23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I, who are both XXXX XXXX, applied to Discover Home Loan ( DHL ) to consolidate unsecured loans we took to start a business on XX/XX/XXXX. The requested amount was {$300000.00}. My credit score was XXXX and my husband XXXX, we have a combined XXXX income of over {$220000.00} + gross rental income of $ XXXX. Our primary home we were borrowing against is valued at {$800000.00} with a mortgage of {$170000.00} with $ 2200 monthly payments. After pulling our credit, XXXX offered an approval, requested documents and sent us documents to esign to move process forward. We received an email to provide more documents and received a denial within XXXX of request without having our response or any contact whatsoever. We reach out to XXXX and was told we had been denied because we claimed losses on a business we just opened on our XXXX tax return. We explained the business opened in XX/XX/XXXX and had gross income of about {$100000.00}. But rep we spoke with insisted unless business was closed we could not be approved regardless of our credit worthiness. We were informed that our credit worthiness was not all they looked at to approve and would not provide further information. Personal loan advisor made no attempt to reach out to us and refused to take our calls. Another personal loan advisor we spoke with stated shed never seen income calculated the we ours was and would reach out to the underwriter for an explanation. The underwriter never responded to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.
Product: Debt collection

Lvnv Funding LLC has put the amount of {$260.00} on my XXXX credit report as a debt owed to a XXXX XXXX card in my name opened in 2011. I disputed it with XXXX and the attached is what i got as a result. I contacted LVNV and they told me to file here and mail this dispute to them notarized. I have not had a XXXX XXXX card until about 3 months ago and have no recollection at all of this debt from 2011. I need this to be taken off my XXXX report as debt owed as I do not owe this amount and it is affecting my credit score.
Product: Mortgage

The escrow calculation at Nationstar/Mr. Cooper is flawed. Their analysis takes place in late XXXX ( XX/XX/XXXX in my case ) where they look back at any payments from XX/XX/XXXX to XX/XX/XXXX. That analysis doesn't account for payments made after the analysis ( i.e. payments made for XXXX ). The balance forward analysis, used to calculate any projected escrow shortfall, utilizes the ending balance from the XXXX to XXXX analysis, which starts with the XX/XX/XXXX payment. This again doesn't account for XXXX payments made in after their XX/XX/XXXX analysis date. In order for their analysis to include a XXXX payment the borrower would have to make that payment 30-45 days in advance. 

In short their analysis forces borrowers into an escrow shortfall situation by not accounting for late XXXX payments.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a long history of falsely claiming to investigate disputes of consumers by returning results as verified. In this case what they have sought to do and perform is adding names associated with the accounts they seem to want to identify as verified. The government of the United States, through the Social Security Administration set forth a program to ensure I wasn't mixed up with others that share the same name, so my name was redesignated as XXXX XXXX, that is the only name upon which I apply for credit under. In such Experian has allowed 66 inquiries since XX/XX/2019 to present to be happened upon my credit report with name XXXX XXXX XXXX, and thereby adding that name to my credit report, or which they are fully aware from previous correspondences that it is not me, but they continue to allow their paid subscribers to perform the same, without identification or permissible purpose of identifying self within person, all of these inquires were done only, and not in person. 
Secondly Experian recently verified an bankruptcy XXXX as reporting accurately, even though through the dispute process, I produced a letter from the third party provider that stated no bankruptcy exist under this client, or consumer. Basically Experian is engaged in the same lying technique of playing to investigate while doing nothing more then wasting time then claiming verification. They are reporting and have been reporting an credit card account from XXXX XXXX, when the actually applicate applied with social security number XXXX, fraud, since my social is XXXX.
Product: Checking or savings account

I'm missing alot of my direct bank deposits and other money that was supposed to get deposited wells Fargo put a block I couldn't receive my money and also ridiculous fees that I was charged and also I was highly compacted from the identity theft program
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.
Product: Credit card

I am writing to express my disappointment and frustration regarding a recent experience I had at the XXXX Costco location : XXXX XXXX XXXX, XXXX, NY XXXX, on XX/XX/year>. 

I attempted to return a XXXX mixer that I purchased approximately four years ago. Unfortunately, my return was refused on the grounds that the product was too old and could not be accepted. I tried to explain that the mixer had been kept in its box for most of those years and was only used last year. 

As I understand Costco 's return policy, customers are allowed to return items at any time if they are not satisfied, which is what I was hoping to do in this case. However, when I mentioned this to the manager, I was met with a very rude response. I was accused of attempting to abuse the return policy, which I found both offensive and completely unwarranted.

I have been a loyal Costco member for over 15 years and spend between {$4000.00} and {$5000.00} annually at your stores. I also hold a business account with Costco. Given my long-standing relationship with Costco, I was shocked by the unprofessional and dismissive behavior I encountered at this location. 

I am respectfully asking for your assistance in resolving this matter. I believe the return should be accepted based on Costcos policy, and I would greatly appreciate any support or guidance you can provide to reimburse the credit card that it was used to purchase the mixer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiry : Company Name, Date of Inquiry My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX  SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} XXXX XXXX Balance {$500.00} EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 on 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-00002 ) 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.

These are the accounts that Ive marked as inaccurate : XXXX XXXX and XXXX card services.
Product: Mortgage

Mortgage has fallen behind by 2 months, I have been making payments every month but unable to catch up with additional 2 payments. In the past I have contacted XXXX and advised them that I am trying to catch up but in the meantime I can make the monthly payments. XXXX advised me that as long as I maintain the monthly payments I should be ok until I am able to catch up however, they did say they could send me paperwork to push back the past due so that the account comes back to current. I had accepted this and received the paperwork which needed to be notarized. Prior to them sending out the paperwork I had advised XXXX  the my wife who was on the paperwork had passed away from XXXX on XX/XX/2021 and that they should resend paperwork with only my name. XXXX would not resend me paperwork with just my name nor would accept her death certificate to have onfile, this presents a problem when trying to get the paperwork notarized. I was granted social security surviving spouse benefits that goes straight to paying the mortgage each month, I do have backpay that I am awaiting on to be able to use to catch up on the loan but that process is taking way longer than it should and I am working to get it expedited. In the meantime I have been getting numerous letters from XXXX threatening to foreclose on my property even though I had advised them about the situation over the phone. I have not been avoiding talking to XXXX and have been very open about my situation which they advised again that as long as I make my payments I should be ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage
Product: Credit card

Without fail, I've maintained timely payments on this account, ensuring they are never overdue. The appearance of late payment remarks on my accounts is confounding. Furthermore, in accordance with 15 USC 1666b - Billing Error, any billing inaccuracies should be rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELFINC/LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection.

It has unequivocally come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 )
criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that SELFINC/LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud.

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELFINC/LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

SYNCBXXXX XXXX Balance Owed : {$6000.00} I believe the information being reported to be inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the CFPA. Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian and XXXX I have late payments on my XXXX XXXX account for the month ( XXXX ) and year ( XXXX ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my XXXX  was XXXX on XXXX XXXX. I fell into XXXX and could not make payments XXXX XXXX XXXX XXXX and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then XXXX XXXX  and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.
Product: Debt collection

I have had issues with XXXX XXXX for awhile. They are on my credit report still. I have asked kindly for them to remove there tradeline. I am under nocontract with these people. In a earlier complaint they said they never or have no record of them suing me. I am providing a copy that they have sued me in the state of minnesota. When I spoke with them about the judgement they ( vacated ) they told me they would not contact me, pick up any accounts on me or contact me. They denied they ever did this to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been removed.