23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I do believe that a former coworker ( XXXX XXXX ) a known XXXX of my older brother ( XXXX XXXX XXXX )., did willfully commit mortgage fraud based on fake foreclosure paperwork that was taken out of my mail box ... ... In 2003 I owned the property and was served what I thought was real for closer paperwork. The Condo was subsequently foreclosed on behind my back and reported as abandoned to the Condo agency as I was fooled by a number of then ITS XXXX  that I work with during that time... A number of local XXXX  have a tendency to help these individuals based on their affiliation to local XXXX syndicate that is centered that is centered around XXXX N.C.... I was under for closer ... .more than XXXX from XXXX different companies ... ..witch means it was sold during my time of posse ion. 

Via fear of death, I was told to lay low based on the famous individuals involved. There are reports of multiple murders in the area based on assumed mortgage payments by XXXX dealers. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. XXXX further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting or other personal consumer reports

: XXXX Request for Opt-Out and Deletion of XXXX XXXX. PER 15 U.S 6802 ( A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated XXXX  party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer ) I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. My XXXX XXXX has been detrimentally affected by such information that qualifies as non-public personal information under XXXX CFR XXXX, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process. For this issue I would like compensation, as this violates Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has either corrected not removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I have requested a credit line extension with the GM card from Capital One. I requested an extension in XX/XX/XXXX and was told that credit line increases are not available at this time upon request for this type of account. I requested another extension on XX/XX/XXXX and received the same response. After calling customer service I was told that Capital One has automated their system for credit line increases, however the system does not interface with GM cards. The senior account representative was in no way helpful. I was told that there is no way to manually approve credit line increases, there is no projected date when the automated system will work, that I should keep applying in the future in case the system starts working, and that Capital One will not let its customers know when the system does start working. In short, their customers should keep applying for credit line increases in case the system starts working, but they do not tell their customers that it impossible to be approved. Nor do they have any plans notify their customers if/when the system does start working.
Product: Debt collection

I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM EQUIFAX HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

I cant remember the dates but I do kow they tried to withdraw hundreds of dollars from my checking account all at once and thank XXXX my bank stopped the payment! No they keep hounding me calling me at work on my cell phone calling family members. I did not agree to this loan being at the interest rate its at. They gave me false infomration when doing the appliacation!
Product: Student loan

Attempted to develop an alternative repayment method during a call in XX/XX/2022. Was told they could help become current on my loans starting the first week of XX/XX/2022 for a payment in the {$97.00} range ( specific amount unsure at this time ). Launch Servicing said they would send out information to me regarding this repayment plan. I received no such information. When I asked for this information they told me there was no plan in place and I was ineligible. This is totally inaccurate and has/will affect my ability to secure housing and student loans for my graduate program. I believe they acted in bad faith and were deceptive in their practice. I verbally agreed to the alternative repayment plan discussed but they are not holding up their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor APPLE CARD/GS BANK USA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been really bad about getting my disputes in CFPB XXXX XXXX XXXX  XXXX  XXXX XXXX violations : XXXX filed number for ftc The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved  on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of  that Act REMAINING COMPLIANT UNDER NEW LEADERSHIP Published XX/XX/XXXX Welcome to XXXX! 

XXXX XXXX With the turn of the calendar, the U.S. now has a new Congress and, as of XX/XX/XXXX, a new President. Many are speculating what these developments mean for the automobile finance industry. More specifically : What changes will be made to the leadership, structure or focus of the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )? 
How will state and local regulators respond to what happens in Washington D.C.? 
What does this mean for dealers and XXXX XXXX? all know company violated the ftc laws
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Mortgage

Have been trying to complete a short sale for over 2 years with Rounpoint mortgage. As of XXXX XXXX they have all documents to make a decision. It has been 53 days now and they still will not make a decision or respond to me. I was told they would approve or decline the short sale in 30 days after they have all docs needed were received. I have a cash buyer ( XXXX cash buyer that has tried to purchase the property ) and he is not going wait much longer. This is not how any mortgage company should be operating. I do n't know why it is taking so long.
Product: Credit reporting

Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct name Acct # n accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. Capital One Auto Finance ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ).
Product: Credit reporting or other personal consumer reports

Did not authorize inquiries listed below please delete from credit report immediately thanks : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I never opened this account I am reporting it as fraud self keeps saying I opened it I never check my credit report so this isnt so recent I want this removed immediately. Anything that is reported as fraud needs to be removed from my consumer report.
Product: Checking or savings account

Opened a savings account and funded it via ACH from my XXXX  XXXX XXXX account on XXXX/25- for $ XXXX received an email my deposit is complete on XXXX25- just called customer service and talked to XXXX and she stated she doesn't know when funds for this transfer will be available. Concerned as this is a large amount and they withdrew it on XX/XX/year>25 and are stating they still do not when it will be available. 

Very horrible for a major bank- Need an answer ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses. The inquiries must be removed as they are damaging both of our credit. My wife has made complaints as well. 

FRAUDULENT INQUIRIES ARE : XXXX ( Finance ) XXXX  ( Finance )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance {$320.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ;
Product: Debt collection

Individual called me and would not tell me what the matter was about. I repeatedly asked for information and all I 've got in return I want your birth date and address. Very rude and the representative hung up on me while I was talking.
Product: Credit reporting or other personal consumer reports

I had XXXX back in the summer of XXXX. 
USAA has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven
Product: Checking or savings account

I lost my Wells Fargo debit card and I some one use it and do transactions of total {$9500.00} and i did file claim with the bank and they are saying I did authorize XXXX out of XXXX transactions whichs I didnt and I called the merchant also they didnt give me any information they were trying to collect information from me like my driver license and pictures I dont even have account with them the merchant name XXXX XXXX Also I had another fraud transaction on XXXX of my credit card I guess some one hacked my phone I had my card stored on XXXX XXXX