23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX PREMIUM CREDIT BUREAU, INQUIRY DATE XX/XX/2020 CREDITOR XXXX PREMIUM CREDIT BUREAXXXX INQUIRY DATE XX/XX/2020 CREDITOR XXXX XXXX, INQUIRY DATE XX/XX/2020
Product: Mortgage

In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. 
At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. 
My husband XXXX died unexpectedly on XX/XX/XXXX. 
We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. 
After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. 
In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. 
For the last five years the contract buyer has paid me, almost to the penny,  the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. 
Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. 
Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. 
I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. 
I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. 
I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX  # 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 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: Payday loan, title loan, or personal loan

I never applied for affirm in my name and never had a item under this company I ask them to close the account and remove it from my credit report and I would take legal actions against them they refuse to remove it and told me it was accurate to be reported on my credit report this loan is showing a {$0.00} balance on my credit report but I want it remove off my file this is a fraudulent loan I never agreed to borrow money
Product: Payday loan, title loan, or personal loan

I never authorized account to be opened.
Product: Credit reporting or other personal consumer reports

Ive sent in multiples disputes to each credit bureau about my idenity being used. They have done nothing and the unverfied items are still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing. As usual, Equifax demands that I do things their way. They refused to help me in any way. I should not have to order my free report in writing because their so called " security questions '' DO NOT pertain to me or my credit at all. I am trying to verify what is on my credit report so that I can proceed to get a mortgage loan. All 3 credit reporting agencies are a pain in the XXXX to deal with and do not care about the people who work very hard to do what they are supposed to do financially. Why are there 3 of these XXXX companies anyhow? One is plenty.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent XXXX Im seeking Litigation. Please delete them at once.
Product: Checking or savings account

My checking acct has been frozen since XX/XX/year>XXXX Ive requested multiple times that the disputes I previously made be withdrawn and as such, my acct be subsequently closed immediately after. 

USAA not doing as requested is not only a bad faith and unreasonable hold on my funds but, also violates the EFAA by not doing as requested with my funds. 

To hold funds beyond 30days rather than simply close my account and credit my funds back to me is beyond unreasonable. This has caused extreme hardship.
Product: Checking or savings account

Navy Federal failed to notify me when at its sole discretion, decided to place an additional holds on the XXXX checks that I deposited into my business account. On XX/XX/XXXX I deposited via the mobile app into my business account XXXX checks in the amounts of {$5700.00}, {$6100.00}, and {$7300.00}. Navy Federal emailed me XXXX separate emails regarding the XXXX deposits on XXXX on XXXX that I would receive funds within 2 business days. When I called that Friday evening to see why I hadn't received the funds I was told an additional hold had been placed. Due to the weekend and the XXXX XXXX XXXX I was unable to get someone from the business department on the telephone to get an answer on why this had occurred. No one could answer me why I wasn't notified and the actual branch manager that I spoke with in person on XX/XX/XXXX wouldn't acknowledge that Navy Federal made a mistake in failing to notify me of the change .Navy Federal did not communicate to me of any changes via email or through my portal. As of today XX/XX/XXXX I still have not received an actual email from Navy Federal stating the change to a 5 day business hold and can only go by what the different customer service reps have informed me. I was told on XX/XX/XXXX that funds would be released on Friday XX/XX/XXXX. Navy federal hasn't followed its own policy.I have tried to resolve this with Navy Federal and they have basically ignored me. I understand Navy Federal, at its sole discretion, may place an additional hold on any item for a reasonable period until the settlement of the item is deemed to be complete. However the failed to notify me of the delay to my ability to withdraw funds and they failed to notify me on when funds will be available. I am supposed to receive electronic communications.
Product: Credit reporting or other personal consumer reports

This complaint is being filed in response to TransUnion being fined by the CFPB and FTC in XX/XX/ for its perpetual wrongdoing to consumers and violating the Fair Credit Reporting Act. I am affected by their unfair and unlawful practices. A joint account from XXXX XXXX XXXX XXXX XXXX  ) was deleted by XXXX after it was disputed. I requested that the same account also be deleted from my TransUnion credit file in order to be in compliance with the FCRA. However, my request was repeatedly denied and the account wrongfully continues to be reported. TransUnion 's actions reporting this inaccurate information is having an adverse effect on my credit report when applying for any type of loan. I respectfully ask that the CFPB enforces the FCRA on my behalf and instructs TransUnion to immediately delete the XXXX account. I also want to be fully financially compensated from the CFPB 's Order as allowed by law.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.
Product: Debt collection

This complaint is about Commonwealth Financial Systems , Inc . I was never contacted by this company via mail to show my account was in collections. They can not verify this account is mine. They will take your money and never report it to the credit agencies. Its purely a scam. I feel bad for anyone affected by this company because theres really nothing we can do. My XXXX XXXX has dropped XXXX points due to these scam artist
Product: Student loan

I received a letter from Ed Financial stating the loans was discharged from my loans and that is not true. They have a balance of {$110000.00}. Which is not the right amount, XXXX XXXX XXXX shows an amount of {$100000.00} and {$2500.00} of interest total is XXXX. The approved discharged amount of {$9500.00}. total has not been discharged from my student and ed financial is sending a letter stating is. But my balance is showing more than wht I owe. Base on the letter the company sent to CFPB state my balance was {$120000.00}. this company has added the discharged amount to my balance those balances are already in the consolidated amount. They also added the cancel loans to the balance how do u add loans tht are cancel. this is really sad. Those loans was not cancel, I have the report from XXXX. I dont knw where ed financial is getting there information but its causing a problem. They dont give u a correct answer the customer service rep only agree if you have the loan amount from a different source. This company should not be able to send anything back whn I filed a complaint. this company needs to be investigated consumer are getting the wrong loan amount.
Product: Prepaid card

I was told by the IRS that mine and my wife 's economic impact payments of {$1400.00} each were mailed to us XXXX or XXXX of 2021. We never received them and the IRS could never explain where the money went or why they couldn't just apply our payments to our 2021 taxes until 2 years later when I spoke to an IRS representative who said our payments were part of a group that was instead mailed prepaid cards from moneynetwork.com or also known as XXXX. 
I reached out to them from the number I was given by the IRS rep. Unfortunately, I was unable to speak to a live voice because I didn't have the prepaid card account numbers because I didn't receive them, but I could through their automated system request they mail out new cards if the system could verify they were not cashed... which they were not cashed. 
So the system resent them and again they were never received. FYI I have never missed mail at my address in the 5 years I've lived here. Never. 
I can add more specific details to this complaint if needed. 
Needless to say, I have gone back and forth with IRS and moneynetwork trying to get my money so the dispute for my 2021 taxes can be resolved. Without the stimulus checks, I owe on my 2021 taxes ; with the credit of the stimulus checks, the IRS owes me. 
Currently the IRS is threatening liens and garnishment via letters and web communications. I was also told my dispute was active at the IRS and that I shouldn't be receiving notices. 
I am filing a complaint to you with regards to XXXXMoney Network . If I could get a live person to send me the cards via a tracible mail system which I could pay for, I could get the money and matter could be closed. I think this would be the best solution. 
Please help resolve what seems to be a simple matter if I could just have a conversation with someone assigned to resolve my situation.
Product: Checking or savings account

I filed a complaint because U.S. Bank refused to return {$5500.00} that was stolen from my account in the form of a fraudulent check. They lied in their response to my complaint, stating that " you stated that you had checks stolen before XX/XX/XXXX. The loss of your checks not being reported was resulted in your claim being denied. '' That's not what happened. When I signed my affidavit I indicated that the checks had been stolen prior to XX/XX/XXXX, based on the address on the check. Prior toXX/XX/XXXX I had no idea a check had been stolen from me. I was trying to give U.S. Bank as much information as possible, and the address on the check was from a residence I moved out of in XX/XX/XXXX. Again, I had no idea the check had been stolen until XX/XX/XXXX when I saw the fraudulent check on my account. If you read their letter from XX/XX/XXXX they didn't even mention anything about the checks being stolen prior to XX/XX/XXXX, they said they refused to return my checks because I " failed to secure '' my checks. The reasons they're giving for refusing to return my money keep changing, but the bottom line is that the check was fraudulent, I had no idea the check had been stolen, and U.S. Bank is obligated to return my funds for the fraudulent check, even though they have continuously refused to do so.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HARD INQUIRIES from EQUIFAX 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 inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

I previously disputed inaccurate information on my Equifax credit report regarding several accounts that were charged off but continued to have late payments reported after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), as it misrepresents the account status and unfairly damages my credit score.

Other creditors and credit bureaus are not reporting these late payments, which further proves this is an error. Equifax must correct this inaccurate reporting to remain compliant with the FCRA. '' Despite my formal dispute, Equifax has failed to correct or remove the inaccurate information. I am now escalating this matter to the CFPB for enforcement action.

The following accounts were charged off but continue to be updated with late payments after the charge-off date, which is illegal and misleading under FCRA : XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX XXXX  Charge-off date : XX/XX/XXXX, Late payments reported after. 

XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Status : Charged-Off ( Closed XX/XX/XXXX ) Violation : Late payments reported after charge-off ( Delinquency First Reported XX/XX/XXXX ) Reporting Late Payments After Charge-Off This is misleading and violates FCRA 15 U.S.C. 1681s-2 ( a ).

Re-Aging of Debt The original delinquency date should remain unchanged, but Equifax has allowed the creditors to report new late payments after charge-off.

Failure to Correct Errors After Dispute Equifax did not correct the issue after my dispute, violating FCRA 15 U.S.C. 1681i.

Investigate Equifaxs failure to correct these violations.

Require Equifax to immediately remove the inaccurate late payment reporting after charge-off.

Impose penalties or sanctions for noncompliance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputesearch regarding inaccuracies in my credit report. Despite my 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 the account is accurate, without providing any evidence of a thorough lovestigations.earch 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. 
Of the following collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/2022 XXXX XXXX XXXX XXXX of XXXX XXXX XXXX
Product: Checking or savings account

My account would say I had funds and then when I tried to used them I would get charged insufficient fees saying I didnt have the money and this happened very often