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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX payment in XX/XX/year> and XX/XX/year> Lies about being update and corrected and didnt XXXX XXXX says its been removed and updated yet its still on my account Addresses I ask to be removed that dont belong to me to be are yet still on my account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX and a name that dont belong to me XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I, XXXX XXXX, a consumer and natural person, am submitting this complaint independently without third-party involvement. I am the original creditor of an open-end credit plan and believe my rights under the Truth in Lending Act ( 15 USC 1601 ) were violated by Fifth Third Bank , XXXX XXXX XXXX ( doing business as Fifth Third Bank ). 

I was notified by mail on XX/XX/year>, of this violation of my rights as defined under 15 USC 1602. As a natural person holding an open-end credit plan, I was adversely affected by Fifth Third Bank , XXXX XXXX  XXXX ( doing business as Fifth Third Bank ), due to their adverse action, specifically citing " borrower risk outside of tolerance. '' I believe this action reflects unfair lending practices that may violate the Equal Credit Opportunity Act, which protects consumers from discriminatory denials. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( 3 ), Fifth Third Bank , XXXX XXXX XXXXXXXX ( doing business as Fifth Third Bank ), is liable for damages of up to {$5000.00}. 

I request a thorough review of this matter, as it pertains directly to my rights regarding the opening of credit lines with Fifth Third Bank , XXXX XXXX XXXX ( doing business as Fifth Third Bank ), and to ensure compliance with fair lending practices.
Product: Debt collection

I received 32 telephone calls from an " unknown '' number leaving this number as a call back XXXX, I attempted to call them back and spoke with a female named XXXX at ext XXXX, who refused to listen and hung up on me. The tactics used by Comenity Capital Bank are unacceptable and harassing, not to mention the threats and abuse of power here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Original Creditor : XXXX XXXX XXXX
Product: Debt collection

I have no idea who this caller is but I've blocked MULTIPLE numbers from " XXXX XXXX '' all of the employees use alliterations and fake names so another I spoke to was XXXX XXXX  for example. 

They've called from XXXX starting XX/XX/XXXX Then from XXXX from XX/XX/XXXX Then it was XXXX from XX/XX/XXXX Now its XXXX which called today Didn't know who it was other than a " recorded line '' and they refused to say who they were with other than XXXX. I called XXXX times and finally after breaking down and getting upset about the situation did the fourth time they finally say " financial recovery services ''. 

XXXX of them VERY aggressively said " sir, we are a COMPANY '' which doesn't mean anything. I could find no details on the numbers that were calling other than when calling the other phone numbers, the voice clearly being " XXXX XXXX '' on all of the other examples online of calls recorded from those previous numbers. 

Have no idea who these people are, they refuse to tell me and only after I tell them how badly they've stalked me for months do they tell me. I look it up and find that failure to disclose your company is in violation of the Fair Debt Collection Practices Act listed on their website. 

https : XXXX Specifically ; Section XXXX of the Fdcpa under False or Misleading Representations : " use any other name than the true name of the debt XXXX business, company, or organization '' Bluntly, when I said I didn't know who XXXX was and I needed more clarification, that failed to disclose the true name of their business multiple times on a " recorded line ''. This lead to me feeling harassed and threatened for months as I had unknown calls swarming me. This is illegal given they claim to adhere to the FDCPA but do not disclose the true name of the business which a deceptive practice. 

Lastly, all numbers I've given are not found on " Financial Recovery Services '' website, so ultimately, I still don't know who is calling. If it is XXXX XXXX XXXX, they are violating the law under FDCPA.
Product: Payday loan, title loan, or personal loan

Received a offer in mail stating I was pre approved for a loan from a lower amount to a high amount. I then required to basically re do application even though I put in a pre approved code. I'm then denied after all that. I was also asked how much I needed. So they lie about pre approved so clients can apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have paid off numerous of my accounts in paid in full but credit burea will not update the account to correct status that thes accounts have been paid in full and are not a collect or charged off as the have reported in my credit file derogatory information for these accounts have been paid in full ans satisfied no longer derogatory accounts need updating to reflect that the accounts are no longer derogatory status
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and other incoming deposits.

