23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.
Product: Credit reporting or other personal consumer reports

I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my XXXX and Equifax credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX, XXXX and XXXX on all my credit reports. These are inquires as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX XXXX Balance : {$0.00}
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 U.S.C 1681 Account Name and # 's 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 Have violated my rights.

15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that 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 than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( 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 or other personal consumer reports

I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, Equifax, and XXXX. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that should not be there. XXXX XXXX this is a fraudulent account I asked them to take it off and the company did but later put it back on this was XX/XX/XXXX. XX/XX/XXXX I requested them to take it off and they sent an email stating I need to fill out this info. Also Equifax will not let me dispute this account and when I called them they did not even recognize the account on my report so I have no way to dispute this account with Equifax which is violating my FCRA right to dispute items on my report
Product: Student loan

I have called twice on XX/XX/XXXX and XX/XX/XXXX to EdFinancial in regards to requesting a refund for all student loan payments I have made during Covid or XX/XX/XXXX. First call after requesting a refund and providing dates and amounts, I was told it was going to take up to 5 months to process. I thought okay, maybe there's just so many people requesting it. Later that day, a few friends of mine with different servicers stated they were quoted 30-45 days to process. I decided to call EdFinanciaXXXX again next day. I requested a refund once again, but the CSR didn't even mention my previous refund request from the day before. This made me highly skeptical that my refund request was even placed. The 2nd CSR did not ask for dates or amounts of my payments. She only told me it will take 150 business days to process. I asked if I could get some sort of confirmation letter or email. Nope, I was told I have to trust her that she will submit the refund request. Because of the fact she didn't not even mention anything about the first refund request being submitted already, I'm worried my request is just being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX clearly have no respect for the laws. Per my previous dispute Experian claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that Experian and XXXX update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.
Product: Checking or savings account

XXXX branch have been closed in diverse socio-economic locations. This is causing struggle and harm to people & businesses in the area. The locations at XXXX XXXX XXXX, XXXX XXXX CA XXXX and XXXX XXXX, XXXX, CA XXXX. I find this unacceptable that residents and business owners are forced to go over a XXXX away for another branch. These branches are staples in the community and have been in operation at these locations for several decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made it clear not to follow Metro-2 compliance guidelines. Never fully investigated my concerns. Accounts reappeared on my credit report after being removed in XXXX. 
Below is receipt of certified mail with proof of mailing letters send out past and present. 

Let remember I disputed with them over 6 times. So they had over XXXX plus to follow strict procedures. Now when accounts are removed and/or updates the bureaus must provide " carbon copy '' to their partners, affiliates, and other bureaus. This is part of Metro-2 Compliance so they should have this in their archive to show the accounts deleted. Plus any accounts I disputed in the past until now. 

Also Metro-2 compliance stated any errors on account must be delete. Let remember the creditors and bureaus must go through a compliance checklist for verification, validation process before reporting, and if you have multiply errors on my report, Equifax clearly did not investigate, but lied. Its CFPB to enforce the laws. 

Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

bank not applying payments correctly Per XXXX no monies applied to principle per XXXX payment no monies applied to principle per XXXX payment no monies applied to principle which is not showing a decrease in principle amount have attempted to have bank correct stayed on phone 4 hours on phone agents disconnected twice one agent disconnected on call with agent transferring call neither called me back so, for three months my principle amount has not changed which means the interest that is being charged is being applied to a principle that should be lower.
Product: Mortgage

I have called XXXX ( owned now by ServiceMac ) multiple times to resolve a recurring issue on their website that prevents me from logging in. As a result, the company has reset my account time and time again without resolving the issue. 

In XXXX I attempted to log in, the correct credentials failed, called Customer Service, they reset my account and I was able to log in one time. One time. After that, same issue, the correct credentials failed, called Customer Service, they reset, and I'm able to log in once. Again just once. 

I spoke with somebody on the phone who I will not name and she helped me file a bug report. Normal stuff. The response I got from the developers was unsatisfactory, all they did was reset my account again and close the ticket. 

This is a clear indicator that the developers ' performance is graded on number of tickets closed and graded on average ticket completion time. Sure, they marked it " resolved '' quickly for the performance metrics that come with a quick closeout time. Due to this rush job, I fear for other technical aspects of the company which directly handle money, bank information, social security numbers, and other personally identifiable information. 

I don't feel like my mortgage is in good hands. 

( NOTE : I can not provide my Account/Loan number via this online CFPB form because I am unable to log in to my XXXX ( Acquired by ServiceMac ) account ) ACTION : The development team needs to be audited, specifically look into their Version Control, Document Control, Code Walkthroughs, Code Review methods, Training, and Performance Metrics ( for developers ).
Product: Payday loan, title loan, or personal loan

The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.
Product: Debt collection

I WAS CONTACTED BY CREDIT COLLECTION LAST YEAR XXXXXXXX XXXX  AFTER THEY PLACED THIS UNPAID BALANCE OF {$850.00} FOR XXXX XXXX XXXX ON MY CREDIT REPORT. THEY PROMISED THAT ONCE I PAID THE BALANCE IN FULL THEY WOULD REMOVE THIS COLLECTION NEGATIVE REMARKS FROM MY CREDIT REPORT. I TOOK THEIR ADVISED AND I PAID THE BALANCE IN FULL THEY SUBSEQUENTLY REMOVED THE NEGATIVE COLLECTION REMARKS FROM XXXX AND REFUSED TO REMOVE THE NEGATIVE REMARKS FROM XXXX AND XXXX. 

CAN YOU KINDLY ASSIST ME IN GETTING CREDIT COLLECTION TO HONOR THEIR WORD BY REMOVING THOSE NEGATIVE REMARKS FROM XXXX AND XXXX LIKE THEY SAID THEY WOULD BEFORE I MADE PAYMENT IN FULL. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Mortgage

I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act.Please remove the following accounts and unauthorized inquires. 
Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA
Product: Credit card or prepaid card

ON XX/XX/2023, I MADE A PURCHASE WITH MY DISCOVER CC TO A COMPANY CALLED XXXX IN THE AMOUNT OF XXXX, AND DISCOVER IS HOLDING UP THE TRANSACTION. I HAVE ENOUGH FUNDS ON MY CC TO COVER THE TRANSACTION. THIS IS UNACCEPTABLE AND MUST BE RESOLVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report 2 accounts on my consumer report that have already been removed from the other two major consumer reporting agencies. The accounts are both under the company name XXXX. These accounts were removed from XXXX as of my XX/XX/22 report, and removed from XXXX as of my XX/XX/22 report. Pursuant to Title 15 USC 1682e ( b ), consumer reporting agencies should follow reasonable procedures to ensure that the information that is being reported is accurate. Continuing to report accounts that have been removed from other consumer reporting agencies is a violation.
Product: Credit reporting or other personal consumer reports

I contacted all XXXX credit reporting agencies Experian, XXXX, XXXX, and XXXX ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to

meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - {$650.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items 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

XXXX  my PayPal account was compromised and someone bought crypto with my bank account. I notified my bank filed dispute they reverse it. They told me notify PayPal file dispute which I did but PayPal refused do anything try say legitimate charge and wont let me do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 it was brought to my attention that Asurint was reporting inaccurate information and I am requesting that this issue be resolved
Product: Debt collection

I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which medical information has been shared and see if my rights to privacy have been violated.
Product: Debt collection

This company has called my father-in-law and us repeatedly stating that we owe a debt from an overdrawn Bank of America account ( which we never had ). They leave threatening messages and were extremely abusive to us when we called them. 

They also offered up my personal information without knowing who I even was, such as the last 4 of my social, my date of birth and my home address. They would have willingly given this to anyone who said they were me, which has to be in some violation of privacy laws at the very least. 

I am fairly sure this company is a scam and is trying to dupe people into paying their outlandish claims by embarrassing them with repeated calls to family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated 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 According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified.

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

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

I had an account with Suntrust Bank an auto loan, i have had several over the years, i also had an Auto loan with BB & T. The closest Suntrust was over an hour away so i paid over the phone always, Suntrust and BB & T were both purchased by Truist, it took a year to merge completely, and i was able to make my payments over the phone until XXXX of this year my local BB & t would accept a payment for one loan but not the Suntrust, and the number would no longer work too make payments you would be put on hold for hours and then it would disconnect i was assured there would not be a problem since they were merging i paid the vehicle off finally in XXXX and i had a late payment placed on my credit for XXXX and XXXX even though it was paid off they did remove the XXXX payment but will not the XXXX you can not reach anyone by phone and if you do after hours on the phone they simply direct you back to the local bank i have never been late and never had issues until truist took over i was preapproved for a mortgage loan but now can not buy because of this late payment. I do not understand why they will not remove because it was their failed system this could stay on my report for 7 years and this is truly unfair when i can prove i never had late payment prior
Product: Credit card or prepaid card

I requested Citibank to remove negative information the missed payments were duriang a Nationsl Emergency Pandemic