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

The account XXXX XXXX XXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.
Product: Checking or savings account

XX/XX/2023 I had no access to my checking account with Citi bank there was a block from franchise tax board so I called the its and cleared the issue and they lifted the block I called my bank back and they informed me there was now a fraud block I asked how much was in my checking account in which I was told {$1800.00} and that my account was waiting to be closed. I asked on what basis I was told for too many dispute claims. I explained that I had I made one claim and the lady handling my claim didnt dispute all the charges and I didnt know that until my dispute was found in my favor and provisional were final but what I received back wasnt what the initial dispute was for so when I called my bank is when I found out only 10 out of the 67 were disputed. So I disputed the remaining 57 that were then denied I informed them I never received an alert or a block on my account when these purchases were being done and I shouldnt be having to dispute this had the 1st worker done her job and disputed all the charges that is when I was told that it only took them 4 days to fully investigate 57 transactions but it took 60 days to investigate 10 transactions and they didnt have a response. But I was told that I wouldnt have access to my account and it will be closed soon and any funds in the account will be issued in a check. It took XXXX more days and I recieved a check but for only {$500.00} not the {$1800.00} that was in my account.
Product: Debt collection

I believe someone else is using my information And I dont have anything to do with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 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 viXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 ( see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.
Product: Credit card or prepaid card

Commenity Bank I have made monthly payments but because I was a few days late they have tacked on excessive fees. Regardless that I am trying to pay they call my phone every day 5-7 times daily. It doesn't matter if it's the weekend, a holiday, no matter the hours from several numbers listed under their company name. 
For example From XXXX They called at today @ XXXX. XXXX From XXXX They called at XXXX This is excessive. I am paying them and can provide documentation to support this but I feel harassed and threatened. I feel violated from excessive phone calls I have attached some screenshots of some of their e cessive calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquires on my XXXX report. Ive contacted XXXX and they refuse to do anything about this. 18 total inquiries on my report that were not authorized
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Miscellaneous ), XXXX XXXX XXXX XXXXXXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX  case # XXXX, XXXX XXXXl case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, Equifax, XXXX ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.
Product: Mortgage

Regarding Loan # XXXX ( XXXX ) XXXX XXXX Closing : Bank of America ( lender ) located at XXXX XXXX XXXX in XXXX, Ca XXXX recorded a Deed of Trust in the XXXX XXXX Accessor office with me as a borrower ( Trustor ). I did not sign this document. The signature using my name was not signed by me. I did not apply for or agree to pay this mortgage on my home. The amount of unpaid debt on the Trustee 's Deed Upon Sale document is {$760000.00}. The amount paid by XXXX XXXX XXXX South Dakota XXXX ( the Grantee ) was {>= $1,000,000}. The Deed of Trust was recorded on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 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.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.
Product: Debt collection

A FEMA loan was made by XXXX XXXX XXXX, deceased XXXX XXXX. 
Payments were made on this account for years. You can check, there was never a late payment. I remember when the representative came to the house. Went over everything, with XXXX. He specifically said to him, " When you die XXXX, this loan dies with you. '' The rep and XXXX discussed the loan, he took all of XXXX XXXX banking information and XXXX signed all of the papers. The house was in XXXX 'S name. XXXX had the credit. The BORROWERS are XXXX XXXX XXXX. I was not even in the office most of the time, in fact I was not even there when the Rep left. The loan had nothing to do with myself. The Rep did not even speak to me, because it was business between him and XXXX. We got married. XXXX made every single payment from his bank account that was in his name alone. Why would I be held liable for this bill? The house was not in my name and I did not have very good credit, and I wasnt even there during most of meeting. This loan did not involve me, they did not put my name on this, why would they, I had no credit and no collateral. I did not sign anything, I was not even present. PLEASE get this off of my credit. It is ruining my life! I am now desperately trying to refinance and this shows up now IN MY NAME. How can they do this? I am almost positive I sent his death certificate to them. I now have a XXXX XXXX on my name. I have 90 days from XXXX XXXX XXXX, to refinance this home or it be sold at auction. I am at a complete stand still until I have a cleared authorization on this matter. This is not my debt. It was my now deceased husband 's debt. I should not be liable for this, please remove this so I can move forward. Thank you
Product: Checking or savings account

My account with Discover was locked out then after sending in ID and numerous follow up calls in re as well as attempts to reach a manager, was told account is closed. Since account is closed and access restricted, I do not know details of account activity such as bill payments, ACH payments, deposits, etc .... I request Discover send statement of final account activity as well as a check for remaining funds in account ASAP.
Product: Bank account or service

I opened up a citigold account on XXXX/XXXX/XXXX in response to a promotion that promised XXXX XXXX XXXX AAdvantage miles after I met certain requirements with were clearly stated for this promotion promotion ID XXXX On XXXX/XXXX/XXXX I verified my eligibility for this promotion with XXXX XXXX XXXX XXXX and on XXXX/XXXX/XXXX I confirmed again that I was enrolled in promotion with XXXX XXXX XXXX # XXXX She also confirmed that I had met all the requirements and that the XXXX XXXX AAdvantage miles would post to my account by XXXX/XXXX/XXXX. I sent an email to Citibank via their secure message service and received a mail response that there was not a promotion in conjunction with my account which is very confusing since Citibank had already confirmed 2 x already that there was a promotion and it was on my account had met all the conditions. 
Citibank bait and switched me on this promotion. 
I sent another email and was advised that my issue was being escalated to a different dept. 
Citibank asked me to fax over documents to them and they provided me with a fax number on XXXX/XXXX/XXXX and I faxed the documents on that day. I never heard from them so I called again. This time the rep told me that they had a problem with the fax machine o that day and asked me to refax them the documents this time to a different number so I refaxed them the documents on XXXX, XXXX and XXXX/XXXX/XXXX. I then called citibank again and they still had no notes on my account regarding these faxes and if they had received them ... the rep put me on hold and after a long hold she confirmed that the fax had been received .. I sent a secure message that same day and received an email back that the dept has received it but was backlogged and I should hear back soon.. 
Its now been over a month and I havent heard anything. 
Please help me with regards to solving this issue with Citibank I have all documentation regarding my emails, faxes and secure email transmissions Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

Early Saturday morning around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to take money out of an ATM. I saw that it was declined so I logged into Mobile banking, someone who was at the store where the ATM was said he could help and took my phone and sent himself money through XXXX. 

They sent themselves {$3500.00} from my XXXX account. The recipient 's name is " XXXX '' and the email is XXXX. The next day, I denied the transaction saying I did not authorize it and submitted a claim with my bank, Bank of America. They recently told me that they are unable to honor the claim, so I had to file a police report for fraud.
Product: Student loan

I think it is Very unfair that I am not able to apply EXTRA payments to my principle balance. I emailed asking how I can do this and this is the emailed response : Dear  XXXX  : Thank you for contacting   XXXX   XXXX  .         The interest on your loa  n ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). Each payment will be applied the same. First, it will be applied to any interest that has accrued since the last payment, and then it will be applied to principle.
We do allow due dates to advance one month. We can place a note on your account that will prevent additional payments from advancing th  e due date. If you would like this applied to your account, please respond with this request.         We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at  XXXX .         Sincerely,  XXXX   XXXX  Customer Service This should be illegal. How come I am not able to apply towards JUST the principle on top of my monthly balance that goes to interest and principle. I should have that option.
Product: Debt collection

I am XXXX XXXX XXXXXXXX through XXXX with a rare XXXX in which XXXX causes my XXXX to become worse and Portfolio Calvary is reporting a collection debt to my XXXX that violates the FCRA and Federal Law under Section 112 and 114 due to they are not reporting when the last delinquency was with original creditor and therefore I am unable to verify this is my debt and XXXX who they pay was reckless in allowing them to quickly verify the debt without any substantial information. I never received anything regarding this debt to dispute it from Calvary Portfolio. This collection must be DELETED as it violates Federal Law and my Attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is ready to act against Portfolio Calvary & XXXX for damages, including under the ADA.
Product: Money transfer, virtual currency, or money service

The shock came during the week of XXXX XXXX. We were devastated to learn that my husband was victim of a telephone scam, the banks securities had failed, and the savings can not be recuperated. He had been called supposing from the SSA and they had told him there were charges on him and that the social security number had been used for drug trafficking and money laundering. He was so scared of having to go to prison and not being able to see our daughter and me that he believed the story. Additionally, he was told not to tell anyone about this because else it would go public. He was tracked for a week and when they found out he was about to transfer all our savings from XXXX to here ( {$260000.00} ). The scammers told him that he needed to send the money to a safe account in XXXX. He would then get the money with his new Social Security number which would not have any charges on it because they now were sure that he was not involved in any drug trafficking. We already had the contract for a house and the money from XXXX was supposed to be the down payment. Of course, no money came, and my husband broke down and we had to cancel the house contract. We reported this to the police and the FBI, but nothing is happening. Also, the involded banks ( Wellsfargo and  XXXX XXXX ) are not very cooperative. {$30000.00} USD had been transferred from our Wells Fargo account to the fraud account in XXXX. We had just opened the account, transferred some money into the account and the bank knew that we were planning to buy a house. How could they have not asked for a reason for us to transfer all our money to a known money scamming country? Why are there no extra security checks in place for these types of suspicious transactions? My husband was blackmailed, and it should have rung all the bells within the bank. 
We have asked the bank to try to stop the transaction and get the money back but they said that they had tried but not succeeded and that it was our own fault. 
Wells Fargo allowef the transaction on XX/XX/2020 XXXX . The XXXX XXXX XXXX allowed following transactions. Transaction Amount : {$140000.00} Transaction Date : XX/XX/2020 and Transaction Amount : {$90000.00} Transaction Date : XX/XX/2020.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report Ive noticed this account reporting negative information. Ive disputed this account and it came back verified and accurate. I recently did a complaint with CFPB. In which they replied that they couldnt get in touch with company also. This has to be a mistake on your end.
Product: Mortgage

I've attached the required documentation giving you permission to speak with me. My client died intestate in XX/XX/2022. XXXX XXXX was in probate court and finally received the appointment as her personal representative on XX/XX/2022. During this time, CELINK initiated foreclosure proceedings in XX/XX/2022. We notified Celink throughout the probate process. Documentation was submitted showing the XXXX had been appointed as the personal representative. We listed the home right away. Celink still foreclosed on the home. This was a reverse mortgage. My client put down {$170000.00} and had not owned the home for even a XXXX before she passed away. A real estate investor purchased the home at the foreclosure sale. My client worked hard for her money and due to Celink, her family 's inheritance and equity in her home was transferred to a real estate investor. There was no reason for Celink to foreclose so quickly. This was in probate court and the house was listed on the market once her XXXX received the authorization to sell the home.
Product: Mortgage

I reached out to a mortgage company to help purchase a home. I was preapproved and told we were good. During the process they convinced me and helped me sell my home. Once my home was sold and closing was close I was told they were having trouble getting me approved. I explained I no longer have a home because they sold mine. They explained to just wait and they would get me my new home. During that week while I worried about where to live my loan officer ignored my calls and messages. once I called from my daughters phone he suddenly answered. I paid appraisal fee and inspection fee and XXXX towards new home. The day of closing I still had no news and had to start looking for somewhere to rent. I constantly reached out with my fears and concerns but was told to just wait. I ended up having to sign a lease and move to an apartment and called to stop the loan process. I was told that my XXXX would be refunded to me. Now I am told the seller in entitled. Mine and my sons health was affected by the stress of this ordeal and the fear of being homeless. I did most of the leg work for the process.
Product: Vehicle loan or lease

they've attached a fraud account to my credit report I didn't notice until XX/XX/XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there ford motor credit and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees