23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a current 30-year mortgage with Bank of America ( BOA ). The interest rate is 4.5 %. My FICO credit score is XXXX. I have paid off my student debt and car loan so the only debt I have is the mortgage. 

About a month ago, with interest rates falling, I applied to BOA for a re-finance quote. They quoted me 4 %. I thought that was high, so I did some research online and obtained a 3.375 % quote from another lender. BOA asked for the opportunity to match the rate and said it would be easier for me to remain with them since it would be less paperwork and more convenient. Stupidly, I agreed and told the other lender that I would not be taking their offer. 

During the following weeks, BOA sent me Closing Disclosures ( CD ) that showed they would pay me {$630.00} at closing ( see attached ). The last one I received was on Wednesday, XX/XX/XXXX. Because I work a regular XXXX - XXXX job, BOA scheduled my closing for XXXX yesterday, XX/XX/XXXX at my home. When the closing agent arrived he gave me a CD that showed I needed to pay $ XXXX at closing. I was shocked. I am not a drug dealer so I don't have that money lying around at home. I called BOA and spoke to the loan manager ( " XXXX '' ) and she said it was for property taxes. However, that amount was significantly higher than the amount quoted in the XX/XX/XXXX CD.  Additionally, in none of the many email and phone correspondences between me and BOA from XX/XX/XXXX -XX/XX/XXXX, NOT ONCE did anyone mentioned that I need to bring any money to closing. Needless to say, I was unable to do the closing and will be cancelling the re-finance application and taking my business elsewhere. 

I noticed today that interest rates have now gone back up. 

I strongly believe that BOA knew that could not truly match the rate of the other lender and resorted to a " bait and switch '' scheme to entrap me. 

How is this fair? How is this remotely honest? Is there any remedy or options to punish BOA for engaging in this practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, Before i XXXX  from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender
Product: Credit card

For the past 3 months ( XXXX, XXXX, XXXX ) I have scheduled my payments for the full statement balance on the due date just like I have Always done since I opened the account. The past 3 months, the payment date has changed. The past 3 months the payment has posted to my account 1 day after I scheduled the payment. The past 3 months I have been charged interest fees. The past 3 months I have called and chatted with the company to get things taken care of. They did credit the interest fees in XXXX they are refusing to credit me the interest fees for XXXX and XXXX. They also refuse to see if it is a problem with their system since the same situation has happened to me for 3 consecutive months. I have never paid a bill late with this company. Something mustve changed on their end that is now having my payment post a day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report. I did not give anyone written or verbal authorization for this.
Product: Mortgage

XXXX loan 15yr fixed equity w/ XXXX and Parent as co borrow, XXXX adult, parent handle SSDI  benefit income for daughter. XXXX XXXX loan in default. 
XXXX parent now XXXX, no longer able to handle financial affairs, notified XXXX, ask for modification pending.. 
XX/XX/XXXX parent died with out will. told to reapply for modification as individual. property securing lien, XXXX. No first mortgage, property a triplex w/ rental income. no help, no recast from XXXX, income too low to qualify. XXXX SENT refused to sell since other siblings refuse to pay off lien w sale XX/XX/XXXX transferred to XXXX, loan accelerated ( owe XXXX ). XXXX  XXXX  XX/XX/XXXX modification denied since other sibling collecting all rental income refused to sign provide proof of rental income. Both tenant and other relative in other house refuse to help, very hostile. 
XX/XX/XXXX HUD  agency, Transferred to XXXX XXXX XXXX, default/foreclosureXXXX granted modification, with sons signing to provide additional XXXX a month. 
XX/XX/XXXX transferred to Select Portfolio services, XX/XX/XXXX to date Pay all cost for property - Property Taxes, Hazard insurance, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ( water, sewage ) Now I continue to ask for help, yearly cost for owner expenses is average {$12000.00}. I would owe nothing if my parent grantor / co borror alive, instead unable to collect any help from tenant, relative in my parents house, XX/XX/XXXX started to evict, now cant evict and must try to sell now, i have not missed any payments, still XXXX, no probate but no help, proof of ownership, no voice, no inclusion and hopeless again. Always to truth, 15yrs yet no forbearance, I owe more now since not a dollar of help, can now prove brother collected XXXX rental income, not ok. I'm still XXXX, getting worse, what did XXXX and XXXX do for XXXX, no privacy, no dignty or help.
Product: Consumer Loan

Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my XXXX report ( enclosed as attachment ) they are reporting the date of delinquency as XX/XX/XXXX. On my XXXX report ( enclosed as attachment ) " No Data '' for XXXX, XXXX, and XX/XX/XXXX was reported. This account went 30 days past due in XX/XX/XXXX. I made a few partial payments after XXXX but the account continued to remain in arrears. In XX/XX/XXXX, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six months delinquent. I request Sheffield Financial substantiate payments received during all periods they are reporting during XX/XX/XXXX. If they are unable to do so, since the account became 30 days past due more than seven years ago, they need to delete any and all negative information reported to all credit agencies associated with this account.
Product: Credit reporting or other personal consumer reports

I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX Dear Equifax , I hope this letter finds you well. I am writing to express my concern and seek clarification regarding the accessibility of my credit report. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are mandated to provide consumers with their credit reports upon request.Recently, I requested my credit report from XXXX, and they promptly provided the information I sought. However, when I made a similar request to Equifax, I encountered difficulties in obtaining my credit report. This has left me puzzled and concerned, as I believe that all credit reporting agencies are obligated to adhere to federal laws regarding consumer rights and fair credit practices.I kindly request that you review my situation and provide an explanation as to why my credit report has not been made available to me, as required by the FCRA. Additionally, I would appreciate it if you could clarify any specific reasons or procedures that may be affecting my ability to access this information through Equifax.I value the importance of accurate and up-to-date credit information, and I believe that transparency in this matter is crucial for consumers like myself. Your prompt attention to this matter is greatly appreciated.Thank you for your cooperation.Sincerely, XXXX XXXX XXXX
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 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The following accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied to XXXX XXXX XXXX  for a student loan. I was denied due to unpaid bills. My bills are automatic withdraws. The only large amount I have taken out of my account is my car loan, where I have to manually pay the bill each month via a electronic payment over the telephone. I leased a car starting in XX/XX/year>. I was approved for a loan at that time. I believe that my CREDIT SCORE is INACCURATE. It was much higher in XXXX compared to now, XX/XX/year>. I have searched several times to obtain my credit score used for the above mentioned car financing option. I do not understand why I was approved for that loan, but not the XXXX XXXX  loan. I have a student loan through XXXX XXXX. I used it for the Spring  of 2024 and XXXX 2024. It does not make sense that I was approved for these loans, and yet, was denied for this specific student loan request. I request that my CREDIT SCORE be checked and verified. I believe it to be wrong and need it fixed to be able to apply for student loans and for a future vehicle financing option. Again, the majority of my larger bills are paid via automatic withdraw. I also believe that several of my bills had not been paid because my credit card expired this past XX/XX/year>. Furthermore, these errors are costing me financially and academically. This needs to be resolved ASAP and fixed ASAP. Thank You, XXXX XXXX.
Product: Mortgage

We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
Product: Credit reporting or other personal consumer reports

I attempted 7 times to unfreeze my credit file on your website and was unable to do so. I called Experian 5 times and each time, was unsuccessful in reaching a customer service representative. Your website does not have the functionality required for users to unfreeze credit files. The website neither provides consumers with email addresses to send an email nor provides phone numbers to speak with a representative. This is unacceptable as the law requires you to provide consumers with the means with which to communicate with. 
The reason I attempted to temporarily lift a security freeze is to apply for a new credit card. I painlessly lifted my security freeze with the 2 other credit reporting agencies. One was done online and the other via telephone with a human being that was available to help me. 

This is a formal complaint that I am sending to the Consumer Financial Protection Bureau as you are a consumer agency and have failed to provide the consumer with customer service contact information. Your website does not offer ANY customer service phone numbers other than the main phone number, all of which is automated. The automated options are inadequate and when I requested to speak to a customer service representative the 7 times I called, the automated system indicated there is no specialist to speak with. This is unacceptable and I need my security freeze temporarily lifted. I applied to a credit card and should have been immediately approved ; however, I was not approved and was told that the decision will be made and sent via mail. I previously lifted a security freeze in XX/XX/year> and did not have any problems doing so. I even created a new account with Experian but the system said it could not confirm my identity. 

