23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Please re-investigate the items below : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN CO ) Equifax Account # : XXXX Account Type : COLLECTION Account Type - Detail : - Collection Account XXXX Code : Individual Account Account Status : Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$210.00} No. of Months ( terms ) : - High Credit : {$210.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Equifax Account # : XXXX XXXX XXXX Code : account Collection Individual Notsatisfying XXXX Collecion Individual Account Account Status : Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$580.00} {$580.00} No. of Months 1 Month ( terms ) : High Credit : {$580.00} Credit Limit : - Past Due : XX/XX/XXXX {$580.00} {$580.00} - {$580.00} Payment Seriously past due date / assigned to attorney, collection agency, or Status : credit grantor & apos ; internal collection department
Product: Debt collection

This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.
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 XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}
Product: Debt collection

I have a a unverified account from FAIR COLLECTIONS & OUTSOURCING. I had previously disputed this account. I have never done business with FAIR COLLECTIONS & OUTSOURCING # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FAIR COLLECTIONS & OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FAIR COLLECTIONS & OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX, XXXX - XXXX
Product: Credit reporting or other personal consumer reports

While checking my updated credit report, I noticed several erroneous items that I did not authorize, I am unaware of, and believe to be fraudulent made by the following credit bureaus.Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 : {$18000.00} XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Last month, HSBC closed my account for " no reason, '' and deceived the regulators with complaint XXXX, whereas HSBC overseas received serious allegations from HSBC USA . That's not all ; HSBC USA itself claimed it was going to return my money and pretended to send out a banker 's check on XX/XX/XXXX. Yet, almost a month has passed and I have not received any banker 's check. When I contacted the bank, they maintained that their records showed it was sent, without providing any tracking numberhow ridiculous! When it comes to returning money, it's based on their records? The truth is, they haven't sent it, because if they had, they could contact the courier to claim compensation. They definitely wouldn't dare, because they haven't sent it out. 
HSBC also said that if I had not received anything by XX/XX/XXXX, I should contact them. I was concerned that there might have been a delay with the courier, so I waited an extra week, but still received nothing. When I contacted them again, they kept giving me the runaround, insisting that it had been sent. 
They also said that the money had already been returned to me via a cashier check, and that it's no longer with HSBC ( Could this mean the money has already been withdrawn from HSBC? ). The bank has done its duty ( Is withholding the money considered fulfilling their duty? ).
Product: Debt collection

It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I am trying to figure out why I continue being charged PMI insurance. My home was apprised almost a year ago by Quicken and I have clearly paid off more than what is needed to drop the PMI insurance. when it inquired they just tell me it will drop off automatically when it should. My loan with them should be paid off within the next 3 business days but I would like an explanation and refund for all the PMI insurance I have clearly been over charged on.
Product: Mortgage

On or about XX/XX/XXXX, XXXX XXXX XXXX, XXXX executed a Deed of Trust in favor of Prosperity Bank, securing a loan of {$500000.00} against three pieces of Real Estate in XXXX and XXXX Counties. While the Deed of Trust was recorded in XXXX XXXX on XX/XX/XXXX, it was only recently recorded in XXXX XXXX. On XX/XX/XXXX, I sold property on Lot XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, to XXXX XXXX and XXXX XXXX for {$280000.00}. 

Before the sale took place, I proactively reached out to Prosperity Bank via email on ( XX/XX/XXXX ), requesting the release of the lien and an updated balance. These emails were ignored, and no action was taken by your institution. As a result, the sale proceeded without obtaining the necessary lien release. As a direct consequence of Prosperity Banks failure to respond to my requests, I was facing significant financial distress, including the threat of foreclosure on two of my properties. Furthermore, an important business transaction, that was scheduled to close on XX/XX/XXXX, was at risk because I was unable to access the necessary funds from my line of credit due to unresolved lien issues. 

XXXX XXXX bullied us into paying down significant amount of money and threatened us to foreclose on our properties. I was in a very significant business purchase at the moment when prosperity bank decided to pull the rug from under our foot and put us in a very stressful situation. 

I had to take a personal loan from my family member to close on the business transaction and also pay down prosperity bank. This also caused us to loose reputation in business relationships. I am still not able recover from the financial loss. 

