23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A closing date was set for XX/XX/XXXX and Quicken loans did not honor it and it was the date they set. XXXX XXXX and XXXX XXXX said there is a three day waiting period in which they can not fund the loan. In XXXX of XXXX, Our Federal Government put into place the Interpretive Rule, managed by the CFPB, allowing consumers to waive the three day TRID waiting period if the waiting period was causing a financial hardship due to the pandemic. I have been living in a hotel for nearly three weeks and boarding my dogs due to the sale of my home and XXXX not being able to close in time. This is certainly creating a financial hardship by having the closing extended. I put it in writing and sent it to multiple people at XXXX including the people mentioned above as per a real estate attorney requested saying they are Federally mandated to waive the three day waiting period. XXXX refused to follow the Federal mandate and honor their closing date. The sellers of the home I am purchasing flew in from Florida. Soon I will not have the funds to close and to keep living in a hotel and boarding my dogs. I am asking for assistance with XXXX  loans. I also told them both this on a recorded line and they just keep saying they will get back to me. I have hired movers for the original closing date and two sets of realtors and a family from Florida, as well as the title company are all expecting the closing to be on XX/XX/XXXX and we were just told it will not close on XX/XX/XXXX. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637BXXXXXXXX XXXX XXXX XXXX OPENED XX/XX/year> INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Checking or savings account

I applied online for the XXXX XXXX XXXX Account on XX/XX/2019, provided the requested information, and account opened same day. One day later, the account was closed and I received a letter in the mail with no explanation why this action was taken, rather just the fact that the account had already been closed and that this decision is final. The letter also stated in the future I wouldn't be able to open an account with Bank of America. I have been a Bank of America customer for two years, and I feel this action is unjustified and ill-advised as no reason was given, eliminating any possibility of incorrect or inaccurate information Bank of America may have been acting on from being rectified.
Product: Credit card

XX/XX/24 Discover sent an email stating that they were closing the account. They have not provided any proof of attempt to contact regarding the account or proof of attempt to verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to investigate my disputes regarding inaccuracies in my credit report properly. Despite submissions, Equifax consistently responds within 24 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. XXXX ) 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. These are the accounts that I marked as inaccurate XXXX XXXX XXXX XXXX XXXXXXXX, key to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Information Services LLC for their continued failure to provide my credit report and investigate and correct inaccurate information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). For the past five months, Equifax has persistently refused to provide my credit report and process my disputes by falsely claiming that they can not authenticate my identity, despite my repeated submissions of all necessary documentation.

I have provided Equifax with the following forms of identification multiple times : Government-issued ID Social Security Card Bank Statement showing my current address Formal Dispute Letter detailing the inaccuracies on my credit report Despite these submissions, Equifax continues to reject my dispute, using the same baseless claim that they can not verify my identity. This is clearly an attempt to circumvent their legal obligations under the FCRA, which requires them to conduct a reasonable investigation and ensure 100 % maximum possible accuracy of the information they report.

Equifaxs failure to process my dispute is causing ongoing harm, as they are knowingly reporting inaccurate information and obstructing my right to dispute and correct these errors. Their refusal to investigate, coupled with the false claim that they can not authenticate my identity despite having ample documentation, constitutes willful noncompliance under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies investigate disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Student loan

I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX account number XXXX resulting late payments due to Human Trafficking. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online request to remove the automobile inquires on my credit report. I sent letters to the credit bureau and was told to contact the actual company. One agent stated they would not hurt my credit report which shows it does. I cosigned for a car but only for authorized XXXX XXXX and XXXX XXXX XXXX XXXX since we have accounts their.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Product: Debt collection

I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX since XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to XXXX or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, XXXX begins to send me stressful threatening letters demanding payment or I will suffer legal action. XXXX also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on XXXX 's part.
Product: Credit reporting or other personal consumer reports

I disputed this bankruptcy that showed up on my Trans Union credit report. I asked for this to be explain to me how they verified this incorrect information. I was not given a response. 

I would like for this to be removed from my report immediately. It is not mine and in correct. I do not have this on my other credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

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

I as the consumer have a right to privacy.
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports The FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED. 

The only Name that should be listed on my Consumer File should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete and Remove any other names, dates of birth, or employment listed on my consumer file. This is to ensure that only Accurate information is listed concerning my personal information on my consumer file.
Product: Credit reporting or other personal consumer reports

I have two student loans for the same amount at two different companies for the same loan. The loan was transferred to XXXX  the US Department of education still reported the same loan with late payments for 4 months. This I effecting my approval ratings because the system rejects the reports because it looks like have late payments on my credit report. And remove all of the fraudulent inquiries
Product: Checking or savings account

On XX/XX/year>, I went to the Wells Fargo branch in XXXX XXXX, XXXX  to inquire about XXXX {$10.00} fees totaling {$20.00} on my checking account. I spoke with XXXX XXXX and he informed me that my account was no longer linked to my parents ' relationship account and would now be subjected to the minimum {$500.00} balance. He waived the fees and I made the appropriate deposit bringing my account up to {$540.00}, which exceeded the {$500.00} minimum. I never received any notification from Wells Fargo that the status of my account was changed. Fast forward to XX/XX/year>, and another {$10.00} fee was debited to my checking account, so I went back to the XXXX XXXX XXXX branch on XX/XX/year> and spoke with XXXX XXXX XXXX about the matter. She told me that she would speak with her manager and call me back at the end of the day. XXXX XXXX called me back and informed me that the bank would not waive the {$10.00} fee and that the fee was assessed at the beginning of the statement period ( which does not make any sense ). Calls to Wells Fargo customer service via phone have netted the same result.
Product: Mortgage

I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal? 
The loan company is Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

Hello, I made a payment to this collections agency on XX/XX/XXXX and they still haven't taken me out of collections. This is affecting my life. I called them many times but they didn't take any action. Today, I called them again and they said " NO, we will not remove it ''. They just don't care. They are uneducated people who ruin people 's lives and who don't even care. They don't even follow the process and don't care about law. When I tried to explain that this is NOT the process and they need to remove it from my credit, a woman named XXXX said no, she will not and she hanged up the phone on me. This is an awful company who hired the worst people with no education, no communication skills and no empathy. I am fed up with these people and this company. An electric company should not have worked with such terrible company! 

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

I am a victim of multiple data breaches and would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

Also, I never lived at the address associated with this account.

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION.

I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place.

I have submitted fraud reports and disputes for this account. I am demanding this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, this account must be removed especially because I am a Victim of A DATA BREACH! This account needs to be removed immediately, within 4 business days. We go by the law. I as a consumer have my legal rights.

If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter
Product: Prepaid card

I purchased contacts and as part of the purchase I was to receive a {$210.00} gift card back. The company, XXXX  issued the card on XXXX  and " expired '' the funds on XX/XX/XXXX. On XX/XX/XXXX, I called the company at XXXX explained what occurred, asked to speak to a supervisor and then they still refused to credit back the {$210.00}.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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.