23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Can not get through to someone who can help me login to make payment. Old login is not working and when I try to make a payment. When I call in, they tell me I should not be upset and are more concerned about my attitude then helping me. I spoke to someone who was very rude to me. I would be hung up on if I treated the employee the same way they treated me that way. This is absurd to be spoken to the way this company does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During all these dates I've reached out multiple times to a XXXX XXXX to settle. Just so that I can clean up with no a minute of this debt because they did not send all of the proper documents and can not provide any of the proper documents for the repossession that were sent to me nor can they prove which address they were sent to. I have tried to call every time I call or speak to anyone no one has my account on file or records there therefore if they don't have my account on file anymore or no records of my file with that company consumer portfolio services I dispute it needs to stop reporting on my credit report since they have no record no one does. At this point it is going against my FCRA rights I've tried multiple times and no replies but it keep actively reporting you can't report on an account that you no longer have whenever I call to speak to any representative.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$150.00} IXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for over 6 months to obtain a free copy of my credit report. Trans Union has refused to send me a copy. <P/>I ordered a copy and have not received it to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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

see attached documents IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? LexisNexis has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did lexis Nexis have MY written instructions? Did lexis Nexis have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes 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 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. 

These are the accounts that Ive marked as inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b 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. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, XXXX XXXX XXXX
Product: Mortgage

My mortgage contract allows the rights to request cancelation of the PMI when my principal balance reaches 80 % of the value of the property. PHH, which currently serves as my mortgage provider, is denying my request for cancelation despite their own assessments demonstrating that my loan to value ( LTV ) is at 79.76 %, which is less than 80 %. The reason provided was that the LTV needs to be 75 %. This constitutes as fraud since it goes against my contract and I never agreed to these changed terms. 
Moreover, I contest the reasons provided in their denial letter by the following : XXXX. The average price between all of the comparable homes used for the assessment was {$690000.00}. There is no reason why only the first comparable home price was used to make the assessment. 
XXXX of the comps listed homes that do not include the $ XXXX in improvements. 
XXXX. This comps assessment was not done utilizing a direct comparison of the house across XXXX XXXX at XXXX XXXX XXXX listed at {$740000.00} and is currently under contract. 
XXXX. The letter states that the closing date on the account was more than two years from the assessment date and therefore the 75 % LTV requirement applies. This is not true. The original settlement date was XX/XX/XXXX and the date of the assessment was XX/XX/XXXX. Therefore, their rationale was based on incorrect data.
Product: Debt or credit management

Portfolio recovery XXXX XXXX XXXX
I dont owe third party

Hard injury. Not me
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe the debt to XXXX XXXX that this collection company has reported. XXXX XXXX has reported this in ERROR, debt was NEVER owed. 

Central Portfolio knows this and has not recalled my collections account with the 3 bureausits been a month of me calling every week to have this fixed. They just keep brushing me off. 

This illegal reporting has caused my credit score to drop XXXX points and will also cause me to fall out of escrow for a new house, if not fixed this week. Ive explained this to the company in detail and they still havent fixed my credit report. This is unjust, malpractice, and cause for a lawsuit if not corrected this week. 

This collection never existed, therefore should have been correct immediately, still a month later sits on all of my reports and will cause me to be homeless in two weeks.
Product: Debt collection

Received a letter saying I owe this company over XXXX dollars. They have threatened me with a lawsuit, garnishment of wages, and seizing of personal property. I have no knowledge of the basis for this and they are using intimidating tactics to threaten my finances. This seems like a predatory scam because I am a XXXX veteran and they somehow got my information.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XX/XX/XXXX I received a lease-end statement from Honda requesting payment within 25 days for {$550.00} for " Excess Wear and Use or Damage ''. I hereby dispute the charges as I have not been given full explanations of how they were estimated, the criteria used to waive certain charges, and I would like to ask clarifications as to what Honda considers excess wear and tear since it is not specified explicitly explained in the contract ( except for the tires ). 


After my first attempt of obtaining clarification from Honda Financial, I received a copy of the inspection report by mail, detailing the damage that was considered by the inspector to be excessive, and the estimated total cost to be {$950.00}. The excess wear and tear value in this report is higher than the {$550.00} being billed to me, but there is no explanation of what charges were waived and what charges were not and why. Presumably, Honda decided to waive the lowest cost repairs and to charge me the highest cost ones. Since the contract contains no provision of which charges get waived under the waiver provision, this should be interpreted in favor of the consumer and not of Honda. Similarly, the contract does not have an explanation of when certain types of damages are excess and when they 're considered normal. For instance, from the report I read that the left front bumper cover has a scratch of XXXX to XXXX inches, but no explanation of why this is excess, as bumper scratches are extremely normal in a car that is authorized to be used in abdense urban setting for XXXX miles. 


Likewise, I would like to request a correction of how my previous payments were applied. My XX/XX/<YYYY> statement had an amount due of {$110.00}, but I made a payment of {$250.00} and I request the difference to be refunded. Also, I returned my vehicle on XX/XX/XXXX and leased a new Honda vehicle, but paid the full month of my lease, until XX/XX/XXXX. I request the pro-rated unused days to be refunded. 

I sent this dispute to Honda by certified mail and it was received on XX/XX/XXXX. Their only response so far as of today was to call me and offer to lower the amount due to {$350.00}, which is still higher than what I consider I should pay, but I have not received a response, verbal or written, regarding my questions or my dispute.
Product: Credit card

I am submitting this complaint against Chase credit card because they have been unwilling to work with me in resolving a credit card debt issue involving my mother 's account. 
My XXXX old mother recently suffered a XXXX XXXX and had XXXX. As a result, I was forced to become involved with her financial affairs. ( She previously would not allow me access to her finances ). I have discovered that she had lost all her investment assets a number of year ago, that she receives minimal income through alimony and social security payments and over a period of time as accumulated significant credit card debt. After analyzing her income, living expenses ( including rent ) and her credit card minimum monthly payments, it is clear she is barely keeping her income ahead of her expenses and that she will never be able to pay off the credit card debt. 
I contacted XXXX attorneys and XXXX advised to default on the cards. However, out of concern for her health and well-being, I am reticent to have her final years spent ducking creditors. Both my wife and I have power of attorney to manage her affairs and proceeded to contact Chase to see if there was any ability to lower or eliminate the excessive interest fees and reduce the balance. 
The Chase credit account is a closed account - she can not use it for purchases. It is unclear when the account was closed ( the history on line extends back to XXXX 2010 and it has not been used for purchases in all that time ). The outstanding balance in XXXX 2010 was {$28000.00}. Since that time, she has paid a total of {$50000.00} to Chase and has been charged an additional {$39000.00} in interest. The APR is 27.49 %. Her current outstanding balance is {$17000.00}. The latest Chase statement notes that the balance will be paid off in 30 years ( when she is XXXX ) if she continues to make the minimum required payments which as I explained she is barely affording to make. 
My wife and I contacted Chase to determine if they would review the account and treat it more fairly. The phone call lasted for over two hours, we were transferred back and forth to different departments, each time having to re answer the security questions and re describe the problem. We tried to reach supervisors etc. No one would offer any relief of any kind. From what we can determine she has only 'bought interest ' for more than 6 years. 
We are very concerned about her ability to continue to stay ahead of her expenses under the current conditions ( or worse, if her XXXX old former husband dies and there is no more alimony income ). and are shocked that Chase, in their own self-interest would not be able to recognize the reality that the balance will never be paid off. This feels like a form of elder abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX and XXXX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.
Product: Credit card

Wells Fargo is violating regulation-E and attempting to hold me liable for fraud. I reported it in XXXX when it occurred and assumed the bank did its job, but due to gross negligence, the fraud report was not filed correctly. While doing my taxes I noticed that it had not been resolved and refiled again in XXXX. However, it was done wrong again and again and again. It finally escalated to the executive office where they have been arguing with the fraud team as they are trying to hold me liable for fraud. Their XXXX excuse is that I continued to pay my credit card bills, which of course I did as I thought that Wells Fargo has handled the fraud. Sadly this seems like it's yet another instance of Wells Fargo being dishonest and unprofessional while violating federal regulations. There are charges for a dentist, lawyer, and a handful of other things that are not me and over {$10000.00}. I have not seen a dentist in the US other than my dentist in XXXX, that has been my dentist my whole life. Wells Fargo has a very long tradition of dishonest business practices, hence why they have had so much legal trouble. 

ITS VERY CONCERNING THAT WELLS FARGO KNOWING VIOLATES REGULATION-E ESPECIALLY TO A XXXX PERSON
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint with the CRAs - XXXX and Experian against these banks for reporting an account on my credit file without verifying my identity. Despite their notification stating my identity could not be verified, this account remains linked to my Social Security number, negatively impacting my credit. The inaccurate information not only damages my creditworthiness but also creates unnecessary distress and confusion. I request immediate blocking of this account and deletion of all related inquiries. Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$3700.00} on my Capital One Journey ending in XXXX for a catering service for my business fund raising seminar. The company went by the name of XXXX XXXX. The date of expected service was XX/XX/XXXX but I didnt receive the service because the company stated that they couldnt book the venue due to XXXX restrictions. I tried to be patient and understanding, but when I asked for a refund, the company changed their contact information and XXXX  me on all social media platforms. I asked for a refund due to a lack of communication and service not being performed. This left me no way to contacting them. The company never detailed any cancellation policy information. I tried to contact the individual via text message. She responded to me up until I asked for a refund on XX/XX/XXXX of XXXX. She stated that her business partner was supposed to contact me but he never did. provided the necessary documents and they are stating that the merchant forwarded them information about the dispute, but Capital One never sent me the information that the merchant sent to them. They closed the dispute without providing me the information that the merchant sent to them and they are claiming that they didn't receive my response to their letter dated XXXX but i responded when i received the letter on the XXXX XXXX XXXX XXXX XXXX