23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were verbally denied for XXXX. After requesting information regarding the denial over the phone we were told that any request for information would not be granted unless it was written request. We have since made several written requests regarding our XXXX denial, the status of the modification and mistakes we found on our loan in XXXX 2016. We never received any information we requested or any corrections to the mistakes on our loan. We have followed up those written requests with other letters that have also been left unanswered since XXXX 2016 - it is now XXXX 2016. Our mortgage servicer via telephone says it can not answer the questions that we have asked and we have to wait for written answers to our inquiries even if we are well outside the allotted 60 business days they say we should receive our answers in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
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 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: Student loan

XX/XX/XXXX : I submitted my documentation and my loan was approved, confirmed the money should be sent to XXXX XXXX XXXX servicer for private loans and NOT to XXXX for federal loans, made sure documents showed where to send check to, confirmed check should be sent to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX : received an email that loan payoff was sent to XXXX, not XXXX. Contacted them via chat and Earnest said XXXX is serviced by XXXX, so the check would need to be sent there XX/XX/XXXX : {$15000.00}, check was disbursed and sent to servicer XXXX XX/XX/XXXX : reached out to Earnest via email to let them know that XXXX is not serviced by XXXX and they sent the check to the wrong place, I confirmed this with XXXX Between XXXX XXXX I chatted and emailed with many people who told me they would cancel the check and reissue to the right address and servicerXXXX XXXX 

XX/XX/XXXX : XXXX said check was sent to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, I replied to the email and said XXXX is not the servicer and payment should have been sent to XXXX  but got no reply XX/XX/XXXX : chatted with virtual assistant who said to chat back during the week XX/XX/XXXX : email from XXXX who spoke with XXXX, a rep I was previously working with, She said XXXX would be returning the check so they could reissue the check to XXXX, she also acknowledged I submitted my documentation showing the XXXX loan details and payment address XX/XX/XXXX : XXXX reached out to me via email saying she confirmed her treasury team did send the check out incorrectly and it is their mistake, they are working on a resolution and will defer my payments, confirmed it may take some time, she will be my point of contact until this issue is resolved XX/XX/XXXX : sent XXXX an email stating that XXXX applied the check that Earnest sent them to my account so the payment is probably not being returned, I emailed XXXX to ask them to return funds as well XXXX later replied to my email letting me know she escalated the issue and they are still waiting for the funds to be returned, said once they have the funds back they will disburse it to XXXX XXXXXX/XX/XXXX : emailed to thank XXXX for her help XX/XX/XXXX : XXXX emailed with no updates and money had not been returned XX/XX/XXXX : I emailed XXXX asking for an update and asking if they can issue a check to XXXX in the meantime, as this was not my fault, XXXX said she'd reach out to her leadership team about a resolution XX/XX/XXXX : I emailed XXXX asking for an update and expressing I no longer want to work with them because their mistake has taken 2 months and is still not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continue to report information to credit bureaus past legal reporting period as per New York State.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Corporate Office, XXXX XXXX XXXX, and XXXX XXXX XXXX representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the 3rd party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts open dates are not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate. 
Ive sent several letters on XX/XX/2024 asking them to reinvestigate these accounts No response nothing was modified. 
So I requested a description of the reinvestigation and they do not provide itbto me which is a violation of 15 USC 1681 -17
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue concerning identity theft that has affected me. Despite numerous attempts to rectify the situation with the credit bureaus, my requests have been ignored. To date, XXXX has been the only bureau that has responded and taken the appropriate and correct measures. 

I have written to both TransUnion and Equifax three times, providing all necessary documentation, including the identity theft affidavit and complaint. I have previously submitted this information to you in a previous complaint. However, they have failed to take any action to address the derogatory information on my credit report resulting from the identity theft. They are both still reporting inquiries that I did not authorize and accounts that do not belong to me. Please refere to the previsous filing As a victim of identity theft, I am deeply concerned about the potential consequences this may have on my financial well-being and creditworthiness. I urge the CFPB to intervene and ensure that the erroneous information is promptly removed from my credit report. 

I kindly request that you investigate this matter and take the necessary steps to rectify the situation as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I contacted them many times but they are not responding to my calls, I want to remove this account from my credit report.
Product: Credit card or prepaid card

I can't log-in to my account & I looked up the bank & many maybe almost all that complained about them & /or their number/s was about them constantly calling them like auto/robo-calls saying to just call them or press a number just like scam numbers. I've tried emailing them telling them I couldn't even log-in to my account & they didn't say anything in the reply email when I contacted them on the website but to call them! I didn't know almost a year ago that it was near the limit ( since I couldn't log-in & check it ), yet the store said it was okay/accepted to use ( charge ) the card for a purchase maybe around {$100.00} or {$80.00}, it didn't refuse it & bounce it back ( as a more professional/ real bank would do ). They charged the amount making it over the limit ( by around {$20.00} before the monthly fees & other ) & then started the increased monthly charges & increase of every fee so either magically pay ( now ) over {$300.00} AT THE END OF THE MONTH ( when majority of humans that get monthly/weekly payments DON'T have money ) or keep getting these 5 or 6 robocalls DAILY. I also noticed once it went over the limit I also started " suddenly '' getting SCAM/spoof CALLS also ( daily )! Clearly they either also sold my number to cam artists/sites & /or are SO irresponsible their site got hacked & my info ( mostly my phone number/s ) was sold to scammers.
Product: Credit reporting or other personal consumer reports

I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies.

