23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A notice of dispute letter was mailed out and delivered to EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024. Since the notice of dispute letter has been delivered, I had been waiting on a list of inaccurate accounts in that notice of dispute letter to be disputing. Tonight marks the 30th day that I had been waiting and yet I still have not received been notified of any accounts going into dispute. I have checked for the status of the reinvestigation with the inaccurate accounts in question, but not one account has gone into dispute. EXPERIAN INFORMATION SOLUTIONS has allowed 30 days to go by without acknowledging my dispute letter. The letter was organically by me. I've provided all the appropriate documents, but yet no response concerning the matter. Per the Fair Credit Reporting Act 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), 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. My dispute has not been addressed at all. Per 15 USC 1681i ( 4 ) Consideration of consumer information - In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting an invalid account on my Experian credit report since XXXX. An XXXX XXXX XXXX XXXX has been reporting {$2400.00} debt on my credit report since XX/XX/XXXX. Experian has not removed the account I have no knowledge of. Experian hasnt provided me with no proof or evidence this account is even mine. Each time I dispute it, within a week or 2 it comes back as updated and continues to be on my report. I am so close to finally buying my first home and this account XXXX XXXX XXXX XXXX on my credit report is the only thing holding me back. An account I have no record nor knowledge of. Experian did not and has not done their part in following FCRA. Experian has now made it to where I cant dispute the XXXX XXXX XXXX XXXX and rejects my dispute. On XX/XX/XXXX Experian let me dispute the account again. Litterally opened the dispute today and closed it in the same day! How is that fair or following FCRA rules. I have sent letters, I have disputed it digitally. I just want this to end.
Product: Mortgage

In XX/XX/XXXX I applied for a refinance with Penfed. I was assigned to loan office XXXX XXXX NMLS| XXXX. From the beginning of the transaction I was approved for a mortgage with the following terms : 20 year mortgage 2.875 %, escrow waiver, debt payoff, appraisal waiver. From XXXX until XXXX I was assigned a processor XXXX XXXX that was very rude and continued to mishandle my file. Ms . XXXX ran my credit unnecessarily without my permission and in an effort to find reasons to have my loan denied. Ms . XXXX eventually completely stopped communicating with me and lied and stated she sent a denial letter. After many calls, emails and request for response Ms. XXXX reinstated the application and the case was assigned to XXXX XXXX. XXXX started processing the file which the terms never changed but the online portal did not accurately reflect my profile. I repeatedly asked that the loan type ( single family not 2 family ) and amount be corrected. It was not. Once I had turned in all of the updated requested documents Ms . XXXX continued to delay the processing. While she was out of town I was told that I now needed an appraisal. No one explained the change, no redisclosures were done and so I proceeded in XXXX to have the appraisal done. I paid for the appraisal and it was completed on XX/XX/XXXX. From nearly 2 months I was told the varying stories as it pertained to the appraisal including the appraisal couldn't be found and that the appraisal was not needed. But I was never given a copy of the appraisal which is what was required per the disclosures with XXXX. Finally after nearly 8 weeks I was sent a copy of the appraisal and scheduled to close. When I received the disclosures, the appraisal fee was not indicated as paid and there was an escrow. I contacted the processor, processing manager and loan officer. After several days I received a CURT response from Ms. XXXX XXXX stating the waiver was in the file the disclosures were not updated but the closing documents would be correct. On XX/XX/XXXX 7 months after my initial application with several additional cost, losses and credit pulls the closer arrived with documents with an escrow. I refused to sign. When I contacted Penfed XXXX sent me an email stating the escrows would not be waived due to my DTI being over XXXX. My DTI was always over XXXX from the beginning. My LTV is 54 %. I never agreed to an escrow. It is my belief that Penfed has acted in a predatory manner discriminatorily handling my file in an effort to deny my loan. I believe from the lack of service that this discrimination is a practice that is used to deny loans to minorities or to put minorities in loans that are either so burdensome that lose their home. Or to hold escrows for their own financial benefit. I believe this practice is being used against a particular class of applicants. Upon my refusal to close the loan officer stated she would request a return of my appraisal fee. I believe the acts of PENFED have been detrimental to my ability to get the best loan for me. The interest rates have increased, I have paid unnecessary cost and fees at a higher expense.
Product: Credit card or prepaid card

