PA State XXXX XXXX Grant. 

Keep getting an error message from XXXX that PNC has changed their procedures and is not allowing a properly authorized link to occur. 

Need resolved ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the XXXX credit reporting agency. The case of the complaint is that the XXXX is continuing to post inaccurate accounts on my credit report. 
I stated that multiple accounts that are student loans and false credit card accounts are not my accounts, and identity theft reports from two law enforcement agencies were submitted. 

The fraudulent accounts are continuously being reported without the creditors or the XXXX  ever providing verifiable documents that the accounts were applied by me and used by me. They are accusing me of making a false statement without any shreds of evidence that I am. 

Both XXXX  and the creditors are in clear violation of FCRA.
Product: Student loan

Hello, I am reaching out due to Mohela not processing my PAYE recertification after submitting it on time, months ago ; I also can not reach anyone to discuss processing forbearance. Please find relevant details and questions below : I have been on PAYE for my student loans since XXXX. When I received notice it was time to recertify, I did so on studentaid.gov. I received email confirmation my " electronic IDR request '' was received on XX/XX/XXXX. 

My servicer is Mohela and they still have not processed it yet. They have not communicated with me at all or sent any messages. I submitted my annual form on time and submitted everything requested of me. My monthly payment has been XXXX per month on this plan while I work towards PSLF.

Because they have not processed the form I submitted, it shows my new monthly payment amount is {$2000.00}, next due on XX/XX/XXXX. How is this legal? I called them and after an exceptionally long hold, the agent said this is due to " unprecedented times '' and she could transfer me to someone else to discuss the option of a processing forbearance. I have now been on hold for multiple hours during this transfer and have not reached anyone to resolve this. I would like to know : XXXX. Why am I being punished for THEIR backlog and inability to process my form, and furthermore why am I being forced to pay a higher amount than on my PAYE plan because THEY haven't been able to process it ( even though I submitted everything when asked )? I also can't reach anyone to resolve it and lower the payment. I am literally being forced to pay more than I am supposed to by no fault of my own. They are neglecting my annual recertification application and thus collecting more money from me than I should be obligated to pay by the terms of my plan and related recertification. I can not imagine any other financial institution doing this legally. 

2. How can they increase my monthly payments without any prior communication or discussion of options?

3. How can I speak to someone to fix this? If I can not reach anyone to resolve this, will they credit back my overpayment amount since they have not processed my form or offered any sort of processing forbearance? 

4. I know a few recent PAYE applicants are being processed within days. Why has mine been months without any updates or processing?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report ( " Dispute '' ). Trans Union has spent the last 6 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. 

On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute. 

On XX/XX/XXXX, I submitted another complaint regarding Trans Unions refusal to follow though with its promise to this office and investigate my dispute as it agreed to do. See XXXX. 

On XX/XX/XXXX, again refused investigate my dispute. Trans Union again sent me a boilerplate response instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. Your office was provided with a copy of their response. XXXX : Id. 

Complaint : I have presented Trans Union with a dispute as to the accuracy of my credit file. Specifically, I disputed unauthorized hard inquiries that appeared on my credit report in XX/XX/XXXX. Trans Union has a duty to investigate the accuracy of these inquiries. Trans Union has agreed that it has a duty to investigate these disputes. See Complaint No. XXXX. Nevertheless, Trans Union wilfully refuses to comply with it obligations in a timely manner as required by the FRCA. 

Remove the disputed inquiries.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX Account number : XXXX you have this account as closed with a balance of {$2000.00} but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

Please remove my inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Company told me my account was being closed with no explanation. Every time I called customer service to ask why and how to receive my money back, they hung up. I have {$15000.00} in my accounts with them that has been illegally taken from me and I have no idea when or how to get it. This company is fraudulent!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX. I called the XXXX concerning this several times. There was a balance due after I notified XXXXXXXX XXXX of my XXXX XXXX  status. I received a notice from my XXXXt loan servicer from XXXX showing the loan was taken out.. I had no agreement with Keys 2 Recovery nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXXXXXX XXXX anything. I do not owe Keys 2 recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

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: Mortgage

I currently doing refinance with HSBC. My loan submitted in XXXX and they locked the rate for 90days. My mortgage got approved XXXX and they started to work on the subornation XXXX. In XXXX before the rate expired I have told them to extend the rate, their employee told me the rate has expired and they will extended. My rate was locked at 3 % and on XXXX XXXX I received an email for closing cost that my rate has increase to XXXX. I called HSBC again. My answer was your rate has expired then they will use the new rate. I feel HSBC is misleading their customer and they are cheating me as their customer. Their employee send me an email saying you either have to take it higher rate or pay {$4400.00} For 15days extend. My self is mortgage banker at another lender and I know how the extension works. For. 14 days charge I should n't pay for {$4400.00} or my rate went up since I already lock so what is the point of extension for? I need someone to help
Product: Credit card

An unauthorized transaction occurred on XX/XX/24, to my venmo debit card iao {$300.00}. I have disputed the transaction to Venmo who quickly denied my dispute. Funds need to be returned. This company has violated reg E, reg, P, and I am highly concerns for the instituations UDAAP policies in handling such situations. Fair banking and lending need to investigate this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute incorrect name and address on my credit report with Experian They will not let me dispute them.