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXXXXXX XXXX XXXX  that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from XXXX that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA
Product: Debt collection

I am a consumer XXXX XXXX. My privacy continues to be violated by CAPITAL ONE who is deemed a financial institution pursuant to the XXXX XXXX XXXX XXXX. CAPITAL ONE did not give me the disclosure to opt out of credit reporting which is optional for myself the consumer. CAPITAL ONE is reporting and communicating false debt that I do not owe to third party agencies. I have demanded that CAPITAL ONE cease reporting my private information immediately. I also demanded that CAPITAL ONE give documentary evidence of the alleged loan that CAPITAL ONE says they gave me. This demand includes all documents, papers, correspondence, books of accounts, and financial and corporate records from CAPITAL ONE. CAPITAL ONE refuses to give me the consumer how they gave me an alleged loan. CAPITAL ONE 'S actions are causing me significant harm and damages and financial hardship. CAPITAL ONE does not have consent to share my private information. I am not obligated to pay them this alleged debt as a consumer.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Dealing with the Post-divorce litigation, through the subpoenaed 53rd Bank records of my ex-husband, I have come to learn that the IRS refund check n the amt. of {$3400.00} on XXXX was deposited into his PERSONAL acct. without my knowledge, presence and endorsement. 
Deposit was made by my ex-husband 's wife. She's signed it " Deposit only '', and deposited it into HIS PERSONAL account. She perfectly knows who I am, and that the check must have been endorsed by me, and it would have to be a " Joint acct '' of me and my ex-husband ( it is NOT ). 
53rd Bank has failed to adhere the rules, and accepted the deposit. 
I have called the 53rd Bank branch, who accepted that deposit, and talked to the personal banker, who told me to call their Dispute and Legal Dpt. I've tried to contact 53rd Bank Dispute Dpt., but did not get any help from them - I have been transferred several times and talked to several people, at the end telling me to go to the branch and deal with the manager, who I've set up the appt. with on XXXX. 
Please, HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax to remove fraudulent inquiries on my credit profile and they wrote back they these items are not reporting on my profile. I went on both XXXX and XXXX and I see that these items are still reporting on my profile. 

I have attached the response I received from the bureau saying that these inquiries are not reporting to my profile, but they are. I request that they be removed. 

Due to this being my second time reaching out to Equifax to remove these accounts I ask that the CFPB due their due diligence to assist me with the issues at hand. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was being harassed by neighbors at XXXX XXXX in Arizona ; for example, they would XXXX XXXX XXXX on me knowing it triggered serious fear. 

I began documenting and reporting the the abuse with photos. 

They said the photos violated my rental agreement and proceeded with an eviction. 

I was not allow to contest the eviction because I was removed from the courthouse by a XXXX XXXX Sheriffs Deputy. 

I was removed from my home and, it would appear, they proceeded to charge me the rent until it was occupied by another tenant. 

They are using the credit report system to enforce a breach of contract dispute. They should have filed a lawsuit stating I breached the contract. The eviction ruling is not a ruling on the contract. 

Please help me.
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : XXXX  XXXX XXXX - Account # XXXX ( Balance : {$2200.00} ) XXXX XXXX - Account # XXXX ( Balance : {$1500.00} ) XXXX - Account # XXXX ( Balance : {$1000.00} ) XXXX  XXXX XXXX - Account # XXXX ( Balance : {$380.00} ) XXXX XXXX XXXX Account # XXXX ( Balance : {$1600.00} ) Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement.

Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file. 
Notify the furnisher that the item has been modified or deleted. 
Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately.

Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accurate and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.
Product: Mortgage

I had to payments deposited into my Bank of America mortgage escrow account. The amounts are as following : {$52000.00} and XXXX. Bank of America employees told me that since there is a credit/overage that I would receive the funds. I still haven't received the funds.
Product: Credit card or prepaid card

Capital One secured credit card Made a payment of {$250.00} from my primary checking account on XX/XX/22. It was immediately taken from my account. I waited XXXX  days, called capital one & asked why it had not been applied, & I was told there was a waiting period because just weeks before that XXXX of my payments was returned >> I was told it had to be held for XXXX business days >> I called XXXX  days later, then I was told it would be available the next day. At that time, I asked to speak to a supervisor, w the same answer. I called the next day, was told XXXX more day, spoke to a supervisor again, was told I had to do a XXXX way bank call to verify ( which I did ) absolutely unacceptable! They basically had my money to use for their needs for over a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and EXPERIAN Disputed Item 1. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from XXXX source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the XXXX XXXX XXXXXXXX as a former XXXX XXXX XXXX