23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.
Product: Checking or savings account

I opened both a personal and business deposit account with Citibank. Shortly after opening the accounts, I deposited a total of {$230000.00} through legitimate cashier 's checks. Approximately one month after the deposits, I attempted to use my debit card at an ATM, but it was declined. I then contacted Citibank customer service and was informed that the bank had decided to terminate both my personal and business accounts, without providing a specific reason. 

I was told the accounts would be fully closed in 30 to 60 days. Despite this, my online banking remains active, and all checks have cleared, with no returned transactions. However, my account is restricted, and I am unable to access the funds. 

Actions taken : Deposited a total of {$230000.00} in legitimate cashier 's checks ( receipt available ). 
Attempted to use my debit card, which was declined. 
Contacted Citibank customer service and was told that my accounts were being closed with no explanation. 
Was advised that account closure would take 30 to 60 days. 
All checks have cleared, and my online banking is still active, but the account is restricted. 
I am now seeking assistance to resolve this issue, expedite access to my funds, or understand how to reinstate my accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on XXXX XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23, XX/XX/23. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Someone transfered {$2400.00} from my chase account to XXXX XXXX account on XX/XX/2017. I filed identity theft report to XXXX and they have completed their investigation and closed the account. I never received the money back from XXXX. Chase claimed that XXXX never transfered the funds back, therefore, I am responsible for the money. Since then, it has been more than a year, I can not get the two banks to work together to resolve the issue. I still lose my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I am an affected person : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ] XXXX : [ TOYOTA MTR ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. Th
is error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not

comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

i was a victim of identity theft by a person who used to reside in my home and had access to my information it has been reported and flagged i tried to notify the company i saw on my collection for a credit card i did not use /have and they disregard me saying i meet the requirements of the charge and it will remain on my credit till i pay this off. i have done all the steps during this time and they are not willing to look into this matter to delete these fraudlent charges from my credit
Product: Checking or savings account

A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.
Product: Mortgage

I'm a XXXX. customer of Bank of America and have a Preferred Customer classification with BofA. On XXXX XXXX I started the loan process to obtain a loan for {$89000.00} to purchase a second home. I had already deposited {$22000.00} with my escrow company to purchase a second home. On XX/XX/XXXX BofA provided a loan estimate. I worked with their local credit solution advisor ( XXXX XXXX ). After several discussions with the bank, they told me the home I wanted to buy was too close to my existing residence. It would have to be an " investment property '' requiring the 20 % down payment with the escrow company. BofA quoted me estimated closing costs of {$6800.00}. After several more document requests and few answers why they considered my loan an investment property they up the closing costs to {$10000.00} for {$89000.00} XXXX. loan. My complaint is Bank of America 's online process provided little guidance on why they need so much documents, many they already have. And little explanation why they changed their original estimate and up the costs. They also quoted me and obtain an appraisal fee of {$950.00}, other lenders were charging {$650.00}. My BofA credit advisor told me they charge more because they require faster service from their appraisal partners. I paid my appraisal fee on XX/XX/22. I'm still waiting for the appraisal report ( XX/XX/22 ). And due the delay, by BofA, the seller has to pay an added " padding '' fee to escrow company and a delay in closing of the loan. BofA is unprofessional in providing information on specific loan questions, I requested and explaining added charges. I am XXXX and wonder if BofA is discrimating against me or they system is flaud and their staff is not properly trained. 

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

Account on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of call : XXXX Unable to lift credit freeze using phone number provided by company : XXXX. No option is provided to lift or remove a freeze. No option is provided to speak with a representative. 

Per company ( https : //www.sagestreamllc.com/security-freeze/ ) : You can request the lifting or removal of the security freeze using one of the following options : Submit your request securely, online by completing our Security Freeze Lift / Removal Request Form Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX : Call us at : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.
Product: Credit reporting or other personal consumer reports

These records were obtained from XXXX and reported without my explicit consent, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and other related laws protecting consumers rights regarding the use of personal information. Furthermore, the courts of Oklahoma clearly state that they do not report bankruptcy information to credit reporting agencies. 

Relevant Laws FCRA Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may only furnish a consumer report if the consumer has given written instructions to the agency to do so. I have not provided any such consent for this bankruptcy information to be included.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute the accuracy of any information on their credit report. Upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation within 30 days.

