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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.
Product: Mortgage

When attempting to payoff this mortgage ( loan number XXXX ) which was days away from a foreclosure auction, PennyMac returned our personnel check that was for an amount in excess of the payoff amount. PennyMac received this check on XX/XX/2022. The accompanying documentation stated that a cashier 's check was required even though their monthly statement and payment coupon said nothing about a limit on the amount of a personnel check or that a personnel check was unacceptable. 

A cashier 's check for an amount in excess off the payoff amount was then sent to PennyMac This check was delivered on XX/XX/2022. PennyMac did not acknowledge receipt of this check until XX/XX/2022, and then only after multiple phone calls and messages. We spent hours on the phone going through endless loops of people telling us that they had not received our check. Finally on XX/XX/2022, just four business before the auction date, they finally received our check and cancelled the auction. 

PennyMac charged interest and fees through XX/XX/2022. We feel they should credit back to me any charges after XX/XX/2022. We are also of the opinion that had we not made these extraordinary effort to force receipt of our check, PennyMac would have happily allow the home to go to auction, putting an elderly, XXXX widow who had just spent 4 months in the hospital and her XXXX son on XXXX XXXX.
Product: Debt collection

XXXX is claiming that I owe a debt from XXXX. 
The debt was actually created in XXXX, if there was even a debt? 
I divorced the man responsible for the 15 year old alleged debt. I dont understand how they suddenly act like its a debt from XXXX randomly, and have put it on my credit report. This is incorrect information and need to be removed from my credit immediately. 
I should be protected by the fair credit act.
Product: Checking or savings account

As per the terms of the promotion, I was required to open a Citi Access Checking account, make direct deposits totaling {$1500.00} within 90 days, and would receive a {$300.00} bonus within 30 days of completing the required deposit. 

I successfully opened the account on XX/XX/24 and completed the required {$1500.00} deposit via XXXX and my work direct deposit on XX/XX/24. However, it has now been 32 days since I fulfilled the requirements, and I have not yet received the bonus in my account. 

Upon contacting customer service, I was informed that the promotion was not visible on my account and was directed to the dispute center. The dispute center confirmed the validity of the promotion and assured me that I had fulfilled all requirements. However, they mentioned that I would receive the bonus within 60 days, which contradicts the terms of the promotion that stipulated a 30-day timeframe. 

I inquired about this discrepancy and whether the terms and conditions had changed, but I did not receive a clear explanation. I was simply instructed to wait. It is worth noting that a friend of mine who opened the same account received their bonus within 10 days of fulfilling the deposit requirement, as did several others mentioned in online blogs.
Product: Debt collection

XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2024 I filed a dispute due to an error made by XXXX XXXX that my XXXX XXXX balance had increased. Once the dispute was completed it concluded that my XXXX XXXX balance has been updated with the correct amount. XXXX added my points back that were taken due to this mistake but Equifax did not. It has been almost XXXX  months now and no points been added back from that situation.
Product: Mortgage

Lakeview Loan Servicing out of XXXX XXXX Florida is the mortgage holder on my home. They have not paid the property taxes to this date. I became aware of this when I began getting delinquent tax notices from the City, School and County. I called Lakeview and sent them copies of these notices in XXXX. Since that time I have received notices from the tax attorneys for each taxing entity and every time I call Lakeview Loan Servicing, they tell me it is under review. I have been put on hold for up to 1 hour on occasion with each person telling me the same thing, it is under review. Finally, I was told a check would be overnighted to the taxing entities on XX/XX/XXXX. After checking with them today, they have received a check. I called again today, XX/XX/2020. and have been on hold for one hour and was told the same thing, its under review. 

I am not sure what remedy you can do other than hold them accountable for paying the taxing entities as they should. 

Thanks
Product: Debt collection

I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Mortgage

My home is set for a property foreclosure sale, I have tried to acquire mortgage assistance from my mortgage servicer Select Port Folio. I  don't want to lose my home I submitted a mortgage assistance request with financials XX/XX/2019 
I would appreciate your help with helping me keep my home. My mortgage servicer is very difficult to work with. The foreclosure notice I received for the sale dates of my home was XX/XX/2019 from XXXX XXXX XXXX. I read that Tennessee law says the homeowner is to received notice of sale date 30 business days before foreclosure. 
The attorney and my mortgage company is not complying with Tennessee state law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Credit reporting or other personal consumer reports

This is my personal statement that the inquiries that I have listed are fraudulent and need to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, pursuant to 15 USC 1681e ( b ), my personal information must be kept 100 % accurate within my credit file. 

See Attached identity theft report.
Product: Mortgage

XXXX XXXX XXXX XXXX, the owner of my mortgage, has a rule in place that unfairly prejudices a homeowner in the foreclosure process from being fairly considered for a HAMP loan modification. While in a foreclosure status, my mortgagee refuses to accept any payment that is not the full reinstatement amount. For example, while in a foreclosure status, the mortgagor can not pay monthly payments. For example, the mortgagor can not make a {$50000.00} payment if {$51000.00} is the reinstatement amount. The loan amount in arrears is a key determinant in whether a loan is modified. The loan modification process takes a very long time. In my case, I received a foreclosure status on XX/XX/XXXX and I received a loan modification rejection notice on XX/XX/XXXX -- this is 13 months when I could not make any payments, 13 more months of loan arrearage that I was prevented from addressing by this rule ( I tried and the payment was returned ). This rule directly leads to increased arrears, which adversely and materially reduces the probability of a successful loan modification. This is grossly unfair to the conscientious consumer. I have called and emailed the loan servicer, Select Portfolio Servicing, multiple times about this rule and have been told by various customer service representatives, " It's the rule and there's nothing I can do about it ''. Sample dates of contact when I discussed this subject include : XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX.
Product: Mortgage

While working with Caliber Home Loans for my mortgage servicing, they tend to lack transparency. 

When a change is made to your recurring mortgage payment amount your existing payment is cancelled without notification. There is no email or message that you need to pay the existing payment and that they have cancelled it ( I even reached out via email and received no response ). Eventually you get a call from a debt collector asking you to pay and you get charged a {$3.00} fee for a one-time payment. 

There is also a {$27.00} fee for being late, but you are not notified about this charge as it is rolled into the one time payment. 

They are currently refunding my {$27.00}, but my concern is that unaware users are getting charged late fees with no notification or transparency. Cancelling your existing payment without notification and then charging a late fee is a very concerning business model.
Product: Debt collection

my son required an XXXX XXXX and my insurance was contracted with XXXX XXXX for this service. after having the machine for a few months my son no linger needed the machine and I called apria to come and pick up the machine, ( waited nearly XXXX mins for to speak to a rep ). They never showed up to pick up the machine. Called again a few times over the next few weeks waited on hold for over an hour to request for someone to pick up the machine. Finally about a month later I was able to sit on the phone and wait to get through to schedule a pick up. I then received a bill for aprox {$83.00} and I called and waited on hold for another hour or so to speak to someone about my bill. I had requested the machine be pick up last month and no one ever showed up. It is not my fault that they have no one answering the phone to schedule pick ups, i requested that the total be reduced. They would not work with me and extremely frustrated at this point, I ended up just paying the {$83.00} in order to just be done with them. Then a few month later I received a check from them for around XXXX dollars. I was confused but just figured they had done some kind of internal Audit and realized that they had over charged me. Then a couple month after that I received a call from a collection agency requesting the {$50.00} for XXXX XXXX, I called the Collection Agency and discussed this with them and told me that XXXX received the {$50.00} from my insurance and then paid it to me and now I need to pay it back to them? Why are they still collecting money from my insurance and why I am being sent to collections for the this?
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report. Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX VIA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX.
Product: Bank account or service

I have checking accounts with Chase and XXXX XXXX XXXX ( XXXX ). I deposited a XXXX check for {$13000.00} with Chase bank on XXXX 2016. Chase received the funds on XXXX XXXX 2016. XXXX XXXX XXXX confirms that Chase took possession of funds on XXXX XXXX 2016. I get a email from Chase fraud unit saying funds will not be available until XXXX XXXX 2016. 
According to Bank regulations Chase should have processed the check within two business days because they are local branches. 
Regulation CC Hold Guidelines Regulation CC availability rules include guidelines for cash and electronic deposits, check deposits from local banks and check deposits from other banks. Funds from in-person cash deposits and electronic deposits must be available to honor a depositor 's personal check no later than the following business day. Check deposits that are drawn on local banks must be available no later than the second business day following the date of deposit. The funds from check deposits that are drawn on a bank that is not local must be available no later than five days after the date of deposit.
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 report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

1-XXXX XXXX XXXX XXXX XXXX XXXX claiming a balance {$4200.00}. 
I was surprised to see this on my credit report cause i never had any business credit card or other with this bank. this matter decrease considerable my credit card payments. Talk to this company a few times about this problem they say they own an other company ( sprint credit card ) a company was closed and disappear for more than 1 year without any notice or alerts. During their one year closed it detrimental for my business i can not using this card cause was closed with all available credit and can not pay the balance monthly cause no app or address for check or pay using any office or online pay by phone. everything was out of service for 1 year sin any proper investigation. 

XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX had a credit card with target credit limit was {$250.00} i had a balance {$140.00} them a {$110.00} available credit when i try to pay my monthly no app wen to a XXXX XXXX machine they say the machine can not recognize the card got an customer service XXXX  employee the said they going to sent me a new card never get the newer card and after 2 month this company call me and dispute a few time and the put a negative for {$310.00}
Product: Credit reporting or other personal consumer reports

I have tried to get both my credit report and credit score from TransUnion credit reporting. I applied for my free credit report back in XXXX and was unable to get it. I thought there was a problem on their end with their system being down. I was able to receive my reports with the other agencies with no problems. On XXXXXXXX XXXX XXXX I tried to access my FICO scores with XXXX and could not get my scores due to a problem with TransUnion. I went online to try to get this problem fixed and got error messages only. 

I phone the customer support numbers numerous times and was only able to be told my file is " surpressed ''. I can not get anyone on the customer support lines to even tell me what that means. I tried to " unfreeze '' thinking perhaps that was the problem. I can not get Transunion to allow me to see my credit report online or get my score. On the phone I first encounter an automated response. When I finally get a live agent I have to tell them all my information including name, Social Security Number, Date of Birth, address, etc. They look my file up and pass me off to a " supervisor ''. I go through the same thing with the supervisor. Finally after the third supervisor that is unable to help me they tell me that the department that can help me is already closed. I have left my information for someone from that department to call me. I have spoken with at least XXXX people at TransUnion and no one is able to fix this problem. 
My file # is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX wrong address on file Transform Credit IncXXXX XXXX XXXX data breach identity theft XXXX- XXXX data breach identity theft
Product: Vehicle loan or lease

I went into Ray Skillman Gmc to do a consumer credit transaction in good faith ( pursuant 15 U.S.C 1642, 15 U.S.C 1681m, and 12 cfr 1002 ) but credit was not issued. They approved me for a XXXX and I was going to sign my papers. Then they changed the terms of the contract and said they couldnt sell me a vehicle. They said because I didnt have a license, they could sell me a vehicle if it was the lenders currency. But because it was coming directly from Ray Skillmans bank account then they couldnt sell it to me. 
Ray Skillman is in violation of 15 U.S.C 1681b ( 2 ) - I did not agree for them to run a consumer credit report. 15 U.S.C 6802 ( b ) ( 1 ) - They did not say I had an option to opt out. 15 U.S.C 1681a ( k ) ( 1 ) - Adverse action to the interest of the consumer. 15 U.S.C 1691 a ( 3 ) - I was discriminated against.

My credit card ( social security card ) ( Pursuant to 15 U.S.C 1602 ( i ) -any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) was ran and I received no benefit which is proof of fraudulent activity. 
After this experience I feel disrespected, belittled, and hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC
Product: Credit card

At XXXX XXXX  on XX/XX/25, I noticed that hundreds of spam emails were hitting my XXXX account. I learned that it was potentially someone committing a fraudulent act attempting to bury potential purchases they were making. I scanned all the incoming spam emails and identified XXXX purchases made via XXXX using my credit card : the first for {$1300.00} and the second for {$710.00}. Upon discovering these XXXX purchases, I contacted SoFi bank to report the purchases, mark them as fraudulent, and cancel our credit card so no additional purchase could be made. The representative did so ; they also opened up a transaction dispute with the SoFi XXXX XXXX team. On XX/XX/25, I notified the sellers via XXXX that the purchases were fraudulent. On XX/XX/25, I also reached out to both vendors via XXXX message to further alert them to the fraudulent purchase as I did not get a response from the message that I sent on XX/XX/25. Then, on XX/XX/25 and XX/XX/25, I contacted XXXX to prevent the second package from being delivered to the fraudulent address, under my name. Finally, on XX/XX/25, I contacted the SoFi XXXX XXXX team for an update and a request that a provisional credit be issued while the investigation is ongoing. I have not heard back from them.
Product: Money transfer, virtual currency, or money service

I have contact cash app on XX/XX/XXXX about {$210.00} bitcoin I been scammed because I have never got my other and the seller will not respond back to my email I have ordered a prepaid gift card and never got it and I have contacted my bank and cash app and they both they tell me they can't help me or dispute the payment I am XXXX because I got scammed out of {$210.00} and can't get a refund I want y'all to refund me my {$210.00} back or dispute the payment for me.