23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i received a copy of my credit report and i see 2 unauthorized made by XXXX XXXX on XX/XX/2023 and i inquiry made on XX/XX/2023 by XXXX
Product: Debt collection

To the best of my knowledge I have no contractual obligation with this company. I do n't know where this company has come from. I sent a request for them to provide me documentation and proof of this account as its my right to do so. However they fail to provide me any information. They continually just sends me a statement. I contacted the credit bureaus and they have failed to respond and or provide proper documentation.
Product: Mortgage

Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort of a " bait and switch '' kind of an application to get me to open other accounts. 

After the bank pulled the credit, which I believe was unnecessary to decide the HELOC application, and subsequently rejected the HELOC application, I was stuck with an unwanted inquiry on my credit report and an unwanted credit card. I complained about it and said I wanted the credit inquiry reversed. 

They elevated it to compliance, reviewed the taped conversation, and said their process and disclosures were appropriate. I had been under the impression that signing up for other products would be advantageous to my HELOC application. I think they just wanted to pull credit to " sell '' other products, being fully able to determine without pulling my credit that the HELOC application was going to be rejected. This was because the HELOC denial was based on debt to income ratio, not credit. 

I suggest that this bank disclose that applying for other products has no bearing on the HELOC application and not try and mix the two application processes. I also suggest that they determine if the applicant 's debt to income ratio would disqualify the applicant prior to pulling credit. Other lenders that do not cross sell other products are easily able to determine this without pulling credit. 

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

Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Product: Debt collection

I am receiving non stop phone calls from the company midland credit management or at least claiming to be. Any time I say that I have no debt and ask what the call is about, I am told I need to provide personal info over the phone ; I will not do this and they eventually hang up. They will not tell me what the debt is in regards to or any info with out me first providing personal info.
Product: Credit reporting or other personal consumer reports

Experian, is reporting XXXX my transactions or experiences on my consumer report ( s ) and this in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

Im dealing with plus four inc w debt collector that is saying I owe XXXX dollars or so to tusail and associates Ive never seen in XX/XX/21 and with desert radiology that I owe nothing to, Ive read the reviews on this place there located in XXXX XXXX XXXX  and other people have the same issue as myself I have no idea how they got my information but its affecting me and my credit please I need help from these crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card inquires on XX/XX/2020 and XX/XX/2020 that I never authorized. XXXX XXXX XXXX XX/XX/2020 inquiry that I never authorized.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on 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 ( XXXX ), 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. These are the accounts I have marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a response from Equifax from my previous complaint # XXXXon XX/XX/XXXX with CFPB stating that the following items would be deleted : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their response shows that it was deleted from credit file on XX/XX/XXXX. The items still appear on my credit report XX/XX/XXXX and I have not received the updated report they stated they would send and I cant access their website to download disputes. They also stated the results of this dispute was mailed on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly
Product: Debt collection

Received a notice that a debt was owed to a property that I knew I did not owe. The property never contacted me after I moved out on good terms ; so receiving this notice from ProCollect Incorporated two years later made no sense. I mailed a dispute to ProCollect on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX  and sent an email. On XX/XX/XXXX I was told by XXXX XXXX XXXX   that they would review their files and contact me. Meanwhile, I had already notified ProCollect that the debt was invalid on multiple occasions. Fast forward to XX/XX/XXXX and this debt was still listed on my credit report and no resolution had occurred. I contacted XXXX  in order to make a dispute. XXXX  's report after an " investigation '' was that the debt was valid. In XX/XX/XXXX I contacted XXXX XXXX XXXX again and spoke with a couple of different people trying to get this issue resolved, as the incorrect information on my credit report was impeding a move. On XX/XX/XXXX XXXX XXXX printed a letter for me stating that the information sent to ProCollect was incorrect. Neither XXXX  nor ProCollect fulfilled their jobs accurately. That is the reason for today 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax breach and believe some of my accounts were compromised.
Product: Credit card or prepaid card

I received an email alert from my credit monitoring service that a credit account had closed under my name. I then proceeded to go onto Chase online and noticed that indeed one of my accounts had been closed. The account ending ind XXXX. This is not the first time Chase has closed an account under my name due to inactivity or attempted to do so. 

Previously, I did receive a letter in the mail and I contacted the bank and they kept an account open. The last time they closed my oldest tradeline with no warning other than to say we sent a letter to you. I fought that issue and lost unfortunately. 

This time, Chase is at it again. In regards to my account ending in XXXX, I spoke with three representatives who all said that they sent me a letter at the end of XXXX and that there was nothing else they can do. I have been escalating the issue further and further to climb up the ladder and maybe get this issue to a product manager who can actually make the decision to re establish an account.

