23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have file XXXX complaints with Equifax to remove the XXXX student loans accounts for XXXX XXXX XXXX ( XXXX ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to Equifax XXXX/XXXX/XXXX, the tracking number for proof of delivery, Equifax response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX Equifax response to my question regarding how long information remains on file, XXXX Equifax credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX and a XXXX letter head from XXXX. Please have the XXXX XXXX XXXX ( XXXX ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe XXXX has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts XXXX is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as XXXX XXXX XXXX XXXX Equifax and XXXX on XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX, but is registered as XXXX XXXX XXXX. My complaints with CFPB in XXXX stated they could not investigate XXXX XXXX XXXX because the company could not be found and I can not file a complaint that has XXXX names ( ie. XXXX/XXXX ). It 's my belief that XXXX is practicing fraudulent tactics and really need to be investigated fully! Also Equifax needs to be held responsible.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of XXXX On [ XXXX, I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, 1; explaining that the reported late payment was inaccurate for the following reasons : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For instance, you may have made your payment on time or there may have been a clerical error. ] 2 ; [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ TRANSUNION ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, Regards/Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I submitted a complaint via the CFPB portal about Equifax 's investigation to a previous dispute and their failure to comply with the FCRA by not properly verifying two accounts on my credit report nor providing me with the proper method of verification per my request. A new investigation was opened and on XX/XX/XXXX, Equifax responded by saying they were unable to locate a credit file with the identification information that I provided. 1st, I did not provide any identification information. 2nd, the address that they have on this letter includes an apartment number of an old address and they are associating it to this new address which is a house, not an apartment. They are asking me to provide 2 forms of identification to match what they have on record for me as my address, but what they have on record is incorrect. There are two problems here. One, this is a dunning letter which is meant to stall the investigation process to buy them more time. That is unacceptable because their records are wrong and need to be fixed on their end, not mine. Two,  Equifax already has my identification information on file because when I call in about my account they are able to successfully locate my file and matching identification. This is a method to stall my original request to have the following accounts removed because Equifax can not properly verify them : XXXX, acct # XXXX and XXXX XXXX XXXX. Not only do these accounts need to be removed, but my proper address needs to be updated.
Product: Checking or savings account

M & T Bank - XXXX Funds Frozen On XX/XX/2023 the day that I receive my XXXX check as I am a XXXX XXXX XXXXXXXX XXXX XXXX all of my accounts were frozen under suspicion of fraud. I went to the local branch to verify my identity and confirm there was no fraud activity on my account. 

My wife deposited a XXXX car insurance check for {$3400.00} as our parked car was hit and the second action was my wife sent me a XXXX for {$1300.00} dollars. 

My mortgage was declined due to my accounts being frozen. I requested to please at least give me access to my XXXX check for my mortgage as I am on a repayment plan and if payments are not meant on the schedule provided I will face immediate forclosure. They have denied this request as of XX/XX/2023. Even though I have given all documents to show and dispell any fraudulent activities, they are holding my XXXX check XXXX and forcing me into foreclosure if this isn't rectified immediately. 

I explained that XXXX months of my XXXX payments are off limits. ( Look Back Period ) At this time I feel I am being targeted and discriminated against because I am a minority XXXX veteran.
Product: Checking or savings account

Beginning XX/XX/XXXX until XX/XX/XXXX, Chase Bank charged my Total Checking account XXXX maintenance fees of {$12.00} each while the account was " dormant '' ( entirely invisible to the account owner via the website ). Here, " dormant '' does not mean " hidden '', as Chase does offer the option to Show or Hide accounts on their online banking website. I know this because I looked deliberately for my account multiple times during this period because I remembered opening a Chase checking account. However, when I found that there was no checking account listed on the Chase online banking portal, but my other accounts and their balances were consistently listed correctly, I reasonably determined that the account I was looking for had been closed. It would be certianly unreasonable and possibly illegal for Chase to hide an account from a customer, preventing them from using online banking features and monitoring its balance, while simultaneously collecting objectionable fees on that account every month that any reasonable person would notice if they were provided visibility into their account 's balance. After calling Chase customer service on XX/XX/XXXX, I was notified for the first time that my account was " dormant '' by a Chase agent, and they reactivated my account. I then discovered XXXX fee transactions that were not just unknown to me, but UNKNOWABLE without the unreasonable customer action I took of calling customer service to confirm the very existence of the account. Chase has refunded me XXXX of the XXXX fee collections. An account that has ANY form of monthly activity, whether it is in the form of customer usage or fee collection by the bank, should NEVER be allowed to be marked as dormant and the account 's entire existence hidden from the customer through normal facilities such as the Chase website. This practice enables account facilitators like Chase to drain accounts using fees while providing no service or notice to the customer of any change to their balance.
Product: Bank account or service

Bank of America is reporting my loan as a charge-off despite releasing the lien and providing a certificate of satisfaction. I have called and faxed the lien release to them and they will not return my calls or confirm receipt once they are told I have one. 

