23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Sometime on XXXX, 2017, I was trying to get a copy of my free annual credit report online. But when I did to submit my request, the next web page tells me, that I am unable to process my request. It didnt say why or what options I can do to get it. And this XXXX of 2017, I have applied some credit cards and apartment rental application to do background check online, most of the applications are denied due to the 3 credit reporting agencies. And now, checking on my credit score go down because it shows on my reports that I have a hard inquaries showing on my reports to the 3 credit reporting agencies. I also found That there are some incorrect/unaccurate information on my reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. 


Please delete 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, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$520.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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: Student loan

i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Read. This is new information. 
AAG did not have permissible purpose to access my credit report. Even if AAG has permissible purpose, AAG did not have my authorization to pay another to access my credit report on their behalf. Why doesnt AAG pull credit reports themselves? 
AAG argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at AAG? HOWEVER, to make this worse for the consumer, AAG THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So AAG argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that AAG is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with AAG, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Product: Credit reporting or other personal consumer reports

Name : XX/XX/XXXXXX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report.

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XX/XX/XXXXXX/XX/XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Debt collection

COMPANY COLLECTION LAW FIRM WILL NOT REPLY BACK AFTER TRYING TO RESOLVE OUTDATED DEBT IN GOOD FAITH AND OR " XXXX '' SETTLEMENT ... AND 2 OTHER COMPANIES ASKING FOR SAME DEMAND OF PAYMENT ... VIOLATION " FDCPA AND FCBA '' ...
Product: Mortgage

I have been sending the same paperwork to underwriting on more than two occasions. The loan advisor is always busy and gave me the impression that all my documents were in order and misled me in thinking that I was getting approved. He mentioned that the underwriter wanted a document from the VA about a disability annuity that I was receiving. I told them that I was receiving an annuity from XXXX from my Postal retirement. I last spoke to my loan advisor on the XXXX of XXXX and I specifically asked him about my DTI. He stated that it was fine. 
This is the reason Im filing the complaint. 
XXXX XXXX XXXX.
Product: Credit card or prepaid card

Discover services closed my account and blocked my payment after an inquiry submission about a lost payment. After submitting a billing dispute and a CFPB complaint they closed my account and told me they closed it because we can. They will not investigate the late payment. It has been over a year. They have blocked my payments several times stating they now need the full amount. By doing so they caused harm by negatively reflecting false late payments to my credit and push the interest rates beyond XXXX XXXX XXXX  they also have pulled my credit falsely putting applications in my name then denying the applications. They have broken many laws and have committed crimes against me which has resulted in extreme hardship. They are now threatening to put me in collections without proper investigation and even in XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified th
is item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Checking or savings account

Today Tuesday XX/XX/year> upon doing my yearly audits of all my accounts for taxes. I noticed a plethora of unauthorized fraudulent transactions from one specific merchant that I've never used. Thinking my account must be compromised I immediately called CashApp to report the unauthorized charges. The Customer Care Rep whom assisted is named XXXX, I explained that these charges were not made by me. The agent was kind and helpful. He gave me my case number XXXX. He informed me that he will process the dispute for me, and it should take up to 45 days. I found it ironic how he didn't complete all the charges while he was on the phone with me. It was a bunch of charges, he stated he had to go because of call volume. But to rest assure he will process all the charges by no later than the next day. I then inquired about my account being credited provisionally. He stated Cashapp don't credit accounts until the dispute investigation is completed. I used to be a bank teller and I know under Reg E I'm entitled to a provisional credit if the dispute can't be completed in a timely manner. A little back history, I've been banking with CashApp for a couple years. I've used other CashApp products. Such as borrow and the overdraft feature. They make interest from me using the borrow feature which is fine. Also regular direct deposit from one of my employers. Never in years of banking with them have I ever disputed any transaction. I considered them a decent bank and myself a great customer. I would like these unauthorized fraudulent charges returned to my account. I would like this specific merchant blocked if possible so this won't ever happen again. I'm hoping CashApp represent me well as my financial institution and fight to have my money returned and to keep my account open and active. Any updates will be posted expeditiously.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have never missed a payment with my mortgage or been late. I sold another property I owned and on XX/XX/XXXX sent them a letter asking to recast my mortgage ( I was giving them an additional {$90000.00} towards principle reduction and also eliminate the mortgage insurance on my house ) They mailed me a letter on XX/XX/XXXX that told me to wire them the $ 90k plus {$300.00} fee to recast my Ameris mortgage ( loan # XXXX ) before XX/XX/XXXX. I did as instructed and sent them {$90000.00} on XX/XX/XXXX, it cleared XX/XX/XXXX. 
I continued to make my normal monthly payments. 
Beginning in XX/XX/XXXX, I began receiving notices of missed payments and foreclosure warnings. When I called customer service, they said a mistake had been made that the {$300.00} recast fee had somehow triggered an incomplete payment and removed my XXXX payment. They didn't know how to fix it. I was told by multiple agents to call back in 2 weeks, and I did, every 2 weeks, speaking to someone else since they don't have extensions they say. I spoke to supervisors and everything, with no avail. I have even called my previous loan originator, who no longer works at ameris, to reach out to someone to help me, since he knows higher up people. No one has ever reached out. I still get transferred to the collections dept whenever I call the hotline. 
I am now XXXX XXXX XXXX, and have lost countless nights sleep over this, and had to go to the XXXX XXXX due to XXXX XXXX XXXX. 
My credit score is over XXXX, I've never missed a payment on anything, and this is more then I can handle. Please help me preserve my financial and emotional integrity in dealing with ameris, I just can't anymore. I have more documentation and have saved all the pink notices from them if you need. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
SETERUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We had an attempted fraud which involved a Wells Fargo bank account. I received an email from an individual attempting to impersonate an employee at XXXX with an invoice/banking instructions attached. I typically report these fraudulent accounts to the bank in question. 

In this case Wells Fargo made reporting fraud on one of their bank accounts incredibly difficult. 
- I went to their website where I was directed to call a general line. 
- That line was not optimized for reporting fraud, and was instead just general customer service. 
- I had to wait until a general option presented itself as we are not XXXX customers. 
- I then talked to an agent. 
- Who forwarded me to an agent - Who eventually gave me the email address, but wanted to transfer me again
Product: Mortgage

Bank of America was aware that I was in the process of selling my property and they were notified of the sale date. I requested a payoff amount and then they hired an attorney to move forward with foreclosure. This added XXXX to the payoff amount which I am unable to pay. I have been in communication with them on a weekly basis and they assured me that the process for short sale would be started as long as I moved out of the property. I moved and saved the money to payoff the amount owed after the sale of the property and now I do not have the extra money for the foreclosure cost and attorney fees. I would like to file a complaint against them so that this does not happen to another potential consumer.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


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 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: Mortgage

I currently have a XXXX XXXX loan serviced by XXXX lending / aka mid america mortgage. We completed a refinance of our loan through this lender/provider in XXXX of XXXX. We received an amortization schedule for the loan that revealed the removal of the annual premium ( essentially the PMI ) on a date of XX/XX/XXXX. The reason the premium fell off at that time is because the rules for the calculation of the LTV on a Section XXXX loan are simple. As stated in the federal register : " This annual premium will continue until the unpaid principal balance, excluding the upfront loan guarantee fee, reaches 78 % of the lower of the initial sales price or appraisal value based on the initial amortization schedule. '' This was a refinance so there was no initial sales price associated with the loan so the basis of the LTV was against the appraisal " excluding the upfront loan guarantee fee '' that was paid when we closed on the loan. 

XXXX/mid america continues to state that our LTV is calculated based on the remaining principal balance divided by the appraisal value provided during the refinance. 

However the calculation should be the remaining principal balance, excluding the upfront loan guarantee divided by the appraisal value provided during the refinance. 

We even have an amortization schedule that was included in the closing documents that validates this threshold value XXXX the one that excludes the upfront loan guarantee fee that we paid XXXX. Despite presenting this evidence to their escrow department we received the following email from them : " Hi, We have received confirmation regarding the information in removing the PMI. The correct amortization schedule is from section XXXX. I have attached the amortization schedule showing the XXXX ( 77.9 % ) is on XX/XX/XXXX. 
Thanks Escrow '' Not surprisingly, nothing was attached to their email response. 

The math is simple ( per my attached documentation ). The original principal balance - {$360000.00} MINUS the loan guarantee paid upfront ( {$5400.00} ) / the original value of the appraisal of {$450000.00} is how the threshold value for the premium drop-off should be calculated.

This is my 2nd complaint with this organization ; I am unable to contact their escrow department in any other way other than email ( which is ridiculous ) and their inability to explain their bizarre servicing of my loan is extremely suspect at best. I suppose we don't have a lot of options when it comes to groups that provide Section XXXX loans but the ability to have a conversation around details like this are pretty basic things in my opinion and limiting the ability to communicate to only email is unprofessional and disturbing.