The failure to act on my requests has placed me and my family in an untenable position, and I believe this situation could have been avoided had Prosperity Bank acted responsibly and in a timely manner. I request that you immediately review the circumstances and take the necessary actions to rectify this oversight. 

Prosperity Bank filed a lender title insurance policy claim but did not disclose the $ $ they recovered from the claim if any. In this case they double dipped and recovered money from us and also insurance company. They are also charging me {$130.00} a month for something that is not disclosed and I have reached out to them to ask for a disclosure and the emails are being ignored again.
Product: Debt collection

XXXX XXXX XXXX in XXXX XXXX new mexico XXXX XXXX XXXXXXXX XXXX XXXXe nm, XXXX sent my mother to collections without prior notification that she owed any money. She was paid up before she left this facility. She provided 30 day written notice to leave. This facility never sent any correspondence to settle anything owed and then suddenly sent my mother to Collections ( after 12 months she since she had left. ) with Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX, tx XXXX XXXX She had advanced XXXX and as her POA I had to sign for her so the debt collector placed me as a co-sginger. Now they have placed a negative entry into my credit report for a debt not owed. They claim my mother owes XXXX incorrect and unethical.
Product: Mortgage

Bought my 2nd home since XX/XX/XXXX, with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for 5-6yrs. In XX/XX/XXXX, I decided to modify the account but has been very difficult for the past 6 years. Tried short selling the property through an agent you helped me in finding a buyer, submitted all necessary documents and down payment. They refused I request deed-in-lieu of foreclosure, they refused. All while, they have trying to sell my home. All the time I am getting a new relationship manager. The loan has been sold or transfer to different company. Several time they will call my phone, when I do pick up, there is always a silent on the other end. This is very frustrating. About a week ago, I call the company, someone did answer, and I now request4ed to have my house back, I am no longer interested in modifying the loan. Please, can someone help me, I have been having a hard time with this company. The aggravation is affecting me health wise. Need help.
Product: Credit reporting or other personal consumer reports

This communication serves as a follow-up to my previous complaint, as there are still lingering inquiries present on my credit reports requiring attention. I am resubmitting my FTC report # XXXX for your reference. The remaining inquiries to be removed from my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Checking or savings account

Dear CFPB, I am writing to formally lodge a serious complaint regarding the unreasonable restriction placed on my SOFI bank account, which has caused me significant financial and emotional distress. 

On XX/XX/XXXX and XXXX, I made a total payment of {$5300.00} via XXXX for the purchase of a Persian cat as a XXXX gift for my girlfriend, as we plan to raise this pet together. The payment was made to a legitimate vendor ( XXXX XXXX XXXX  ) with whom we have a signed contract. However, SOFI flagged this transaction as " suspicious '' and restricted my account. 

Since then, I have called SOFIs customer service ( XXXX ) numerous times over the past XXXX days, explaining that the purchase was legitimate and authorized by me. Despite providing all requested documentation and clarifying the nature of the transaction, SOFI has refused to resolve the matter or provide any clear timeline for when my account will be restored.

This unjustified restriction has caused me severe disruptions : Credit Card Payments : My SOFI account is used for credit card autopayments. Due to the restriction, my credit card companies can not process payments, which could lead to unnecessary interest charges and damage to my credit score.

Access to Funds : Most of my money is in my SOFI account, leaving me unable to transfer sufficient funds to other banks to cover my credit card debt.

Salary Deposit : My SOFI account is set up to receive my salary via direct deposit. With the account restricted, I can not even access my own earnings.

The response from SOFIs customer service has been utterly unprofessional and unhelpful. Representatives have displayed arrogance, refused to provide detailed reasons for the restriction, and denied me any escalation path or timeline for resolution.

I am a law-abiding citizen who works hard to make an honest living. SOFIs unreasonable actions are not only causing me significant financial harm but are also ruining my holiday season. To make matters worse, upon researching this issue online, I discovered that many others have suffered from similar account restrictions and poor treatment from SOFI.

I am reaching out to seek assistance in holding SOFI accountable for this situation. As a customer, I deserve transparency, prompt resolution, and professional service. I urge SOFI to restore my account immediately and to take steps to address the financial damages caused by this restriction. 

I hope the relevant authorities will look into SOFIs practices to ensure that customers are treated fairly and lawfully. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
Product: Credit card

Last year, when I was facing some severe financial hardship, Discover Card customer service admirably assisted me by reducing my rate to 12.99 %. I did not realize at the time that this was only a temporary measure. Today I opened my Discover Card bill and found that a check I had mailed out on XXXX XXXX was not posted to my account until XXXX XXXX, fully two days after my payment due date, and that my interest rate had shot up to 22.24 percent. In comparison, it took XXXX XXXX XXXX two days to post my check payment to my account with them. Both checks were mailed the same day to the same city : XXXX, North Carolina. I immediately logged into the Discover website to reach out to their customer service department. CSRs XXXX and XXXX gave me some facile, patronizing, dismissive answers about why it took over two weeks for my check payment to clear & why my APR increased so drastically and suddenly. According to XXXX my rate was raised to a usurious 21.99 % because I had missed one payment in XXXX, FOUR FULL CALENDAR YEARS AGO, followed by a further .25 % increase due to the Federal Reserve 's recent rate hike. I have paid early or on time every month, at or above the minimum required payment, my credit rating is the highest it 's been in years, then their company almost doubles my APR and then offers to " reduce '' my rate to slightly above 20 percent, a disgraceful slap in the face of a customer who has been nothing but loyal to their company since XXXX.
Product: Mortgage

Amerihome Mortage became my mortgage holder after I purchased my home last year. I pay them monthly with escrow including property taxes and insurance. On XX/XX/XXXX, A letter from them confirmed they would be paying supplemental tax for it from my escrow account since I had sufficient funds, on XX/XX/XXXX, Another letter from them said they had paid the supplemental tax.. 

When I saw the tax was still unpaid on XX/XX/XXXX, I called in and asked why. I was told it was all their payments are bundled and it would show after all is cleared. I called in again, still was told not to worry. Then later, I got the county 's tax delinquency notice along with the penalty. I asked and was told it was paid, not to worry. Please see the attachment from secure message sent on XX/XX/XXXX saying everything was paid and confirmed. Then now, on after more than 2 months, on XX/XX/XXXX, I was told me that tax is homeowner 's responsibility. I have to pay for the late penalty instead! I would have paid myself on XX/XX/30 if they did not claim it was paid already again and again. I was totally deceived by various of their responses in letter, email and secured message, all in writing, along with phone customer servicer! I should not be responsible for their false claims that caused the penalty. Instead they need to compensate me for all of the lost time and energy and emotional distress!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate and corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that XXXX XXXX stated is not owed. His billing service is closed and he is not seeking payment. He is not authorizing the collection company to proceed with any attempts to collect this debt. He is a partner in the practice and since left. He is also the provider named in the collection attempt. 

He can be reached at XXXX and will verify this.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious matter that has recently impacted my life. 

Regrettably, I have become the victim of identity theft, wherein several accounts have been opened in my name without my authorization. This act of fraudulent activity has not only caused immense XXXX  and XXXX  but has also resulted in significant financial losses on my part. 

I appeal to your esteemed institution to take swift and decisive action to investigate this matter further and to assist me in rectifying the damage caused by this despicable crime. I have already taken the necessary steps to report this incident to the relevant authorities, and I trust that your cooperation will help in resolving this issue promptly. 

I have attached relevant documentation, including copies of the fraudulent accounts and any supporting evidence that may aid in your investigation. Your prompt attention to this matter is greatly appreciated, as I am in urgent need of your assistance to halt any further unauthorized activities in my name. my financial security and peace of mind. 

Thank you for your attention to this matter. I look forward to your timely response
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted XXXX, Experian, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Product: Credit card or prepaid card

My XXXX is blocked and has been for two months now. After spending 2.5 plus hours on the phone the first customer service person said yes there is a block and she connected me with the Dept who handles that. 15 minutes later someone comes on and now says there's NO block. So I said then you are trying to tell me XXXX, my phone company, XXXX, and half dozen other merchants are the problem and not the card? She was obviously lying and said " yes there's no block ''. Then she said it would clear up soon. Its not blocked yet they'll have it fixed soon. That was almost two months ago and the card is only works at an ATM.