23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started a reverse mortgage application last fall with XXXX XXXX. We have gone thru all the processes for a reverse mortgage and started running into problems with them in XXXX. We own 2 parcels in XXXX VT on separate deeds. The first is our house lot, which we purchased in XXXX, and on which we currently have a Heloc. The second lot we purchased in XXXX from a neighbor, vacant land contiguous to our house lot. Vt State Statute states that contiguous parcels are billed on one tax bill. We had the appraisal for the reverse mortgage done on the house lot only. Since we not only have a separate deed for that parcel but also have a survey for that parcel, the appraiser had no problems doing the appraisal, which we paid for. The other parcel is in a realtor 's hands for sale of at least a portion of it. 
Latest problem with XXXX is that they say the FHA requires 2 separate tax bills, a violation of VT Title 24 Chapter 051 Subchapter 001 and Title 32 Chapter 129 Subchapter 004 ( Grand List of Town ), which Titles combined state that contiguous parcels go on one tax bill. We have sent XXXX copies of the separate deeds and the Statutes. 
I have talked with XXXX XXXX in the XXXX FHA XXXX, which controls the Vermont FHA, who confirmed that the FHA does not require tax bill info, that is something the lender may want. XXXX still confirms it is an FHA requirement. I gave them XXXX 's name and # to call, which they would not do. Their decision TODAY was that they need 2 tax bills, which changes the cost of our property taxes because each parcel would then have a higher tax rate for the 1st 2 acres EACH and is a violation of Vt Titles 24 and 32. So far this application has taken 1/2 year.
Product: Checking or savings account

Truist bank closed my account for no reason they can prove. And they said they can do it because it's in the contract. Truist cashed my XXXX check and XXXX check from XXXX which they called truist and verified the checks. And truist still have them and refused to release the funds to me even though I sent in the proper paperwork to prove the funds belong to me. I never in my life had to prove the funds were legit I thought it was the bank job to verify the funds and if the check was fraudulent closed the account. But as I read all the reviews I see this is what truist does to its customers. They also closed my account and I had XXXX dollars in that account, they said they sent it to me but I told them I wanted to pick it up from the branch and they refused. It's going on XXXX months and I still have not received that check either. That is about XXXX dollars total. I had paid my mortgage out that account and my credit card bill. Both of them was returned now because of it, it got me in financial ruins. The branch managers really really tried helping me by calling truist while I was in the office with no help to me. It's the higher ups. XXXX XXXX even called XXXX to verify the funds in front of me only thing they could do was say they were sorry. And the fraud department would call me. I never ever got a call. I only got letters in the mail. I didn't even receive a email. Only time I knew anything I had to call up there because they would leave notes internally. When I do call, I get customer service reps that's in the XXXX. They sent a document for me to sign to stop payment, I signed it at the branch and left it there and sent it to a couple of people at truist which I was advised to do. Now they are telling me I have to wait 90 days until they reissue another check to me. And they said it's company policy they do not and will not release the check from XXXX to me. These have to be robots or algorithms to treat people this way. They do it because they can get away with it and it is no real consequences. I thought our money was FDIC insured. That you could get it when you wanted it. I guess it still based on gender, race, religion, and financial status. It's robbery. They dress it up by being a corporation
Product: Credit card or prepaid card

I was traveling and lost my credit card and I dont know it was for so many transactions and now the bank is not resolving that
Product: Debt collection

I have been receiving wage garnishments for a debt that I have no knowledge of dated back on XX/XX/2000. The courts have ruled that this be disposed of, and the company Midland Credit Management ( MCM ) is constantly resubmitting the file to my employers without notifying me of anything prior to taking my funds. This is causing me a major hardship as I have had this disposed because I am a victim of identity theft which I have explicitly stated. The current judgement balance is {$6400.00}. This total includes interest and cost fees as stated in the letter. An identity theft affidavit has already been established with the IRS due to someone filing taxes in my name previously and it has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) Onemain have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account Receivable Solution : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting TransUnion, XXXX, and Transunion to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. A student loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under account number ( XXXX ). 
XXXX student loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX  credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Your company has not removed the inquiry before the allowed time, which is a violation.

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that 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.

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed below accounts are on my credit report but do not belong to me. 


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 you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Debt collection

I have start receiving collection notices from West Coast Serving , Inc. This debt that they are asking me to repay was discharged in bankruptcy. I have informed this company of my bankruptcy. This company purchase this account from XXXX XXXX XXXX XXXX XXXX XXXX shortly after I filed a claim with CFPB.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXXXXXX Balance : {$100.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Mortgage

XX/XX/2023 Received a pre-approval from Navy Federal for a VA backed mortgage, loan processers was sure I was approved due to preapproval and then I was rejected. 
I'm XXXXXXXX XXXX and feel it was discrimination. I tried to go into local branch, loan officer is not there daily
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$18000.00} I previously submitted a dispute to [ Equifax ] regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Certified debt validation letter mailed to AR Resources Inc. on XX/XX/2020 for a debt in the amount of {$90.00}. I have not received a response to validate this debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by TransUnion, XXXX, and XXXX. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, 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 confidentially under 15 use 1681. 

Account Name : 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 XXXXXXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : 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 convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person should 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 accurate.
Product: Debt collection

Immediate Cease and Desist & Formal Debt Dispute, I am writing in response to your repeated attempts to collect a debt that does not belong to me. I have no association with the creditor XXXX XXXX, and the debt in question is not mine. The address you have on file, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is not my address. As a result of a data breach involving my personal information, which occurred on XX/XX/year>, and was disclosed to me by XXXX XXXX XXXX ( please see the enclosed documentation ), my personal information, including my Social Security number, was compromised. I have reason to believe that this debt may be related to fraudulent use of my identity. I have taken steps to protect my identity and am actively monitoring my credit. This breach has resulted in unauthorized use of my personal details, and I am not responsible for any debts incurred by these activities. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute the validity of this debt and demand that you immediately cease all further communications with me, including phone calls and letters. Your continued contact constitutes harassment and is a violation of the FDCPA. Additionally, under 15 U.S.C. 1692e, any false representation of the character, amount, or legal status of any debt is prohibited. Since I am not legally responsible for this debt, your continued efforts to collect are unlawful. I request that you provide : 1. Proof of my legal obligation to pay this debt, including the original signed agreement or contract. 2. Verification that this debt is actually mine, based on legitimate information and not as a result of identity theft. Should you fail to comply with this request, I will pursue legal action for damages related to harassment and violation of my rights under both federal and state law. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Washington State Attorney XXXX XXXX.
Product: Mortgage

In XXXX I did a refi and Wells Fargo bought the mortgage. Less than 3 months after they purchased my mortgage they said I was behind in my payment and I wasnt. They said I had to redo my mortgage because I was late and I was never late. I sent them three checks totaling XXXX in fees for redoing the loan that never was ever even started and they did an illegal foreclosure in fact I received a form for their XXXX class action suit but never received a XXXX from anyone. I filled the form out and mailed it in in the beginning of XXXX and they said they sent me a payout but didnt then when I checked again they said my name wasnt on the list. It was for fraudulent mortgage practices on my home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I want my XXXX back plus I should have been paid out of the XXXX XXXXXXXX XXXX they paid out for their fraud. Please see if you can track down the claim form the mortgage was in my name alone I did a no doc refi and they bought the note. They had no intention of doing a loan modification and I was never late on my payments ever. I sold real estate for 15 years and I knew they were screwing me over but was going thru a divorce and I told them that thats when they wanted the down payment for the loan modification they had no right to foreclose and I couldnt get any help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX  and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and XXXX  and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Experian and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you