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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Due to a medical issue this year, I had a struggle to keep up with my mortgage payment with Ditech. I called on XXXX/XXXX/2015 to bring it current. In order to get the payment made over the phone or online, a {$12.00} convenience fee is charged. My other option of payment, to avoid the fee, would have been my bill pay. That option would not have gotten the payment posted in a timely manner. I asked for their fee to be waived, but was denied. I explained to the person I was speaking with, XXXX XXXX XXXX XXXX ext, XXXX ), that the fee was high, considering I was trying to catch up on time. I asked how much time I had if I chose to use the bill pay option. I was told I did n't seem to understand my critical situation and I was taking a " XXXX '' attitude towards my responsibility. I had more questions, but did not feel comfortable at that point talking to this individual. Sometimes persons with the best intentions fall on difficult times. I wanted to seek assistance, but now do not know where to turn.
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of XXXX XXXXXXXX. These fraudulent accounts consist of 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: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : 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 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: Debt collection

On XXXX XXXX, 2015 XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by 2 of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.
Product: Student loan

Somehow my account with Nelnet had an email address associated with it that was not mine. I spent XXXX hours on hold for them to explain to me they didn't know why it was there. They had no info on who or when it was changed, or how much of my personal data was sent to this email address. This also caused my payment to be late, as the last email I got was inXX/XX/2022 and it was stating that my loan WOULD NOT be sold to Nelnet ( which it later was ). I only found out about it because I heard something on the radio about student loans. The person on the phone also told me to pay the over due amount so it wouldn't get sent to collections - from what I've read online since then, I should not have even had to pay that, let alone the interest and late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Product: Credit card or prepaid card

I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.
Product: Credit card or prepaid card

This purchase was made to an overseas merchant for 3 items in which I did not authorized, After, constant attempts to reach customer service in this matter ; I have been unable to reach anyone to remedy my dispute in this matter. There is an large balance from funds that again I did not authorized. Further, I filed a dispute and PayPal dismissed the dispute as not eligible for reimbursement with this transaction. In which the merchant is non responsive and have not replied to any request in reference to this transaction and remains unavailable. The purchase was made on paypal platform, I did not authorize any payment in this amount or for 3 XXXX XXXX  from an overseas merchant. In addition, I have previously filed with this agency about unreleased funds being held for merchandise sold on XXXX  where the funds are being held by paypay past the time frame mandated in its disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in home invasion where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also XXXX XXXX XXXX XXXX  from Home invasion as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.
Product: Debt collection

XX/XX/XXXX I sent a certified letter XXXX to Bonneville. They never responded to multiple requests for verification of the alleged debt. I have not resided in Oregon in over 8 years. on XX/XX/XXXX I sent a second follow up letter demanding that the inaccurate unverifiable account be removed from my credit. no response yet Bonneville continues to maintain this disputed account on my credit report. I contacted XXXX XXXX XXXX to inquire about such debt and was informed they were unable to locate any account in my name. Only one with my mother 's name with her former address from back in XXXX. I do not owe any such debt and have been continually ignored. this account should not be on my credit report as it violates Federal laws and no proof exists.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit.
Product: Checking or savings account

XX/XX/year>, Huntington Bank closed all our bank accounts. 9 accounts in total. Business & Personal. They never even told us why they did this. We still have never received notification in writing regarding our account disclosures signed with them. 

When I questioned them on the reasons and reminded them about not being given notice per our account agreement, they quit responding to my questions. 

To make matters worse, they took deposits but would not pay any of the ACH Payments in our accounts costing us over {$1000.00} in fees. 

Another issue, they refused XXXX payments to XXXX for a loan payment. I went into a branch to pick up the remaining monies in the frozen accounts. Since they closed all the accounts, we figured the nightmare was over. 

They went ahead on the XXXX payment and paid XXXX, harassed me nonstop for the {$2000.00} that went negative on a checking account they closed. But their incompetence for not closing this account. I had to go into a branch to make a deposit to this account per their direction. I was not allowed to mobile deposit or ACH Funds. 

Still no response to my questions. They would not even give me the persons name responsible for closing the accounts. I was just informed it was XXXX persons decision. 
We deposited over {$2.00} XXXX Dollars in 3 years at Huntington Bank. 

Any assistance you could provide would be greatly appreciated so no one else will have to go through what we went through. It took us over 100 Hours of effort to switch everything over to another financial institution. 

