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

After reviewing my credit report, I noticed hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit and FICO Score, however, I'm being rejected by Banking Institutions and denied credit for credit cards. This action and the reasons the Financial Institutions provide, Specifically Bank of America and XXXX deny my new applications based on wrong information reported on my Credit Report. I'm being discriminated against as a woman, age and young retired XXXX XXXX Employee. I own a home, paid off mortgages and car loans and there is no reason to deny me on a new credit card application. I've demonstrated sound payment judgement, and deny me access to credit cards or for financial institutions to deny my candidacy for credit lines or loans when I have property and have not filed a bankruptcy is against a host of laws. It takes 25 months to remove a hard inquiry from your credit report when applying for credit cards. This activity negatively impacts my ability to be employable. Employers look at your credit report, whether it's a hard or soft inquiry. I subsequently applied for 2 credit cards online on the same day and was denied by both Financial Institutions. The reasons stated are due to wrongful and outdated credit card information on my XXXX Report. I received my free credit report dated XX/XX/XXXX inquiry number XXXX, where Bank of America denied me credit due to too many inquiries on my report, serious delinquency, lack time of delinquency is too recent or unknown and lack of recent installment loan information. My credit score is between 709-726 as a retiree. I should be able to access all forms of credit cards and loan products, but XXXX XXXX actions and the Banking Industry are purposefully negating my applications. I would like your agency to investigate the situation and have XXXX remove the outdated credit card accounts, look into the response Bank of America provided when they denied my credit card application which gets reported to the credit agencies and placed on my report for 25 months making me ineligible for a employment, new applications, loans. This actions cripples a persons ability to support themselves. I would also like the CFPB to ensure that XXXX and Bank of America takes the necessary steps to submit information to correct it. A consumer can not ask or receive an appeal in the mail for a Credit Card Application  when the Banking Institution is wrong. When the action is inappropriate and negates a Consumer 's credit rating and is allowed to remain on the report for 25 months-its gives other lenders the ability to also discriminate. I'm asking for your assistance. 


Bank of America Ref, Number XXXX letter dated XX/XX/XXXX XXXX XXXX ( Former XXXX XXXX EMPLOYEE )
Product: Mortgage

I submitted a complaint bc I keep receiving emails from Caliber Mortgage that states my mortgage payments are applied to another address. Ive forwarded the emails to my loan officer who has tried to rectify the situation. I will continue to submit complaints, until they acknowledge and correct the issue : below is a cc of what I receive every month. I do not live or hv ever lived at the address below. 

Thank you for your recent payment! 

Confirmation Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Account Number : XXXX Your Bank Account or Card # : XXXX Below is a summary of your one-time payment to Caliber Home Loans , Inc . Please keep this confirmation for your records. 

Scheduled Payment Date : XX/XX/2021 Payment Amount : {$1100.00} Total : {$1100.00} Note that payments may not post to an account the same day as scheduled when submitted after XXXX CST, Monday through Friday. If received after the cutoff time, the payment will be processed the next business day. 

If you have questions about this transaction, please contact one of our Customer Service agents at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of any outstanding balances I owe and have had years of top credit scores. This company never contacted me about any credit issue and submitted a report to the credit agency XXXX with the following information : CBE GROUP has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CBE GROUP Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

This is a brand new dispute. 
Portfolio Recovery is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. Portfolio Recovery failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
Portfolio Recovery # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Product: Credit reporting or other personal consumer reports

Subject : WRITTEN INSTRUCTION UNDER 15 USC 1681b and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I provided written instructions to these companies and the respective credit reporting agencies Experian requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or XXXX  % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I applied for an American express card and got denied, I have the right to credit and by American Express withholding my access to my securities is securities fraud. They have violated the Equal Credit opportunity act, and the consumer protection act. 15 USC 1691 c-2, 15 USC CHAPTER 41, 15 USC 1691 ( a-g ).
Product: Credit card

Was not advised of 360 saving account, lack or information potential to increase saving.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and Transuion is doing the same they will not remove the inquires from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant Credit Guide is attempting to collect on a medical bill that the hospital did  not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via XXXX XXXX on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy Court XXXX XXXX XXXX XXXX reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to properly investigate my dusputes regaurding inaccuracies in my credit report. Despite my submissions, Equifax consistenly 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 S 1681i, witch madates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the cuonsumer financial protection act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in CFPB 's Recent administrative proceeding ( file NO. 2025-CFPB-0002 ) against them for similar violations. i request that cfpb take action to ensure Equifax complies with the necessay proof of investigation Accounts with inaccuracies 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

I have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX is suing me in civil court for a loan that I have never been notified as past due, and shows current on my credit report. The Court case number is : XXXX I have never been notified of attempt to collect or that this account was past due, and the account shows current with a XXXX balance on my credit reports. My credit report also shows the last date of payment was XX/XX/XXXX and shows as current/never late through XX/XX/XXXX - XX/XX/XXXX.
Product: Student loan

This is a deceptive practice complaint against Sallie Mae. They do not allow principal only payments. The payment allocation platform works against students by systematically reducing the payment amount owed if extra money is paid to reduce the principal. Some students may not be aware of this. The platform and the payment process must be modified to help student fairly pay back their loans.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. In which violate the Consumer Financial Protection Act ( 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 process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Mr. Cooper engaged in fraudulent and deceptive practices over the past 5 months in an attempt to place me in a loan product that was not requested or desired and did not remove the new loan plan after I requested it be removed. 

