23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am selling my home under a VA loan assumption with an interest rate of 3.375 %. Mr. Cooper, who holds the mortgage, is doing next to nothing to follow through with the documents provided. 

My buyer is required to receive their loan estimate from Mr. Cooper within 3 business days of the servicer 's receipt of the initial assumption request. It can only be assumed that they have refused the application and refused to disclose a loan estimate even after giving them enough information to mandate disclosure. Additionally, they have refused to respond to any correspondence and are refusing to honor their obligation to allow a qualified assumptor to assume the mortgage. 

They are supposed to treat you like any other credit applicant and have an obligation under Fair Lending and ECOA to disclose, process, qualify, and close the same on an assumption as a regular loan and they are actively not doing so.
Product: Credit card

I am writing to request an investigation of the following information that appears on my Credit Reports. I have NEVER opened or used the following account name : XXXX XXXX XXXX Account number : XXXX Account open : XX/XX/year>. I dont recognize the following accounts in question. Im a victim of identity theft and I dont know this account on my report. Im requesting the following information be deleted from my Credit reports immediately.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed several inaccuracies on my credit report.This account is hurting my my ability to obtain credit. I'm requesting Equifax to remove the following outdated information from my credit report. 
XXXX services account XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 years depending on the type of information. In my case, the information in question expired as of [ XXXX XXXX XXXX XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Product: Mortgage

I'm trying to qualify for a mortgage in Tennessee, and every one of about a dozen lenders have refused to follow either of this section of Handbook 4000.1 : A Title II Insured Housing Programs Forward Mortgage ( I ) Rental Income ( Manual ) II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT A. Title II Insured Housing Programs Forward Mortgages 5 Manual Underwriting of the Borrower b. Income Requirements ( Manual ) Effective Income Definition ( I ) Rental Income ( Manual ) ( 3 ) Rental Income from Other Real Estate Holdings ( Manual ) ( c ) Calculation of Effective Net Rental Income ( i ) Limited or No History of Rental Income To calculate the effective net Rental Income from other real estate holdings where the Borrower does not have a history of Rental Income since the previous tax filing, the Mortgagee must deduct the PITI from the lesser of : the monthly operating income reported on XXXX XXXX Form 998, or 75 percent of the lesser of : fair market rent reported by the Appraiser ; or the rent reflected in the lease or other rental agreement. 

Every lender calculates income by using ONLY the total amounts reported for each tax year. For example, a property that brought in a single {$200.00} rental payment in XX/XX/XXXX, and has been re-leased for {$500.00} a month in XX/XX/XXXX, shows up as {$12.00} a month in current income considering a 25 % vacancy factor : ( {$200.00} / 12 x .75 ). 
All rental income has been reported to the IRS for the past ten plus years. Including the recently established rentals on  properties owned for years, and it now generates gross rental income of {$5000.00} per month ; but no lender will count more than {$1500.00} of it.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent off my investigation letter to ensure my credit report was accurate. 

The Credit bureaus stated these accounts were properly investigated ; 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  ) but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Checking or savings account

Im extremely concerned because its the same time happening in less than 3 months that Bank of America hold my funds with the excuse the policy when its the same check company for more than 3 years this its concerned me like a costumer why Bank of America its holding costumer funds for so long when we trust to deposit our money in their bank, I demand Bank of America release my fund immediately oh I escalate this situation
Product: Debt collection

Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!
Product: Credit card or prepaid card

On XX/XX/2023 I received a call from Macy 's informing me that my credit card account was overdue. I explained that I did not have a Macy 's card. They informed me there was about a {$1400.00} balance on a card opened XX/XX/2023. When I logged into my credit reports, sure enough it was on the all three credit services. I disputed the charge with Macy 's and opened a fraudulent claim, contacted all three credit report services and disputed the newly opened line of credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Accounts and Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of charge-off accounts on my credit report. Specifically, these accounts have been incorrectly classified as open despite being charged off, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

According to the FCRA ( 15 U.S. Code 1681s-2 ), creditors are required to report accurate and complete information. A charge-off account can not remain classified as an open account, as this misrepresentation severely impacts my creditworthiness. Additionally, I am demanding the immediate removal of all late payments associated with these accounts, as continued reporting of delinquency on an account that has been charged off is unlawful and misleading.

This inaccurate reporting has already caused me significant harm, including loss of employment opportunities and financial hardship. As such, I am demanding the following actions be taken immediately : 1. Remove all charge-off accounts that are incorrectly reported as open. 
2. Delete all late payment history associated with these accounts.

3. Remove these accounts entirely from my credit report.

If these errors are not corrected within the legally required timeframe of 30 days, I will have no choice but to pursue legal action against your company for willful noncompliance with federal and state consumer protection laws. I will also file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

I expect immediate action and a written confirmation that these errors have been corrected. Please consider this a final notice before legal proceedings begin. I look forward to your prompt response. 

The account in question are XXXXXXXX XXXX XXXX thats reporting late and charged off. Please remove - Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
Product: Credit reporting or other personal consumer reports

I have been trying to login to Equifax to unfreeze my account, however I can not get logged in. I have been on the phone with support twice. Each time they tell me that someone will call. Its been a couple of weeks since my last call to them and I have not heard back. Still cant login. 

This is causing me to not be able to prepare properly to get a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is Equifax still consider a reputable reporting agency when it allow a massive data breach. Equifax, XXXX   and XXXX are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft, and my XXXX account was taken over from XX/XX/XXXX to XX/XX/XXXX by the thief. During the time there were several transactions from my account to VENMO XXXX and the transactions have my name in the description and the same CO ID. Thus, I doubt there may be an account in VENMO in my name. 
On XX/XX/XXXX, I tried to call the VENMO fraud service to investigate these transactions and check whether the VENMO has accounts in my name. The agent said there was a verification process and asked me to follow it. He asked me my name, address, DoB, and my debit card information. After collecting my debit card information, he said the system does not accept this card, and asked for my credit card. I followed. Then, I found each card was charged {$1.00} from PRIVACY LOCKDOWN. Luckily, my bank sent me a notice and I denied the transaction.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX XXXX is not mine authorize user card
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report XXXX : XXXX, dated XX/XX/year>. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer reports from XXXX, Equifax, and XXXX. I noticed that one or more is reporting my customer experiences. 

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer. 

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Checking or savings account

On XX/XX/2023 there was an unauthorized debit in the amount of {$11000.00} was debited from my account. To date chase was not credited my account nor have they explained why they haven't nor have thy explained how it occurred. Further an additional debit in an amount over {$10000.00} was attempted on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about the late payments on my account. This happened around the beginning of covid-19 where I missed a payment and they reported it. By law, the payment was incurred due to the coronavirus outbreak and I was unable to make the past payment.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several mistakes, especially regarding late payments. These are inconsistent with my payment history. Please update my account with the corrected information. Thank you!
Product: Credit card or prepaid card

I paid my balance down to within {$100.00} from a balance that was {$2300.00} in XX/XX/18 with the XXXX XXXX XXXX XXXX XXXX. As soon as I paid the balance down, they lowered my credit line to {$300.00} with no explanation at all. I had tried to purchase something and it kept getting declined to I logged in to the website and saw this and was shocked. No email, no phone call, nothing explaining why. I can understand declining it a few hundred dollars maybe, but a {$1900.00} decrease? That is beyond XXXX.
Product: Vehicle loan or lease

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and XXXX immediately.
Product: Vehicle loan or lease

I am writing in today since I am so upset by this. I had an account with Ally Financial Account # XXXX I had extended the lease for two months making the additional two months payments without any issues. Once the vehicle was returned I got a bill of {$1000.00} for every day the lease was not given back claiming that a document was never signed for the extension. I argued back and forth yet I wasn't getting anywhere and didn't want this to impact me anymore I agreed to a settlement yet was never informed the impact it will have on my credit report. 

They should have never taken the monthly payments for the lease. How does it work a bank just takes funds without allocating them. Also when they agreed to take my money yet again they failed to inform me the impact it will have even tough it is completely false information which is being provided.
Product: Debt collection

I made a purchase for {$800.00} to Comenity Bank Using my XXXX account. 5 days before the bill was due I received a statement in the mail so I went online but was unable to access my account. 

Access to my credit card account on-line is almost always non-existent. You can't see your transactions, balances, rewards, or anything. It always says " a technical error has occurred ''. When you try to change a password it says there was a technical glitch. This happens over and over and over again. Call Customer service and they just tell you management is aware there is a problem. The real problem is that this reoccurred for 3 days constantly! Nevertheless I finally get a customer service representative on the line 3 days later and explain what's going on and she advises me that I have 2 separate accounts and the one closed was the one I was trying to log into!! To my surprise I explained that I had used the card have a statement and had been unable to make payment. The representative apologized and accepted my payment by phone ( I recorded conversation ). She said as a 1 time courtesy she would waive the late fee and interest due to problems I had accessing the account. I decided to close the account and pay the bill in full right then {$800.00} XX/XX/2022. 

Fast forward 30 days and I receive a statement from Comenity Bank for {$40.00} indicating it was for a late fee. I immediately called them and explained that it was waived by their representative and they told me that they can not waive a late fee on a CLOSED account. I explained that I had closed it myself and again they said it was a valid late fee. They reported this {$40.00} late fee as seriously delinquent 30 days past due on my credit report!! Fast forward 60 days and now I owe {$110.00} for all interest, late fees and this is illegal!! 

Comenity Bank is not a bank. It seems to be a haphazard accounting system that charges {$2.00} interest for simply having the card, then compounds the interest monthly and sends a {$40.00} late fee at regular intervals with a threat that this matter will be turned over to a credit bureau. 

I have received a downgrade from another creditor ( XXXX XXXX ) in writing because they stated adverse information on my credit report.