Im writing to complain about Bank of America credit card company. I am a card holder with Bank of America specifically XXXX XXXX Mastercard. On XX/XX/2018 and XX/XX/2018 had unauthorized charges totally over 8k. My XXXX  child snuck my credit card and wrote down the information on a piece of paper and began to charge over 30 times to a fraudulant company with out my authorization. At one point the credit card transaction exceeded beyond the credit limit by about 2k. Yet Bank of America continued to let these charges go through with out putting a fraud alert and stop to further use of access. On XX/XX/2018 when i noticed the unauthorized charges I immediately contacted the Bank of America fraud department while the the charges were still pending. I explained that I did not authorize these charges and the situation. Some but not all the unauthorized transactions were disputed and was given a credit of {$6600.00}. I called back the next day to inform them they did not include all the charges. They said they would and it never happened. I get a phone call from a fraud representative on XX/XX/2018 stating that my fraud investigation would be closed and all the credits applied would be reinstated. I asked why the representive told me because it was someone I knew and my own child that it was not fraud. I explained that i read my terms and condtions of my credit card and have a {$0.00} dollar liability towards any unauthorized transactions. The representative then hung up on me. I called back to speak with another representive about the situation and explained I thoroughly reads my terms and conditions of my credit contract and that my {$0.00} dollar unauthorized transaction does not exclude anyone including minor children or whom i know. I did not give authorazition for any of the transactions and that Bank of America was violating my terms and conditions of our credit card agreement. The federal trade commission anda states I am not liable for any unauthorized transactions and it does not exclude anyone. I reported the activity in a timely matter. I also explained that as a card holder i have very limited history of spending period and that based on the excessive charges and amounts to the same merchant and within a very small window time frame to include going over the limit which I never have, they should have protected my account security and done something to prevent this to where it wasnt exacerbated to this extent. As of XX/XX/2018 my fraud claim is closed. I have been charged back the unauthorized charges and Bank of America has not written me a letter of explanation. Although it says in the message center to see attached letter there is none. My account has always been in good standing and being over the limit on my credit card negatively affects my credit score and rating. Once again i did not authorize the charges.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to  report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX
Product: Money transfer, virtual currency, or money service

I enrolled with freedom debt relief hoping I could be debt free within a year and purchase a home. My American Dream, well I enrolled with the company 6 months ago paying XXXX a month estimate including hidden charges I wasnt aware of. Not one of my 6 accounts wherein the 6 months there was zero settlements. Before Freedom Debt I had zero late payment and a good credit score around XXXX. Now my score is terrible with more debt and facing bankruptcy. Now I caught new they are facing a class-action lawsuit. I need help recently wrongly terminated and retaliation on at my employment further comprising my status. I have finally received unemployment because won my appeal. But all the money just goes straight to child support and everything I am behind on. I know this is a lot and I can go into details but you get the idea! I am caught in the system of never ever reaching my American Dream is now gone in the wind.. Thank you please help me! SINCERELY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM CAPITAL ONE REFUSED. I HAVE NEVER BEEN LATE
Product: Credit card

In XX/XX/2016 I called in to the call center to see why my minimum payment had increased. One of the agents told me I was late paying more than two times in a calendar year and the interest rate had increased. I asked him to lower it back down, and I will continue my monthly payments. He said he can not change it because it is in the agreement that I signed. So I ask to get a copy of the contract that I signed. The agent said " you have to request the copy of the contract in writing '' and gave me the following address : CapitalOne - Department General Correspondence, XXXX. I sent a written request and I did not get copy of the contract. 
I have a charge-off on my credit report and I never got what I asked for, a copy of the contract before it went into default. 
This is a violation of 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1637 - Open end consumer credit plans ( i ) ( 4 ) AND 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681n - Civil liability for willful noncompliance For your knowing of such violations to credit disclosure and fair credit rating pursuant to 15 U.S. Code 1611 - Criminal liability for willful and 15 U.S. Code 1681n - Civil liability for willful noncompliance, I demand damages of {$5000.00} pursuant to Section 1611 and Section 1681 ( a ) ( 1 ) {$140000.00}
Product: Mortgage

We ( XXXX and XXXX XXXX ) have 4 mortgages that TCF bank serviced for 4 different rental properties we own. Huntington Bank recently acquired TCF and took over between XXXX XXXX. We have billpay and sent all 4 payments on XX/XX/2021 to TCF as the Mortgage statement still indicated that TCF still owned the mortgage for the XXXX statement. 1 of the 4 payments was received but the other 3 were cashed by the bank and never applied to my statements. I have called and email, I sent over the cancelled check and a screen shot of my bank statement showing that my account was debited. I have been repeatedly told that they can not track down these payments and I need to go to my bank to get more information. 