Chase has made XXXX good faith effort to reach me as their customer to inform me of a serious matter of account closure. It is XXXX not XXXX, they have multiple methods of reaching out to a customer. I never received any postal correspondence from Chase and there is no real way to dispute that as there is no tracking information on a form letter sent through the post office. But Chase has my email address, my phone number and a secure messaging service on the online banking service. None of these methods were used to contact me to inform me of a serious issue regarding account closure. 

This will again cause real meaningful harm to my credit as it will be a second long standing card that has been closed by the issuer. That is now a derogatory remark on my file and reduces the age of my credit and also increases the total utilization ratio of my credit report.
Product: Credit card or prepaid card

Barclays Bank sold my credit card account to XXXX XXXX Bank in XXXX, XXXX. I made two payments to Barclays via XXXX XXXX XXXXXXXX electronic payments from my bank account in XXXX, XXXX  and Barclays for 7 months told me and XXXX they never recieved the payments. I sent each Bank copies of XXXX  XXXX XXXX XXXX Letters proving payment. Finally Barclays in XXXX, 2022 through thier Settlement Department admitted to me and XXXX that they transmitted electronically the payments to XXXX back in XXXX, XXXX  through thier Trailing Payment System and stated dates. 
In XXXX, XXXX  Comenity, in a conference call with me and Barclays, was to follow up with Barclays and together locate the funds. Comenity on XXXX notified me that they did not recieve the funds from Barclays and asked me to contact my Bank to review submission of payments. Barclays would not provide me with written evidence that they transmitted the funds, on my behalf to XXXX. 
One of these two banks has my payments and after dozens of emails and phone calls and letters, I am at a loss as to how to recover my payments or get credit. Each Bank points the finger at the other and all I get is a run around.
Product: Debt collection

My car was a result of a total loss which I was told was paid off and covered through XXXX XXXX as well. Fraudulent charges
Product: Mortgage

Good afternoon, Filing this complaint regarding illegal acts my mortgage company is committing on my home in XXXX XXXX XXXX My mortgage was previously discharged in a bankruptcy in XXXX, since then foreclosure proceedings were started in XX/XX/XXXX. There have numerous issues, some of which your office has investigated. Now a new servicer has now denied my deed in lieu request which had been previously accepted because I would not commit fraud by signing documents that contained false statements. A first request was sent to the servicer, and in response that made some corrections but others were created and others not fixed. After receiving the second draft of the deed-in-lieu documents, I again asked for the statements that I knew were false to be corrected, they failed to respond to my email asking to discuss the issues, and sent me a letter stating they are no longer honoring my request because I did not act in good faith. Which is not true, in my email to them after the second document received i clearly stated i am not refusing to proceed with the deed-in-lieu, that I'm not refusing to sign documents but that I am refusing to swear to a notary that documents I'm signing are true when I have already pointed out they are not true. 

So the servicer accepted my deed-in-lieu, then asked me to commit fraud by signing and swearing that everything contained in the document was true when I knew it was not, refused to correct the falsehoods, then breeched the contract, took back their acceptance because I would not sign fraudulent documents. 
Servicer ; Fay Servicing XXXX XXXX XXXX XXXX, IL. XXXX Fay Servicing , LLC XXXX XXXX XXXX IL, XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX. As Trustee For LSF9 Master Participation Trust For more details for my complaint, I have provided my contact information. 


XXXX XXXX XXXX ( XXXX ) -my now married name Property address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Phone- XXXX Thank you and anticipate hearing from you. 

I am also filing a complaint with CPB, Federally at the Dept of Justice Additional documents can be mailed as support at request, too many to attach. Thank you in advance for your assistance in this serious matter.
Product: Debt collection

Ive never ordered anything from XXXX ever. I do n't know whose debt this is but it is not mine. I 've never ordered anything from this company
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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. This 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Mortgage

I was told in XX/XX/XXXX by M & T Bank they were going to foreclose on my property XXXX XXXX XXXX XXXXXXXX XXXX   XXXX unless I paid XXXX or payoff mortgage. On XXXX the total amount of {$110000.00} was wired to XXXX XXXX XXXX XXXX XXXX payoff as well as the Attorney representing M & T.3 weeks went by and they did not deposit the money they held on to it. The foreclosure was scheduled for XX/XX/XXXX and it still was on. They said they would stop it if I paid {$4100.00} more for the foreclosure Attorney Sandler out of XXXX XXXX. I wired the money to XXXX XXXX XXXX on XXXX As of today they still have the foreclose going through the Courts. This should have been stopped. I cant afford to be homeless and my credit ruined. I've paid over {$120000.00} to have this sopped. Please help me? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late XXXXXXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXXXXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit.

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with XXXX, XXXX, and Equifax. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.