23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We began with, XX/XX/XXXX, US BANK in XXXX XXXX CA to complete a refinance ( advertised loan at 3.5 % and no fees loan amount at {$1900.00} a month ) of our home mortgage, since our mortgage with XXXX increased to {$2800.00} a month formerly of XXXX XXXX XXXX who assigned/sold our original loan for processing to XXXX XXXX, w/o our consent. Finally, in XX/XX/XXXX, loan processed and our mortgage note on a monthly Basis became {$3200.00}. We have contested this, but to no avail ; they refused to lower the note as previously agreed toGFE ( Good Faith Estimate ), XX/XX/XXXX, loan amount of {$420.00}, XXXX @ {$2100.00}, 4.375 % 30 year fixed monthly mortgage note. We do n't understand how they can ad additional charges to our loan and expect that we pay this amount on a monthly basis for 30 yrs. How can we get US Bank to honor their commitment to us at the Original GFE proposed to us. This is not everything, but basically this the problem and we have met with the loan officer as well as Bank Mgr. of the XXXX XXXX branch asking that they work with us but they have refused to meet with us once again and/or reconsider our request to refinance at a lower mortgage. Please Help, as consumers Banks ca n't be allowed to deceive and/or provide documents at their discretion to arbitrarily disguise or changed the terms of a loan. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information and when calling them very rude, threatening to take me to court and mess credit report. Explained I have fraud alert on account this info is inaccurate and false of the debt owed. I have disputed and need off all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$890.00} High Balance {$630.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting or other personal consumer reports

My equifax account login shows the wrong information, it displays a completely different person with the same date of birth and similiar name. Equifax has since then srill showed a mix of the other persons credit report with mine. This has been an ongoing issue since XX/XX/XXXX, with two disputes to Include XXXX, and XXXX. I have attempted to resolve the issue first through contact with equifax customer support and further more by providing pertinent documentation to prove my identity. By around XX/XX/XXXX, core credit was registered and yet my equifax account information was further distorted when a customer service representative assured me that it would be resolved. It is now XX/XX/XXXX, I'm still waiting for my actual credit report to be mailed to me alongside the confirmation email that my situation is being escalated to the proper departments as the entire account has gone on to display the other person 's information except for my email, phone and login. Furthermore several days after my complaint, I have been barred from accessing the website through XXXX with a XXXX forbidden error which means that their server sees my request but denied authorization to login.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw inquiries that I do not recognize.
Product: Credit reporting or other personal consumer reports

I sent letters to all 3 credit bureaus requesting that they delete account for XXXX XXXX XXXX, XXXX because a collection is past due by default and therefore, should not report as past due on the credit report. I provided exhibits as well which I will attach.
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance on XX/XX/XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. On XX/XX/XXXX Hyundai sent me a bill which is a violation of 15 USC 1692b.
Product: Mortgage

This is urgent. 

We are unable to pay our mortgage for our home at XXXX XXXX, XXXX XXXX. We received a foreclosure notice from Rushmore Loan Management Services in XXXX CA. Rushmore bought our mortgage loan from XXXX XXXX  recently and we found out 2 weeks ago. 

We heard from news sources ( XXXX XXXX XXXX that the forbearance is given to 3 months and allowed to be extended for 12 months. Rushmore is refusing the forbearence for our mortgage. 

Can you please help with stopping our foreclosure. We were late with mortgage payment before the covid period due to the income loss. Due to the covid our household has XXXX income. My son and daughter ( students ) both lost their part-time jobs. I have been looking for project/jobs and covid19 put everything on hold. My wife runs an air bnb ( XXXX of the XXXX units ), which is stopped now. We applied for XXXX loan and we were declined. I applied for unemployment in XXXX and I was denied.
Product: Credit card or prepaid card

I was selling a dress on XXXX marketplace in the first week of XXXX for XXXX $ and received an offer from a XXXX user. They sent me an email ( that I found out later was a scam ) that looked like it was from XXXX ( the agreed upon method of transaction ) to make it look like they had completed the payment. I did not realize at the time that the email was fake/ a scam, and after I had already shipped the product I got another email that said the buyer of the product would have to send another XXXX $ on top of the XXXX $ they paid for the product because of " an issue with XXXX account limit '' and that I would not be able to have the XXXX $ deposited into my XXXX account unless I showed proof of refunding that extra XXXX $ to the buyer. The buyer contacted me saying they would pay the extra XXXX so I could supposedly get my XXXX $ payment for the product deposited into my account and that I should send them proof of refunding the extra XXXX they paid supposedly because of the account limit issue. I thought I was refunding them for the extra money they had supposedly paid so I could get my payment funded to my account, but it in fact was a scam and instead of receiving my XXXX $ payment for the item I paid XXXX $ to the scammer. I disputed this charge that was made through XXXX through my Wells Fargo account and they denied the dispute. I believe this falls under the consumer protection laws for regulation E and would like this report to be sent to my bank in hopes of them refunding my money because of a scam.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  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 60 days 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  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 XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax for their failure to comply with the requirements outlined in Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). On XX/XX/year>, I disputed the accuracy of several items on my credit report with Equifax as I believed them to be incorrect. Under Section 611 of the Fair Credit Reporting Act, Equifax is required to conduct a reasonable investigation and notify me of the results, including their method of verification, within 15 days of completing the investigation. However, to date, I have not received any notification regarding the method of verification used by Equifax. Failure to provide this information within the specified timeframe constitutes a clear violation of Section 611 ( 15 U.S.C. 1681i ), which mandates that the credit bureau must notify the consumer of the method of verification.

Furthermore, since Equifax has not verified the disputed items in accordance with the law, I request that these accounts be immediately deleted from my credit report, as they remain unverified and potentially inaccurate. I respectfully ask that the CFPB intervene to ensure that Equifax complies with the Fair Credit Reporting Act and fulfills its legal obligations regarding consumer disputes. Additionally, I would like the unverified items to be removed from my credit report as mandated by law when verification is not properly provided. I appreciate your prompt attention to this complaint and look forward to a resolution. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 adverse item of information other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.
Product: Debt collection

I've been in contact with this company since receiving a demand letter in XXXX ( 2024 ). I requested debt validation documentation as required by the FCCPA. The request was specifically for a signed agreement or any other document that addresses the creditor 's right to the presumed debt and services rendered. The company failed to provide the information and escalated its effort to extort by filing a derogatory report with the credit bureaus.

Further, upon disputing the claim via the credit bureaus, the company certified to the bureaus that the debt was true and correct without providing the requested documentation.

The company continues its refusal to provide the requested information, acting in a malicious and predatory way.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate payment history and payment status reported on my account. According to my records, I have consistently made payments as agreed, yet my credit report reflects a history of missed or late payments and an inaccurate status indicating delinquency. This information is incorrect and does not accurately reflect my account history, which is fully compliant with payment terms. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy in reporting. I am requesting an immediate investigation and correction of my payment history and payment status to accurately reflect my timely payments.
Product: Credit reporting or other personal consumer reports

Dear madam/sir, I am writing you to report the company XXXX XXXX XXXX ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, the vendor that installed a home air-conditioner in 2017, told my husband and me to sign a document for GreenSky, only to see whether I could qualify for a loan. I indicated that I did not need a loan and that the air conditioner would be paid for in cash. Per agreement, the bill was paid in cash. Apparently, the company proceeded to take out a loan with GreenSky without my consent or authorization. I was unaware of this until recently, when I applied for a credit card through my local bank who was having a special promotion. They informed me that I had a " serious issue '' and advised me to obtain my credit report from XXXX. I did so and discovered that there was an unpaid loan amount from GreenSky. Apparently, the loan was given to the vendor, XXXX XXXX, without my knowledge or consent. Although numerous attempts have been made to obtain any verification of my ever having authorized submission of a loan application through GreenSky, they have been unable to do so, because I never signed a loan authorization. This is the only blemish on my entire credit history, but it has had a significant impact on me and has maligned my otherwise perfect credit reputation.
Product: Credit card or prepaid card

My soon to be ex husband XXXX XXXX is responsible by temporary orders to pay the US Bank credit card minimum payment balance monthly. He has stopped making all payments, just to put me in financial distress.
Product: Mortgage

My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report. My XXXX XXXX account shows Equifax block receiving updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 r
eport 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 or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information has not been removed after after nine years of been their income information is incorrect and does not show that it has been properly handled
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  : Account Number : XXXX 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: Prepaid card

Called to check balance information and a recording said my card was, then transferred me to an operator I couldn't understand most of what she was saying because of a language barrier. Who proceeded to ask me security questions which I answered correctly except for one, my password. I forgot I had changed it and gave her the old one. And she replied I gave her the wrong code and told me I would have to go to my local Social Security office and show a valid picture ID of who I was. Which I can't do because I'm XXXX and ca n't drive or own a car. I live in the country not in town where I can just catch a bus or call a cab. And because I live so far out my phone service is not real great and the call ended up being dropped. Tried calling back but after intering my card information I'm placed on hold for hours on end with no response from the company. Meanwhile still can't use my card to purchases anything or withdraw money from the ATM. Bill 's are still due and animals need to be fed and groceries to buy but can't.
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to tell you that I had not heard about any specific action taken by you to re-verify the items I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian continue to report this account improperly. This account is paid in full please update this account to reflect as such.
Product: Debt collection

XXXX XXXX XXXX is still charging me for XXXX services that the Veteran 's Administration ( VA ) was settling with them. I was seen for medical care XX/XX/XXXX and XX/XX/XXXX. Prior to my appointment in XXXX, XXXX called me that they received my referral from the VA. A few months later i was billed. I took numerous attempts with XXXX and the VA to have this fixed. It wasn't until I complained to the VA Inspecting General that the VA worded to get these medical bills. The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX office was not helpful and for some reason they lost the referral. Some time this year, I was told by a VA representative that the medical debt collects would be removed from my credit report and bills were settled between the VA and XXXX. The VA representative even had me call Credit Control Corporation to give them permission to allow the VA representative to speak with them o. My behalf. I received a letter from Credit Control Corporation to pay for two visit that the stated would be settled with XXXX.