Thank You XXXX XXXX XXXX
Product: Mortgage

I have contacted Wells Fargo multiple times regarding this and have received multiple answers, each different. We were told at our closing that we would have to pay PMI on our loan until we reached a certain loan to value based on the outstanding balance and the current value of our home. We were never told that we had to wait a certain number of years and that the loan to value would be based on the value of our home at the time of closing, not it's current value. After all the improvements that we have done now count for nothing. Two years ago our home was appraised at {$240000.00} and taking that into consideration with our current balance of {$170000.00}, we are well below a loan to value of 76 %. I am filing a dispute against Wells Fargo and what I consider are deceptive business practices on their part and the part of the loan officer.
Product: Credit reporting or other personal consumer reports

I'm submitting to follow up on my previous complaint about inaccuracies in my credit reports. In the next 15 days, I plan to update my credit reports and want to bring to your attention the FCRA section 605b, which requires Credit Bureaus to remove any items listed in an identity theft report. I sincerely hope that Credit Bureaus will finally remove the remaining inquiries from my credit file. The inquiries in question are as follows : 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: Mortgage

I am looking for help with Wells Fargo. I had a mortgage with them over the last XXXX  years and think I should be eligible for part of the lawsuit. I no longer hold an account and need to make sure I see the corrections if they are deemed right
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates
Product: Credit reporting or other personal consumer reports

I've contacted Equifax multiple times to gain access to my credit report which is currently locked. 
I've reset the password multiple times on multiple devices. 
I've called in multiple times to request help from an agent. 
Each time I reset the password from my computer, I receive an error that my request can't be completed and to call a toll free number. 
Each time I reset the password using a mobile link, I receive the same error message. 
Each time I reset the password using a link generated from an agent, I receive the same error message. 
Each agent that I've spoken to has indicated that they are " escalating '' the file to the technical support team which has not contacted me to solve the issue in several weeks.
Product: Mortgage

Our owner occupied home was foreclosed on in 2011. We moved out in XXXX 2011. The foreclosed amount was {$730000.00}. Wells Fargo sold it for {$920000.00} within two ( 2 ) months. There was equity of over {$180000.00}. We have been asking for return of our equity and they have refused to pay us. We need help/guidance to get money refunded. We had done substantial amount of work to improve the property. We are entitled to our money. Thank you.
Product: Credit reporting or other personal consumer reports

I have opened disputes to disputes this and am not provided with the letter of notification Under 15 USC 1681s-2 ( a ) ( 7 ) they must provide prior notification to me before reporting to the credit agencies of their intentions.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should delete any incorrect accounts from my credit history. Can you check the documents? There are discrepancies in the reported accounts, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$930.00}, XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with for review or collection.
Product: Mortgage

We received conditional approval for a mortgage for a second home in XXXX Tx on XX/XX/2021 for the amount of {$250000.00}. Since then we have completed and submitted all of the required forms and information and just pending an appraisal in order to close. As of XX/XX/XXXX ( original closing date ), Bank of America has yet to secure an appraisal nor can they communicate when they would be able to. 

This has effectively put the entire transaction on hold while rates continue to climb. It's hard to imagine why Bank of America is unable to complete this basic step needed to close this deal.

My loan officer is XXXX XXXX, NMLS # XXXX XXXX, extXXXX I'm not sure if there is anything you can do but would appreciate any help with this matter that you could provide. 

Thank you and please let me know if you have any questions and/or comments
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 XXXX XXXX XXXX  Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Debt collection

Ancillary Refunds Not Applied : I was informed that {$1600.00} was applied three times in the ancillary product ( warranty ) refunds were applied to this account after my vehicle was sold at auction on or about XX/XX/year>. However, the deficiency notice dated around XX/XX/year>, does not reflect these refunds, resulting in an overstated balance of {$5700.00}. 
Discrepancies in Deficiency Calculation : The itemized breakdown lists Rebate of unearned insurance premiums and Warranty rebates as {$0.00}, contradicting the reported ancillary refunds. Consequently, the reported deficiency balance appears inflated and inaccurate. 
Potential Harm to My Credit : This incorrect deficiency amount may adversely affect my credit report. Under 15 U.S.C. 1681i, I have the right to dispute and request an investigation of any inaccurate information on my credit report.
Product: Debt collection

I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

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

I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Credit reporting or other personal consumer reports

I was a victims of identity theft from the XXXX data breach and my social security number and other personal information was leaked. I do no recognize this inquiry on my report and am requesting that it be removed from all three reporting agencies