FCRA Section 611 ( a ) ( 5 ) ( A ) : Mandates that if the investigation finds the information to be inaccurate or unverifiable, it must be promptly deleted or corrected.

FCRA Section 623 ( a ) ( 1 ) ( B ) : Requires furnishers to provide accurate information and correct any inaccuracies once notified.

FCRA Section 607 ( b ) : Obligates credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FDCPA Section 809 ( b ) : Entitles consumers to request debt validation. The collection agency must provide proof that the debt is valid and that they have the right to collect it. Failure to provide this proof requires the removal of the collection account from the credit report.

TILA Section 131 : Mandates clear and accurate disclosure of credit terms. Any failure to comply with TILA disclosures could invalidate the debt.

Immediate Actions Required Given these legal obligations, I demand that you : 1. Provide definitive proof that I committed the actions as reported, including : Complete documentation proving the validity of the debt.

Verification procedures used during your investigation.

Written confirmation from the original creditor substantiating their claims.

2. Remove the inaccurate and unauthorized accounts and bankruptcy records from my credit report immediately if you can not provide the requested proof.

Failure to comply with this request within the FCRA-mandated 30-day period will result in immediate legal action. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Consider this your final notice. If these inaccuracies are not corrected and the accounts are not removed, I will take further action to protect my rights. 

I expect a prompt and thorough response. Provide the requested proof or delete the inaccurate accounts and bankruptcy records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I asked for the bankruptcy to be removed from my XXXX and TransUnion account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.
Product: Credit reporting or other personal consumer reports

My account was closed due to a mix-up on the bank 's end, and now I have a credit card bill appearing on my report, along with a balance that was paid because they took it to repay the debt. I have police reports confirming that there were fraudulent activities in states where I was not present. Despite this, the credit card balance, the amount due, and the overdraft fees are still showing up on my credit report, and I have been placed in XXXX due to the bank 's lack of diligence. 

I am asking for this issue to be resolved immediately. I was in a financially abusive relationship and was only allowed to use my card when I went into the bank, which I communicated to the bank teller. I have since left Arizona and am now rebuilding my life here in California. Thank you for your attention to this matter.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. I was supposed to receive my paycheck via direct deposit on XX/XX/2025. XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX continues to report asserted deficiencies on my consumer report after my CFPB complaint on XX/XX/year>, complaint # XXXX clearly REVOKING THEM ELECTRONICALLY from reporting these deficiencies. I have EVERY RIGHT TO EXERCISE AND REVOKE XXXX FROM REPORTING ANY AND ALL INFORMATION TO THE CONSUMER AGENCIES. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801 which also states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's NONPUBLIC PERSONAL INFORMATION. XXXX is a financial institution by definition under this title. 15 USC 1681 section 604 A section 2 does states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX is a financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion DO NOT have my consent to furnish this information and they MOST DEFITNITLY DO NOT have my written consent. ANY AND ALL consent to XXXX, XXXX, TransUnion and XXXX whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED! BRIDGECREST NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES
Product: Mortgage

I was attempting to pay online my normal mortgage payment and the mortgage company Ditech Financial LLC which was formerly Greentree XXXX/XXXX/16. It would not accept my online payment. They have forced place insurance onto my account and will not even accept the normal payment I make monthly to meet their deadline for no late charge. I called on XXXX/XXXX/16 XXXX, to speak to a representative and asked to pay the normal amount and their answer was no and they said they spoke to a supervisor, who was unwilling to talk to me. They want me to pay the higher mortgage amount that includes the forced insurance payments. Then they will issue a refund at a later date. I have home insurance already and it can be cleared up by my insurance broker. I can not make the higher payment and when I am able to make the payment it will be late and they said they can not even go back to show that I am not late once everything is cleared up. 
I do n't understand why they can not accept the normal payment, even if a balance is still showing of the difference for the forced place insurance, they are still getting the money towards my mortgage if everything can be cleared with the fax of proof of my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I just received my investigation results from Transunion. I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Transunion has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Registered Mail XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

on XX/XX/XXXX i contacted regional finance corporate office to let them know that an employee in their XXXX branch got a copy of my credit report without my authorization a few days earlier. they said someone would reach out but never did. i reported them to the cfpb and now they are saying i did give the employee to run my credit. this is not true. i never told XXXX of the XXXX branch to run my credit. i called the corporate office again today to tell them this. now i have to get an attorney in this case and get the nc doj involved because of this