23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a refinancing loan for our home in XXXX 2015. When we applied for this loan, we paid for the home inspection fee which cost us about {$520.00} in XXXX 2015. In XXXX 2015, they have made us to do to pay XXXX home inspection, additional {$520.00}, promising that this fee will be refunded at the closing and the loan is almost to be closed. As of now, after XXXX months the loan is still in process and the underwriting is requesting more information. We have XXXX credit scores with very strong financials.
Product: Credit card or prepaid card

I, XXXX XXXX have found 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 : It also states a consumer reporting agency can not furnish a account without my 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.

I also submitted the attached notice below and submitted it to Barclays on XX/XX/23 and it is XXXX and I have received no response pertaining to this issue.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 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. '' ( Furnisher of information to credit agencies ) 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 1681tb of this title. XXXX and XXXX 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

On XX/XX/19 I paid the last payment of the loan. On or about XX/XX/19 I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/19 therefore interest owed was {$8.00} which was due XX/XX/19. I paid the requested amount of {$8.00} on XX/XX/19. The loan Co. did placed the payment for XXXX XXXX XXXX ) and did not credited it for XXXX XXXX XXXX ). The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$590.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX complaint I have already sent information, directions, and Trans Union XXXX XXXX Fiduciary duties to correct the XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX Beneficiary XXXX and all-caps cestui que trust name XXXX XXXX that need to show in the system when addressing the Cestui Que Trust Account with the correct information on the letter. This is a follow-up complaint since I have been getting letters from XXXX XXXX Consumer they need information they have in their system already.
Product: Vehicle loan or lease

I payed XXXX dollars for Gap Insurance an expected XXXX dollars return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times dating back to XX/XX/2022 about the identity theft on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my numerous efforts, these items remain on my report, negatively impacting my credit score. I have already contacted your office on XXXX separate occasions, providing evidence of fraud and requesting the removal of these items. Enclosed, please find copies of my previous dispute letters and your responses, along with additional supporting documentation. Given the ongoing nature of this issue and the lack of resolution, I am requesting immediate action to delete these fraudulent items from my credit report. Failure to do so will leave me no choice but to escalate this matter further. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

Several years ago I had 2 charges on the checking account. I reported this and ALL of my Citi accounts Checking, savings and cards were blocked. I had to reset up my passwords and sign ins for security. The issue was I was paying on a closed Citi account # XXXX. I was told that I could not have a sign in because I no longer had a credit card to complete the authentication process. I was told I could manually call in if I wanted to pay any extra payment amount other than my minimum payment. They can set up another amount but I only know month to month what I have extra to reduce the amounts that are due. I can not manage my card as all other Citi card customers can because they do not have an alternate process to allow me to authenticate. I have been paying for years and my payment only covers interest and a small dollar amount for principal. I am not able to manage my account so I can pay my debt off quicker as any other Citi customer. I have called on this and I always get the same response. We can not help you. I do not believe this is fair and I am being charge thousands of dollars in interest over the last years because I am not able to manage my account so that it is advantageous to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a card some time ago, I was approved however never received a card nor did i receive any bills. As such there should be no way that I would receive a negative ding on my credit reports if I never got, used or even activated said card. I need this to be resolved. I now want nothing to do with this company at all, I want the negatives to be removed immediately.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
XXXX, Transunion, and experian are reporting my consumer report improperly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain entries on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In light of the recent legal action against your agencies, I respectfully request that the following item ( s ) be permanently removed from my credit report as they fail to comply with FCRA guidelines and have been identified as a part of your organizations violations in recent lawsuits.

Specifically, the disputed information violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Duty of agencies to investigate disputes According to this provision, upon notification of a dispute, you are required to investigate the dispute within 30 days, and if an item is found to be inaccurate, it must be corrected or deleted. As outlined in the recent lawsuit, your failure to comply with these requirements has resulted in the persistence of inaccurate information on consumer reports. 

15 U.S.C. 1681e ( b ) Accuracy of information This provision mandates that consumer reporting agencies must ensure that the information they report is accurate. The disputed information on my credit report does not meet this standard and must be permanently removed, as your failure to correct these errors has been highlighted in the legal action filed against your organization. 

