23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started the refinance loan process with XXXX Mortgage around XX/XX/2021 and is still ongoing it is now XXXX XXXX Me and my spouse have questions and have sent several emails with questions about this refinance. 
We constantly receive emails to sign documents that have closing dates and rate locked dates that change which we do sign. 
So this is my complaint I have reached out to the Customer Care Support, Loan Officer and Mortgage Consultant for 2 months now.

I have sent these people emails and left phone messages along with my phone numbers where I can be reached I continue to get Closing Disclosures to sign but not one reply to my emails or phone messages. 
I also want to know if XXXX Mortgage is allowed to keep changing the Closing date and Rate locked in date as they please. 
I would like to include all the different amount and fees that continue to increase in these Closing Disclosure Documents but at this point I have so many me and my spouse have signed that both of us are extremely confused.
Product: Credit card

Truist credit Card appears to have been opened in XXXX and then reoopened in XXXX. 
This is not my credit card and I need it removed immediately. 
I never opened a Truist credit card
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. After trying to reach out to customer service, i received notice that my account was closed with no explanation of why.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX account # XXXX has violated my rights... 15 u.s.c 1681 section602 a.states i have the rights to privacy.. 15 u.s.c 1681 section604 a it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX XXXX of 2017. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX # XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
Product: Checking or savings account

I'm supposed to receive my direct deposit of my paycheck in the amount of XXXX on Thursday XX/XX/year>. I called Capital One bank and spoke to customer service and he claimed they are experiencing technical difficulties and that my funds should be deposited no later than XXXX on Thursday the XXXX of XX/XX/year>, now it is Fri XX/XX/year> and my funds are still not available in my checking acct, and I have been calling and left on hold for over 1hr 30 mins. And I would like a full investigation done of what is taking place with my funds. I want fulll access to my funds I'm and any fees that have been added due to this issue - refuned. I would also like cfpb to also provide their investigation and any fines that Capital One would be responsible for.
Product: Student loan

To whom it may concern, Last Friday, XX/XX/2018, I scheduled a payment of {$500.00}. Usually the money gets debited from my bank account the next 1-2 business days and is then reflected in my XXXX account the next day. However, it is now XX/XX/XXXX, almost a week later and the money has not been debited from my bank account. According to their website, it says " please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. '' However, as previously mentioned, the money usually gets debited from my bank account a day before it's reflected on the XXXX website. Therefore, even if the money gets debited tomorrow, it won't be reflected on my XXXX  account until Monday at the earliest, and I'll surely be gaining interest on my student loans until then.

If there was some type of hold up with my payment, I believe I should have been notified. In the meantime, this company gained a 5 % interest rate for an extra week. I think that's outrageous, exploitative, and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE
Product: Credit reporting or other personal consumer reports

I DEMAND THESE INQUIRIES ARE PERMEATED DELETED FROM MY CREDIT PROFILE IMMEDIATELY. SEE ATTACHED DOCUMENT.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$370000.00}. 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, credit repair services, or other personal consumer reports

Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXX I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX 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 XXXX XXXX XXXX. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX XXXX  account # xxxx # # XXXX XXXX XXXX account # XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX2 XXXX XXXX XXXX XXXX XXXX Are all unauthorized an have no Permissible use. 
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 if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

.

I can go on and on please validate an delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. 
Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Synchrony Bank, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 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 writen astrucions 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 agenc if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps dinging my credit score ever since I had a dispute. The first ding was for collection that was not mine -198 points. After their investigation and removal of collection they returned 51 points. Now they take 4 points off everyday my score was a XXXX now it is a XXXX. It has never been returned to the state it was in before this fake collection was put on. I also find it very odd they are allowed to give a credit score as they are biased. Biased as in everyday they send a join our membership and 1 hour later bam another ding. Everytime you don't purchase a hour later ding. Any and all credit reports need to be unbiased. They are using a credit score to make you purchase the product they are saleing.i find this unacceptable. Furthermore they reply we can't change your score because a computer does it all WHAT a computer runs everyone 's score?? No one can change. I think they lie and are manipulating scores to force people to buy products they sale.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), has recently filed a lawsuit against Experian, alleging system issues such as forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Debt collection

