23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Better Mortgage Corporation and applied for a loan. After 45 minutes to an hour on the phone with the agent and providing all of my data for credit retrieval and wholistic financial overview, I was pre-approved for {$370000.00} with a down payment of {$11000.00}. I then began to view/tour numerous homes and after nearly 2 months, I made an offer on a home that was accepted. I paid approximately {$470.00} for the home inspection and placed {$4000.00} in escrow. When I sent the the contract to Better Mortgage, they refused to send my information to underwriting citing that my DTI was too high. I inquired about their process indicating that my DTI did not pose a problem for the pre-approval nor had I taken on any new debt since receiving the preapproval.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.
Product: Payday loan, title loan, or personal loan

I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$1100.00} Account No. XXXX Amount {$1000.00}
Product: Mortgage

company informed me that my sanitation bill ( solid waste acct. # XXXX XXXX XXXX, XXXX ) was a tax and they had a right to include it in my escrow. I paid my regular schedule payment and it was with-held as a partial payment and a late fee and late notice filed in XX/XX/XXXX with the credit bureaus and it dropped my credit score by XXXX points. XXXX XXXX Government returned my payment and advised that Caliber had informed them that, " they had the sole right of paying my solid waste payment ''. 
XX/XX/XXXX again they with-held my payment as partial after raising my escrow while I was challenging them reference nothing in my contract that they had purchased gave them the right to pay my solid waste bill ( garbage paid yearly ). 
They purchased my contract on XXXX from XXXX XXXX Bank. I had paid my garbage bill myself until year XXXX. Caliber attempted to force me to refi and I refused.
Product: Credit reporting

I have XXXX credit inquires on my credit report with equifax from some unknown company called XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I did not authorize these inquires. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to call experian on dec. XXXX regarding inaccurate information/old and couldnt resolve the problem. Experian still is reporting I have late payments 120 days past due when I brought the account up to date and XXXX XXXXXXXX asked them to remove the negative marks.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! XXXX is reporting the late payment in XX/XX/2023. XXXX is reporting the late payment in XX/XX/2023, and TransUnion is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>XXXX  and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, XXXX, and Equifax credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXXXXXX XXXX XXXX  own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed  XXXX   XXXX  that I was not authorizing this and to remove my resume form the potential contenders for employment.     On  XXXX   XXXX    XXXX   my credit was requested b y Arvest Bank Group  against my consent.
Product: Debt collection

Name of Collector : Progressive Management Systems - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Per my health care insurance the debt was paid in full and the balance due is {$0.00}, however ; the debtor refuses to update my account, and it continues to show as payment default with interest accumulating. 

I've already provided the email from the insurance company advising the member which is me does not owe any money, the payment was paid in full by the insurance company.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX credit card issued by BarclayXXXX. On XX/XX/2022, I contacted XXXX XXXX XXXX Barclay Card for the second time regarding the XXXXXXXX XXXX XXXX gift cards I was to receive as part of my rewards points were not available to me. I had previously contacted them regarding a physical {$25.00} gift card I had not received. BarclayXXXX did NOT replace the missing gift card and refused to do so. They only signed me up for e-gift cards. The gift cards that show on my account are NOT available to me for use because their website requires an authentication code be texted to my mobile phone. When I click the button to request the authentication code, an error appears. I called BarclayXXXX on XX/XX/2022 to request they fix the error with their website so that I could access my e-gift cards. I was told it would take 15 days to research the issue and I would receive an email. BarclayXXXX did NOT contact me to resolve this issue. I again called BarclayXXXX today, XX/XX/2022 to request an update. XXXX answered the phone and determined she would not help me. I was then transferred to XXXX who determined he would not assist me. I was then transferred to another department ( care, I think ) where I was promptly disconnected. It is clear to me BarclayXXXX  has no intention of providing the XXXX XXXX XXXX gift cards I am owed which is deceptive advertising ( and theft ) for the XXXX XXXX XXXX credit card program.
Product: Prepaid card

IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SST/XXXX with account number XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

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.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX XXXX XXXX account # XXXX but shows account # XXXX*********** under XXXX ) I am Attaching identity and proof of address.
Product: Vehicle loan or lease

I am sending a request for complain for my car loan because over the past months I have been making my regulatory payments,but my car loan has been charging me fees after fees. The credit sale contract was from XX/XX/XXXX-XX/XX/XXXX and I was suppose to finish paying off the car by the end of last year. They send me a notice of intent to repossess my car that if I don't pay by the amount of $XXXX by XX/XX/XXXX they will repossess the car out of the other amount of fees that add up to $XXXX. The name of the car bank is called Santander. If I've been making my payments and the car bank has been charging me fees over the past months I think it can be a fraud. I'll like for whoever reaches this complaint to investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

we dispute the transactions that Wasnt us because we are out of country and we fax so many times the copy of passport to Bank of America but they never taking cared of and kick balls everytime we called. Now they sold account to debt collection company. And act like they can not do anything and they have all the record that we provide
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX several XXXX transfers came from my saving account to people I do not know, as well as fake checks and wire transfers. This also happened on XX/XX/XXXX. My bank, USAA never informed me of this and had my account under investigation and finalized the investigation on XXXX XXXX on XXXX XXXX I called USAA as I couldnt seem to use my checking debt card and was informed of everything that had happened. I have been with this bank for 15 years, this is completely out of my banking character and dont even use XXXX . When asked how this happened they said it came from my device which is impossible as I know I didnt do it. Now all my accounts are frozen even though none of my accounts are negative and I need to wait 60 days because they and no longer doing business with me. My checking was a joint account so my husband and mine paychecks we cant access to pay our bills or fees out kids and the bank says there nothing they can do about it. So im a victim of fraud, Im out about 5k stolen from me and now cant pay my bills or feed my kids. How can someone who has been with this company for 15 years, military do this and be allowed to get away with it. I didnt nor would I chase fake check and send them to people all in one day? Idk even know who those people are. Or how it can be proven that it was done from my device cuz I have my phone and know for a FACT I didnt do this.
Product: Checking or savings account

On XX/XX/2023 my lawyer did a money transfer for a settlement that I won from an XXXX XXXX XXXX  case and they had it transferred to my found account and found froze my account because they said of initial activity even though I've had a chance for my lawyer before they still chose to freeze my account I've since then have provided my ID front and back and any other verification that they have asked for and they still have not and froze my account I need my funds as soon as possible
Product: Checking or savings account

Paypal has a {$2000.00} negative on my account in error. I paid for an item to a seller that has an account with them and they did not send the item to me. I sent bank statements, and I spoke to them as of XX/XX/XXXX without any results to Paypal. I was refunded by my bank but Paypal says that I owe them {$2000.00}. I have copies of emails that confirm that the seller did not send the item ( designer bag ).
Product: Credit card

Two purchases were made on different dates, one was a refrigerator for {$1600.00} for interest free for 18months and another two months later for 12 months. Both were being paid for separately on different bank cards. The {$1600.00} balance is overpaid by at least {$200.00} dollars and the Second purchase is showing that nothing was paid on it. As of XXXX of this year they stated that the two were combined, which it was not done by my wife or myself. now we have a balance of over {$600.00} that they want us to pay interest that will end up being more in less than 24 hours, after we waited the 5-7 days that they said that we would get back to us on after being escalated to a different department, which wasn't done. When I asked why I haven't heard from them they dodged the question and I got nothing resolved.
Product: Credit card or prepaid card

hello i habe been using my capital ine credit card for years without a single late payment. lately i got XXXX and i wasnt feeling well for XXXX weeks. my XXXX was on autopay and there was couple of returned payments not late payment though. i made payments again but there was other transaction that was going on in my checling so everytime it got returned. i was so sick i wasnt in a good mind state to think about everything. all of a sudden capital one closed my account without any notice. i called them asked them why they said because multiple returned payments and they dont reinstate my account.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} Late Payments : XXXX XXXX XXXX {$6300.00} 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

I submitted a complaint to Experian, XXXX and XXXX. about some errors that I found while looking over my credit report. For some reason Experian failed to investigate my disputes. I sent another letter out and got no response. Im not sure how Experian comes up with this FRAUD DISPUTE suspicion. Experian and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Nearly 2 months later Experian STILL has not mailed me my FREE annual requested credit report! Thank you.