23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My spouse and I were in the process of buying a home. Someone posed as us to our escrow officer at First American Title in XXXX, California. In response, the escrow officer provided the fraudulent party with our sensitive closing documents starting on at least XX/XX/XXXX. These documents included our social security numbers and the numbers of all of our bank accounts. The fraudulent party then used these documents to pose as our escrow officer with us from XX/XX/XXXX onward. The fraudulent party sent us wire instructions for our downpayment on First American Title letterhead with information for a fraudulent bank account with XXXX XXXX. On XX/XX/XXXX we wired our downpayment to what we thought First American Title 's legitimate wire transfer in the amount of {$500000.00} to an account held by the fraudulent party at XXXX XXXX. We discovered the fraud around approximately XXXX the morning of XX/XX/XXXX when the title company asked why our down payment was not received. We then quickly notified our bank, XXXX XXXX. XXXX XXXX then notified XXXX XXXX about the fraud and asked to recall the wire transfer. We were informed that XXXX XXXX shared our documentation of the fraud with XXXX XXXX and that XXXXXXXX XXXX  froze the fraudulent account. However, we have not received any notice of how much of our money remains in the account or how or when our funds may be returned to us despite several requests for information from XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 has violated my rights. 
15USC 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 an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my XXXX XXXX, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
I have included letter to the court and letter from the court in this package. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

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

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX on XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the account listed is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Product: Mortgage

I have employed the service of a foreclosure defense attorney who has been helping me navigate the short sale process. My attorney has maintained constant contact with my lender, Fay Servicing. However, the lender failed to notify my attorney or her staff that the lender scheduled a sale date for my property. During the short sale process, my attorney was assigned to a single point of contact XXXX XXXX, who failed to make a good faith effort to disclose all pertinent information related to my account or account status my attorney contacted Fay Servicing beginning on XX/XX/18 to the current date. On multiple occasions my attorney called XXXX XXXX, my single point of contact and asked if there were any new notes added to my short sale file or my account. On multiple occasions, my attorney asked Fay Servicing if there were any changes to my account status and XXXX XXXX failed to disclose that the lender scheduled a foreclosure sale date on my property while simultaneously falsely communicating with my attorney that there were earnestly reviewing my account for a short sale. It amounts to dual tracking and is illegal. A lender assumes the role and responsibility to disclose ALL information related to the status of a borrower 's account. They failed to disclose information to my attorney who contacted my lender on a weekly a basis. My attorney asked XXXX XXXX on XX/XX/2018, XX/XX/2018 and XX/XX/2018. XXXX XXXX lied to my attorney and said that there was no foreclosure sale date on my property. On, XX/XX/2018, my attorney spoke to XXXX XXXX 's manager, XXXX XXXX and he said that he didn't know why XXXX XXXX would have lied or provided false information about my account status. After pressing XXXX XXXX for a full and truthful disclosure, did he admit that the lender scheduled a sale date for my property on XX/XX/2018. Fay Servicing engaged in inequitable and fraudulent conduct when servicing my loan. As a fiduciary, Fay Servicing failed in it's implied duty of good faith. Furthermore, Fay Servicing stands to benefit from misrepresentations that XXXX XXXX and XXXX XXXX made to me. Fay Servicing is liable for constructive fraud. The lender has a duty to disclose all information related to servicing my loan and repeatedly failed to do so. I employed a foreclosure defense attorney to communicate directly with Fay Servicing. Fay Servicing is by far the most mendacious lender with unscrupulous lending practices.
Product: Credit reporting or other personal consumer reports

I am filling the following complaint against EXPERIAN 15 USC 1681c-2 Under Section 605B, I have the right to request that fraudulent accounts be removed from my credit report when they are the result of identity theft. I believe these accounts were opened fraudulently in my name without my consent or knowledge, and I request that the following accounts to be removed. 


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 has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

The Debt Collection Company, NCSPlus Incorporated, contacted me in XX/XX/XXXX to request that I pay two debts from past medical bills. These debts were from an XXXX  XXXX, XXXX XXXX. The debts were from two different dates and each were for {$14.00}.

I sent payment as directed by the letter from the Debt Collection Company and included the account number, XXXX, on the checks. These cancelled checks, XXXX and XXXX, are attached and show that they received and collected this payment. These checks were cashed on XX/XX/XXXX and XX/XX/XXXX, respect

ively. In fact, I accidentally paid too much. One check was for {$14.00} and the other was for {$28.00}. Therefore, I have paid {$42.00} on a debt of {$28.00}, which should make my account paid in full. Despite this, I received four letters d
ated XX/XX/XXXX, after the date that they cashed both of my checks. The letters are attached, and they appear to include duplicates. Two of the letters state the exact same account number, XXXX, and claim number, XXXX. The other two also contain the exact same account number, XXXX, and claim number, XXXX. They threaten reporting these debts to credit bureaus, even though I have proof that these debts were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling Experian, XXXX and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX  XXXX XXXX XXXX La, XXXX is my correct previous address. 

Experian has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW XXXX, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Refuses to let me file a dispute, and or get my credit report! I need to Dispute my XXXX XXXX XXXX XXXX XXXX Account. Judgment was rendered in my favor from a debt lawsuit and the account needs to be removed pursuant to the FRCA, the account needs to be disputed, and removed!
Product: Bank account or service

Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds.
Product: Checking or savings account

Merchant name : XXXX XX/XX/XXXX, XXXX XXXX, XXXX 46 COMPLETE TRANSACTIONS {$3600.00} TOTAL COLLECTED I have an upcoming transfer of {$2300.00} that has not been paid for over a year. 

The account is under XXXX, XXXX They will not respond to customer support inquiries, emails, or calls to help me.