I did exactly as I was told on my statements and sent money, money that was cashed. And somehow now we are getting tasked with providing ton of additional work. This bank 's mortgage department has taken no accountability and instead of saying, " we're sorry, we will look into and correct this '' All we are getting is more things we need to do to figure out how THEY LOST OUR MONEY! 

Banking and mortgages are about trust, this industry lets our mortgage get bought and sold to anyone without our consent, the companies that are allowed to purchase these mortgages must conduct themselves with integrity and respect. This bar has not been met with Huntington National Bank. 

Loan account numbers that are affected : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Loan Payment that was received : XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I contacted Coinbase about my transaction to a person with the correct address. They informed me that the recipient got the money. Further research revealed they sent it to the wrong person. Despite providing clear documents, Coinbase hasn't addressed the issue despite multiple calls. The amount is {$1400.00}, and the date was XX/XX/XXXX XXXX XXXX
Product: Credit reporting

I originally had filed a complaint with CFPB against a debt collection agency XXXX XXXX XXXX XXXX XXXX that had reported a debt collection inquiry with all three credit bureaus ( Equifax, XXXX and XXXX ), which in turn lowered my credit score. That inquiry was not valid, and as such, I fought XXXX XXXX XXXX ( XXXX ) for them to remove me from their systems and remove the debt colleciton inquiry against all XXXX credit bureaus mentioned above. XXXX responded that they would in fact remove me from their systems as well as remove all debt collection inquiries made to the credit bureaus mentioned above ( Complaint # XXXX ). 
Equifax, unlike the other credit bureaus, have not removed the debt collection inquiry on my credit report as of XX/XX/XXXX. I am attaching the XXXX correspondence made through CFPB for CFPB to forward to Equifax as proof that the debt collection inquiry they have listed in my credit report should in fact have been removed since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft due to the following data breaches below ; 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 ), XXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX have compromised all of my data being shared from Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX2 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and inquiries.
Product: Credit card or prepaid card

I signed up for a BBVA XXXX Credit card in XX/XX/2020 because of a promotion they had. If a person spent {$4000.00} in 90 days or less, they would receive XXXX points. I met my spending but was only awarded XXXX points. I confirmed with my banker that I met the terms of the offer and he confirmed by email. But so far the bank has not awarded the advertised points. I'm attaching the terms.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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/year>
Product: Credit card or prepaid card

I received a bill from XXXX XXXX this week for XXXX. Last month I received a bill for XXXX and a late fee of XXXX. I paid the XXXX original charge. THis month I got a bill for the late fee with an additional late fee on top of the late fee. They did waive the second late fee but if this is there regular practice, then they have a problem. First XXXX late fee on a XXXX charge is ridiculous but to charge a late fee on top of a late fee and their rep says it because there is an outstanding balance. This needs to be investigated. If they did this to me, a knowledgeable consumer, how many more have they done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX NATIONAL RECOVERY AGENCY XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, XXXX keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that XXXX obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit reports caused by identity theft, which have severely impacted my financial well-being. Fraudulent accounts, including XXXX XXXX XXXX XXXX, XXXX XXXX , and XXXX  XXXX, and numerous unauthorized inquiries such as XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX , XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX ( multiple ), XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX, appear on my credit reports . Incorrect addresses, such as XXXX XXXX XXXX , XXXX, IL, and XXXX XXXX XXXX XXXX, XXXX, MN, and an employer, XXXX XXXX XXXX XXXX, have also been falsely attributed to me, while my actual address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. These inaccuracies violate 15 U.S.C. 1681e ( b ) ( requiring accurate reporting ), 15 U.S.C. 1692g ( creditor notification within 5 days ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( failure to validate debts ). Further, under 15 U.S.C. 1681c-2, I am entitled to immediate removal and permanent blocking of these fraudulent entries, yet despite submitting supporting documentation ( police report, proof of identity, and certified dispute letters ), no corrective action has been taken. I demand the immediate removal and blocking of fraudulent accounts and inquiries, correction of inaccurate information, and compliance with federal law to prevent further damage to my credit. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies.