23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/2022 The sale representative XXXX XXXX sold us a water treatment system for {$6400.00} XXXX XXXX and XXXX XXXX gave him a down payment in the amount of {$2000.00}. 
Soon after, we discovered the product was defective, we made several phone calls followed by email to XXXX XXXX and XXXX company. They both failed to resolve the issue. We contacted another company to replace the XXXX XXXX XXXX that was making us sick with unclean water. Company was advised. The burden of this additional expense we could no longer continue the monthly payment. Although our bank continued to honor the automatic payments. We filed a complaint with the bank which requested the back payments. Although the company breached the contract the finance company has threatened to report us to the credit bureau resulting in a low credit rating damage. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to verify this debt per my right in the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ), which was sent XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a credit freeze on my account. On XX/XX/XXXX a  credit card was issued by XXXX XXXX. I contacted them and advised that it was a fraudulent application and they cancelled the card. On XX/XX/XXXX an inquiry from XXXX Cardmember Services submitted an inquiry and contacted me because I have a 7 year fraud alert within my credit profile. Subsequent to that conversation I requested certain documentation regarding the inquiry and they informed me that they were able to obtain my credit information from Equifax. I have attempted to inquire as to why/how my credit information is being published when there has been a freeze on my account for 18 months. Each time I attempt to resolve this issue they tell me that the Credit Freeze Dept. can not help me because their systems are being updated and to call them back after 30 minutes. I waited 2 hours, called again, explained the entire saga to their personnel only to be told that I need to call back because their systems are being updated. 

I requested that Equifax call me back after their systems are updated so that I do not have to spend hours explaining my situation over and over, but was told that they " don't do that ''.
Product: Debt collection

Received a very angry call from my grandmother on XX/XX/2019 about the debt Im in with JcPenney. Specifically told her details about the debt, the amount, and even attempted to organize a payment arrangement THROUGH HER. Ive had to shift my entire life to begin being able to pay off this card. Now Im so ashamed and angry that Id be happier giving my saved money to a lawyer instead.
Product: Credit reporting or other personal consumer reports

I call kick off about email I received in XXXX XXXX. I spoke to two agents they both told me the same thing, to contact three credit bureaus to make sure I didnt have freeze on my account. Which I did both times. I gave Kickoffs another call XXXX I asked please unlocked my account because I provide you all the information plus my social security and I call three of credit bureaus theres no freeze on my account so be able to verify me.Agents told me we cant unlocked your account. I Ask agent Why, I have done everything you told me and you said my account would be unlocked. I asked agent please delete the old application and I can I started a new application he said he couldnt do that. He told me he had to deactivate my account and I can never do business with them again.I asked him why be couldnt explain to me and deactivated my account. This is not fair to me and I need to know why this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX/ XXXX  XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 XXXX XXXX Acct number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Experian ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, Experian and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Student loan

In XX/XX/2012, I started my own business and I was not able to pay on my student loan so I started to deferred them. Between running my business and a major car accident, paying back my student loan has been difficult. Over the last 6 years Sallie Mae/ Navient have added over {$10000.00} in interested and late fees. My loan amount total was around {$21000.00} in XX/XX/2012and now it is over {$33000.00}. 

Navient harassed me about my payments when the forebearance would end and call me all hours of the day. Then once I would do another fore-bearance they would add on more fees, interest and late payments. Navient made me believe that deferring my payment was a good/okay thing to do but what it really was, this company is just getting richer off of poor women like me. 

Now I am trying to dig myself out of this financial hole and I wrote them a letter asking them if they could go back to the {$21000.00} as my outstanding balance, if I would agree to pay this off in a couple yes and they said no. They manipulated me for their financial gain. 

Any help would be greatly appreciated. 
Thank you, XXXX XXXX
Product: Credit card

I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time.
Product: Checking or savings account

On XX/XX/XXXX, our balances and trades were not accurately being processed and displayed. I spoke to a bank representative through their chat option. I was told that they were having technical issues displaying information correctly. 

