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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX  had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inquiries on my credit report that I have repeatedly requested XXXX and Transunion to be removed but have not been removed yet. I have made numerous attempts to dispute these inquiries with Transunion and XXXX but to no avail. 

I have provided all necessary documentation and evidence to support my claim that these inquiries are not valid and should be removed. However, despite my efforts, the inquiries still remain on my credit report. 

As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading information. It is unacceptable that the credit reporting agencies have failed to take appropriate action in removing these inquires despite my repeated requests.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in identity theft. As a consequence, several unauthorized accounts and inquiries have appeared on my credit report. I am requesting, under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you immediately block and delete all of the following fraudulent accounts and inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and fraudulent accounts that have been reported on my consumer credit file. Upon reviewing my credit report around XX/XX/year>, I identified several accounts that I did not authorize or open. These fraudulent accounts are damaging my creditworthiness and must be deleted immediately in compliance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ).

Fraudulent Accounts to Be Deleted Immediately : 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 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 Legal Basis for Dispute & Request for Deletion : Pursuant to 15 U.S. Code 1681c-2, I am a victim of identity theft, and as such, I have the right to request the blocking and permanent removal of all fraudulent accounts from my credit file. Furthermore, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), the credit bureaus are required to investigate and remove any disputed inaccurate information from my credit report within 30 days. Failure to comply with these consumer protection laws is a direct violation of the FCRA, subject to legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. According to the Privacy act of 1974, I have the right to ensure my private information isn't shared 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 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 XXXX XXXX, XXXX and Experian does not have my written or verbal consent to furnish this information. Any and all consent to XXXX XXXX XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

According to15 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 in 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 1681b of this title. XXXX XXXX XXXX, XXXX and Experian 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. due to lack of full disclosure of reporting errors.
Product: Credit reporting or other personal consumer reports

A complaint was filed against Experian for using stalling tactics regarding my disputes. On XX/XX/year> documents was submitted via the CFPB with attachments including copies of my document complaint # XXXX. Experian is saying they never received it, even though they changed my address. On XX/XX/year>, I again filed a follow up dispute and attache the same documents, CFPB claim # XXXX. Experian has my filed block where I can not access it, because according to the supervisor I spoke with after finally getting through after XXXX weeks, the documents was never sent to them by the CFPB. 
Given the fact that it is MY CONSUMER REPORT, Experian blocked access of my file where I can not access it, but creditors are able to access my file. Make that make sense Please see attachments! 

I also sent copies of the the CFPB complaints via CFPB to the General Counsel, Experian. The stall tactics being used by Experian is unacceptable. I understand that they are being paid billions of dollars by creditors to disrupt and destroy consumers lives, but it is unacceptable.
Product: Checking or savings account

On the morning of XX/XX/22, I attempted to use my ATM card ( issued by XXXX XXXX XXXX XXXX ) at a Bank of America ATM ( off XXXX. XXXX in XXXX, MA near XXXX  and XXXX ). I scanned my card to enter the ATM vestibule ; I was able to enter and the ATM appeared to be in working order. I inserted my ATM card, and the Bank of America ATM took my card and would not give it back. I was not given an opportunity to enter my PIN number. I called the phone number provided on the ATM machine, and was told that something must have been wrong with my card and to contact the bank that issued the card. I called XXXX XXXX XXXX XXXX immediately. They checked my account and my card ; there were no issues or flags with either. The expiration date on my card was fine, and the card is less than a month old so the magnetic strip was in good working order. XXXX was able to put in an order for me to receive a new card. 
My complaint is with Bank of America. I called a local branch, and I went in person to that local branch ( XXXX XXXX XXXX XXXX, XXXX MA ) for assistance retrieving my card since it will be a few weeks before my new card arrives in the mail. Bank of America employees proceeded to tell me that there was absolutely nothing they could do, and that the issue was with the card/other bank. When I explained that wasn't the case, and that I was seeking resolution, I was told that they can not retrieve cards from the ATM machine. They also offered no attempts at preventing this from happening to someone else ( ex : would not agree to have the ATM scheduled for service ). Bank of America refused to acknowledge the hardship that a lack of access to my money has, and at this point they have and refuse to return my property : my ATM card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit
Product: Credit reporting or other personal consumer reports

Its unauthorized and/or unverified information on my credit report. I called to get it verified with one of the creditors and was told that the items was not on my credit report but Experian and XXXXhas it on my report and my file should be the same with all 3
Product: Mortgage

I refinanced my home in XXXX of XXXX with Rocket Mortgage also known as Quicken Loans who are partners with XXXX XXXX to reduce my interest rate and to leverage my home equity to reduce the time it would take to have the PMI removed. 

At the time of refinancing with Rocket Mortgage in XXXX of XXXX, my home estimated value was {$460000.00}. Rocket Mortgage however used the XXXX value instead of the value during refinance. 

With my consistent payment on my Mortgage and the correct value of my house of about during refinance {$460000.00}, I have met all the requirements to have the PMI removed and I'm asking Rocket Mortgage and XXXX XXXX to remove the PMI from my mortgage. 

The current value of my is is now at {$560000.00} and I'm still being required to pay the PMI even though I have qualified to have the PMI removed at the much lower fair value of about {$460000.00} of my home during refinance in XXXX of XXXX.
Product: Debt collection

I am writing to address fraudulent accounts on my credit report causing significant financial harm. I demand their immediate removal to rectify this injustice. Other bureaus have complied, but I'm puzzled why yours hasn't. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Account # XXXX, 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
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. And my account was closed due to this Overdraft Error
Product: Mortgage

My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.
Product: Debt collection

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : CAPITAL ONE BANK USA NA # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX .They are in violation of FDCPA XXXX. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Product: Credit reporting or other personal consumer reports

There remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- -- -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Mortgage

My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.