For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.
Product: Student loan

I consolidated my student loans in   XXXX   XXXX    . I began repaying my loans in    XXXX   XXXX     . I understand that my payments will apply only to interest until my interest balance is  XXXX  and then they will apply to principal. The payment history page of  XXXX   XXXX  's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.
Product: Debt collection

I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles.
Product: Credit card or prepaid card

I Brought It To " Citi 's '' ATTENTION Upon XX/XX/XXXX That MY UNSCHEDULED PAYMENT Of {$110.00} Made On XX/XX/XXXX HAD NOT POSTED TO MY XXXX CHECKING Which Ends In XXXX. 
( My CREDIT CARD PAYMENTS ARE DUE UPON THE XXXX Of Each Month ). 
During This Call, It Was Discovered That Citi Had Attempted My PAYMENT Of {$110.00} From A Different CHECKING In Which I HAD ALREADY CLOSED, And Ends In XXXX With XXXX ( I WOULD NOT MAKE ANY PAYMENTS FROM A CLOSED ACCOUNT! ) " Citi '' Recovered The PAYMENT from The CORRECT CHECKING ACCOUNT During My Call Upon XX/XX/XXXX. 

The BANK Error Is Now Being Deemed As A, " BAD CHECK. ''??? Citi Has Also Attached A {$29.00} Fee That Two Different Representatives Agreed To REMOVE : A, " XXXX '' Upon XX/XX/XXXX ; AND A, " XXXX '' XXXX. 
THE " BAD CHECK '' FEE OF " XXXX '' DOLLARS IS STILL INCLUDED IN MY CURRENT BALANCE. 
There Is A Difference Between " BAD CHECK, '' And WRONG ACCOUNT.
Product: Credit reporting or other personal consumer reports

i have already submitted my 605c forms through the cfpb, however after following up wiith transunion, they are denying that they have recived any dispuites through the cfpb
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of an account from my credit report that has already been removed from my XXXX report after a completed investigation. The account in question is : Creditor : XXXX XXXXXXXX XXXX  Account Balance : {$2700.00} Type : Charge-Off I disputed this account with XXXX, and following their investigation, they determined that the information was unverifiable and subsequently deleted the account from my XXXX credit file on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), all credit reporting agencies are required to maintain accurate and verifiable information. If XXXX has deleted the account after their investigation, this indicates that the information could not be verified. As a result, the same should apply to your records, and you must remove this account immediately. 
Additionally, per FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to provide only accurate and verifiable information to consumer reporting agencies. If an account has been deemed unverifiable by one agency, it is reasonable to conclude that it should not be reported by any other credit bureau.

I request that you complete your reinvestigation and remove this account from my credit file within 30 days, as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply within this timeframe will constitute a violation of the FCRA, and I will pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under FCRA 616 ( 15 U.S.C. 1681n ) and FCRA 617 ( 15 U.S.C. 1681o ), which provide for civil liability and damages.

Please provide me with written confirmation of the deletion or the results of your reinvestigation. If you choose not to remove the account, I request a detailed explanation along with all supporting documentation used to verify the accuracy of this account. If you fail to comply, I will have no choice but to escalate this matter further. 
I appreciate your prompt attention to this matter.
Product: Mortgage

on XXXX XXXX I appied for loan with hometown lenders aka XXXX XXXX XXXX XXXX ... my loan for a mortgage was denied XXXX XXXX would not give me any other information other than I was denied ... I find it hard to believe I have a XXXX XXXX XXXX ... I believe I qualify for a usda or conventional loan..street home lending group XXXX XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX acted in very bad faith I was wrongfully denied DISCRIMINATED... I am a single women person of XXXX and I qualified for a mortage for {$240000.00} with XXXX  ( XXXX XXXX ) XX/XX/2020...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from XXXX and experian. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now im vary confused as to what to do next. i cant be responsible for something thats not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}