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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is NO WAY XXXX XXXX, Equifax or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held XXXX by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/
Product: Mortgage

I requested that the funds in the prepaid principal fund be transferred to my monthly payment however, PHH responded that this had already been done and it had but that was a different amount and at a separate time. We had been in the HAF program and who paid additional funds that were suppose to be applied to our monthly payment but PHH but it in unapplied funds and also some of it to the prepaid principal. The current amount showing on our account in prepaid principal funds is {$680.00} as seen in the attached document. PHH has said that they do not see this on their end however, why and how is showing on our online account. I'm just asking these funds be moved to our monthly payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX XXXX day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XXXX XXXX, XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Mortgage

I have been struggling to reach resolution about my mortgage interest rate lock with my lender. On Thursday XX/XX/XXXX I received an email from XXXX XXXX. She replied that day copying in my loan officer to assist. However, my loan officer was out of the office thus preventing me from locking my rate on that day. 

Upon receipt of that email I attempted to lock in my rate a phone representative told me on a recorded line that i could only do that with my loan officer via telephone. 

I did not hear from XXXX or Penfed so I followed up on XX/XX/XXXX asking about locking in my rate. I got a auto reply that she was out of the office until XX/XX/XXXX. 

I received an automated message later that day that my rate has been locked in - nobody ever contacted me, there was no discussion about the option to buy points. I immediately emailed XXXX upon seeing this on XX/XX/XXXX saying that this practice was problematic and that I had been mislead by the phone representative and not given the option to lock in my rate in the days and weeks before. 
I was denied the option to choose from the published rates offered and also suffered harm due to unnecessary delay on behalf of my lender. 

My loan officer also advised that to " change '' my rate i would have to pay a XXXXpoint fee. This response is unacceptable. 

I have called several times and have not been able to speak to a supervisor about my concerns. I have been told several times that I will get a call back that never comes. I would like assistance with from your regulatory agency to assist with this request at this time. I have all exhausted efforts with the lender at this juncture. 

.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. 

Recently, I discovered that several hard inquiries were made under my name without my consent or knowledge. These inquiries, listed below, do not correspond to any credit application or financial activity that I have initiated. The following hard inquiries are unauthorized : XXXX 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 

I kindly request your urgent assistance in removing these unauthorized hard inquiries from my credit report as soon as possible. The presence of these inquiries not only misrepresents my financial behavior but also significantly impacts my creditworthiness. 

Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Product: Checking or savings account

The bank doesnt know where my {$3100.00} went.
Product: Credit reporting

I have contacted TransUion about XXXX XXXX XXXX XXXX Account Number : XXXX ) that is reflected on my credit report. When I contacted XXXX XXXX XXXX to inquire about settling the account they informed me that they no longer own this account. When I informed TransUnion of this to have them remove this from my report so that my report reflects correct information, the only communication that they will send me is a letter that says they have previously investigated this dispute. 

Information regarding this account has changed and should be reflected as such on my credit reporting file.
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. This collection agency is not licensed and bonded to collect from me in the state of XXXX  Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.
Product: Credit reporting

I sent an id theft affidavit to Experian to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.
Product: Debt collection

I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX   since my lease was up. They called me and told me about the debt, I then emailed my XXXX  and they told me that they could not take that.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1700.00}
Product: Debt collection

Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA
Product: Debt collection

Dating back to XXXX, Waypoint Resource Group claimed that I owed {$100.00} to XXXX. I disputed this debt several times with Waypoint. Over the last 7 years, I have consistently written to the Waypoint and XXXX credit bureau to dispute this debt.I have never received a response from the company but the debt is typically removed from my credit report after the dispute letter is sent to XXXX and Waypoint will wait 6 months or so and place the original debt back on my credit report as though its a new debt with a new origination date. This cycle drops my XXXX XXXX by XXXX points each time since its being added as though its a new debt... for example the origination date on my credit report shows XXXX instead of XXXX. Given that original debt dates back to XXXX, the origination date should reflect that and because its been 7 years, they should no longer be reporting this debt anyway.
Product: Consumer Loan