The site showed one of our trades was rejected, but the representative confirmed it was an error and that it had in actuality been processed and completed. They said the issue would be resolved by Saturday, XX/XX/XXXX. We emailed the chat transcript to our email address for reference. 

By Sunday XX/XX/XXXX, the transaction history and balances appeared to be correct and the issue resolved. 

On Monday, XX/XX/XXXX I placed an order to sell my XXXX ( XXXX ) options to close my position out and my trade was then updated to " rejected '' on the site. It displayed that I needed to contact customer service via phone call to complete the order. I got on the phone as well as the chat for assistance. I reached a chat representative first and explained that our order was rejected due to their site issues and the longer we waited the more monet we lost on the trade they failed and refused to place. The representative apologized and told me that they can only resolve trades via calls and there was nothing they could do. They also had now disabled the " email chat transcript '' option and I had to manually save the transcript as PDF. I spent about XXXX on hold without being able to reach a representative on the phone. At this point I hung up resigned that I lost the trade due to their site negligence and long call wait times. Since this morning I am still seeing an incorrect balance on my account along with missing transaction history after XX/XX/XXXX. This is costing me alot of money and I still have active options in my Ally XXXX account. 

Please, any help is greatly appreciated as I have $ XXXX between savings and investments and I can not afford to run the risk of incurring any further losses due to their site and customer support negligence. Attaching call wait times, and chat transcripts for reference.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. My concern pertains to a disputed account listed by Experian, which I believe has not been properly investigated per federal regulations.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns regarding Experian 's practices. Specifically, the CFPB has alleged in a lawsuit that Experian failed to conduct proper investigations and engaged in sham practices that violate its obligations under the FCRA.

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

The specific item I am disputing is as follows : Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX Details : A credit card allegedly opened in XX/XX/year>2024 with an initial credit line of {$500.00}. The account is marked as a " charge-off '' with a reported balance of {$2000.00}. 

I do not recognize this account, and I believe this information is inaccurate. Therefore, I am requesting a reinvestigation into the validity of this account and Experians compliance with the FCRA. 

Please review this matter and provide guidance on how this issue will be addressed. I am counting on the CFPB to help ensure that credit reporting agencies adhere to their legal obligations and protect consumers like myself from inaccurate or unverifiable information on credit reports. 

Thank you for your attention to this matter. Please feel free to contact me should you require further information or documentation to assist in your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because of apparent inaccuracies. 

First, this account was deleted from XXXX but XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? 

The date of the last activity does not match. XXXX is reporting the date of the last activity as XX/XX/2023 while XXXX is reporting XX/XX/2023 Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are apparent inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Caine & Weiner has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information, a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Checking or savings account

I submitted a claim for money that XXXX was taking out of my account each month for a XXXX membership fee for a XXXX account that I didnt sign up for or create or want. I do have a XXXX account that I created however this is a duplicate account that has been created without my knowledge and without my authorization and has charged me {$15.00} every month for two years as well as for other subscriptions for things I didnt authorize or purchase. XXXX told me to file a claim with my bank and so I did and my bank has denied 5 disputes on this matter without ever contacting XXXX! Ive sent transcripts of my phone calls with XXXX, emails with XXXX, a personal statement all explaining exactly what is happening and my bank just denies it and buys themselves XXXX more days and doesnt even contact XXXX to try and get the money back. They are rude on the phone, hung up on me 3 times today and want me to do all kinds of things to send more documents and more proof when I have already sent them all the proof they need but no one does their job! Im tired of waiting for my money back and they are a bank they could give it back to me and then go after the merchant and I am sure then they will actually do their job and contact XXXX. I call for updates and to tell them to contact XXXX that they are waiting for them to contact them and they will repay the money, but they dont do anything, they dont tell me what information they need from me nor do they allow me to speak to anyone that is currently working on my case. I am fed up with waiting and having no recourse and being at their mercy and never being advised on what they are doing during this process which has taken far too long!