I lost my job in XXXXXXXX XXXX XXXX and immediately contacted the Mortgage Assistance Department at Mr. Cooper. This is step one of the deception, as that office is called internally as loss mitigation. There was no actual traditional mortgage assistance available, only loan modifications. 

Mr. Cooper 's automated phone system would not recognize simple commands during this time ( such as requesting the loss mitigation department, or asking for a representative ). During the 5 months I had to call in, each time would take multiple attempts to actually speak to the correct person. I believe this was intentionally done by Mr. Cooper so that individuals like myself could not speak to anyone and would be intentionally forced into loan products that only benefited Mr. Cooper. 

After almost 6 weeks of attempting to comply with requests for more information, I received a letter stating they had initiated a loan modification, increasing the terms of my loan by 10 years. I reported that I did not wish to have my loan modified and it was agreed upon verbally. 

However, when I went to make my regular mortgage payment it was applied to the new loan modification, not my original loan. It took several more calls to get the matter straightened out. 

I am an advocate for myself and fair treatment. I bring this concern because I imagine that many more people were stuck in the same circumstances and ended up being forced into loan products due to the inability to speak with a representative on the phone.
Product: Credit reporting or other personal consumer reports

Company did not properly investigate information being reported to credit bureau. And is running my life and ruining my credit. Lawsuit is open against company for exact reason. 

In reference to Equifax Data Breach settlement : I have already been compensated.
Product: Mortgage

Good Morning, I started struggling with my Mortgage payment since XXXX and COVID made it worse because I work in the XXXX XXXX and many business were force to close. I apply for a Loan Modification but I was Denied. I have a trustee sale date for XX/XX/XXXX, Im asking the bank to postponed the sale date because my brother XXXX XXXX is selling his home, which is currently in escrow and the close of escrow is on XX/XX/XXXX. and he has giving instruction to XXXX XXXX to wire the money to SLS upon close of escrow. 

On XX/XX/XXXX I request an updated reinstatement to SLS and to the Trustee and have not received it yet. I contact them yesterday and they gave me a verbal amount I only requesting to postponed my sale date so I can re-instate my loan. ( See Attached Sellers XXXX and wire instructions from XXXX XXXX )
Product: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Debt collection

I purchased a timeshare on XX/XX/2013. I was told that my wife ( back then my fiancee ) needed to sign for emergency contact purposes and if something happened it would be transferable to her without any issues or complications. I was also told the timeshare ( my week ) would be readily available, and that the maintenance fee included the booking fee. When I tried to use the timeshare later on I was told that I had to pay a separate booking fee to go onto an exchange. In addition, the week was not readily available and was taken. In addition during COVID-19, I was required to pay the Maintenance Fee and also during that period we were advised not to travel and the nation was in a pandemic. Furthermore, we then began receiving messages of travel alerts to not go to XXXX because of the drug cartel and danger. Despite all of the above circumstances they closed my account and transferred it over to a debt collection agency. I explained these things to them but they insisted on payments, I contacted the resort and they told me that they would not deal with me any longer and that I have to deal with the debt collection agency. They also recently put the debt on my wife 's credit and it has had a negative impact. I believe I was swindled for a timeshare and misled into signing something that misrepresented the facts and what was told. I tried in good faith to resolve this matter but I see that I am not equipped to deal with this. As an XXXX XXXX XXXX, I was advise by a XXXX XXXX XXXX  to bring this to your attention.
Product: Credit reporting or other personal consumer reports

I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit.Please remove the inaccurate adresses, and fraudulent account.
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. 

The letters are stated with items and issues. 

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: Debt collection

An individual stating their name to be XXXX XXXX XXXX stated for me to call XXXX reference XXXX. When i called a lady stated the name of the business to be XXXX XXXX XXXX, XXXX Florida. They stated i had an debt to Santander auto finance. Last fall another individual stated the same thing so i called Santander and they stated they do not have a debt with me and if they did they transferred me to another collection and when i called them they did not have a collection in my name or social security. 

This individual when i told her that Santander stated there was no debt she said will i don't think so and just hung up on me. 

During the call she wanted to argue with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
Product: Debt collection

On XX/XX/19 I disputed the account LVNV Funding is reporting on my credit report with the 3 bureaus. I also initiated my own investigation with LVNV Funding requesting Validation of the debt. USPS Tracking XXXX XXXX XXXX XXXX XXXX. 

LVNV Funding only sent me a copy of a bill. This is not validation and since they can not provide proper validation this account needs to be deleted.
Product: Checking or savings account

I am contacting you about Centennial Bank, XXXX XXXX XXXX. I have the option to make recurrent payments to vendors. In XX/XX/XXXX, I removed a vendor because of an overpayment and I would no longer be required to pay this landlord on my office lease. In XX/XX/XXXX, despite canceling this payment, they remitted {$2500.00} to XXXX XXXX. I contact Centennial after XXXX returned the checks marked void. Today, I received two additional checks, one dated XX/XX/XXXX and another dated XX/XX/XXXX, for the same amount that was voided and returned. I contacted the bank helpline, and they looked at my recurrent list of payees and my list of payees. XXXX appeared on neither list. They can not explain why. This is a sorry state of affairs. Since Centennial acquired XXXX XXXX XXXX, it has been a total disaster. This is one of many errors. It is my intent to withdraw and close all my accounts once I can switch how they are linked to payees.
Product: Credit reporting

EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015