I received a letter in the mail from Discover Personal Loans offering me a personal loan. I looked over the offers and chose a {$25000.00} loan at 6.99 % for 84 months with a monthly payment of {$390.00}. AFTER Discover wasted my time with a bunch of questions and checking my ( excellent ) credit, they came back and, casually, offered me this loan for 18.99 % with a monthly payment of $ XXXX.This is after I told them I wanted to pay down a credit card that had an interest rate of 14 %. Why would Discover think that I would be stupid enough to accept a loan for 5 % more than I am currently paying? I declined to accept that offer. This sure has the smell of a classic bait & switch!
Product: Money transfer, virtual currency, or money service

Money sent unauthorized on XX/XX/year>XXXX  in the amount of XXXX. 
This transaction was reported, but resolution was denied
Product: Mortgage

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their failure to provide paper statements for my mortgage account, which has resulted in significant harm and financial penalties. Despite numerous requests for paper statements, Bank of America has consistently failed to deliver them, leading to confusion and difficulties in managing my mortgage payments. 

The lack of paper statements has made it challenging for me to keep track of my mortgage payment due dates and amounts. As a result, I recently experienced a situation where a check bounced due to the confusion caused by not receiving paper statements in a timely manner. This led to additional fees and penalties imposed by Bank of America, which I believe are unjust and unwarranted. 

Bank of America 's failure to provide paper statements is not only inconvenient but also harmful and unconscionable. As a consumer, I rely on paper statements to ensure accurate and timely payments, as well as to maintain a clear record of my financial transactions. The lack of this essential communication from the bank has put me at a significant disadvantage and has resulted in financial repercussions that could have been avoided with proper communication and documentation. 

I urge the CFPB to investigate this matter and hold Bank of America accountable for their failure to provide essential financial information to their customers. I also request that appropriate measures be taken to rectify the situation and prevent similar issues from occurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company over charged my balance, went from {$5400.00} to {$7300.00}. With {$950.00} in payments made that month and only {$550.00} in transactions that month. Called repeatedly spoke to multiple managers, they added up the transactions and agree balance is off. But refuse to change to correct amount. Which is damaging my credit score and being over charged by {$2200.00} in fees. Please help.
Product: Debt collection

i do not know of this debt, it appears to be bought/sold from one debt collector to another, i am the victim of identity theft and this debt appears to be the result of such, and the debt was never validated that i owe anyone, no proof.
Product: Mortgage

I have initiated the Refinancing process on XX/XX/2021 with Everett Financial Inc. DBA Supreme Lending. 
The initial Loan Estimate doc where the Interest Rate was 2.75 % ( 30 year fixed ) After five months, they have sent another Loan Estimate doc where the interest rate was changed to 3.25 % ( 30 year fixed ) and the estimated closing costs were {$21000.00} After another two weeks, they have sent another doc, Closing Disclosure where the interest rate was 3.25 % ( 30 year fixed ) but the closing costs were bumped to {$25000.00}, an increase of {$4400.00}.

On the attached docs, one can see the discrepancies between the second Loan Estimate document and the Closing Disclosure document : 1-the origination fee was changed from 0.873 % to 1.027 % 2-the appraisal fee was changed from {$960.00} to {$1400.00} ... a {$450.00} increase Besides the fact that this was dragging for seven months, without any clear communications, the final disclosures showed that this Brokerage firm is taking advantage of its customers ... a predatory, aggressive approach.

Not sure how these guys are even licensed to run such a business.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and XXXX. These accounts do not belong to me but yet they continue to report these accounts Sofi account # XXXX Sofi account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED FOR CREDIT CARD FROM XXXXXXXX XXXX  RECEIVED LETTER DATED XXXX XXXX2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( XXXX EXPERIAN ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... .. XXXX XXXX HAVE LIVED IN XXXX AT XXXX XXXX XXXX FOR 14 YRS. BEFORE THAT @ XXXX XXXX XXXX XXXX. ALSO IN XXXX FOR 29 YRS.