The following account ( s ) are in dispute : XXXX XXXX XXXX Opened XX/XX/ amount of {$2500.00} XXXX XXXX Opened XXXX XXXX amount of {$760.00} Given that the information reported is inaccurate and non-compliant with FCRA regulations, and in light of the ongoing litigation concerning these practices, I respectfully request that these items be permanently removed from my credit file. 

Furthermore, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide written confirmation of your decision, including the results of your investigation. If you determine that the disputed information is not inaccurate, I expect a detailed explanation and evidence supporting your conclusion, as required under the FCRA. 

Please be advised that under 15 U.S.C. 1681s-2 ( b ), you are also obligated to notify the entity that reported the inaccurate information once a dispute has been resolved. I expect that the removal of these items will be communicated directly to all relevant parties. 

In light of the violations outlined in the lawsuit against XXXX and Equifax, I trust that this matter will be handled promptly, and I request the permanent removal of the items from my credit report in accordance with the law. 

Please confirm receipt of this letter and the actions you will take regarding this dispute within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfer, virtual currency, or money service

Through the XXXX bank website, I initiated a transfer from my XXXX XXXX  checking account to my XXXX Money Market account on XX/XX/XXXX, XXXX rejected the deposit and as of XX/XX/XXXX, the money has not been returned to me. I contacted XXXX regarding this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told numerous times that the money is on its way back to my XXXX account. Now XXXX is saying I need to contact XXXX and request the transfer be returned. 
I contacted XXXX on XX/XX/XXXX regarding this and they had me fill out a dispute form. They have requested info from XXXX on XX/XX/XXXX. As of my phone conversation with XXXX XXXX XXXX XXXX  today, XX/XX/XXXX has not responded. 
I want my {$37000.00} back, with interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Debt Not mine never signed a lease only did a tour
Product: Credit reporting or other personal consumer reports

Its impossible to get anything corrected with Equifax & I've about had it. There is now yet another unauthorized inquiry showing up on my credit profile. I have called to try to get them to remove it & they refuse to do anything. They still have XXXX XXXX remove XXXX from a year ago that has also be fraudulent & unauthorized. See below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$110.00}, XXXX XXXX XXXX XXXX Balance : {$760.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 


If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXXExperian/Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Checking or savings account

Per offer term, The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. 

The account was opened on XX/XX/XXXX and the last calendar day of the month all requirements were completed is last day of XXXX. It has past the deadline for bonus deposit. 

Please kindly advise.
Product: Mortgage

My mortgage was bought by NewRez on XX/XX/year>, the due date for my first monthly payment. NewRez did not show any record of the advance payment that I made to XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, NewRez 's web portal showed that the XXXX monthly payment was still due. That day I wanted to make a large principal-only payment of {$180000.00} from the sale of my previous house, but the web portal did not allow me to do so until the monthly payment was made first. This was unfair and solely due to the incorrect transfer of the mortgage. I followed up with NewRez via chat the same day ( and several times again ) and I also wrote an email to XXXX XXXX. I was afraid that the matter would not be resolved in a timely manner to avoid fees/fine and I didnt want to lose the opportunity to reduce my interest payments. ( My fear was true because neither company responded for more than 80 days. ) So, I made the monthly payment of {$2900.00} on XX/XX/XXXX and then made the principal-only payment of {$180000.00} immediately after it. Essentially, I was forced to split the large principal-only payment of XXXX into a monthly payment and a principal-only payment. I also made more principal-only payments on XX/XX/XXXX and XXXX. When I pinged XXXX XXXX on XX/XX/XXXX, they followed up because of which NewRez revised the payment history ( attached ) on XX/XX/XXXX to account for the monthly payment I made to XXXX XXXX in XXXX. However, when revising the payment history, NewRez has reposted the monthly payment that I was forced to make before the principal-only payment on XX/XX/XXXX as just the XXXX payment that was made early. The interest portion of this reposted payment is being shown as {$1800.00}, totally disregarding the large principal-only payments I made prior to the XXXX due date. This is unfair. It must rightfully be re-classified as a principal-only payment. Im being gouged of {$1800.00} in interest because of an error made in the mortgage transfer. Neither company is owning responsibility for it. NewRez has been totally unresponsive even though I have filed numerous contact forms with them since XX/XX/XXXX.