23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The lender is one of a growing number which appears to be subjecting penalties targeting XXXXs who invoked forbearance protections in violation of VA Circulars not limited to XXXX, XXXX, the Cares Act, and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principal, seasoning of the loan does not apply per 38 USC 3709 ( d ). In XXXX I applied first for an equity line of credit. When that failed, I then applied for a VA Type II cash out refinance also in XXXX. The lender erroneously insisted because covid forbearance resulted in credit reporting suppression until XXXX of XXXX that no payments were made until XX/XX/XXXX. I explained that I continued to make payments despite forbearance credit reporting suppressions. Nevertheless, my applications where canceled because the lender insisted, I needed to make 12 months of payments for the equity line of credit. In the alternative, I would need to make 6 months of payments to obtain a VA backed refinance. 

When I explained to the lender no seasoning is required under the exception for Type II cash out refinances, my concerns were ignored, and my loan application was canceled despite superior credit worthiness. It is particularly inherently predatory and discouraging to XXXX for lenders to apply seasoning to all VA backed loans in violation of the statutory rights to the cash out refinance seasoning exceptions under 38 USC 3709 ( d ). Lenders are not allowed to consider XXXX an unsatisfactory credit risk since the Veteran received some type of Covid emergency relief. Pentagon Federal explicitly used deferred payments, or the appearance thereof based on credit suppression, as the sole reason to deny credit. This per XXXX XXXX by telephone and memorialized shortly thereafter by email seeking confirmation on XX/XX/XXXX. Even though I tried to reason with the lender outside of this process, such attempts are fruitless.
Product: Credit reporting or other personal consumer reports

TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit card or prepaid card

After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like it ''.
Product: Debt collection

XXXX Remaining Negative Accounts. 

Account Name : REGIONSBANK Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Checking or savings account

I received my social security payment every month and it never fails that I'm not able to access my money or use my card because they decide to do a security check now I'm XXXX and not able to get around so going to the bank in person is not an option sometimes. This prevents me from paying my bills or getting my medicine on time
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of such fraudulent information. 
The following accounts were fraudulently opened and must be blocked and deleted : Accounts : XXXX. XXXX  XXXX  Account Number : XXXX Date Opened : XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$210.00} Inquiries : XXXX/XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX
Product: Consumer Loan

I took out a loan with One Main Financial for {$7500.00} around XX/XX/XXXX and in XX/XX/XXXX, the company did a deferment payment without my consent. But, my main problem is the amount that they put towards the actual balance of the loan. My monthly payments are {$270.00} each month and from XX/XX/XXXX to XX/XX/XXXX, nothing from the amount I paid was applied to the balance. The first payment of {$92.00} was applied to the balance on XX/XX/XXXX. They did another deferment without my consent in XXXX. I was confused. On XX/XX/XXXX I made a payment of {$300.00} and nothing went toward the balance. On XX/XX/XXXX I made a payment of {$150.00} and nothing went toward the payment. In my opinion, this is criminal. I do understand that I was in need of financial assistance at the time and things were difficult but I have been paying this bill over a course of 2 years and I still have a balance of {$6300.00}. There is something that should be done to balance out. I do understand about interest and that the company has to make money but I find this to be unjust. This is taking advantange of people.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I contacted XXXX in order to obtain documentation and information on my account. However, upon speaking to the manager of my account, XXXX XXXX, I was advised that they would not provide me with anything from them unless I made a payment, signed a piece of paper, took a picture of my signature and sent it to them. Then, upon receiving the image, I was advised, by XXXX XXXX, he would send me an email receipt. I advised him I could not make a payment yesterday and did not feel comfortable sending my signature in that manner. He laughed and said he would not send me anything and when I asked to speak to his manager or someone else he laughed again and stated, No, you will not be able to speak to my manager and my manager does not want to speak to you, call back when you are able to pay, until then, have a nice day ( continuing to chuckle ). When I tried emailing them through there website and social media accounts requesting to speak to someone other than XXXX XXXX, they blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite mysubmissions, Experian consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

C tech collections to furnish incorrect information on credit file. This also is a HIPPA Violation. I continue to reach out to company, however ; non-complainant according to FCRA guidelines.
Product: Checking or savings account

In XXXX I disputed a transaction in the amount of XXXX posted by XXXX. I was never provided with any temporary credit while they investigated my claim as is the policy to do so. On XX/XX/2024, I received a letter stating quote : My transaction dispute was resolved. During our review of your account and documentation available to us, we determined no error occurred and that the transaction was processed as instructed. You have the right to request documentation we relied on in making our determination. 

I called several customer service agents that gave me the run around and transferred me to bank operations, which according to the ladies who answered do not handle these types of requests. All I want is the documentation of their determination as I am entitled to.
Product: Credit reporting or other personal consumer reports

The original creditor, XXXX XXXX sold the debt to Plaza Services without written consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I received a bill from XXXX XXXXXXXX XXXX from a XXXX in XX/XX/XXXX in  the amount of {$850.00} dated XX/XX/XXXX. I made the payment a day late in the mail but I sent them {$100.00}. I never got a bill after that not one. I thought the insurance company had picked up the remaining. <P/>I then started to receive phone calls onXX/XX/XXXX from XXXX XXXX with IQMS, LLC stating that I owe {$750.00}? I was trying to explain to her that I do not owe {$750.00}, I owe {$650.00} now because I sent a payment in already and why was in collections? I did not skip out on the bill? She said if I had read the bill correctly from the Dr. 's office, bill states that services are due at the time rendered and that they do not send statements out showing my remaining balance from the one payment??. She then stated that I can set up payment arrangements or I will be sent to the " investigation department ''. I told her Ok, how much? She said that it would be {$200.00} something but that offer only stands till the end of the day. I did not have {$200.00} and something that I can send {$100.00}. She then got really cruel and just threatening me that I will go to the " investigation '' dept. once again. <P/>I have been sending {$100.00} to this IQMS company for the last 3 months now, cashiers checks because I will NOT give them any information on me because she refused to send me an updated letter showing the correct amount. The first cashier check I sent was on XX/XX/XXXX for {$100.00} and it was cashed on XX/XX/XXXX, 2nd check was sent on XX/XX/XXXX and cashed on the XX/XX/XXXX. My 3rd check is going out today XX/XX/XXXX. I called XXXX on XX/XX/XXXX before I sent the letter asking if I could get a statement showing the correct balance and her was basically no. Since I refused to set-up payments she could not send one. That is incorrect. I did n't refuse to set-up payments, I just told her that I could n't due the {$200.00} something. Each time I send payment to iQuantified Management Services, I copy the old statement she sent me and cross out the date and the amount to place the correct amoutn and date I am sending my payment in. <P/>I received a letter from XXXX XXXX and amount shows {$750.00} that I still owe and in capital letters tells me that if the account is not paid in full by XXXX XXXX XXXXey exercise their right to refer my account to an attorney and report as paid credit. <P/>For {$550.00}, go ahead and report, I will dispute. And my account will be paid in full by the time they get a lawyer here in AZ. All I have been asking for from XXXX is a statement showing my remaining balance and she advised no, since I did not set up payment arrangements. <P/>Now they have been cashing my cashier checks and I do not get a statement?? Tell me this is right? All I want is the threats to stop and an updated statement showing my correct balance. My account will be paid in full in XX/XX/XXXX which I  have explained to her every month I send money with a letter attached to it.
Product: Mortgage

I was pursuing a mortgage with Suntrust and paid them an initial fee for an appraisal of the property. They told me that the appraiser told them that the property is a commercial farm. The property I wish to purchase is not a commercial farm as it only has a XXXX stall barn and about XXXX acres in pasture, AND the appraiser called my real estate agent to discuss the property but he never went to the property. The underwriter did not want to approve the loan due to my debt level and someone fabricated a story about the appraiser saying that the property was a commercial farm was the most important reason for declining the loan. They also were working off an old credit report with lower scores. They refused to listen to me and declined the mortgage. They told me that the appraisal fee would be returned because there is no appraisal but I have yet to see this. My complaint is that they have never returned the appraisal fee. The loan officer was XXXX XXXX based in XXXX, NC.
Product: Debt collection

A XXXX collection from XXXX XXXX XXXX XXXX opened on XX/XX/2021 was on my credit. That is not my home. Please remove from my credit
Product: Credit card

Hi XXXX, I received your response on cfpb regarding the above mentioned complaint and I do not know what you are talking about, it seems your team is not telling you, everything I provided to your team. I did provide all the information regarding the XXXX  disputes to your team additionally I also have brought up lawsuits against the hosts of the XXXX, because you guys did not credit me the money. Additionally, regarding the credit card charges, I did ask XXXX XXXX to report all the subsequent charges as fraudulent, so I do not know what you are talking about, all the charges were fraudulent and I should be getting credit for all those charges. 

I called you three times on the number provided.

Why is XXXX XXXX  doing fraud with me and not following the state and the country 's laws and resolve my dispute and the fraudulent charges?
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX 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, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX 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 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Equifax has several unauthorized and unverified inquiries on my credit report. Ive had several unsuccessful attempts to get these fraudulent inquiries off my report. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These are all inquiries I do not recognize and I want them removed from my report immediately. Thanks.