23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIS IS NOT the same case #. SEND TO CEO of CFPB, now..1st, and importantly "I NEVER asked for a $XXXX (XXXX XXXX XXXX XXXX XXXX-JOKE) to settle, $XXXX(XXXX XXXX XXXX XXXX dollar including Predatory lending.  
I sent all case numbers to CFPB and once again CFPB went back to Bank Of America (which IS the LAST who purchased the "LOST/Damaged,etc, Loan, I was never given or seen Chain of  TITLE from BOA Ever given to me and BOA still did not furnish the title. 
 BOA still claims they did everything right BUT according to the Judgement. That judge  didn't know of lost mortgage,etc. nor knowing my husband (XXXX since 2004,no probate) which means I NEVER OWNED IT,dollar rights were in my husbands name and it NEVER went to Probate,was told by XXXX wasn't need'd!  My loans were sold down to BOA DAMAGED and Falsely foreclosed on due to constant Selling down to the CURRANT buyer, BOA. BOA  believe's they WON the case cause using FALSE documents,fancy legal terms (smooth talking to judge)  My attorney  wasn't aware of the " DAMAGED LOAN"  that was bought by BOA,it was my discovery So BOA feels they won this case (i'm sure many other's and put me through XXXX and still INSULT me by suggesting I WOULD LIKE $XXXX !! Look at all papers,and recent CFPD article stating the wrong doings. I will end with this,all damages( including, punitive damages) I Will close this case with $XXXX.  *NOT $XXXX* I will have no option but to re-open the case if necessary and have it taken to Higher court due to BOA is Insulting my knowledge and intelligence due to not know the "legal terminology(so they think)  -I WILL NO STOP until I GET JUSTICE of BOA wrong doings
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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since there is no account listed under my name, then by by law you have 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
Product: Bank account or service

For several years I have tried to get my home loan modified. Wells Fargo has taken me through the ringer and I have not gotten the assistance I need. I have re-submitted the requested documents several times, to keep my home from being foreclosed. I think this has occurred 4 times, most recently this year. My loan keeps increasing. I could barely pay it when it was {$2000.00} now it is {$2300.00}. I requested several times to get a fixed rate and to get a mortgage that was more affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( WFS ) & reporting account { XXXX }, is in violation of 15 USC 6802 " Obligations with respect to disclosures of personal information ''. 15 USC 6802 States : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This section also gpes on to speak about how a consumer has the right to opt out in section ( b ) which I, the consumer, never received from XXXX. Section ( b ) " Opt Out '' States : 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I, the consumer, never received from the financial institution a clear and conspicuous statement that my nonpublic personal information would be disclosed to third party non affiliates. Section ( b ) " Opt Out '' goes on to state how the consumer must be given an opportunity to before such time information is disclosed to opt out and not disclose such information to third parties. Part C ), the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never given an explanation from the financial institution XXXX XXXX XXXX  an explanation of how I could exercise a nondisclosure option which per this code must be given. The financial institution is also in violation of the privacy act of 1974.
Product: Money transfer, virtual currency, or money service

I'm genuinely concerned about how Zelle has handled disputes, specifically in regards to the recent CFPB lawsuit that showed issues with the platform. I've used Zelle countless of times while reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They said recovering lost funds were not possible. The CFPB 's investigation indicated that Zelle has not only neglected to protect consumers but it also allowed for the repeating of offenders to exploit the system 's flaws. I, we, were vulnerable to scams. Their lack of transparency is unacceptable and raises concerns for consumers ' safety.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies ( CRAs ) Equifax and XXXX for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both Equifax and XXXX. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, Equifax and XXXX have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that Equifax and XXXX conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to go into my XXXX and transunion credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in XXXX violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
Product: Vehicle loan or lease

I was doing dome inquiries about some cars and the XXXX XXXX XXXX   ran my credit with out my consent.
Product: Debt collection

My health insurance was billed for XXXX XXXX  in XX/XX/2016. The insurance company did not pay for the XXXX XXXX although they should have covered the costs. The lab billed me directly for the work ( {$72.00} ) but did not send me any notice.
Product: Debt collection

Grant Mercantile ( debt collector ) listed that I had a unpaid debt that was on my credit report from an XXXX XXXX who used my information fraudulently. The Unpaid debt that had a negative impact on my credit report was for an XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX XXXX XXXX XXXX : XXXX actually belongs to me.

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all

accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to take out a loan for {$400.00} thinking they were just gon na charge me like 40 % interest. They ended up charging me 700 % interest and making me pay 20 payments of {$110.00} totaling to {$2300.00}. I had no idea that they it was going to be that crazy high and it is said to be illegal in both my state and the state the online company resides in. They say in the agreement that they are a sovereign company and they can't be sued for their rate they are charging me in the loan agreement. I am struggling to make ends meet to the point I might be XXXX. I am in desperate need of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$290.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$820.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXXXXXX Balance XXXX : {$640.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a claim with Wells Fargo, claim # XXXX The company the claim was against has told me the money was given back to Wells Fargo but I never received any of the money, I was contacted by XXXX XXXX. 
Escalations Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And responded to her with a secure message via Wells Fargo portal, a voicemail and an email and have received no response after providing the information she asked for.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish description on consumerf gov so that others can learn fro experience. The CFPB will teps to remove my ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

on this day XX/XX/XXXX at XXXX XXXX time i tried to place a freeze on my transunion account. it said it wasnt available at this time. this should be made available to me anytime
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM 3949A AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing these accounts for the past few months and NOT ONE has furnished any proof that the 15 USC 1637 ( b ) disclosures were mailed or delivered not later than 21 days before the payment due date, pursuant to TILA 15 USC 1666b. Deceptive practices have taken place on behalf of these companies and they have WILLFULLY ignored, or forwarded information that I DID NOT ASK FOR. They furnished other information faster than what I ACTUALLY REQUESTED. For this, I have concluded that there is no proof of the disclosures being mailed or delivered not later than 21 days before the payment due date, therefore making these false entries, pursuant to 18 USC 1005. I request a block on this information, pursuant to 15 USC 1681c-2 ( a ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with Experian about an account that says I was a joint owner and it is charged off. The complaint number is XXXX. On XX/XX/2023 I received a email from Experian saying that were not going to remove the account because it was certified. I never received any certification. 

And then on XX/XX/2023 they responded to the Consumer Finance Protection Bureau that they were still investigating. They are clearly not taking me seriously and I am planning to escalate this as high as I need to. I am submitting proof that Experian says they are closing my dispute on their end but just stalling for time with my other complaint until it runs out of time. I feel like am being treated unfairly about my dispute because I am a woman.
Product: Checking or savings account

I got offered a job after applying to some site related to my university. A short while after, I was expecting an email to help me out with school, since I did not have any job or anything during the pandemic of Covid-19. So, I took the job offer, and performed the tasks required. I was given two checks by XXXX, my employer. When they deposited, I found out that they were a scam. By then, I had sent a total of {$3500.00} to XXXX XXXX, one of his customers. 

Today, I write to the Consumer Financial Protection Bureau to help me recover my losses. I have contacted Bank of America about my issue, but they have not done anything to help me. I was left extremely damaged within and find it hard to get through this adversity to this day. Bank of America rejected the checks XXXX had given me. In the next paragraph, I will specify the details more clearly. 

On XX/XX/2020, XXXX sent me a check via mail with a balance of {$1400.00}. This is what I deposited to my checking account that day. With this money, I sent {$990.00} to XXXX XXXX. This was done through XXXX. Later through the week, another check was sent to me, this time it was a check of {$2400.00}. On XX/XX/2020, this check was deposited to my checking account. With this, I was told to send {$2500.00} to XXXX XXXX. I did this on XXXX. On XX/XX/2020, Bank of America declined the checks, leaving me with a negative balance.
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, but this time, I was shocked to see unexplained discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the issue persisted. This situation is extremely frustrating, and I need the documents I submitted to be reviewed immediately so I can finally stop worrying about this.
Product: Credit card

I purchased two couches from Rooms To Go for {$1900.00} on XX/XX/year>. They arrived and they were not what I ordered. I contacted the store immediately and they refused to take the refund. The deliver drivers also refused to take the item. 

I disputed the charge with my bank, XXXX  XXXX XXXX, and they would not resolve the claim because the item was delivered to my house. 

Meanwhile, I have XXXX couches I cant sit in ( we are tall and they are very small ). The store kept refusing a refund. The bank wont help. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency appendix removal so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 busines s days for the investigation to be completed.      XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would tak e 60+ days  for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still  be 60-90 days before  my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.