23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Quicken Loans Executive Mortgage Banker contacted me on Friday, XX/XX/XXXX around XXXX ET. We spoke about the details of my loan request, amount, percent of down payment, amount to be financed, my desire to not have any points to pay, and my desire to do a borrower paid PMI so I'm making monthly payments of the PMI rather than it being baked into the interest rate. I also provided him the credit score that was used by the mortgage company that pulled my credit earlier in the week. I asked him to email me the rate and PMI he was getting, along with fees, so I could have something to reference as I shop for rates. Below is what he sent me at XXXX ET that morning. 

Hello XXXX, It was great speaking with you today. Per our conversation, we discussed the following option : Purchase Price- {$570000.00} Down Payment- {$28000.00} ( 5 % ) Rate-4.375 % PMI- {$100.00} per month Origination- {$1100.00} ( Total Closing Costs could be anywhere from 3.5 % -4 % ) This is based on what we discussed and can change depending on where the market is at. Once I get everything in the system with a credit report I will know more of an exact figure. Please let me know if you have any additional questions! '' Today, XX/XX/XXXX, I spoke to him again and told him I have a ratified contract and am ready to lock in my estimate, however, I need to know if the rate has changed since Friday and if he can help bring the origination cost down since there is a competitor who is charging quite a bit less. He said he would contact me at XXXX ET today with the new rate, if it had changed. He called at XXXX ET on the dot. Very punctual. When we spoke, he said the rate had not changed. I asked him about the origination fee and he kept telling me, Friday and today, that he needed to run my credit to get an approved packet over to this Director. An approved packet should NOT be required to talk about origination fees that are wholly owned by the lender. Despite that, I asked him to at least have the conversation with this Director to see if they would be open to moving on the origination fee, considering I'm getting a quote with quite a bit of a lower rate. 

I called him back at XXXX ET today to ask him if he had an update on the origination fee. He didn't and said the same thing again. So, rather than continue trying to get through this without letting them run my credit, I went ahead and gave him my social security number and income so he can get the origination fee negotiated on my behalf. 

Instead, he calls me back at XXXX ET to tell me the interest rate has changed. At XXXX ET the same day, he told me the rate had not changed. I don't understand how that happens. His statement now is that I need to pay points in order to buy the rate down to the 4.375 %, an opportunity for them to make money. I've included the details of the additional interest they will collect because of the rate difference so that's yet another opportunity for them to make money. 

These deceptive practices are the reason the CFPB was created. I can not believe they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. 3 Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Sent Right of Rescission , Affidavit of Truth, Affidavit of Truth that All Accounts are Paid In Full, & Credit Card Prepaid on the XXXX of XXXX, on the XX/XX/XXXX it was delivered. Auto Loan current balance of {$18000.00}. XXXX XXXX XXXXXXXX current balance of {$2000.00}. I've been sent back how its still my obligation to pay this fictitious debt & Fraudulent loan constantly being harassed for a Bill, demand of payment that can't be made due to the fact there is no real money in circulation with which to pay. Although I stated I've accepted for value and returned for value to the sender extinguished due to the fact that the only money you have to extinguish a " debt '' with is your credit - the constitutional credit of the United States- your mutual offset credit exemption exchange.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I have always paid on time, and I'm certain of this. What I'm unsure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account as it does not belong to me. Experian deleted said account after investigating my account and then put it back into my credit without contacting me. Because it was deleted from my file, it should have never been placed back on. Also they did not send me a letter notifying me of the intent to reinsert this account that does not belong to me into my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I've made numerous changes to my credit report file and sent letters to transunion of it's inaccurate reporting and lack of investigations. Since then I can't access my credit report or unfreeze or freeze my report. I've received a update report from my credit card that an employment was update to my transunion account. I already called in and made a complaint that concrete property management is not my employment this is bs. Transunion flagged my account because I disputed bs that don't belong to me. So I've asked already to have it fixed and was given the run around it would be fixed. It's been 3 months an nothing. It's against the law to flag my information that I'm entitled to dispute when transunion is reporting incorrect information. This needs to be resolved immediately
Product: Debt collection