I need this issue resolved immediately so I can continue with my credit card application process.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, XXXX took an unauthorized debit of XXXX from my checking account with XXXX XXXX XXXX XXXX XXXX. My payments with XXXX are due on the XXXX of every month. I receive my statements from Upgrade notifying of my payment due on the XXXX. I was given no notice from Upgrade of any pending debit from my checking account scheduled on XX/XX/XXXX. Even though it was XXXX, I was overdrawn on my checking account and their unauthorized debit caused me to incur another {$30.00} overdraft fee with my credit union.

I immediately notified my credit union that this deduction from Upgrade was not permitted. And I immediately chatted with someone on Upgrade. In the chat, which I saved, the agent acknowledged the transaction was a billing error and she then directed me to call the Upgrade XXXX XXXX. I did so and spoke to XXXX who also reviewed the error and assured me they would reimburse me the {$30.00} fee directly into my checking account. He instructed me to obtain a PDF statement from my credit union showing that Upgrades withdrawal error caused me this fee. 
I immediately got the statement from my credit union and forwarded it to the email address given to me by Upgrade. I called again the following day to receive acknowledgment that the pdf was received. I asked for XXXX again but was sent to someone else entirely. They said it would be reviewed and I should have the {$30.00} reimbursed within the week. It has now been XXXX full weeks and Ive received nothing from Upgrade. They have not reimbursed me the {$30.00} fee they caused.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.
Product: Checking or savings account

On XX/XX/XXXX I requested a funds transfer from my XXXX XXXXXXXX XXXX checking account, to my linked bank account, The XXXX XXXX ( Chime ), in the amount of {$400.00}. Then on XX/XX/XXXX, I requested another transfer of funds, to the same bank account, XXXX XXXX XXXX ( XXXX ), in the amount of {$390.00}. I was supposed to receive the funds XXXX business days later and never received anything. XXXX sent me an email on the XXXX of XXXX stating that my deposit has been returned due to mismatching names on the accounts. XXXX ( Bancorp ) said they never collected any money from First Citizens Bank and to contact First Citizen 's to see when will my money be recredited to my account. First Citizen 's is saying once it's been processed, it's out of their control. Both banks are refusing responsibility for my lost money. I have not been given any courtesy from either banks. No bank has protected my missing funds by crediting me my funds back and have left me in a problematic situation with my bills.
Product: Credit card or prepaid card

I put in a dispute on my XXXX XXXX  credit card on XX/XX/XXXX it still has yet to be resolved in the 30 days I have sinced called both companies involved a few times and have yet to resolve this issue also I have received late fees since this has started. XXXX XXXX  would not remove the charges of items I received and comenity capital bank has not disputed the charges yet.
Product: Credit card or prepaid card

Over the past few months I have been received " pre-selected '' letters in the mail from Citibank claiming I was preselected for their " Double Cash back XXXX ''. After XXXX letters I decided to apply only for Citibank to decline my application, then they send me another letter shortly after with the same verbiage. Based on their letter I should be qualified for the card yet they denied me for reasons not listed on the XXXX page of the letter. My income ( attached bank screenshot from XXXX ) is more than enough based on their criteria. I feel that CitiBank is using deceitful tactics to get people to apply but then deny their applications despite saying that they've been " pre-selected '' and meeting their supposed criteria. I feel that Citibank is praying upon younger individuals such as myself by using words such as " your invited " pre-selected '' : '' invitation '' getting them to apply and potentially harming credit scores and adding inquires. If a person is " pre-selected '' then they should be screen for higher odds of being approved but not denied for again reasons not listed on their " criteria 's '' page.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

Experian was erroneous information on my credit report and will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 XXXX accounts. Accounts already proven inaccurate and removed from other bureaus and involved in litigation due to noncompliance. 

No information has been given to me. XXXX has not contacted. I do not owe this account. It's been over 180 days and no information given nor sign of investigation