23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 {$8400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Mortgage

I am filing a complaint against BSI Financial Services for engaging in unfair and potentially predatory foreclosure practices. I have been receiving threatening letters and notices from BSI Financial, as well as communications from their lawyers, indicating that foreclosure proceedings are imminent. 

These actions are causing extreme emotional distress and financial hardship. I believe these practices may violate consumer protection laws, as BSI Financial has not provided clear, transparent information regarding my loan status or options to avoid foreclosure.

1. Lack of Communication or Clarity : Despite my attempts to contact BSI Financial, I have not received a clear explanation of the foreclosure process, my loan status, or my available options.

2. Threatening Language : The letters I received use threatening language, creating an environment of fear and confusion rather than offering solutions.

3. Legal Pressure : I have been contacted by BSI Financials legal representatives, which I believe is an intimidation tactic to push me into compliance or payment without exploring alternatives like loan modification or repayment plans.

I am requesting that BSI Financial : Provide a clear explanation of my loan status and any payments owed. 
Stop sending threatening letters and communications from lawyers that do not provide clear, actionable steps I can take to resolve the situation. 
Offer a fair resolution such as a loan modification, repayment plan, or alternative foreclosure avoidance options. 


I would like the CFPB to investigate BSI Financials practices and require them to engage in good-faith communication with me to resolve the issue. I am also seeking protection from further harassment or intimidation related to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX.
Product: Credit card or prepaid card

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 
XXXX XXXX
Product: Debt collection

The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

ALL THREE CREDIT BUREAUS ARE REPORTING INACCURATE PERSONAL INFORMATION. IVE ALREADY TRIED TO FIX THIS ISSUE AND NOTHING HAS CHANGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX credit card account appears on my Equifax credit report, I have been trying to fix it since XXXX, its XXXX and the problem is still not solved. I have been into the bank, spoken with a banker, they wrote my a letter saying that It was going to be fixed in XXXX.
Product: Consumer Loan

I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? 
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. 
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.
Product: Credit reporting or other personal consumer reports

The report stated the info is correct according to Navient. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both Navient and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to Navient not being held accountable to the deadline.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Fl XXXX ADDRESSES LISTED ABOVE : ACCOUNTS LISTED BELOW : XXXX XXXX XXXX {$260.00} XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX PLEASE DELETE FROM MY ACCOUNT OR BLOCK
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate. Also, 15 USC 1681s-2, 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. 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute account ( s ).
Product: Checking or savings account

This compliant is for Chase Bank for XXXX XXXX XXXX Credit Card XXXX XXXX : XXXX ) I have a Chase for Business banking account which enrolled in the XXXX payment which claims " to get same-day deposit '' by paying a certain amount of transaction fee. 

XXXX ) On XX/XX/2024, I arranged to accept a credit card payment in Chase website by sending a payment link to my client of amount of {$5000.00}. 

XXXX ) On XX/XX/2024, my client paid the amount and I received the receipt from Chase.

4 ) Several day later, I received email from Chase asking some details about this transaction. I provided the required information and made them satisfied.

5 ) Later on, Chase notified me that they could not process the transaction without disclosing reasons. However, they did not return the fund to the card holder, but requested me to " refund ''.

6 ) Because I have never received the fund, and it was my intent to receive the fund but Chase rejected the transaction, there was no reason for me to reject this transaction.

7 ) I contacted my client for alternate, my client said that the fund had been charged from Chase, he did not want to pay twice.

8 ) I believe I have followed all the requirement for this transactions. If Chase did not approve the transaction, why it still held from returning the fund to the cardholder, and asked me to give up a transaction which was not my intent.

9 ) Bottom line, if Chase is not ready to offer my business this kind of service, why it claimed it and attracted me to open an account with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing seven derogatory remarks on my report concerning XXXX XXXX. They are reporting my accounts as open, when in fact they were discharged in a chapter XXXX bankruptcy on XXXX  2016.
Product: Student loan

My name is XXXX XXXX. 
A student debt loan obtained to pay for my son 's studies was sent to collection at the XXXX XXXX for a balance of XXXX. Dollars. 

On XX/XX/2022 XXXX XXXX cashed XXXX checks totaling over XXXX Dollars that included the balance due and the extra money. When I attempted to get my money back, the figure they initially quoted me was inaccurate. They had forgotten {$10000.00}, a mistake I hope. When I insisted, they assured me that I would receive a check within 60 days ( of what, I don't know ). 

Several questions came to me after this experience, particularly after I spoke with an XXXX XXXX representative who indicated that his " finance department '' was now " examining '' my case : was the balance due accurate? Do they have the right to keep my money, and haggle about it? what are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for refusing to provide written documentation of its policies regarding identity protection for minors and for obstructing my ability to escalate a legitimate consumer dispute. 