Capital One has cited technical issues, which violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. 
thank you, XXXX XXXX
Product: Mortgage

I called AmeriSave Mortgage on or about XX/XX/2020 about a refi, I was assured based on the information I provided it could be done. I have several complaints, no communication, a total change in all the loan numbers, and the appraisal of XXXX that I paid for immediately via credit card, as the loan officer said " he would give me the XXXX bucks back if it didn't go through ''. I owe XXXX on my existing loan and wanted XXXX cash out if possible. The home appraised for XXXX. The next thing I knew I had a request via email, as that is the only way they communicate to send in signed Borrowers certification and Authorization to Release Loan Information. Stating I am applying for a loan of XXXX!!!! When I went in to their document section I noticed my rate had gone from 2.75 to 3 %, my cash out went to XXXX yet I now would owe more than XXXX than I do now on my home. I have called my loan officer non-stop since XX/XX/XXXX and not ONCE has he taken or returned my calls. I went to his manager, it took 3 days and I received an email response at XXXX and a brief follow up message saying my house appraised at XXXX, that explains NOTHING. I have yet to reach him again or get an additional call back, or response to my additional emails. The original intent of this refi was to get a little cash and lower my current payment which was exactly how it began, until I was in the middle of the process then all the numbers arbitrarily changed with NO explanation or communication whatsoever, I don't know how this can or should be LEGAL. Thank you for your assistance XXXX XXXX
Product: Debt collection

HRRG called to collect a medical debt. Caller ID shows XXXX XXXX. Not sure if this counts as impersonating an attorney, but I was under the impression that someone that may be one or at least a paralegal was attempting to contact me for some reason. The person on the phone did state their name and that they were from HRRG, and were quite clear that they are a Debt Collection agency calling about a medical debt.
Product: Checking or savings account

On XXXX XXXX I sent my wife to Chase bank to make a cash deposit into my business checking account of XXXX. The machine malfunctioned and spit out an atm receipt reading To be sure your deposit went through, please call us at XXXX. So i proceeded to call and i had to start a dispute for this transaction. Ultimately my claim was denied and chase refused to issue my funds.
Product: Credit reporting

I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic?
Product: Credit reporting or other personal consumer reports

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX  AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXXXXXX XXXX  ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, TRANSUNION, XXXX, XXXXXXXX XXXX, AND ALL OTHERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX  XXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX  XXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Product: Debt collection

BLITT and Gaines , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Has been sending me a collection notice balance {$1600.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
Product: Debt collection

On XX/XX/year> two men in State of Michigan uniforms blocked me in my driveway and asked for me by name. I was served with a judgement not mine and told that I was obligated to pay it that day because of a new Supreme Court ruling. I was asked to pay the judgement that day. It was also relayed to me that day that my personal assets were being seized because they had been looked up in their data base and were " going ''. I am a XXXXXXXX XXXX and the non debtor. The state of Michigan attorney generals office told me that the state never sends armed debt collectors who don't show identification to private citizens homes in order to threaten them and ask for money.
Product: Debt collection

For the last three to four month this company keeps adding 1 dollar too my account so my credit keeps getting hit. I tried to settle but they are hard to talk too. 
Dont know how too stop them from add 1 dollar every month, It just not right. 
Original amount was {$380.00} XXXX XXXX XXXX. {$3.00} add XXXX XXXX. {$3.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX Now it {$440.00} XX/XX/XXXX they add {$1.00} dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

one main financial & XXXX XXXX dont match. photos attached one main -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX XXXX XXXX got collections XX/XX/XXXX why long wait from one main to XXXX? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct
Product: Debt collection

The phone number that ‭+XXXX XXXX XXXX‬ AKA Credit Corp Solutions keep calling is not my number. They call from at odd times of the day and to the wrong number. My number is registered on the do not call list. I have no idea who credit Corp solutions is because I have not done business with this company.
Product: Money transfer, virtual currency, or money service

There were XXXX fraudulent transactions that were happening in our Relay Financial account. 

