23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I applied to refinance our mortgage with the lender that had the mortgage. We were conditionally approved with an interest rate on a 15 year mortgage. We submitted documents as requested. It took a lot of time from the lender to process the documents. As a result of slow response from lender, the lender requested additional documents which required additional time and effort to produce that did not reveal any negative information. The straw that broke the camel 's back, after several months, was the lender requesting tax returns for separate entities that we did not receive compensation from. Since our annual income was consistence and 80 % of the amount of the loan request, I refused to produce the tax returns because the entities were listed in the XXXX schedules of our personal tax returns. I believe that we were discriminated due to age since all of our income is retirement income.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Customer Service, I am writing to notify you that I am a victim of identity theft as a result of the Equifax data breach. My personal information has been used without my authorization, and fraudulent accounts and credit inquiries have been reported on my credit file. I am requesting that you block and delete these fraudulent entries from my credit report pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX & XXXX XXXX XXXX XXXX ) - XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file. 
Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report. 
To assist with your investigation, I have included the following documentation : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
Thank you for your prompt attention to this matter. If you need any additional information, please contact me directly at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against the company for similar violations. The rapid turnaround time of XXXX responses suggests that no meaningful review of my supporting documentation was conducted. Instead of engaging in a proper reinvestigation as required by law, Equifax appears to be relying on automated or superficial verification processes that fail to address the substantive errors I have identified. 

As a result of XXXX failure to investigate my disputes adequately, I have suffered financial harm, including but not limited to : denial of credit opportunities, higher interest rates, and damage to my credit reputation. XXXX negligence has caused undue stress and inconvenience, forcing me to repeatedly dispute the same inaccuracies without meaningful resolution. 

I am requesting that Equifax conduct a thorough reinvestigation of the disputed items, provide a detailed explanation of the steps taken, and furnish evidence supporting the accuracy of the reported information. Additionally, I seek appropriate corrective actions, including the removal of any unverifiable or inaccurate information from my credit file. 

If Equifax continues to fail in its legal obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my state attorney generals office. I also reserve the right to pursue legal action to seek damages for XXXX noncompliance with federal consumer protection laws. 

Please consider this my formal request for compliance and immediate corrective action regarding this matter. 

XXXX XXXX XXXX
Product: Student loan

I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting or other personal consumer reports

Ive asked Transunion to provide me proof that I extended authorization for these companies to check my credit they failed to do so Ive never authorized these companies to check my credit its a violation of my consumer rights I need these inquiries removed now
Product: Checking or savings account

I first had the issue with Arvest bank releasing my funds to me that I deposited. Because of how they had instructed my mom and I to sign the back of a check. Then they released funds and did not tell me procedure about how much I could use. So then a day later they take the funds back and close out my account. Staying at first the check was bad check. Which in fact it was not normal was it ever. Then they switched there story 7 times before finally just staying I can't get my funds released until the end of the month. I'm XXXX with XXXX due in XXXX and have XXXX kids. We are now out a home another month homeless and I have been to hospital XXXX due to XXXX XXXX and just can't believe this is happening. I did nothing wrong.
Product: Mortgage

XX/XX/2022 I received my papers to sign for my loan modification, I sent them all the required paper work that flagstar ask for paystubs, hardship letter and a copy of my deed and I still have not had this issue resolved. There is a name on my mortgage papers and flagstar says its also on my title. Everytime I call flagstar I get a new person and I have to start all over again with this process. I had a point of contact but everytime I call and ask to talk to him he is either busy or out of office. His name is XXXX XXXX loss Mitigation department at flagstar bank. XX/XX/2022 I spoke with a gentleman from flagstar named XXXX he told me he would send out a rough draft of loss modification with just my name on it and I still havent seen that.And now they terminated my loan and I have until XXXX to come up with XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # 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 an 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, credit repair services, or other personal consumer reports

I MADE A PAYMENT TO XXXX BANK, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX BANK OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.
Product: Debt collection

I file a complaint before about this debt for XXXX XXXX XXXX My ex wife and i had a car loan with cXXXX XXXX XXXX this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXX of XXXX i did a debt validation letter to them and they drop the balance to zero on this account .Now in XXXX of XXXX they must have sole this debt to Jefferson Capital Systems because now this collection agency have put it back on my credit report as of XXXX XXXX. This is fraud and i want it remove ASAP.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I called XXXX on XX/XX/year> at XXXX XXXX  ET and discussed with a customer service representative my issue. XXXX XXXX XXXX loans has since dissolved their website and phone number and I am unable to request any payment or balance information from them. I informed the representative that the balance they had on file was incorrect and was ~ {$1300.00} more than what I remember the balance being with XXXX XXXX. I requested a full payment history from the previous borrower ( XXXX XXXX ) and information on the balance at time of transfer. I informed them I would not make a payment until the balance was confirmed. I never received any mail, emails or correspondence with the information I requested. Today I noticed that a XXXX  day late notice was reported to the credit bureau 's and no XXXX or XXXX  day notice was reported. This has negatively impacted my credit score to XXXX XXXX where I might not be able to qualify for a mortgage loan. XXXX has stated that they will not perform any " Goodwill Requests '' and hence my credit score can not be corrected. I feel like I should have been given due process to contest the error before any negative credit reporting was sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.
Product: Debt collection

I was mailed a collection notice without me ever personally contacting XXXX XXXX XXXX. In the mail, they gave me 30 days to resolve an unspecified amount on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

These accounts were XXXX  opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/ XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX andXX/XX/XXXX, the creditor name on this account was changed from XXXX to XXXX  on my Credit Report. I have attached a screenshot.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against both TransUnion and XXXX regarding the inaccurate reporting of my auto loan account # XXXX with XXXX XXXX XXXX The vehicle associated with this account was voluntarily surrendered on XX/XX/XXXX, due to financial hardship. Despite this, both TransUnion and XXXX continue to report late payments through XXXX and XXXX, which is inaccurate, misleading, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

The ongoing reporting of late payments after the voluntary surrender date violates the accuracy requirements outlined in FCRA Section 623. Additionally, there are discrepancies in the balance amounts reported by TransUnion and XXXX, further highlighting the inaccuracies in the reporting. 

Summary of Issues : XXXX. Inaccurate Late Payment Reporting : Both TransUnion and XXXX continue to report late payments on this account beyond the voluntary surrender date of XX/XX/XXXX. 
2. Failure to Update Account Status : The account status has not been updated to reflect the correct status of Voluntary Surrender.

3. Discrepancies in Account Balances : TransUnion reports a past-due balance of {$14000.00}. 
XXXX reports a past-due balance of {$14000.00}. 

These discrepancies indicate that XXXX XXXX  is not providing consistent and accurate information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I received a text stating my bank account had been hacked and called the number. To confuse the hackers, I was instructed to go to my bank and withdraw cash to deposit into an atm. I was then led around XXXX to several ATMs trying to find one that accepted cash. When I did, I was instructed to deposit the cash into the machine to confuse the hackers further. After I discussed it with my family, I learned I had deposited into a bitcoin machine and essentially was defrauded for {$2800.00}. XXXX Sent Info : XXXX XXXX XXXX Address : XXXX Order # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention. The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the account after the company recognized the inaccuracy of the account. I kindly request a comprehensive investigation into this account and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called to dispute the information on my credit report with account XXXX ( automoblile loan ) and was constantly put on hold and for long periods of time and representative never came back to the phone. This account was paid out and should be closed. The account was paid by my CPI insurance and my gap insurance company, paid in full and should be showing closed in good standing. The rep constantly kept placing me on hold for long periods of time that I ended up hanging up after being on the call for so long.
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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, REF : XXXX XXXX XXXX  BANKRUPTCY, 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 an 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, credit repair services, or other personal consumer reports

Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
Product: Debt collection

A credit thief went to a car dealer in XXXX  Alabama, impersonated me and took out an over {$44000.00} XXXX  under my name, financed it with SE XXXX  Finance DBA OF WOFC ( account # XXXX ) and is not making the monthly payments on it. I complained to the credit companies on another case and found that this company also reported a new account on my name.
Product: Debt collection

This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX-XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
Product: Credit reporting or other personal consumer reports

click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/year>, I opened an account at Bank of America ( BOA ). I had previously been a bank of American customer. A few hours after opening the account, I attempted to transfer my XXXX service from XXXX XXXX to the new BOA account. Using the BOA desktop site, I could not complete the transfer of my phone number of email address from XXXX XXXX and received a message that neither were eligible for XXXX. I contacted BOA to resolve this. After several transfers and being told a variety of conflicting information, it ultimately came down to a block on my BOA XXXX account due to suspected fraud on my part. This was a surprise since I had not had an account with BOA for some time, the new account was just opened, and I had been using XXXX with no issue at XXXX XXXX. Not to mention I do not engage in illegal or fraudulent activity. I requested more information and was informed by BOA that they can not tell me any details and to speak to the person who reported the fraud, yet they could not tell me who that person was. I asked how to dispute this and was told there was no way to dispute the XXXX block. During the call, I tested my XXXX XXXX XXXX account and sent money to a friend without issue using the same email and phone I was attempting to transfer. The person I spoke to clarified that it was blocked at BOA only and still could not offer details. Since I can swear and affirm that I have not committed fraud of any sort, at BOA or elsewhere, I believe this is either a mistake or glitch on BOA 's side, or perhaps even someone acting out of vindictiveness by reporting me. I asked for a copy of my previous XXXX activity at BOA, but BOA would not provide me with this history either directly or through statements. Without the ability to dispute and without access to a list of my BOA XXXX transactions, I believe I am being treated unfairly with no way for recourse.