23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my job due to Covid- I was off work for 9 months I went into Loss Mitigation due to having financial hardship- I completed my hardship and was sent paperwork to have notarized and sent back. I did so, I never received a response that the paperwork was missing items and it would have to be sent back out to me, and to not make any payments until it was completed. I then never received paperwork and called back in I was told it was now " fixed '' and I was now delinquent. I then began to reach out to several people from XXXX to Current and no one will advise what I need to do or assist, only one person XXXX XXXX reached out to do a follow up satisfaction call, to see if My situation had been resolved this was on XX/XX/21. I advised it was not, he stated he would follow back up- No response- I have to date called 18x and not one person has ever returned my call nor assisted me. I even came home to a letter taped to my door, stating Freedom Mortgage was attempting to get in touch with me, and I would not respond. What a joke. I hate that my mortgage was sold to this company. As Customer Service and assisting people is there not a priority. After coming off a hardship, they just continue to keep the barriers there.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. Please help me conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$6900.00} ; XXXX CARD XXXX Balance : {$22000.00} ; XXXX CARD XXXX Balance : {$20000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} ; SECU XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to XXXX  on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from XXXX  in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered I did not own the car I financed through XXXX. I am paying on something I will never own or receive the title too. The paperwork was never filed through the dealership to reflect me as the owner or landmark as the lien holder. The car has a dealer tag on it which is what the dealership gave to me to use after they gave me XXXX 30 day tags in a row. XXXX has not tried to assist me with canceling the debt or tried to help with getting the title to the car. I can not drive the car because I am not the legal owner per XXXX. I z called XXXX corporate office to file a complaint over XXXX week ago, ticket XXXX XXXX, and no one still gave contacted me. When I called to follow up they said XXXX is the only one that can assist me.
Product: Credit card or prepaid card

Barclays is not responding to my attempts to contact them directly. I'm going to give them one last chance to provide proof that I turned off automatic monthly payments when I did not. They can't just say that and not back it up with tangible proof. If they do not comply - I will be forced to sue. This is an absolute abuse of power that CFPB is supporting by continuing to shut down my claims when this has not been resolved. There isn't an option to appeal - or believe me I would. This issue remains wholly outstanding and I need a response from Barclays.
Product: Checking or savings account

Citizens Bank states the following on my specific account : '' Citizens XXXX XXXX XXXXXXXX If you overdraw your account, you have until XXXX XXXX ET the following business day to get your available balance back to {$0.00} or more and well rebate your overdraft fee. 
Learn more about Citizens XXXX XXXX XXXX  Automatically enrolled '' I have an Overdraft line of credit. However I still pay $ XXXX plus {$12.00} for every overdraft plus interest. On XX/XX/23 and XX/XX/23 I was charged {$12.00} each for overdraft fees. My account was overdrawn less than XXXX hrs. According to the above policy my transfer fees should be credited. There is no message center allowing me to communicate with the bank regarding this. I called " Customer Service '' on XX/XX/23 AM. After finally getting to a live person I attempted to calmly explain my issue. He talked over me with a raised voice and told me I was wrong.
Product: Credit card

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Debt collection

I have had the alleged debt from XXXX XXXX sold to another collection agency. I have repeatedly asked for XXXX XXXX to substantiate the debt. My original complaint was dated XX/XX/XXXX transaction ID XXXX. A subsequent complaint was submitted XX/XX/XXXX. As I stated before " until XXXX XXXX can provide evidence of this debt, the movement from one collection agency to another should be terminated. I am repeatedly harassed by third party colleciton companies.?
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for IC Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC Business Services # XXXX belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Upon my review of my consumer reports it has come to my attention that you ( Experian ) are reporting 2 Bankruptcies account/accounts to my consumer reports that were supposedly investigated and verified ; however upon communication with the bankruptcy courts, the courts advise that they do not report to the consumer reporting agencies ; therefore it was impossible for Experian to validate if the courts is communicating they dont validate or report Additionally I did not give Experian express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character Experian have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

18 U.S. Code 1028A- Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

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

I previously made a complaint regarding Experian. Nearly two months after a dispute letter was sent challenging inaccurate information in my credit report, I still had not received a response. I made a complaint on CFPD. Experian responded FALSELY that they had received and verified everything in my dispute letter and that a response would be forthcoming in the mail. A couple of weeks later I received their " response ''. Nothing had been investigated and a line that " unable to honor my request due to incomplete information ''.

Clearly, they hadn't even looked at the dispute and filed a false response to the CFPB, a federal goverment agency. I consider this perjury. My letter was clear, concise and clearly demanded action desired. I consider this inexcusable. I wish for this to be pushed forward for sanctions against Experian. I have resubmitted my letter to Experian and will appraise CFPD of the response or lack thereof.

I have cc 'd the complaint to the California Attorney General 's office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on my consumer reports which is a direct violation of XXXX usc XXXX ( b ). 

XXXX XXXX and XXXX are violating my rights that are federally protected. 

XXXX deleted this account and it has reappeared on my credit file which is illegal!
Product: Credit reporting or other personal consumer reports

There are inquiries on my Experian Report that should not be there These inquiries were added without my knowledge. 

in compliance with the fair credit reporting at these inquiries need to be removed from my 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
Product: Credit reporting

TransUnion is the problem. When you report that you have been denied credit based on their credit score, they have a legal obligation to give you a copy of your credit report. They refuse to give you the actual credit score number unless you pay them extra money. This is not legal - they are trying to take advantage of consumers by ripping them off for a service TransUnin has an obligation to provide at ZERO cost. 
ALSO, when you try to order the free credit report they owe you, after inputin your address, etc, into the phone system, it always plays a recording saying " We can not give you a report based on the information you entered. ". Then they tell you about a long list of sensitive documents you have to provide them in the mail in order to even get the INCOMPLETE credit report they are sending. 

These practices are abusive to American citizens, and I believe illegal!
Product: Checking or savings account

I want to report deceptive marketing to current customers by Bank of America I signed up for an offer Bank of America advertised on their website " 5 % Interest Rate Booster on a Savings account. After two months of seeing minimal interest on my account, I called them. It turns out the " 5 % Interest Rate Boost '' is 5 % of the 1 % interest rate I would normally get. So, 1 % interest gets boosted '' to 1.05 %, not 6 %. 

See the screen images showing the offer, numbered to indicate the order in which one has to click to find the explanation. How many will actually do this? The promotion seemed very straightforward to me. I did not click until I wasn't reaping the 6 % interest I thought I was entitled to. It is very misleading. I work in marketing, and this is deceptive, and misleading at the very least. Shame on Bank of America. 

If you'd like more information please contact me. Thank you for investigating this.
Product: Credit card

I arranged for a payment plan to make good on late payments and when I attempted to initiate the payments, Citi informed me the account was closed and they could not enforce any agreement. Over the last 2 years I contacted Citi via certified mail at the address indicated in my credit report to confirm the balance amount and to enforce the payment agreement and they repeatedly did not reply. Since this is in contravention of credit reporting standards, I have legitimately asked them to stop reporting the debt and no effort has been made to comply with my request.
Product: Mortgage

XX/XX/18 Received a call from XXXXand the gentlemen state that he was VA Benefit and wondered if I had 3 minutes to give him. I was like I am sorry who are you with. he again responded with VA Benefits. I then asked him if he was with VA Office directly and he responded by saying that he was now with the VA Benefits Depart of sign on the Line out of XXXX County.  This company was trying to imply or initial represent that they were with the VA. But because I asked the right questions and made him slow down and readvise me who he was with and who they were where. I was able to get him to admit 1 ) no there were not with the VA Benefits as he initially stated 2 ) phone number is out of XXXX XXXX CA ( XXXX XXXX County and he stated that they were out of XXXX County California which goes with what I was able to find online when I XXXX their name but their phone number is different than what showed up on my caller ID. 3 ) I am on a do not call list through the FCC and they never checked that list 4 ) the simple fact that they are call disabled Veterans and using a play on words should to show misrepresentation of who they are and that they are not with the VA Administrations office at all
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : Acct number XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please help me with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/XXXX for two companys the debt has been closed and settled for {$230.00} on one account the other is for auto it was closed and transferred to another collecting party. TransUnion did not validate the information i called on XX/XX/XXXX spoke to XXXX XXXX and her supervisor XXXX XXXX they stated they are in XXXX, they stated they did not receive proof from the companys during the dispute only that it is still on my credit report as owing from their electronic systems they use to communicate with companies. XXXX the supervisor stated i have to call the companys directly to dispute the matter i tried to explain to him disputes go directly to the credit bureau and since they did not validate my debt correctly and it has been way more than 30 days they have to remove it from my report by law. He stated no because they finished the dispute on XX/XX/XXXX and only received a verbal the debt is owed. I asked XXXX how they sent the response to me when the dispute was finished she stated by email i asked her what email it was sent to she could not provide it and asked me do i even check my email because it should be in there i once again asked her what email she could not provide the information. I asked her when the dispute was finished She stated the dispute was finished on XX/XX/XXXX then later said she said the XX/XX/XXXX. TransUnion employees are not following the law by correctly validating a persons dispute/debt they are only receiving verbal confrimations from companies both employees confirmed that during the conversation.
Product: Debt collection

I paid money to fix my credit and after my credit score went up I received a inquiry on my report from LJ ROSS & Associates for a balance of {$12000.00}, when I disputed the account they told me that it was verified. I know that in order for an account to be verified I had to have signed for it, I did not sign for this debt. I then sent a letter to this company asking for a copy of my Wet signature to prove that I signed for this debt. They never responded and its been over 30 days, I gave them 30 days to respond. I sent the letter off XX/XX/XXXX of 2024, they still have not responded to my letter. They are holding me and my family up from purchasing a house, among doing other things for the benefit of my family.
Product: Credit reporting or other personal consumer reports

Please Delete this inquiry XXXX XXXX XXXX XXXX was done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax by mail and phone, Equifax has refused to remove inaccurate information appearing on my credit report. Equifax is reporting three ( 3 ) XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Despite XXXX XXXX being able to validate the accounts, Equifax refuses to comply with the FCRA and remove these accounts from my credit report.
Product: Debt collection

Company refusing to remove a debt I dont know anything about never had XXXX XXXX I was in the hospital between XXXX to XXXX I asked credit management to remove this account and they have refused I am a XXXX senior.