23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter?
Product: Payday loan, title loan, or personal loan

They made it seem like I had to have an add on benefit that they offered or things could potentially get bad as in the interest rate going up, or my payments going up.
Product: Debt collection

I received the attached {$120.00} broadband bill for period XXXX, although I returned my equipment and terminated services on XX/XX/22, in a XXXX store location in XXXX XXXX XXXX 

XXXX confirmed the return of my equipment and the cancellation of my account on XX/XX/22 and when I asked why I was being charged the entire month instead of 2 days, I was told that " they do not prorate monthly service '' and I was expected to pay the entire bill. When I protested, I was told that " that is company policy ''. When I asked for proof of this in writing in any agreement I had with them, I was told again that it is " company policy '', and no proof was provided. 

I have now been sent to collections ( Sunrise Credit Services ), attempting to collect a debt that is not mine.
Product: Checking or savings account

My account was hacked twice in one day and chime failed to protect my account and funds. Chime declined to pay me the funds back that unauthorized wire transfers transactions were being made on my account after someone got into my account twice changing my information. I am a single mother of a XXXX child cant afford to deal with this.
Product: Vehicle loan or lease

Westlake Repossessed a car that they were not listed as lien holder on. they would not and did not provide me with anything after they took the car. I was not given any oppertunity to get the car back. the car was sold XXXX weeks after it a was taken by them and I still owe more than My original contract was agreed upon
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding First Progress Account and Experian 's Reporting Practices Dear Sir/Madam, I am writing to formally submit a complaint regarding the handling of my First Progress Credit Card account by Experian. Despite the lawsuit against Experian for violations of the Fair Credit Reporting Act ( FCRA ), I have observed that they continue their detrimental practices concerning my credit report. 

My XXXX XXXX account has always been in immaculate condition, with no late payments. As per the regulations, this account should remain on my credit file for 7 to 10 years. However, I noticed that my account, which was marked as XXXX Late on XX/XX/XXXX, was deleted from my credit report on the same day. This deletion is not only unjustified but also erroneous, as it misrepresents my credit history. 

Experian 's failure to properly investigate my disputes and rectify the inaccuracies in my credit report is deeply concerning. It undermines the purpose of the FCRA and has a negative impact on my creditworthiness. 

I urge the CFPB to take action against Experian for these ongoing violations and to ensure that my credit report accurately reflects the status of my XXXX XXXX account. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely,
Product: Consumer Loan

I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.
Product: Credit reporting or other personal consumer reports

.===================== 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  Has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX, in the amount of {$1100.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that Jefferson Capital System has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.
Product: Debt collection

On XX/XX/XXXX I receive a letter about a credit card debt from Resurgent capital services about an alleged debt on XX/XX/XXXX I send a verification letter asking them for proof and also stated the I did not want to be contact from the until the debt is verefied as mine. They continue to contact me after the letter was received on XX/XX/XXXX. 
This are all the date about email they were sent to me XXXX XXXX XXXX  via email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email XXXX XXXX XXXX  va email ( XXXX XXXX XXXX ) XXXX XXXX  va email XXXX XXXX XXXX  va email They receive my letter on XX/XX/XXXX the keep contacting me via email on XXXX XXXX XXXX  ( day after letter was received ) XXXX XXXX XXXX  va email.
Product: Credit reporting

I recently received my FICO score from Experian. It stated that a person 's score can either go up or down with this new FICO system. I looked down at my score ... .it went from XXXX down to XXXX ... XXXX POINTS! I called Experian. They told me that my recent charge of {$8000.00} on my XXXX caused it. I told them that I had paid the whole amount in full, and that my total credit allowance is {$30000.00} anyway. I only used up XXXX % of my credit limit, paid it in full, and now I am being penalized for it! I have never in all my years paid ANY bill late. Please tell me how to proceed to get my score back up to where it should be ... XXXX. As you can see above, Experian 's response was " final ''. I spoke to many people there, and no one ( even supervisors ) would help me rectify this situation. Your help would be so much appreciated. I am a XXXX widow ; I know if my husband were still alive, he would be reeling on his heels right now! He was a bank representative and very professional. He would never have treated his clients this way. 
Thanking you in advance.
Product: Credit reporting or other personal consumer reports

Hello Equifax I write to you with utmost urgency regarding a matter of identity theft that. The inquiry below does not correspond to any transactions I have authorized ; it is unequivocally the result of identity theft. 
Company : XXXX XXXX Date : XX/XX/2024 A copy of my Identity Theft Report and irrefutable proof of my identity. A copy of Section 605B of the Fair Credit Reporting Act, which mandates the immediate blocking of fraudulent information on my credit report resulting from identity theft within four business days, coupled with the obligation to promptly notify the furnisher ( s ) of said information. It is imperative that you understand the gravity of this situation and the urgency with which it must be addressed. I demand that the fraudulent information be blocked and expeditiously deleted from my credit report in accordance with the Fair Credit Reporting Act. Your swift attention and resolution of this matter are non-negotiable. I expect immediate action to rectify this distressing situation and safeguard my financial integrity. Attached herewith are the aforementioned documents for your immediate action and compliance : Failure to promptly address this issue will leave me with no choice but to pursue all available legal avenues to ensure that my rights as a consumer are upheld and protected. Time is of the essence. I anticipate your immediate response and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES REGARDING THIS MISREPORTING ACCOUNT. THIS ACCOUNT DOES NOT BELONG TO ME AND IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA - XXXX Opened Date XX/XX/2020 Balance {$13000.00} As a consumer I have rights that are given to me to cover me through mis-information being cited on this credit report. At this stage I need to make a last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.
Product: Money transfer, virtual currency, or money service

Once again we are harassed by the XXXX XXXX and FISERV XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against XXXX XXXX and XXXX  XXXX of FISERV XXXX Unit with the OCC,  CFPB, DFS, FTC and XXXX PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
Product: Credit card

In the XXXX 2016 I applied for an American Express Gold Delta Sky Miles Card. The card application offered XXXX Delta Sky Miles. 
My Application was immediately accepted. On XXXX XXXX 2016 I received an email confirming that my Application had been approved. Upon receipt of the card I began using it and satisfied the obligation to use the card to make purchase within the first couple of months. 

In the summer I checked my Delta Sky Miles account and the XXXX miles never were posted. I called American Express ( or XXXX ) and the phone call was answered my a representative who I took to be a phone operator in a foreign country. The conversation was " strange and unusual '' and I was told that I had been sent a letter saying that I was not eligible for the XXXX miles. I waited for several weeks and i never received any letter or notice that I was ineligible for the miles. I called American Express again and was connected with a coherent representative who stated in no uncertain terms that I was eligible and the prior conversation was a mistake and that I would promptly receive the XXXX miles. This individual said there had been confusion because in the past I had had a business card but that the new card was a Gold Delta SkyMiles Card and that I was indeed eligible for the XXXX miles. Best on this assurance I started using the card again and then checked my SkyMiles account. Again no miles! So I called again and was told that I was not eligible and they had no record of the call with the represenative who told me I was eligible. I objected to this position and they stated that they would open an investigation and get back to me. To date I have had no response. I have asked for an address where I could lodge a formal complaint but I get no response.
Product: Debt collection

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from XXXX the credit bureaus and the creditor/collections agent.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account that was closed since XXXX  is now showing open. 
And it also is showing late payments that are false. This account was never late and has been paid in full since XXXX.
Product: Credit reporting

I have sent documents to Equifax showing the correct spelling of my last name ( XXXX ) and ask Equifax to correct it. They do NOT have the ability to put an XXXX in my last name and therefore do not have the ability to properly report and maintain my credit record. I request that Equifax remove all records concern my file. 
XXXX does have the ability and did correct the spelling of my last name.
Product: Checking or savings account

On XX/XX/XXXX I received a notification of an ATM withdrawal for {$1000.00} from my Cash App card. This was a fraudulent transaction and I notified Cash App immediately so they could cancel the card. I submitted a dispute, however, after only 2 days I received an email saying my claim had been denied. The email ( attached ) said that I can request the documentation used to make the decision. The link just pointed to a page where you can chat with support. So, I requested the documentation used. However, every time I requested the documentation they only sent me a summary of the transaction ( attached ). 
I requested this multiple times over several days from the support chat. Today ( XX/XX/XXXX ) I tried call and when I finally reached a rep they assured me they would get the documentation. They send me the exact same document which listed only a summary of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had an apartment background check to obtain a unit. When I receive my background check back, the information on there was inaccurate and should not be reported. This has damaged my employment history and rental history in regards to trying to obtain a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to communicate with Experian to remove credit freeze placed after I was hacked last year. I have attempted numerous times both by telephone and online. Online questions were unanswerable - involved the last 4 digits of a phone number I may have been associated with 20 years ago. Mailed a letter per their request with all required data. I have had no response. My credit is essentially being blocked by Experian and they are not responding to numerous requests to lift restrictions. They do not have a system in place to interact directly with a customer service representative. I had no problems whatsoever with either XXXX  or XXXX in terms of removing a security freeze.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX Has violated my rights. Under 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Checking or savings account

PNC does not allow you to barely ever link your account with any third party, which is an extreme inconvenience. This needs to be changed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform, despite me using Zelle numerous times. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get my attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX  and attorney general. Companies can not believe they can get away with these atrocities. Grain has already agreed via a XXXX  thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on-time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on-time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the lates from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. This was a few weeks ago. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to experian in regards to unauthorized inquires om my credit report. They have failed to investigate and delete the inquires. They continue to igmore me and im stressed. I am giving Experian authorization to investigate the unauthorized inquires and provide me proof that these are infact mine. I will not accept a caned response of they recieve this info from the creditor. It is the credit agencies job to provide proof of the erroneuos inquiry, I demand these inquires be delete now or i will seek legal action.
Product: Mortgage

Ocwen does not report my mortgage payments to the credit bureau each month. I have called 4 times over the past 1 year and a half. Each time, Ocwen CORRECTS their system and my credit get reported for about one to two months and then stops again. I then call again and ask them to report it, which they do for about 1-2 months and then I call again. repeat this same process with ocwen each time. Please make them report my payments each month WITHOUT me having to call them and ask them to do what they are legally required to do!!!!!!!