23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of completing a deed-in-Lieu on my property through Wells Fargo Home Mortgage. I unfortunately have a lien against my home in the amount {$8000.00} that is preventing my property from completing the DIL. The lien holder is refusing to accept any amount other than what 's owed in full before they will remove the lien. Even when I requested an affordable repayment to remove the lien, the answer was still no. I contacted the XXXX for help, but their payments were just as much as my monthly mortgage payment. As a result my property will now go into foreclosure. I 'm working very hard to prevent that by working with the lien holder and the junior mortgage holders on my account. But I feel like I 'm spinning in circles. The junior mortgage and lien holders are giving me a hard time. And I 'm not getting any real assistance direction from Wells Fargo. I need help. Please help me. The mortgage company did grant me some additional time to gather the documents I attached. But time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received notification from XXXX XXXX that my credit score had decreased. I pulled down my credit report and noticed several hard inquiries on my credit report. I called and asked them to remove them as I am a victim of identity theft and they ( a ) Accuracy and fairness of credit reporting. 
The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Stated they would reach out to the creditor. Transunion has violated 15 U.S. Code 1681, Attached is a copy of the FTC Statement, Credit Report from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. 

I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried disputing several inaccuracies reporting on my credit file. Experian has stated these accounts have been verified by the creditors. I don't believe that an accurate and complete re-investigation was performed due to these disputed accounts still appearing on my credit file with inaccurate data fields reporting. I have also requested the procedures used to verify these accounts and Experian has not honored my request for the procedures used to verify these accounts, as per the FCRA. I have listed the accounts that are appearing inaccurately on my credit file below : XXXX/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor an no validation has been provided. This account is inaccurate and unverified. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX - This account is missing data fields and is reporting inaccurately. The high balance is incorrect, the closed date is not reporting on this account and the date of last activity is inaccurate. This account is also reporting inconsistently information, which does not comply with metro2 guidelines. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX/Acct # XXXX This account is reporting on both XXXX and Experian with inconsistent information being reported. Experian is reporting a high balance of {$0.00} and XXXX is reporting a high balance of {$620.00}. This account is unverified and doesn't comply with metro2 guidelines. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed to find public records on my credit report without any apparent reason,
Product: Credit reporting, credit repair services, or other personal consumer reports

So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.
Product: Credit card

My complaint is with American Express. I have had a American ExpressXXXX card for a number of years. Because my roundtrip mileage to visit the nearest XXXX was eitherXXXX miles to the XXXX PA area or XXXX miles to XXXX MD and they opened a XXXX 's XXXX XXXX only XXXX miles ( RT ) from my home, I decided to allow my AMEX/XXXX to expire XX/XX/XXXX. I continued to use my card XX/XX/XXXX accumulating approximately $ XXXX in cash back rewards. Since AMEX severed its relationship with XXXX, I was told that I was no longer entitled to any of the accumulated cash back rewards. I find it interesting that AMEX gladly accepted my charges for more than a year including a {$10000.00}. charge XX/XX/XXXX, after my XXXX membership expired. I have tried to resolve this by phone on several times, but have not been successful, only getting contacted with their overseas customer service, who claims they were unable to transfer me to the US offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I do not want these accounts in my report because they are not mine, they cause me problems and I want them to be eliminated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees. Despite having sufficient funds when transactions were authorized. I was being charged lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Iam filing this complaint becuse Experian has ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Best Egg on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge should include all fees associated with the extension of credit. Best Egg charged me an Origination fee separate from the finance charge. XXXX XXXX Bank is listed as the Lender in this consumer credit transcation.
Product: Debt collection

CACH , LLC WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY XXXX. ON XXXX XXXX I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XXXX XXXX WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF CACH , LLC AND XXXX HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

In accordance with the fair credit reporting act XXXX XXXX Account Number:XXXX has violated my rights under 15 USC 1681 and USC 1666B .

15 USC1681 Section 602 States I have a right to privacy. 

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written consent. 

15 U.S Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph to the term " consumer report containing information solely as a transactions or experiences between the consumer and the person making the report. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXXXXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
TJMaxx mastercard had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Product: Mortgage

I made a mortgage payment on XXXX XXXX with extra towards escrow. They applied the entire amount to escrow. I have been trying since XXXX XXXX 2016 to get this corrected to no avail, now it has been put against my credit. I have called 5 times to get the issue resolved and keep being told it will be another 2-3 days. I have also sent a fax ( that they requested ) twice on the XXXX and the XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my 3 credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

EXPERIAN : XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXX 
Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX XXXX : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXXXX/XX/XXXXXXXX Inquired On XX/XX/XXXX
Product: Checking or savings account

I called Capital One about a fraudulent check being used to steal funds from my account on XX/XX/2024. Someone stole {$9100.00} from my account without my knowledge or consent. The representative I spoke with was very one-sided and continued to interrogate me, and not actually submit a fraud claim on my behalf. I requested a fraud claim confirmation and was told they only referred my issue. There is no evidence of me filing a fraud claim, and I can't get any help.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX  Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Checking or savings account

JP MORGAN BANK CHASE BANK, NA Continues to report to this day to XXXX XXXX up till XX/XX/XXXX per XXXX  report dates XX/XX/XXXX for the XXXX  checking account ending in XXXX charge off closed XX/XX/XXXX with a balance of {$1800.00} that was reported to Chase as fraud on or about XX/XX/XXXX and XX/XX/XXXX due to fraudulent payday loans. Also the balance was discharged on XX/XX/XXXX bankruptcy case XXXX and should reflect a XXXX balance.