23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my house with the same lender. The closing date was set at the end of XXXX and I had already sent in my payment for the month of XXXX. As there was to be two months of " skipped '' payments ( notice enclosed ), this would have been XXXX and XXXX with payments beginning XX/XX/XXXX. I called the broker, XXXX, who stated that Sun West Mortgage would catch the error and return the check. When the check was not returned in several weeks ' time, I began inquiries. They acknowledged receipt of the XXXX check, but after that, there is obfuscation only. One individual claimed that the payment was included in the return of the escrow account, which is false ( copy of the escrow balance and the check enclosed ). Enclosed is a copy of the letter which I sent to the CEO ( no name was given in the online information ). I have also enclosed a copy of the " stub '' from the statement for which the XXXX payment was made. I also received an email from a XXXX, Servicing Representative stating that they would provide me with a formal written response by XX/XX/XXXX which did not happen. Documents are in the attached PDF file.
Product: Credit reporting or other personal consumer reports

i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX  account ending # XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXXXXXX XXXX account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 or other personal consumer reports

didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file. I've furnished supporting documents for your scrutiny.
Product: Checking or savings account

My Chase checking account still Open in Locked status as of XX/XX/year>, I've requested Chase to close my account but it's still active but in locked status, my multiple requests to the bank by phone call and branch visit not gave me any resolution, please contact chase to solve this isuue. Thnaks in advance!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was denied coverage from XXXX XXXX XXXX due to a report from Lexis Nexis. One of the reasons was due to " Too many bank accounts opened within the last 2 years '' I have not opened multiple bank accounts within the last 2 years. This information is innacurate and false. Further, I was unaware this company kept a record of all bank accounts open under my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened : XXXX XXXX, XXXX  amount : {$6800.00} I called this company but no respond.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.
Product: Debt collection

I disputed this debt via multiple credit reporting agencies. XXXX and XXXX. I dont own and never have owned any solar panel on done any business with XXXX XXXX XXXX XXXX XXXX Ive contacted them via email. They keep sending letters that I owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} Million Settlement from University ... www.ftc.gov news-events press-releases XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} million to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Product: Credit card or prepaid card

I had a Credit Card for business, offered by Chase Bank. When the COVID-19 hit, in XX/XX/XXXX, Chase notified me that my credit card is closed and I can't make additional purchases. They didn't give me any reasons. I didn't commit any fraud or activity that would cause my card to be shut down. I had a credit limit of over {$40000.00}. That amount was helping me manage by business and make purchases while paying off the card at the same time to avoid interest rates. 

When Chase Bank shut down my card, not only I didn't have the buying power that I needed and relayed on for my business, but also, I had to close the XXXX balance in 30 days to avoid interest charges. That was not possible, especially with all the craziness that was happening around that time. I lost 30 % of my employees, and I was having difficult times keeping up with the payments. 

I contacted Chase bank via phone, bank in XXXX, and requested grace period to close my Credit Card without being charged interest fees ( $ XXXX ). As I was trying to make monthly payments towards my credit card, I was hit by huge interest fees that were increasing my balance, instead of decreasing it. 

I made a second attempt to reach out to Chase Bank and request grace period for paying out my card- but my request was denied, regardless of the COVID-19 circumstances. 

In total, I was charged in interest and fees for this particular Credit Card {$10000.00}. 

Currently, I have finally paid off the Credit Card Balance, plus an additional {$10000.00} on top of it. I am requesting to be reimbursed for this Interest Fees, that increased by Credid Card balance, and I had to pay additional Interest on the amount that included the interest already.
Product: Credit card

Home Depot is reporting two purchases on a card ( ending in XXXX ) which I have never had in my possession : {$380.00} in XXXX XXXX on XX/XX/, & {$120.00} in a XXXX Home Depot on XX/XX/. I have advised Home Depot that I never had that card, & that I did not make those charges. 

Home Depot removed the {$120.00} from my statement but the {$380.00} charge is still showing. I have changed my account password to help prevent this type of fraud in the future.

