23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We just closed a house with Pentagon federal credit union yesterday ( XX/XX/2022 ), we have been very frustrated with the whole process. The loan officer whom we worked with, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) was incompetent and rude. She made a mistake locking the mortgage rate for us for only 30 days, days before the listed closing date. And then she charged us for a fee for the rate extension. In her email, she told us that we will be receiving a credit, so we don't have to pay the fee ( email attached ). However, we never received the credit. 

She sent us multiple closing disclosures with errors. The night before closing day, we still didn't see the credit being added. She said she was going to fix it in the morning of closing day, but she never did. We called her multiple times and left messages and emailed her many times, still couldn't get hold of her. She just disappeared. We decided to just go ahead with the scheduled closing in the afternoon and solve this later. After closing, she sent us an automatic " Thank You '' email, but never responded to our multiple requests to solve this problem. Normally, loan officers will walk you through the closing disclosure and explain to you the numbers, but XXXX never did anything like that. We had never been able to talk to her over the phone. She kept sending us documents with errors and we had to check it all the time. It was a very frustrating and stressful process. 

Whats worse, the loan processor who worked with XXXX has requested the same documents again and again, even 2 days before closing. We had sent them XXXX documents in total and had to go through a conference call to prove that we paid mortgage for our current house ( we literally thought it was a scam call ). My husband and I both have credit scores of XXXX, we autopay our mortgage. The level of scrutiny on their part and the lack of professionalism is unfounded in the mortgage lending industry. 

We don't know how other loan officers at PenFed are, but we've had a horrible experience. We will not use PenFed for any mortgage needs in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes with the supporting documents through Experians dispute portal. The dispute is against ally financial who is reporting an account that was opened illegally. 
I submitted the identity theft report as well as the evidence that ally financial created a fake contract with a forged signature. I submitted the evidence and Experian informed me in a recorded conversation that they DO NOT look over anything I submit. They ONLY send it to the reporting company. Experian informed me that the reporting company is the only one who investigates and makes any decisions. Experian told me that it does NOT matter what I provide, EXPERIAN WILL ALWAYS TAKE THE COMPANYs WORD OVER MINE. 
Experian has been told in writing on many occasions that this a direct violation of my FCRA RIGHTS. Experian has a responsibility to properly conduct an investigation and to throughly review all of the evidence I submit. Experian refuses to follow the law and remove this fraudulent account from my credit report. Experian is harming me by allowing a company who report fraud without providing evidence. Experian is harming me and my reputation by failing to protect my consumer report from companies that abuse consumers. Experian is abusing me and causing me distress every time they dont follow the fcra laws. Experian caused me great anxiety when they told me that they will not review any documents I submit. 
My disputes ARE SPECIFIC. 
My COMPLAINT is SPECIFICALLY in regards to XXXX fraudulently reporting on my consumer report and Experian allowing them to after Ive submitted the proof that they are lying.
Product: Credit card

When I was unable to finish making interest-free loan payments and advised them, the company doubled the amount that I owed and would not provide any alternative payment plan. Instead they sent me emails. I told them to cease and desist and gave them 2 notices which they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and I have received letters from consumers that Accounts will be removed from all credit reports, but when I look at my Experian they are still reporting accounts that I was informed my merchant is removed, I have wrote Experian no response I have tried calling Experian I cant ever reach a live agent please have Experian to remove all degrogatory accounts as XXXX and XXXX did ... such as XXXX, XXXX, XXXX, XXXX XXXX and so on
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$5100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$13000.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$600.00}
Product: Checking or savings account

On XX/XX/year>, at approximately XXXX and XXXX my account was logged into from a foreign device and transferred all my money to my checking account and then was emailed to two separate email addresses. first emailed to ( XXXX ) Totaling in {$2000.00}. Then emailed to ( XXXX ) for {$1200.00}. 

When opening a dispute, the company in question, which is Chime, had denied my dispute within a few days Mutiple times. I logged in and took action on this matter within 30 minutes of it accruing and was still denied.
Product: Payday loan, title loan, personal loan, or advance loan

I had an employee loan with BECU. I quit the position, got ill for several months an contacted them at different times. I had called to make payments. Regular agents can't take payments from me and they said they would have managers call me back which happened on occasion and irregular payments were made. There was twice I called - I don't have the dates- to make payments and the regular agents couldn't take it and referred to a manager who didn't call me back to take it. Now they have the account charged off. I accept responsibility for it being late and never asked for any fees to be removed.
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX  XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX  XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX  XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}
Product: Credit reporting or other personal consumer reports

This is now my second complaint against Equifax. They refuse to resolve this issue and delete inaccurate and misleading information off my credit reports despite me showing proof that this is misleading and that the debt collector did not validate the debt nor provide me proof of them legally owning the debt. 

Upon checking my credit reports with Equifax and in XX/XX/XXXX, I discovered a collection account had been placed under XXXX XXXX XXXX XXXX XXXX Looking the name up, I discovered this was a debt collector/debt buyer. I was never notified of this alleged debt by XXXX XXXX or XXXX, nor was I provided proof that it was mine. I contacted XXXX XXXX XXXX by mail on XX/XX/XXXX and requested validation of debt and that this be deleted from my credit report. XXXX failed provide me with the original purchase agreement that shows that they or XXXX XXXX legally own this alleged debt and that it is my debt. It was placed on my credit report and after receiving no validation On XX/XX/XXXX, I contacted the XXXX credit bureaus ( XXXX, XXXX XXXX and Equifax ) for removal of this misleading data. Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. I provided Equifax proof that I sent the collector a letter requesting the original purchase agreement of which they did not provide and that the collector did not remove it from my collections. After 30 days, Equifax did not provide me with a true explanation or investigation. They just said this item is verified with no proof that it is mine. 

XXXX XXXX has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because XXXX XXXX does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give XXXX XXXX  legal permissible purpose per FCRA. 

This is misleading data on my credit report ( s ) and Ive shown proof to Equifax and they did not remove it from my credit report.
Product: Debt collection

I have a collection on my credit from XXXX for {$120.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( XXXX ) law grants credit bureaus XXXX days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within XXXX days, theyre in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

The company ( Truist Bank ) closed my business account ( XXXX XXXX XXXX ) and didnt send my available funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an XXXX XXXX - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous
Product: Debt collection

I am writing to formally dispute inaccurate information that both TransUnion and XXXX XXXX  have reported on my credit report. These inaccuracies have significantly impacted my credit score and have caused undue hardship.

Please remove the inaccurate information from my credit report and send me an updated copy of my credit report after the corrections have been made. Additionally, please send a confirmation letter to the addresses listed above once this issue has been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.
Product: Debt collection

Debt went through foreclosure. Debt is more than 7 years old. Instead of company removing from my credit report. Company keeps selling debt to " other '' companies and putting it back on my credit report as a new debt.
Product: Credit card

I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXXXXXX XXXX  : {$1700.00} ; XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$40.00} ; XXXX XXXX XXXX : {$96.00} ; XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX : {$10.00} ; XXXX XXXX XXXX XXXX {$75.00} ; XXXX XXXX XXXX : {$21.00} ; XXXX XXXX XXXXXXXX   : {$80.00} ; XXXX XXXX XXXX  : {$210.00} ; XXXX XXXX XXXX XXXX {$31.00} ; XXXX XXXX XXXX XXXX {$310.00} ; XXXX XXXX XXXX XXXX {$28.00} ; XXXX XXXX XXXX XXXX  {$570.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXXPhone : XXXXEmail : XXXX Subject : Formal Complaint Against Experian for Non-Compliance with FCRA and CFPB Consent Order Dear Consumer Financial Protection Bureau , I am filing this formal complaint against Experian Information Services for their failure to conduct a proper investigation regarding disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting a formal dispute on XX/XX/XXXX, and providing clear documentation of reporting inaccuracies, Experian has failed to take any corrective action. 

Background of the Dispute On XX/XX/XXXX, I submitted a formal dispute to Experian, citing multiple inaccuracies on my credit report. I specifically requested verification or deletion of the following accounts due to inconsistencies, errors, and non-compliance with FCRA and IRS 1099-C charge-off reporting requirements : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Despite the 30-day timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian failed to conduct a meaningful reinvestigation. Instead, they responded with a generic statement affirming the accuracy of the disputed information without providing supporting documentation or a clear methodology used in their investigation. Additionally, my updated Experian credit report from XX/XX/XXXX shows that no changes were made, proving their failure to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX/XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to Equifax, they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion to have unauthorized Hard Inquiries removed from my credit report.
Product: Credit reporting

Open date of XXXX account is incorrect an I request a deletion of the entire listing
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased my leased vehicle from Hyundai Motor Finance. Since then I have been trying to get title transferred to my name. XXXX has made multiple mistakes processing the XXXX paperwork and has essentially ignored my phone calls and emails requesting they fix these mistakes. To date, XXXX has not sent me the XXXX of XXXX. 

