23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My XXXX XXXX XXXXor {$3200.00} for XXXX and has been paid in full. I have been paying my own insurance since 2003 and was never part of loan. 
I am charged {$420.00} for what I have no idea. XXXX never paid {$790.00}. SLS should not insurance. My property tax should be {$260.00} not {$420.00}. 

I need response 15 days or less no extension is allowed
Product: Checking or savings account

On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box. The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it. From my online account, I was able to see that someone signed on the back of the check and encashed it. My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX. I got the affidavit signed by myself and also from the Manager of XXXX XXXX. I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does. I don't have any options. I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check. Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
Product: Checking or savings account

Ive disputed XXXX & XXXX with Bank Of America. There was fraud that ensued on my account between XXXX XXXX & XX/XX/2021. They have completed their investigation and said there was no error when honestly I never received a debit card from them anytime of XXXX
Product: Credit reporting or other personal consumer reports

I disputed the account balance with TransUnion after fully paying off my debt with XXXX XXXX. Despite this, TransUnion still shows an incorrect balance of {$500.00}, which should reflect {$0.00}. Additionally, they closed and reopened the account, resulting in an extra XXXXXXXX XXXX  entry with the following inaccurate details : - **Last Reported** : XX/XX/year> - **Balance** : {$500.00} ( should be {$0.00} ) - **Highest Balance** : {$22000.00} - **Late Payments Added** : XXXX, which were inaccurately and purposefully added, further impacting my credit. 

The account status should reflect a {$0.00} balance and accurate payment history, as I have met my financial obligations in full. Please correct these discrepancies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigationXXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ADMITTED ON XX/XX/year> TO CFPB THAT THEY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX  XXXX ( ACCOUNT XXXX ). PORTFOLIO RECOVERY DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXXXXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. PORTFOLIO RECOVERY 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. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Mortgage

I became XXXX XXXX/XXXX/2016, was out of work and underwater with my mortgage so contacted Ocwen for assistance with HARP program, told do n't have that but will help me with HEMP. I advised Ocwen I was getting help from peers paying my mortgage so my credit score would not be affected, I provided all requested documents. During loan modification XXXX 2016-XXXX 2016 I experienced extreme frustration to get assistance.I was expected to provide documents in short periods, wait for followup calls, then asked to resubmit the same documents, sometimes more than once. I provided all documents requested. In XXXX 2016 Ocwen advised my modification was denied due to " I paid my mortgage on time, can only be approved once my mortgage is 6 mts late. However being 6 mts late does not guarantee approval ''. I have been misled by Ocwen and believe their process is not clear. I am aware Ocwen calls are recorded, which will show how I was misled. On further discussions with other lenders i was advise Ocwen does have the HARP program and should have assisted me. As of today XXXX/XXXX/16 I am still with Ocwen underwater with the mortgage, keep getting late fees and no assistance from them.
Product: Debt collection

On XX/XX/2019 I submitted a dispute to XXXX. ( for an error an account that I did not open. ) The collection agency ( C.B.A collection bureau of ameica ) denied my honest dispute. Saying i was the correct person that opend the account. which is false due to the fact I was XXXX  in the california state XXXX  system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card

In XX/XX/XXXX, I opened a college student credit card account with Discover Bank. At the time, I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I had a great part time XXXX  job that paid extremely well. However, I quickly began dealing with significant XXXX XXXX XXXX  distress because of my challenging coursework as well as personal matters that were incredibly challenging to deal with. As a result, I was laid off from my XXXX  job for a no-call-no-show. Ever since, I have struggled to find adequate employment to support myself while keeping up with my credit card bills and I now find myself receiving SNAP and XXXX benefits through the state of Virginia. In XXXX, approximately six months after opening my account and after already beginning to accrue a running balance, Discover chose to increase my credit limit from {$1500.00} to {$3000.00}, which I believe was a business practice in violation of federal law due to my heavy spending habits typical of a college student coupled with a complete lack of stable income. Nevertheless, I continued to struggle. Multiple times I reached out to chat with a live agent to discuss hardship options ( attached ), but none were sufficient given the fact that I am still unemployed due to XXXX XXXX XXXX XXXX. As such, I have not signed any agreement and the company continues to harass me, now threatening to report my account as a charge-off to the Bureaus should I not pay the minimum due balance of {$570.00}. This is simply unreasonable given my circumstances at the moment. In addition, Discover relentlessly called me from various phone numbers, blocked numbers, and VoIP numbers multiple times daily, usually in inconvenient situations or while driving my car for the entire six months during which my account has been considered delinquent. I finally chose to block all numbers and send written correspondence once again outlining my financial hardship, to which I received no response. All evidence for the above claims will be attached.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the date open of the account the Account name XXXX XXXX  Account XXXX XXXX reported is incorrectly on Experian, XXXX and XXXX ; XXXX the DATE OPEN is incaccurate. In addition, number of late payments and status of account on Experian do NOT match with Experian, XXXX, and XXXX. XXXX is incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
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 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.

SYNCB/ROOMS TO GO 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

These inquiries aren't mine, and I have no connection to the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on Experian and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XX/XX/2023 Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. 
As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. 
Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. 
I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. 
Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. 
I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. 
Yours faithfully, XXXX XXXX
Product: Debt collection

This is in reference to the account XXXX ( XXXX XXXX 2012 ) which was under both party names XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, a court order and judgement was signed and indicated that the vehicle was transferred solely to XXXX XXXX. Therefore, making this debt XXXX XXXX 's responsibility. The court order was signed by a Judge of the state of Florida. 

On XX/XX/XXXX, I sent a certified mail document along with the original petition where you will find on page 12 of the document under XX MARITAL ASSETS : The parties own to vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % for all payments. Each party shall keep their vehicle insured as required by law. 

This negative remark on my credit report in which you are reporting is hurting my credit score and hurting me from obtaining credit. 

I spoke to a few representatives and I provided some the attorney 's information as requested, and no one has made any attempt to contact his law firm. I am considering this vehicle no longer involved in a litigation as I am going to take measure of my own to resolve this. 

Since you are stating that your contract supersedes a Judge 's order/court order, I am requesting documentation of contract where it states this. 

I am asking that you relinquish my name from this contract. I already fulfilled my account ( XXXX XXXX '13 ) which has been paid in full.
Product: Debt collection

After my first complaint and attempt to collect all the verification documents I requested, this is my second attempt. I want All the documentation I requested including the signed purchase agreement between them and the original creditors, fdcpa gives me rights to that info, not just the documents they feel like sending. Attached is a copy of the letter they will be receiving
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I closed a home equity account with Union Bank in XXXX of last year. The Bank states " refinance your account with a new mortgage product with Union Bank.. '' ( letter dated XXXX XXXX, 2017, from Union Bank ) which was done in XXXX. 

However, the Bank continue to send statements bearing the account number from the old terminated account, and refuses to explain why. This old account had some undesirable features that I do not want to continue. When I request the source documents from the new mortgage account I get no reply.
Product: Checking or savings account

I called capital one banking about my business checking account. I was told they closed it due to an internal investigation. They didnt provide me with any reason why. There holding my funds, and I was not given any time line for when I should receive a check
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.