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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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: Mortgage

I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.
Product: Credit reporting or other personal consumer reports

I noticed some inaccurate information on my credit report and went to the XXXX XXXX XXXX  site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to Equifax immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.
Product: Debt collection

I was sent a letter stating I owed a debt to a company named XXXX XXXX XXXX on or about XX/XX/2019. On or about XX/XX/2019 I responded asking Midwest Fidelity Services to verify the debt as I did not believe I owed any company named XXXX XXXX XXXX. On or about XX/XX/2019 I received correspondence back with a print out of a non-signed contract with my name typed in the signature line. On or about XX/XX/2019 I responded back to Midwest Fidelity stating that what they provided does not prove the debt exists, is valid, or was taken out by me. That again, my name was typed in the signature line, not signed, that the company XXXX XXXX XXXX lists a XXXX XXXX XXXX address and is not licensed to make loans in Tennessee, and that the amount of the loan had an APR of 434 % which is illegal under Tennessee law. I asked that the company remove any negative listings on my credit report but I logged in to check my credit report and they are listed. I checked the Tennessee database if Midwest Fidelity Services is licenses to collect debt in Tennessee and the website lists their application as pending. As such, they are trying to collect I do not owe, they can not provide any signed contract, and the loan that was allegedly made was done so by a foreign company in the XXXX XXXX XXXX who is not licensed to make loans in Tennessee and charging an illegal interest rate. It is also questionable that the company is trying to collect a debt in a state where their application is pending so they are not yet fully licensed to be engaging in this practice in Tennessee.
Product: Money transfer, virtual currency, or money service

I've used zelle to accept or send money transfers. Someone sent me XXXX in XX/XX/XXXX and it was never received or returned to the sender. Same issue occurred with XXXX on XXXX XXXX.
Product: Mortgage

FDIC Case number XXXX ; Re : Wells Fargo Bank , National Association ; I initially sent the complaint to FDIC they have forwarded it you. I went to my local Wells Fargo branch on XX/XX/year> and gave them a check for {$41000.00} to pay off my home equity loan. I noticed after a couple days it wasn't paid off. They applied the funds my home mortgage, by mistake. I sent them a nastry gram and taked with a customers service representative who apologized and promised to fix the error. Since then I have talked with a Banker, a Branch Manager and XXXX Home Equity Specialist all promised to fix the error ASAP. Now the funds have reversed off the mortgage and disappeared. Its XX/XX/year> and still no correction.
Product: Credit reporting or other personal consumer reports

I AM, disputing a " BANKRUPTCY " ; which, is not mine ; as, it is reporting ; however, belongs via another individual. With that said, by LAWFUL, LEGAL, LOGICAL Protocol, only a DATA FURNISHER may report data upon a Personal Credit Profile.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  Reports regarding the account that do not belong to me.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman sack say they can not confirm my identity and sent me to you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX I have tried have tried to resolve with the original creditor or collection company. But they are giving me NO RESOLUTION.
Product: Debt collection

I went to a XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, MN XXXX ) about 2-3 months ago for getting my regular 6-month teeth clean. They offered for a XX/XX/XXXX which I said No because I don't need it. They advertised to me saying this is including with my insurance and its all free and covered. 

After I month I received a bill for the XX/XX/XXXX, when I called the XX/XX/XXXX clinic, they mentioned theXX/XX/XXXXwas not covered under my insurance so henceforth I need to pay. 
When I declined the charges, they moved my account to collection department who are threatening me that this is spoil my credit history if I don't pay.
Product: Credit reporting or other personal consumer reports

Equifax is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with Equifax XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. Equifax is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Equifax abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that XXXX will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I haven't been able to access my American Express Bluebird account online for the past 3 days. On XX/XX/21, I loaded {$1900.00} cash to my Bluebird card at my local XXXX. I went home and attempted to access my account in order to transfer money to my set aside account and pay some bills. I can't sign in to do anything. I called the number on the back of my card and, after holding for a very long time, got a foreign sounding customer service agent who was unable to help me. I am not the only person having no luck accessing their funds.
Product: Credit card

I was offered a XXXX  % AMEX account on charges and balance transfers transfers for XXXX cycles. XXXX  months after the account was opened I saw the interest was raised to XXXX  %. 
I made XXXX calls until someone said, " Oh, because you had an open account with the company, ( an account I tried to close with a {$200.00} limit that I never used ) you were not eligible for the XXXX % offer. .... I had to ask, " Why did you open the account in the first place? 
No answer. ... I said I will pay the {$8400.00}, ( amt. without fees ) at XXXX % for the XXXX  months. 
My offer was never passed up to the decision makers. I was take advantage of by a company acting like a loan shark!
Product: Credit reporting, credit repair services, or other personal consumer reports

For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to Capital One about my application being a fraud account when I did not report that. Capital One closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and XXXX to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called Capital One on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act Capitol one account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fait Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account as an open end consumer credit plan as late for any purposes! 

Security finance late payments XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and XXXX XXXX XXXX scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX  are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of God.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have had a Home Equity Line of Credit with XXXX XXXX for almost fifteen years. Recently, XXXX XXXX chose to report, " Account Closed '' on my credit bureaus, even though it is OPEN with a balance that I make payments on each month. XXXX XXXX had blocked access to funds back in XXXX when real estate values had plunged. I 've never been a day late on my payments, EVER! And now my account is considered " CLOSED ''!? 

The issue I have is that this move by XXXX XXXX of reporting my account as " CLOSED '' has caused my credit scores to suffer terribly because still having a {$71000.00} balance now makes my utilization percentage on my credit reports soar to over 100 % virtually killing my credit scores. So much so, I 'm having trouble getting credit and refinancing my house. It 's unfair and causing financial hardship for me and my family. 
The stress is unbearable, as I am unable to acquire new credit for my business or refinance my house. I need your help. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcies ( below ) on my credit report due to Civil Case No.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I did not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has violated the Fair  Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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

XXXX XXXX XXXX XXXX XX/XX/2023 and Informative Research XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.
Product: Checking or savings account

I fell and broke my XXXX before XXXX 2023. Emergency surgery and skilled nursing care followed for 7 weeks. My sons have stepped in to help me manage my affairs- both have POA. I did not remember my password for online access to Ally Financial and tried to many times before the account was locked. over the past 3+ weeks I have repeatedly contacted Ally Customer Service/Fraud protection to regain access to my account. I am now in an assisted living center and need access to my funds to meet my financial commitments until my house is sold. Yesterday I tried once again to validate my account and my identity so that I can make deposits and transfers to meet upcoming expenses. 

I have repeatedly been promised that someone from Ally would contact me to get me back online. Ally have been functionally unresponsive. I received an email stating my account had been verified and was available for use, followed a few minutes later by an email stating my account was under review and not accessible. Yesterday the fraud prevention department notified me that they are reviewing whether they want to continue a banking relationship with me. Well, they need not bother - I no longer want a banking relationship with Ally. Help me gain access to MY money that I need for daily living. Thank you.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX  veteran. Mosaic 's partner ( XXXX XXXX XXXX XXXX closed their doors and disappeared before the solar installation on my home was completed. according to Mosaics email ( attached ) dated XXXX XX/XX/XXXX they were responsible to verify installation so that we can forward payment to the installer for their work. If Mosaic  had actually completed step # XXXX, like they stated, I wouldnt be on the hook for {$67000.00}. I believe that Mosaic should have confirmed the work being completed before they paid out the full sum of the loan. Example : no one pays a homebuilder the full sum, up front. The disbursement is paid to the contractor based on work completion and material costs. I understood that Mosaic was to make loan disbursements to XXXX XXXX based upon completion or status of the work that has been completed. Instead, Mosaic disbursed the full {$67000.00} to the installer prematurely before the installation was complete. As well, this money being disbursed prior to completion triggered my monthly installment to Mosaic to begin. These payments should not have begun until after my solar system was up and operational. I made my XXXX  payment on XX/XX/XXXX on a system that is not working. In the loan agreement, page XXXX, reads : " in order for us to make disbursements on your behalf, we may require you to confirm that installation contractor has satisfied certain conditions in the installation process. '' I did receive a message from Mosaic asking if the installation was complete and I noted it was not complete. XXXX scammed a lot of folks out of a lot of money but Mosaic 's failures are clear and cost me a lot of money. I have filed XXXX complaints with Mosaic and none of them got resolved. Mosaic has not delivered on their portion of the contract and I requestion XXXX of the following : XXXX. Fix my solar. I have attached a bid from a reputable, local solar installer. Costs to get my system up and running is {$17000.00}. 
XXXX. Cancel my loan and come get your equipment. 
I refuse to fill the pockets of the rich while I serve ramen to my family just to pay the bills. Mosaic should be ashamed of their immoral business practices and their inability to admit when they have made a mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus XXXX, XXXX, and Equifax, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.