Background. In XXXX, I attempted to get a loan modification through Bank of America. State of MD posted that modifications were available even if you were n't behind but anticipated problems. I was on time for my payment for both mortgages, but my wife lost her job. We asked for a loan modification for over a year, with no response. I contacted the bank 's military line and they finally responded and stated that they could not do a loan mod unless I went into the forbearance program. Entered the program and when my wife got a job I asked for the loan modification. POC confirmed they had all the information needed and asked us to wait. We waited and were told we were not approved because we were missing information. Of course, the POC no longer worked there. This went on for over a year, including work with a local liaison that worked for the county to work with the banks on load modifications. We applied again and again. After about 18 months we were told that we technically qualified for the loan modification based on the requirements, but the owner of the loan did n't want to modify. Mind you, I applied for this loan via Bank of America via my local branch. Bank of America, never communicated that they did not own the loan. I complained and in XXXX XXXX, I received a check for about XXXX from the Bank stating that they had not properly served me as a customer. I then learned that my loan for my XXXX trust was released, I assumed as a condition of their settlement for improper foreclosures. I aked, but Bank of America never gave me an answer about the check or the release. A year later ( XXXX XXXX ) I sold the home. However, Bank of America continues to report the loan as a charge off. I ca n't buy a house now even though I have the credit scores and the down payment to purchase a home. I have attempted several times to get this removed via credit reporting, calling the bank and going to the local branch. I have essentially been penalized by Bank of America because they were corrected for improper procedures. I have attached the original deed of trust and the certificate of satisfaction with matching liber folio. It is not right to say we treated you wrong, here is our attempt to correct our bad acts and then pretend the apology never happened. I want the charge-off removed and an explanation why they are fighting this. I have attached the settlement statement ( which I would not have without a release -- this was not a short sale ), Deed of Trust and the Certificate of Satisfaction recorded. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report XX/XX/year>, and realized that my ID was stolen due to charges that I did not make. I saw an address that I have nerve lived nor been in that state. ( XXXX XXXX XXXX XXXX NJ XXXX ). Also a date of birth is not mine. 
Accounts like XXXX, XXXX Accounts, Etc. I would like to have my credit report information blocked due to fraudulent activity. They have resulted in negative reports. I do not recognize these accounts & charges and they have not been made by me. I have attached a copy of the affidavit that I filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to dispute these four accounts and the inaccurate information that's being placed on my credit report by Equifax, and all have failed. The accounts with XXXX, and the one account with GA XXXX are reporting 120 days late, but these accounts are closed paid accounts with a zero balance. I don't understand how i can be 120 days late on closed accounts with zero balances. And to further validate my point, the " Last Reported Date '' on these accounts haven't been updated in years. The Last Reported Date should reflect my most recent dispute date, and since it doesn't, this tells me that no investigation into my complaints were ever done. 
The accounts XXXX and XXXX are two collection accounts that are reporting 120 days late as well. But how can i be late on a collection account when by default it is late. A collection account can not report an account as being late. There is no payment history with a collection account. Therefore, all these accounts are reporting falsely, and i want them permanently deleted from my credit report. I'm attaching past dispute letters as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts are not my the accounts are fraudulent accounts I need help and removed those accounts from my credit file I attach the information about those accounts.
Product: Mortgage

On XX/XX/XXXX XXXX 2023 I closed on loan number XXXX with Statebridge Company LLC that took over the loan ( 1 ) month before I sold the home for this loan. Statebridge Company LLC stated to me they reported to all ( 3 ) credit bureau which is not showing on any of the ( 3 ) credit bureau 's. I need it to show I had the loan with Statebridge Company LLC in the amount of {$67000.00} and that it was paid in full. Attached are the closing statements and a letter from Statebridget that they had my mortgage.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on file* In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and transunion. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Product: Checking or savings account

When I changed my account from a student checking account to a standard checking account, I asked to be opted out of the option to overdraw my account. It was never done, and I continue to be overdrawn and charged an overdraft fee. Funds are added back within a day or 2 and Im left overdrawn because of the fees they charge.
Product: Debt collection

I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.
Product: Credit reporting 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. 

Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : 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

XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.
Product: Mortgage

My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018. 

On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}. 

On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank. 

We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us. 

On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ). 

The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due. 

We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX