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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX  XXXX XXXX : {$50000.00} GS XXXX XXXX XXXX : {$4100.00} O? XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

As a mortgage broker, we were working with Hometown Equity Mortgage , LLC dba theLender. We submitted a conventional, non-QM, mortgage application to them. We were given an LE@ 9.875 % with no lender origination. Only an underwriting fee. The lender representative confirmed that we submitted the loan correctly and issued the LE accordingly. They would not allow us to lock the loan until it was approved through underwriting. After underwriting, they informed us that the loan was mispriced by them, as a bank statement loan. And that this loan now has $ XXXX in fees. We have it documented that we submitted and they accepted the application as a XXXX XXXX XXXX  loan. This company is engaging in bait-and-switch practices. They are issuing LE 's with terms they do not offer.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
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 Transunion XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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 customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company 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.
Product: Credit reporting or other personal consumer reports

Experian failed to fullfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I use money gram services XX/XX/XXXX to transfer money to XXXX XXXX the amount of {$100.00} is supposed to be available for the receiver XXXX days is been XXXX weeks and the transfer still processing. I request the refund and the company doesnt want to cancel the transfer because the transaction is under investigation
Product: Checking or savings account

It is rather disheartening that, as a long standing customer and with no prior issues, Bank of America reversed the two XXXX XXXX fraudulently charges totaling {$760.00} posted on XX/XX/2023 and charged them back on my account because The charge was authorized by you or made by someone who has permission to use the card or account. How can this be, if I reported that my wallet was physically stolen from me. 

In fact, within 2 hours after the charges were made on my Debit Card on XX/XX/2023, I notified Bank of America that my wallet was stolen from the zippered compartment of my legal briefcase, while the briefcase was situated in my office within my suite located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I also filed a police report to report this incident, which is attached here. In addition to the charges on my Bank of America Debit Card, I also had numerous and much larger charges on my XXXX XXXX XXXX XXXX Credit Cards, which were also in my wallet, within minutes of each other. However, XXXX permanently reversed these charges when I reported them as fraud. 

In fact, my attorney colleague whose office was next to mine also had his wallet physically stolen by the same culprit, and precisely the same charges were placed on his credit card account. His bank, however, reversed the charged and permanently credited his account. 

A quick review of my account quickly shows that I did not authorize or place these in-person charges. In fact, the only time I have ever used the Debit Card in person was at XXXX XXXX, since this account is an account to manage the income and expenses related to a rental unit I own. Charges at a clothing store are clearly atypical and unrelated to my rental unit. 

After Bank of America reversed the temporary credit, I faxed a written Request for Reconsideration to ( XXXX ) XXXX on XX/XX/2023. Even though I never received a response to my request, I noticed that Bank of America once again reversed the temporary credits totaling {$760.00} on my account on XX/XX/2023. 

Thus, I am requesting a regulator to inquire from Bank of America further into these matters in light of the clear fraud on my account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$22000.00} XXXX XXXX XXXX XXXX XXXX - {$51000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit card or prepaid card

My Direct Express Mastercard, issued by Comerica Bank, in which my monthly Social Security XXXX Benefits are deposited was stolen in XXXX, XXXX in XXXX XXXX, California along with my ID and cell phone. Having no resources, I went to stay with a friend in XXXX XXXX where I was assaulted and had to have XXXX XXXX on XX/XX/XXXX. Five days after the XXXX, I was transferred to a XXXX XXXX XXXX XXXX XXXX  also in XXXX XXXX where I was until XX/XX/XXXX. I tried many times to call Direct Express to report my card stolen but could not get through for 3 weeks because they had a problem where the main menu to report a stolen card was not working and I would be transferred to an operator where I would wait up to 4 hours to speak to someone. I finally got through on XX/XX/XXXX and requested a new card and filed a fraud dispute for transactions totalling {$2100.00}. I faxed the documents they sent me back within 10 business days but they never issued me a provisional credit as stated in their letter to me. I also faxed them proof that I was in the XXXX and the XXXX XXXX XXXX in XXXX XXXX when the fraudulent charges were made, which were all made in XXXX XXXX and one was made in person at a XXXX in Texas! I ALSO POINTED OUT TO THEM THAT ALL THE FRAUDULENT TRANSACTIONS WERE MADE USING MY STOLEN CARD AS A CREDIT CARD AND NOT AS A DEBIT CARD ( as I have always used it ) BECAUSE THE THEY DID NOT HAVE MY PIN NUMBER SO THEY COULD NOT USE IT FOR ANY DEBIT CARD TRANSACTIONS. Again, I called every day for a status update but was always placed on hold for 3 to 4 hours. I finally got through to them today, day 40 of the investigation and was devastated to be told that they denied my claim due to " conflicting '' information and that their decision was final and that I would get a letter in the mail within 5 to 10 business days and that there was nothing I could do about it. No appeal. I provided them with overwhelming proof and evidence of these fraudulent charges yet the denied my claim. And I lost money because I could not get through to them to report my card stolen because of a malfunction in their telephone system. I am incredulous, devastated and in shock that Direct Express would do this to me. Especially with undeniable proof and evidence provided to them. I truly believe they deny all fraud claims because I have NEVER heard of anybody ever being credited back money on their Direct Express card that was stolen from.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 notify you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries listed below. These accounts were opened and inquiries made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.
Product: Debt collection

I did not receive communication from this collection agency by phone or by mail before the debt was placed on my credit report. 

On XX/XX/2022, I submitted a request for validation of debt in Complaint ID XXXX. My request to validate the debt has not been responded to in full. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports immediately.
Product: Mortgage

I applied to refinance my current mortgage and after lengthy negotiations with the servicing company, they told me to call the original bank which I signed the mortgage with. They are now telling me that after XXXX years of payment I will still be owing {$470000.00}. I don't understand it a nd I want some answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is actually due to inaccurate reporting by my mortgage holder XXXXXXXX XXXX XXXXXXXX which is the subject and related to 2 prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint XXXXXXXX XXXX back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure XXXX  took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at XXXX XXXX that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.
Product: Credit reporting or other personal consumer reports

This XXXX account has been on my credit report multiple times. It is fraudulent, it gets removed, a new debt collector buys it and it reappears. Now it is owned by XXXX XXXX XXXX and reported on my credit even though the account is proven fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # ( XXXX ), has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604 a section 2 : a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Transform Credit sent my account to collections which is a 3rd party agency. I did not give consent to share my personal information with a 3rd party. This is a direct violation of the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

. I submitted my dispute/complaint to XXXX XXXX on XXXX  XX/XX/2023. Stating that 15 U.S. Code 1681b - Permissible purposes of consumer reports. Is the cause of the dispute. For the amount of {$2500.00}. Furthermore, The amount was paid for when the account was XXXX  : XXXX with signature. After their review ( XXXX  XXXX ) their reply and response was to PERMANENTLY leave it on the credit report. Please see link below. 
15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Mortgage

Shellpoint corrected the modification of on my mortgage, they sent out a letter asking me this time to have 2 witnesses and they would send a mobile notary. I remember speaking to XXXX XXXX, and she gave me the number of the notary people, I called my 2 neighbors XXXX and XXXX to witness my signing and they did, and the notary came signed stamped and left with the docs. What happened from there I do not know. Below is a copy of that letter from Shellpoint, informing about the notary and informing to have 2 witnesses which was different that the 1 witness from before. 

What happened to the docs from XX/XX/2020?
Product: Mortgage

Since the beginning of XX/XX/XXXXever since the previous lender sold the paperwork to a new investing company XXXX XXXX XXXX has treat us as the previous mortgage company, begining as the previous company ending with with their predatory lending practices. 
No mortgage statements have been sent from the servicer since XX/XX/XXXX, inquiring with them is impossible, w/ remarks from a Rep. XXXX XXXX recently, on ( XX/XX/XXXX ) @ XXXX, for me to prove it. 
When l told him l was recording our conversation, he responds, " l 'm going to have to end this conversation '' ... Click! However there 's double standards everytime l call them their message recorder tells me, our conversation will be recorded They 're being totally unreasonable to any of my requests. 
I 've asked to remove a lien from the previous lender that still shows on my Title Deed, in the amount of {$100000.00}, since they 're the Servicer of my present loan and the previous lender no longer has anything to with my loan as their voice recorder says. " Contact my loan Servicer. '' I am also asking for closing documents on the original loan from the orginal lender. Anything like a documents on the transactions that have transpired and where l stand or better than that where do they have anything or than to raise the amount of my original lender in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER RXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.