on XXXX/XXXX/16 at XXXX I received a call from a XXXX XXXX introducing her self requesting why the bill had n't been paid after several notices had went out, when I asked to verify the address or the amount she responded never even advising me where the collection was from, 'you got the letters and continued yelling, i asked can she please lower her voice and i would verify my address since i moved within the last year. She continued yelling and cussing ( so not necessary ) XXXX if you do n't give me your address i will find you one way or another. i asked again please lower your voice there is no need to yell she continued with Im not yelling and im done i will find you, then hung up, i called back to speak to a supervisor and she answered the call saying she was the supervisor and that XXXX XXXX did n't have time for this nonsense and hung up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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 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, XXXX  '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Experian has XXXX account XXXX original creditor XXXX. I never had XXXX nor did I ever live at the address it was installed has been deleted with the other XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i sent an certified letter to Transunion and XXXX stating that there are collection accounts that are reporting " OPEN '' which is against FCRA guidelines and theses collection accounts are being reported INCORRECTLY and should be removed. As of XXXX XXXX there has been no change regarding this Matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report after previously disputed Discoverbank has not corrected the information on my consumer report.Discoverbank has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also according ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

As well in 15 U.S code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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: Mortgage

Wells Fargo has Violated the XXXX day rule. They referred my loan to XXXX XXXX their foreclosure attorney while in the midst of a loan modification. I received notification XX/XX/XXXX that my loan application for assistance was denied. I received another letter Tuesday XX/XX/XXXX indicating I didnt accept their offer. However, the letter was dated in XX/XX/XXXX. I also received the initial communication letter from their attorney also in XXXX. This is clearly XXXX XXXX. 

They have failed to respond to any of my Correspondence. The XXXX, Notice of XXXX, neither did they acknowledge my request to see the XXXX XXXX. 

I am XXXX plus years old and have paid this note completely off. They even sent me a letter of cancellation releasing me from the debt. 
They are try to take my house because I a great of equity. 
They accepted money last month but they are still trying to wrongly foreclose on my home where I have lived for many decades
Product: Credit card or prepaid card

Once my personal last card came in the mail I tried to load {$500.00} on to it at XXXX. I go out to my car and check the balance, and it says no transactions found. I tried to call customer service. I was put on hold for over a half an hour. I attached my receipt and screenshot of my account which has never been adjusted.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX  XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB XXXX XXXX XXXX XXXX incorrect Address Records that LexisNexis is XXXX on my LexisNexis Accurint Report. On XX/XX/, LexisNexis responded to XXXX XXXXmplaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.
Product: Credit reporting

To the officials at the CFPB : On XXXX XXXX, 2015 I disputed a lien that was withdrawn and removed from my name in XX/XX/XXXX by the XXXX XXXX Recorders Offices as my application for withdrawal was accepted by the State of California. Account XXXX needs to be deleted from my credit file and Experian has verified it and updated my credit report in the matter of only XXXX days and has not sent me any paperwork or verification showing what they verified and how they verified this item with the XXXX XXXX Rec. Offices. I do not believe that they conducted a proper investigation and they have not sent me my requested descriptions regarding the information which they claimed to have verified. This item is not supposed to be reflecting on my credit report and now I am being denied credit and a better rate on my balance transfer cards with XXXX bank as they were relying on the removal of these liens by Experian to approve my credit lines. They are causing me so much stress and they are affecting my very existence! I attempted to call their executive offices and was not able to reach a live person. The XXXX devision has told me that they forwarded removal of invalid Lien slips to the XXXX bureaus. I wonder why Experian has not updated like the other XXXX have? Please, I need the help of the CFPB because this item is illegally reported and not valid and was paid in full immediately and sent to the recordings office before its due date which caused a record in the system, but this has since been removed from my name after the release and the withdrawal of the lien. This was a mistake by the offices and if Experian conducts an in depth investigation they will se that this account in not in archives nor is it verifiable or accurate os of XX/XX/XXXX. Please please can your agency help me? I have also filed a report with the FTC and the XXXX once I received a notification that they had verified it and sent me absolutely NO evidence of how, when and why! I do not understand how they even conducted a through investigation so quickly! I do not understand, this is my livlihood! I do not feel like an investigation was even conducted. This public record item is ruining my life I am only XXXX years old, they have no idea how much this is affecting me. The State does not allow bureaus to report join their behalf with inaccurate information. No one at the recorders office has been contacted by this company and the account is not verifiable as of XXXX 2015. Please this needs to te deleted immediately so I can finally breathe. I worked for years to work to get the state to see the mistake that was made as the amount was paid years ago before even being transferred to the XXXX XXXX recorder offices in XXXX, California. Can you please ask them to conduct a new investigation immediately? I read on XXXX that you guys help people in need to get these invalid liens deleted! Please, i need you help.