In XX/XX/XXXX, I began the Vehicle Title Transfer process with the California XXXX. 

On XX/XX/XXXX, the XXXX informed me that they needed XXXX to complete the Statement of Facts stating taxes were paid, the amount paid and when, and their CA tax ID number. 

On XX/XX/XXXX, I called Hyundai Motor Finance regarding the XXXX 's above requests. A representative informed me I would receive a letter with everything the XXXX needed. I never received anything. 

On XX/XX/XXXX, the XXXX informed me that XXXX incorrectly filled out the California XXXX of XXXX which was missing the company endorsement stamp. 

On XX/XX/XXXX, I called Hyundai Motor Finance to tell them about the XXXX issue. The representative gave me an email address for the titles department ( XXXX ) and I sent a detailed email explaining my situation. 

On XX/XX/XXXX, I received an email response from XXXX XXXX at XXXX 's XXXX Department asking me to email a copy of the title showing proof of error. I did so the same day. 

On XX/XX/XXXX, I emailed XXXX XXXX again because I hadn't heard back. 

On XX/XX/XXXX, the XXXX Department gave me a mailing address where I could send the title to get it corrected. 

On XX/XX/XXXX, I mailed the Certificate of Title along with a cover sheet to XXXX 's XXXX Department via XXXX. I emailed XXXX with the XXXX tracking number. 

On XX/XX/XXXX, XXXX delivered the XXXX to XXXX. 

On XX/XX/XXXX, I emailed XXXX to ask for confirmation of receipt of the FedEx package. I did not receive a response. 

On XX/XX/XXXX, I again emailed XXXX but again did not receive a response. 

On XX/XX/XXXX, I called XXXX to make a complaint. The XXXX  person I spoke to told me there is no XXXX Department. I asked to speak to a XXXX who told me he couldn't give me the phone number to the XXXX Department. I told him I was still waiting for XXXX to send me the completed Title and necessary paperwork. He filed a complaint on my behalf and told me it should take XXXX days to get corrected. 

To date, I still haven't received the corrected California XXXX of XXXX and title still has not been transferred to my name.
Product: Checking or savings account

I had a charged off account with Navy Federal back in late 2023. They took out funds from my checking account a couple times then discontinued from taking funds out. They reported the credit cards as charged off it shows on all my credit files. Now two years later they took more money out of the account and said it was for the charged off credit cards but have not updated any changes on my credit files. If they are allowed to keep taking money out of my checking and savings account with they did, why are they not required to report any changes to that account with the credit bureaus? I don't know what to do because they will not give me back my money and will not report the amount that they have taken from me as a payment on the charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagstar ( www.flagstar.com ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by Flagstar on XX/XX/2022 ). Despite me providing proof of payment to Flagstar by Email on XX/XX/2022, XXXX XXXX  EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), Flagstar still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.
Product: Credit reporting or other personal consumer reports

I have identified information on my credit reports that is the result of identity theft. The item is not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX By law, they have 4 days to correct this, not 30 : 15 USC 1681 ( C ) ( 2 ), related to blocking of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mixed my data with my twin brothers once again XXXX. Thought we had it solved in XXXX, then again in XXXX, XXXX and the issue pops up again. His mortgage, truck loan, credit cards are showing on my report and mine on his .... basically doubling my debt and thus lowering my credit score plus gives trouble for me dealing with lenders.Ive already invested countless hours with this issue over the years and equifax continues to neglect their responsibilitys and continues to not permanently solve the issue.
Product: Checking or savings account

I opened an HSBC account in XX/XX/XXXX and by XX/XX/XXXX I was advised by HBSBC bank that they are going to close the account and send the funds to me within 10-15 business days. It has been almost 3 months and i still haven't received my funds. I have contacted them on numerous occasions asking for an update/resolution however nothing is being done. I went to their branches and they refer me back to customer service which refers me back to branch. On XX/XX/XXXX I contacted them again asking for an update and i was placed on 45 minute hold after that call was disconnected. There are over {$1400.00} funds in my account and i can not access them for some reason and this is has been extremely frustrating. HSBC bank isn't telling me anything nor providing solutions. I need someone from HSBC to resolve this matter and give me my money bank.