23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received a call from a DC police officer by the name of XXXX XXXX claiming that he has a warrant with my name on it and a potential diplomatic fine of {$1800.00}. He asked me several personal questions such as full name, DOB, last 4 digits of my SSN and said that if I dont pay the, {$1800.00} via XXXX, they will come and get me from my home and keep me in custody for interrogation for 3-5 days. I panicked and sent the funds right away since the number +1 ( 202 ) 698-0150 did come from the DC police department and the officers sounded legitimate over the phone. When I called back the day after to make sure everything was settled, the officer in the phone said I was scammed and that their lines have been getting hacked for the past months. She recommended me to file a police report and a claim with my bank, but that there isnt much they can do about it. After submitting the claim with Bank of America they also said they wouldnt be responsible since they dont have a customer protection system in place for XXXX transactions. This is why im reaching out to you, with the hope I can recover these funds since I have a pregnant wife with a newborn that financially depend on me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, account 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received copies of my credit report and notice that XXXX XXXX XXXX ( XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated
Product: Vehicle loan or lease

On XX/XX/2024 I issued a payment of {$17000.00} to Bank of America to payoff an auto loan I carried with them. I issued the payoff amount through my Bank of America online auto loan account. The funds were taken from my personal bank account at XXXX XXXX on XX/XX/2024. Bank of America never applied the funds to my auto loan, and is refusing to give them back. I have called each day since XX/XX/XXXX, and continue to not have the funds applied to my auto loan or returned to me. Bank of America is fraudulently keeping my funds. Please advise what next actions I should take.
Product: Checking or savings account

On XX/XX/XXXX I received a message through XXXX from someone I believed to be a friend. We had a conversation a week or so earlier about things being tough at home. So it was no surprise to me that I received a request from who I believed to be this person for financial assistance. 
This person stated that they were in dire need of money and promised to pay me back as soon as possible. I downloaded XXXX and sent {$300.00} to a XXXX XXXX XXXX who I assumed was a family member. After the transaction, this person had requested another {$700.00} and that is when I knew I had been scammed. I was able to finally reach the actual person by phone and she had told me that she was aware that she had been hacked and apologized for not reaching out to me about it. I then reached out to capital one and placed a claim. Capital One stated that because the money was sent legally the bank would not be able to recoup the money and therefore could not reimburse me for the loss. I challenged it again and was given the same response. This was fraud by an imposter and I should have received assistance from my bank. I contacted XXXX as well about this fraudulent account. They too could not recoup the money for me. This was a financial crime that was done to me.
Product: Mortgage

FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal. 

My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is transunion XXXX points less on a XXXX score than the other 2 with the exact same information, scam, they are scamming people.
Product: Checking or savings account

- Opened a business checking account with Wells Fargo- I came in with address change request- I signed a beneficial ownership form - Banker filled out the form with missing info- I came back in and filled out another form on the day I was told I needed to come in - This ended up being a day late after closure, where I was not notified - The banker called the back office on XX/XX/XXXX and they apparently said everything was okay - My account was closed on the XX/XX/XXXX ( meanwhile I was told everything was perfectly in order ) - On XX/XX/XXXX, I received an email saying that the business checking was closed and at an amount of {$0.00} ( the first I had heard it was closed )- I have several invoices that were to be paid last week that are now delayed until this issue is resolved In summary, my business account was closed due to the banker making a mistake, yet I am bearing the consequences unfairly.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Ally Financial on XX/XX/XXXX to delete a charge of closed account as of XX/XX/XXXX on my XXXX credit report. When the dispute was completed On XX/XX/XXXX. Ally Financial updated to XXXX that the account is a Charge Off and reopened the account back up after 2 years and it states I missed a payment now and stopped my credit score XXXX points. I made over 30 calls to Ally Financial along time to update this account correctly as being closed and charged as off since XX/XX/XXXX they have not given me nothing but the run around with no update correction to XXXX and now I have a recent missed payments because they reopened a charged off account from almost 2 years ago..
Product: Credit reporting

There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.
Product: Vehicle loan or lease

I paid off my car loan at Santander Consumer Bank XXXX # XXXX in XX/XX/year>. Santander Consumer has not released the lien at motor vehicle. Santander put the lien on my vehicle,- they need to remove it so that NYS Dept of Motor Vehicle can send me my Title. They were quick to put the lien on, now I am waiting XXXXmonths for them to take it off!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXXSubject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported 30-day late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : Equifax : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments. 
If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from Equifax, and for XX/XX/XXXX and XX/XX/XXXX from XXXX and XXXX. 
Provide written confirmation of the corrections made to my credit file. 
XXXX a detailed explanation of the procedures used to investigate my dispute. 
Thank you for your immediate attention to this matter. I look forward to receiving your response within the 30-day timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have numerous court records showing Navient has sent out old loans to XXXX XXXX who sent them to a collector named XXXX and XXXX who are now collecting on accounts Sallie Mae determined were not mine! This took place over 10 years ago and now they are re opened. Navient has passed this off as a court record yet THEY own the contracts. I have told them over and over and over these were closed by Sallie Mae and they even contacted me about not collecting on them again. Navient is hiding behind the debt collectors ( XXXX and XXXX and XXXX ) who illegally filed records without serving me. I have asked over and over to have this re opened at the courts and they have not done so. XXXX responded to my complaint claiming I said it was fraud and I never said such a thing. I said I was never served and Navient is responsible for this. Sallie mae passes me to Navient who passes me to XXXX who passes me to XXXX and NOBODY is doing a thing! I want this case re opened and the garnishment stopped!
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). These accounts are false and falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax.
Product: Debt collection

My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account : XXXX Balance : {$8300.00} I'm writing to formally contest a debt that your organization says I should be paying. I don't know of any debt you represent being owed to Radius Global Solutions or any other original creditor. Moreover, I was not notified in advance of this debt and was not given the chance to contest the information within the legally mandated time period. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Specifically, I request the following information : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking you to furnish appropriate proof of this debt. I specifically ask for the following data : Verification of Ownership : Proof, including any relevant assignments or transfers of the debt, that Radius Global Solutions is legally entitled to collect this debt. 

Proof of Notification : If you think you gave me the right notice, kindly provide me a certified copy of the receipt that bears my signature attesting to the fact that I received it. 

Furthermore, my credit report is being severely impacted by this disputed amount, which has been notified to credit bureaus. I demand that this debt be deleted from my credit report until you can produce the necessary evidence. It is illegal to report information that can not be independently verified or corroborated, as per the Fair Credit Reporting Act ( FCRA ). 

I shall regard this debt as void until you can produce the needed paperwork. Please be aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will receive additional complaints if you do not satisfactorily respond to this request. 

I anticipate a timely, in-depth inquiry into this issue as well as a written reply. You can reach me
Product: Mortgage

TD Bank changed the amount of transfer taxes on the day of settlement. 

TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process. 

TD Bank is stating they were allowed to make this change.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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. 

XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent amount reported by XXXX, Equifax, and XXXX the company reporting the late payment is XXXX XXXXXXXX for the Month of XXXX XXXX I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I have requested a change of address several times and they keep asking me to take a selfie holding a note with my account information. The photograph must meet their strict guidelines. I am a XXXX XXXX  citizen and can not provide the detailed photograph requested. I have provided them with a copy of my drivers license per their requested and have asked them to accept some other kind of verification documentation. They are unresponsive. The address they have on file is the original one when I opened the account. I have moved several times since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, is submitting this dispute on my own behalf and no third party is involved. NOTE : THIS IS NOT A REQUEST FOR AN INVESTIGATION OR REINVESTIGATION. It is my belief that Experian violated me under the Fair Credit Reporting Act. I believe Experian did not actually perform an investigation of my disputes. Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a description of the procedure used to determine the accuracy and completeness of information all every account, inquiry and address Experian alleged they investigated for investigation # XXXX that you made available on your website XX/XX/2022. I have attached a copy of the investigation results in this complaint. Pursuant to 15 USC 1681i ( a ) ( 7 ), Experian MUST provide me with the descriptions of the investigation of every account you alleged you have investigated within 15 days of my request. AGAIN, this complaint is NOT a request for an investigation or reinvestigation. I ONLY need the description of the procedure used by Experian to determine the accuracy and completeness of the account, inquiries and address in investigation # XXXX
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!