On XX/XX/XXXX, a data breach at XXXX exposed the personal information of thousands of children, including my XXXX child. In response to the breach, XXXX enlisted Experians identity protection services and is offering XXXX years of complimentary coverage to affected students and educators. 

On XX/XX/XXXX, I contacted Experian to request an extension of identity protection for my child. During this call, Experian representatives : Stated that XXXX authorized a XXXX limit on identity protection services. 
Refused to provide written confirmation of this claim, preventing me from obtaining official documentation. 

Refused to escalate my complaint to a supervisor or internal dispute resolution process. 
Confirmed that Experian has no publicly available contact for handling regulatory inquiries. 

Why This Complaint Is Against Experian ( Not XXXX ) : Experian is the entity managing identity protection, but refuses to document its own policies or confirm XXXX role in writing. 

Without written confirmation from Experian, I can not verify XXXX decision or properly dispute the XXXX limit. 

Experian has blocked all attempts to escalate this issue for further clarification. 

Experians refusal to provide documentation obstructs consumers ability to obtain transparency in how identity protection policies are set. 

Experian is effectively shielding XXXX from accountability while also avoiding responsibility itself. Without a clear, documented policy, parents like myself have no way to challenge the decision or ensure that our childrens identities are properly protected. 

By denying parents written confirmation of their policies, Experian is blocking us from properly disputing their decision and protecting our childrens identities. This not only limits consumer rights but raises serious concerns about Experians compliance with transparency requirements. 

I request that the CFPB investigate Experians refusal to document its policies and determine whether its lack of an escalation process violates consumer protection regulations. 

If Experian is enforcing a policy or refusing to clarify XXXX role, they should be required to provide written confirmation of their statements and allow a valid dispute resolution process. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

the fraud involves a money transfer from my checking account - XXXX XXXX XXXX, using a service called cashapp. instead of transferring the money from my account to the receiver 's account, they placed the money on a card, with no way to access or retrieve the money. basically, it was stolen, with the pretense of not stealing it by providing a 'money card '. this is how the scheme works : make the funds impossible to access, then a percentage of the cards will never get used. when the customer files a fraud complaint with their bank, dispute it i'm asking for an investigation into how many cards cashapp issued that can not be redeemed, and how much money cashapp has that doesn't belong to them. i'm asking for an audit of cashapp i have filed a complaint with my bank, and also with the XXXX XXXX XXXX. i got a reply that was just a form letter with no contact information on it ( attached ). so cashapp steals my money, then there's no way to contact them, and their contact information is not published. cashapp won't even put their contact information on their correspondence. it seems like today there doesn't have to actually be a real live person on the other end. after i filed a fraud complaint with XXXX XXXX, i would really like to know who at cashapp disputed it. was there an actual real live person who disputed it, and what is their contact information ; name / tel # / email address
Product: Debt collection

Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do. 
1- I made an offer per XXXX XXXX XXXX but he is refusing to take it to his client XXXX XXXX XXXX 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well. 
3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.
Product: Mortgage

In XX/XX/XXXX, we closed our current primary mortgage with XXXX XXXX ( XXXX ) in XXXX, Ohio. In XX/XX/XXXX, we were notified that our mortgage had been sold to Fifth Third Bank ( FTB ). We called XXXX and were given our FTB account number for interim use as well as told we would soon be receiving a welcome letter from FTB. In XXXX, We set up auto payments to the FTB account number we were given. These were made as arranged. Though we never received any welcome letter from FTB ( and we have requested it multiple times since ), in XXXX we received notice from FTB that our mortgage was in default and threatening foreclosure. After two full days of discussions with FTB, we determined that the FTB account number we were given was incorrect and with no initial documentation from FTB, we had no way of knowing this. Our payments were credited to someone elses FTB account, but those payments otherwise complied with all other requirements of our account in terms of amount and due date. FTB representatives ultimately transferred our past payments to our account but demanded almost {$900.00} in additional escrow payments. Apparently an escrow analysis was conducted before we received the first and only communication from FTB ( the default notice ) and this analysis assumed we had made no payments. Initially, we were told that if we paid one month of the escrow shortage, all would be even. We paid this amount separately only to again receive a notice of being in default. Upon contacting FTB, we were told the information about one monthly payment resolving the issue was wrong but it didnt matter. Either we pay up or we would lose our home ( this is almost a direct quote from their so-called customer service manager ). She helpfully added that SHE had the last word on this and that we better take this seriously unless we wanted to lose our home. Its worth noting the further incompetence apparent in our dealings with FTB. If each new department I called was to be believed, there was no record anywhere of any of my previous calls.