Home Depot is now tracking a new card # XXXX on my account. I have not received the referenced card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with XXXX XXXX because they gave my card information to Total AV on the internet without my permission or knowledge, and because if this, Experian lowered my credit score by XXXX points while at the same time trying to get me to purchase products on their website to increase your credit score, a blatant act of conflict of interest. Experian 's act of lowering my credit score also stopped me from being able to purchase an auto. Experian has also not gone through with a dispute that I made about a company called XXXX on my credit report, a company I know nothing about. I had to try to dispute this company a second time. 
I am complaining about Experian holding me XXXX by controlling my credit score while at the same time trying to get me to purchase products to increase a credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : BILLINGS ANESTHESIOLOGY PC ) XXXX Date opened XX/XX/XXXX Balance {$13.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX, XXXX XXXX XXXX XXXX. 
All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 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 of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The listed account ( s ) below has violated my federally protected consumer rights to privacy rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. An according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual whom the report relates according to 15 USA 1681 ( e ) ( b ). According to 15 USC 1681 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 s-2 they are suppose to not furnish any information relating to consumer to any customers reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/2022 I successfully completed the mortgage modification process with Midland Mtg/Division of MidFirst Bank and I made two payments of the new modification dollar amount of XXXX. I sent the completed paperwork back to Mldland Mortgage and I even called Midland and spoke with a rep before completing the paperwork to make sure I had done everything accurately. I mailed it back and called about one week later to make my third modification payment and was told my plan had been cancelled because the notary that signed it was licensed/authorized in IL not IN. No one told me the notary had to be IN because the property is located in IN. This specific rule is NOT listed on the instruction sheet I received for the modification paperwork. Now at this point I did request the have the papers sent to me again so I can correct this and was told ok, I waited five days called back and was told foreclosure proceedings had been started against. Now my credit file is ruined, has dropped over 50 points and court papers have been filed. 
This company gave me misinformation which caused all of this and it did not provide me with clear and accurate instructions. The harm caused here is serious to me and my family and my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2007 my credit was reported for a balance {$16000.00} I did not acquire for any one to report my credit without my consent according to the law 15 usc 1692g I DEMAND to dispute and validate all debts, or any portion thereof, the debt will be assumed to be valid by the debt collector.
Product: Credit card or prepaid card

I am a XXXX male and withing the last 6 months ( during the Pandemic ) Bank of America decided to close my 3 credit cards. They sent me a letter giving me generic reasons as to why my accounts were possibly closed. The last straw was the third one they closed. I called the bank and after getting transferred several times I ended up with a Supervisor who stated I was possibly a risk and the bank has every right to cancel my cards and there is nothing I can do about it. I need a credit card. I need financial support especially during these uncertain times however I cant seem to shake the feeling that because I am a minority with not much to offer they can just do to me whatever they want. I wonder to how many more minorities they've done this too. I am not happy with Bank of America 's practices, or how I was treated as a long term good standing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXXXXXX XXXX XXXX  That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Product: Student loan

I have asked and received nothing concrete about over payments I had taken from my check last fall that were not returned to me ever. By my accounting, Navient garnished all of my XXXX payments of XXXX, did not apply these to garnishments taken and have claimed now over and over I am not eligible for the XXXX private student loan forgiveness, as these loans were taken out between XXXX, my personal XXXX  score was under the amount based in the lawsuit and it met the qualifications. Based on my calculations, they have not returned at least $ XXXX {$1400.00} in overpayments for the garnishments, as well as at least $ XXXX {$26000.00} or more of the loans I had that qualified for this lawsuit. They have claimed to look into these, but have provided NO proof of their claims and my personal accounting shows I was over garnished AND eligible for a return of a lot of these loans that were settled once I closed on a home sale in XXXX of XXXX. 

So far this is also what I have learned : The Settlement was approved by the Court on Thursday, XX/XX/year> after a Final Approval Hearing on XX/XX/year> Since this settlement was approved, I have received nothing at all and I am eligible. Navient knows it too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..
Product: Credit card or prepaid card

I was trying to apply for a capital one credit card but I kept getting denied. I got an email shortly after saying the reason I could not be approved for a credit card was because I already have one with an outstanding balance. I went on to download and check credit sesame where it said I had XXXX $ in debt. I have never had a capital one account nor a capital one card
Product: Credit reporting, credit repair services, or other personal consumer reports

Validate Chapter XXXX Bankruptcy XXXXPlease view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers
Product: Credit reporting or other personal consumer reports

Trans Union has the following item on my credit report and it is not mine. I have had my information stolen and someone has opened merchant cash advances for company that I am not associated. I have brought this to XXXX XXXX XXXX XXXX XXXX over and they refuse to remove it and continuously tell me that the item has been verified as accurate and its not. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX
Product: Mortgage

I submitted a Request for Information to Nationstar on XX/XX/XXXX. Nationstar acknowledged my Request on XX/XX/XXXX advising that they would respond to the Request by XX/XX/XXXX. As of today 's date, Nationstar has failed to respond to the Request for Information.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report.
Product: Checking or savings account

I currently have my payroll check direct deposited into my XXXX account online. As of the XXXX I had my Tax refund deposited into the XXXX account. On XX/XX/year> they froze my account stating there was some suspicious activity going on with my account. 

I paid my bills out of my account including getting my sales taxes for my car, car note and other bills. I am a single parent and these funds are used to take care of my household. 

The bank neglected to give me any information and I can not view my account details. They have hijacked my account without any other details. Just suspicious activity and then blocked the account. I would like answers and my money immediately. 

You can not speak to anyone and when you call they are rude and said they can only reach out via email only and hang up.