A partner of mine called me and mentioned that he wasn't the one making them. We automatically called the bank and let them know of what was happening. 

Relay Financial allows any XXXX who has Bill Payer access is able to add a ACH Payment and Make a ACH Payment. Since XXXX XXXX, my partner in these XXXX bank accounts had Bill Payer access, the hacker was able to access the accounts, add payees of choice and make payments. 

Transactions were to XXXX  XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$5000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$9800.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$49000.00} ( XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX, XXXX XXXX and XXXX XXXX didn't go through. 
We connected with XXXX XXXX, from XXXX XXXX and he assisted in freezing account and working on getting the {$29000.00} that were transferred out. He mentioned that we should have it back or an answer XXXX days after incident. I began reaching out every few days to check on status and the bank wasnt responding to the emails and no updates when I would call. 

Reached out to the Relay without responses XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 We have information like ACH account numbers and routing number as well as email for XXXX XXXX. 
Happy to provide any information needed.
Product: Credit reporting

I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I Submitted 3 credit report error disputes on XX/XX/2021 to XXXX, exquifax & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX, XXXX 2020 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Product: Credit card

I have several credit cards with XXXX Bank XXXX I have a XXXX card that I use for my business that had a {$XXXX0} limit. This card is vital to my business. I use this card religiously and pay it off completely as fast as possible. Despite this they reduced my credit lime from {$XXXX} to {$XXXX}. This considerably damages my businesses ability to repair houses and buy items for my tenants. 

They also have reduced my credit limit on all of their cards without warning damaging my credit score without cause.
Product: Mortgage

i have received conflicting information on what information is required of me, I have received numerous, ov er 20 conf using emails. I have received multiple phone calls for conference calls with mortgage companies only to be told that the mortgage company does not accept conference calls - all of this is done to delay the decision process. I have also had my privacy invaded, I provided checking account statements for the purpose of verifying the balance only to find that Caliber mortgage investigated all of my personal spending over several months and then they REQUIRE me to explain and substantiate my personal spending habits, spending that has nothing to do with evaluating my credit worthiness. I also believe that on ce Caliber Mo rtgage found out that I am employed by an  XXXX   XXXX , they systematically tried to find reasons to deny my loan, no doubt a form of subtle discrimination. I feel Caliber has evaded my privacy in doing an extensive investigation of my personal spending and then decide to discrimate against me because I am employed by an  XXXX   XXXX . I believe with my employment record and credit rating of over  XXXX , any reasonable mortgage company would approve my loan. I believe there is a possibility of either discrimination or fraud at Caliber.
Product: Credit reporting or other personal consumer reports

I had accounts with PNC, XXXX, AND XXXX BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

PNC, early 2023. 
XXXX in XX/XX/2023. 
XXXX XXXX XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX
Product: Student loan

Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. 

On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. 

XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.
Product: Mortgage

Hello I have been having trouble with lender. Here is the story ; " My rental contract ended on XX/XX/year>, and we planned everything based on the original closing date of XX/XX/XXXX. We provided all the necessary documents on time and paid the closing costs. It appears that the delay is due to the lender 's failure to properly review and submit the documentation, which has caused the current situation. We did not receive any notification about incorrect documentation until just a couple of days before the closing date. We gave him time until XX/XX/XXXX, but he has not been able to provide any information about what will happen next. 
Moreover, my wife and I used our PTO for moving out, and we need to move as we return to work on Thursday. I asked him if the closing is impossible, we request that you provide us with storage, a XXXXXXXX with helpers, and hotel accommodations until the closing date. However, he has not responded. 
Customer : XXXX XXXX Company lender : XXXX XXXXXXXX XXXX XXXXXXXX Loan Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX