23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently trying to do a refi on my property. During the title search a second mortgage is on there. 
I purchased the home in 2007. I had my first and second mortgage with XXXX XXXX, which went under. The second mortgage was sent to One West and I continued on with them. At some point, the loan was transferred again, however I never received any notice. 
I did not know who to call or where it went. 
To determine who now owns this loan I had to call the FDIC. I then called CIT bank https : //www.cit.com/, which is where they told me it went. 
After many hours and transfers, I finally got a live person who told me " I can see your name and address but that is all I can give you, our system is down ''. To which I asked when it would be back up. They couldn't answer if it would be days or weeks. 
This is a time sensitive document I need for a refi for an emergency, and I am unable to get what I need from a lender who never notified me of the transfer and can not give me the information now and can't tell me when that may be possible. 
This loan transferred well over 10 years ago and if I was properly notified, I would have been making payments to reduce the loan amount. 
Not notifying of a transfer should be illegal. 
I am now in a bad position because of the mishandling of my account by a bank. 
I would like to negotiate a lien release asap due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX XXXX XXXX all have been updated and is above XXXX. The issue is with my Experian that shows a score of XXXX. It shows three pending disputes. These disputes have been resolved and written off. Please contact Experian and have them reinstate my high credit score. I have bank and collection agency documentation showing all my debts are cleared and written off. Kindly have Experian update my account. Thank you.
Product: Checking or savings account

BBVA bought my bank ( Simple ) and transitioned my 3 checking and 3 savings accounts to BBVA accounts on XX/XX/XXXX. It's XX/XX/XXXX and I only have access to one of my checking accounts. The money in the other accounts is unavailable to me, I can't access it or transfer it. In addition I have not been able to establish online access to any of my accounts - the User ID/password authentication system is broken. I can not verify that my money is safe, and I don't have control over it. I also can not contact customer support to close my account or arrange to transfer my money away from BBVA to another bank, because BBVA has turned off customer support activity - calls to any of their customer support lines result in an automated request to " hang up and call back later ''.

As far as I know, BBVA has taken my money and shut down.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, XXXX and Trans Union XXXX XXXX XXXX. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Product: Mortgage

On XX/XX/2021, US Bank received my completed paperwork for a Loan Modification - Partial Claim Option. On or about XX/XX/XXXX, I received a packet from US Bank with new copies of the identical documents stating that there was a problem with the original documents that I submitted. I called the lender to inquire about the problem. I was told that my signature was illegible and needed to be signed in legible cursive. I told the representative that my legal signature is on all documents submitted and that the notarized signature that is on the document is proof of such. I also asked the bank to compare my signature from the original loan to confirm its authenticity. 
I was told that they still need my signature to be in cursive and legible and that if it isn't that they will refuse to process my Loan Modification paperwork and the entire amount would become immediately due and reported to a credit agency. I also submitted my complaint via email to US Bank on XX/XX/XXXX. I received an email on XX/XX/XXXX acknowledging receipt of my email, however I have not received anything else regarding my XX/XX/XXXX email. 
US Bank has no legal right to demand that I change my signature just to make them happy. I received the bill for the full amount due in question in the mail today.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some accounts listed have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

These are the Hard inquiries that needs to be removed immediately because it's fraudulent and inaccurate information XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit card or prepaid card

Financial hardship due to pandemic paid a fews days late in XX/XX/2020. Asked for forgiveness and correction of credit report by removing late payment/fee.
Product: Checking or savings account

My debit card was stolen and used by someone, I called the card issuer to file a report. After waiting several days I was informed that the claim was denied. I called to find out why, I was told that because I had made online purchases during the time frame that I MUST have had the card in my possession. Like most people who shop online the card information was saved with each merchant I shop with. 
The card issuer was very rude about the situation and said that their decision was final and I could write to the company president about the situation. 
All of the charges are as followed : XX/XX/2023 XXXX {$130.00} XXXX XXXX- {$11.00XXXX XXXX XXXX  {$3.00} XX/XX/2023 XXXX XXXX- {$9.00} XXXX XXXX {$33.00} XXXX {$74.00} XXXX- {$39.00} XX/XX/2023 XXXX {$13.00} XXXX {$31.00} XXXX  {$62.00} XXXX {$34.00} XXXX {$38.00} XX/XX/2023 XXXX {$20.00} XXXX {$32.00} XXXX {$34.00} XXXX {$78.00}
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Please remove these Inquiries from my credit report.

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

I obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all 3 bureau 's and received notice on XX/XX/XXXX that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date. <P/>TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, AND 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. 
.well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. 
Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX 

I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! 
I filed a dispute, does anyone know what else I can do?? 
Sorry this post is so long, any advice would be greatly appreciated, THANKS
Product: Credit reporting or other personal consumer reports

RENT RECOVERY SOLUTIONS ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). RENT RECOVERY SOLUTIONS DID NOT RECEIVE DISCLOSURE FORMS FROM REGAL VISTA WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION WITH A 3RD PARTY. RENT RECOVERY SOLUTIONS HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ( ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. ) 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Creditor making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Creditor giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. Creditor giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Debt collection

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries 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
Product: Credit card

For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.
Product: Checking or savings account

To Whom It May Concern : On XX/XX/2025 I initiated a transfer of funds, in the amount of {$400.00} from my American Express High Yield Savings account to my personal checking account at XXXX XXXX. It has not been one month and not only has my money not been sent to XXXX as instructed but American Express is incorrectly claiming that they have sent the money. I have verified with XXXX numerous times over the past month that they have no incoming transfers to me for the date American Express insists they completed the transfer. As such, my money, that was unfortunately placed in the hands of American Express, is now missing with American Express doing nothing to find and return it to me. As such, I am making this complaint in hopes of resolving this issue before having to resort to taking this matter to the courts. I gave my money to American Express to hold and manage, then gave clear instructions for those funds to be transferred to XXXX. American Express has not only failed to keep my money safe but is now attempting to evade blame as though they are not responsible for the funds that were placed in their care. 

Any assistance in rectifying this matter and recouping my money would be greatly appreciated. 

XXXX XXXX
Product: Debt collection

California company XXXX XXXX XXXX XXXX is attempting to shake down/extort me for an alleged debt owed. They are illegally operating as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and other phantom names that do not exist. The company has no DBA 's for any of these names and refuses to identify themselves on phone calls. The person I spoke with was XXXX XXXX, a known administrator of the company along with her husband XXXX XXXX. They are illegally pretending to be attorneys, when they are in fact not attorneys. They have told me a lawsuit was filed against me when no suit had in fact been filed, they have said there is an open investigation against me for breach of contract and malicious intent to defraud a bank, leading me to believe I had committed a crime and could be arrested. They have called my mother, sister, father and threatened them. They have left threatening voicemails and refuse to leave me alone and my family alone. Phone they have called from include XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this fraudulent account XXXX XXXX XXXX on my Equifax and XXXX XXXXXXXX XXXX  affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting Equifax and XXXX to remove.
Product: Checking or savings account

A scammer contacted me on my cell phone with USAA and their contact center phone number showing up on the caller ID. I answered the call thinking I was talking to my bank and the scammer convinced me someone had taken over my accounts and changed my contact information. Then I was asked to transfer all my money out of my other accounts and put deposit it in to the compromised account. I was told this was to put " security alerts '' on all my other accounts but in actuality it was to supply additional funds for the {$1000.00} fraudulent debit card transaction that was pushed through. This occurred on XX/XX/2024 and as of today. USAA still has not reversed the fraudulent charge.
Product: Credit reporting or other personal consumer reports

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. 
Account name : AMERICAN EXPRESS ACCOUNT XXXX XXXXXXXX, Account name : AMERICAN EXPRESS ACCOUNT XXXX XXXXXXXXXXXX, Account name : XXXX XXXX  ACCOUNT # XXXX, Account name : XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

My private student loan was originally for {$23000.00} taken out in XXXX. The interest capitalized upon my graduation XX/XX/XXXX. I have paid in total {$33000.00} back to my lender, however, my principal loan balance is only now down to {$21000.00}. I have asked Navient several times what I can do to pay off this loan faster and if they would work out a deal with me because I have already paid back enough to cover the original principal and original capitalized interest. They constantly say there is nothing that can be done. I am in the interest reduction program already, but I really want to close out this private loan as soon as possible. Its frustrating knowing Ive paid back all I owe and the capitalized interest and yet I still owe Navient over {$21000.00}! Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, XXXX has a XXXX order judgement that expunged all XXXX fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX ' complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.