23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initially filed a complaint with consumerfinance.govXXXX and following this TCF/Chemical Bank did close my loan on XX/XX/XXXX, but did not refund the overpayment or reach out to me with any type of communication. I sent a follow up email to customer service at TCF Bank : '' I am writing to bring your attention to an outstanding credit on this account that is still due. This property was sold on XX/XX/2020 and the payoff check was cashed by TCF bank on XX/XX/2020. 
I have reached out to TCF customer service multiple times and although no formal response was ever provided, the loan was finally closed with posting of at least a portion of the payoff check on XX/XX/2020. 
After the loan was closed, my TCF account shows a reversal of the previous mortgage payment + extra principal payment from XX/XX/2020, however, to date this reversal has not been credited to my bank account. 
As the attached ledger of my account and posted ledger of both my TCF account and bank account clearly show, TCF Bank still owes me {$1400.00} Im not sure if it is still possible to credit the {$700.00} to my XXXX account but as it has been over a month since the sale of the property and over 10 days since TCF Bank closed my loan, I am asking for your immediate attention to this matter. Please send a check for the outstanding balance {$1400.00}. If I dont receive clear evidence that the credit due has been sent to me by XX/XX/2020, I will follow up with a new complaint to the Consumer Financial Protection Bureau. Thank you in advance for your immediate attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Cell : XXXX '' I also attached both my TCF loan status and my own checking account status showing that my last payment had not been credited back as indicated on the TCF status. It has been a long time since I paid off this loan and at this point I am asking for your help in reaching out to TCF/Chemical bank to immediately send me a refund for {$1400.00}, the amount I have overpayed to close this loan. Thank you in advance for your help. 
XXXX XXXX
Product: Debt collection

I have made all my XXXX leasing Payments for a total of XXXX. On a car that original price was XXXX. I have over the course of 6 years put almost another XXXX in repairs into the XXXX. XXXX. At this time I feel as though I should not owe anything further. The reason I feel this way is one I was employed with this company for almost XXXX yrs In the XXXX yr period we did not charge for mileage or damage on any leased cars until late XXXX early XXXX. The reason they started charging as the company was in financial hardship due to the down turn of XXXX commercial Leasing. I feel that it is not fair to decided to change what has always been done due to financial hardship. I am asking that all fees be waved due to the nature of never charging for mileage or damage until XXXX. If the are not willing to wave the fees.
Product: Mortgage

I applied the refinance through PNC Mortgage couple months ago. The loan application was preapproved and appraisal was done. However, couple weeks later, a mail was received saying the loan was denied. I tried to call the loan agent. He never picked up my phone or return my phone call back. I attempted to call multiply times to try to explain that some of the information that showing in the application was not correct during the application process and after the I received the mail. No responses. And the problem of insufficient income causing the loan to be rejected was never communicated to me before the appraisal appointment was set and after the loan denial. I wasted around 700 dollars for a non useful appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am submitting this complaint because Experian will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Experian to place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Experian credit file. As you can see in my credit reports XXXX And XXXX have deleted and blocked these fraudulent accounts that were opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. Thank you
Product: Checking or savings account

On XX/XX/XXXX I noticed multiple unauthorized charges on my debit card online banking. 
There was 6 in total. So far I was able to get help from 2 of the merchants. But I am having trouble with the other merchants. 

I filed a dispute with my bank ( chase bank ) and within 10 hours. They made their decision on if this was fraudulent or not. Now Im not an expert banker but I truly believe wholeheartedly it is 100 % impossible to complete an investigation in that amount of time. I made a second attempt to reopen the dispute. But my bank told me they decline. My only option is to contact the cfpb now. Since I am receiving no help elsewhere. 

The two claims that I am still struggling to get back are fraudulent charges from XXXX XXXX and fraudulent charges from nectarsleep. These merchants and bank are refusing to honor my testimony that the charges and purchases made on my account were not authorized by me or made by me. These charges are causing me major financial hard ships due to the cost of living currently and its putting a bad relationship between me and my bank. 

XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX Nectar resident charge # XXXX : XXXX All of these charges were made on XX/XX/XXXX. Shortly after I lose my backpack with my laptop my wallet and some other personal belongings.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experian '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, Experian '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Product: Credit card or prepaid card

Under Louisiana statute 29:312 an XXXX XXXX service member may not be charged over 6 % by any credit institution. Regardless of date account was opened. The statute referenced above is linked below https : //legis.la.gov/legis/Law.aspx? d=321064
Product: Debt collection

New accounts are on my credit report that dont belong to me. My soc # was compromised 3 times last year and data was breached 2 times this year! I am not the responsible party. They are taking my identity using it in other states, opening fraudulent accounts enough is enough!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report as maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and Experian is obligated to conduct a reasonable reinvestigation of disputed items. My experience reflects concerns similar to those highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XX/XX/XXXXXX/XX/XXXX ), which detailed systemic issues in dispute handling and reinvestigation practices.

Disputed Information : I willed attached all disputed items to a separate letter and details Discrepancy : My accounts are inaccurate and violate my consumer rights. I have requested 1099-C for all Charge offs stating the debt is writing off and never received any.

Supporting Documentation : I have attached the following documents to substantiate my dispute : Copies of past disputes without proper investigations.

Request for Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request that Experian : 1. Conduct a reasonable reinvestigation of the disputed items.

2. Forward all relevant information, including my supporting documentation, to the furnishers of the disputed information.

3. Modify, delete, or correct any information found to be inaccurate or unverifiable.

4. Provide me with written notice of the reinvestigation results, including a summary of any actions taken.

Concerns Related to CFPB Allegations : The CFPBs complaint outlines failures by Experian to adequately address consumer disputes, including : *Failure to forward all relevant information to furnishers.

*Reliance on inaccurate or incomplete responses from furnishers.

*Failure to provide consumers with clear and accurate reinvestigation results.

*Allowing inaccurate information to persist in consumer reports.

My situation mirrors these allegations. I urge Experian to ensure compliance with its legal obligations by addressing my dispute thoroughly and transparently.

Notification of Legal Rights : I remind Experian that the FCRA requires : *Completion of a reinvestigation within 30 days of receiving my dispute.

*Written notice of the reinvestigation results within five business days of its completion.

*Prevention of reinsertion of deleted information unless the furnisher certifies its accuracy and completeness.

Failure to meet these obligations may result in further action, including the filing of complaints with the CFPB or pursuing legal remedies.

Please respond promptly and confirm receipt of this dispute within five business days. I expect resolution within the legally mandated time frame. 

Sincerely, XXXX XXXX Enclosures : * Copy of Credit Report with Disputed items Highlighted Items Highlighted : * Supporting Documentation This letter directly incorporates the issues identified in the CFPB lawsuit and reference your rights under FCRA o demand compliance and corrections.
Product: Mortgage

My husband lost his job on XXXX, XXXX XXXX hit XXXX. I had no work for about two weeks. We put in for extamtion. Bank gave us 90 days but all three payments are due XXXX. They said if we dont have Balance paid off to call and they will figure out something then. Since then they keep sending correspondences saying that I need to contact them and I do every time and they tell me to disregard the messages and my loan is fine. Well last week they sent a person to my home on XXXX at XXXX to hand deliver a letter from my mortgage company. That person took pictures of my home. I call them on XXXX and they tell me that everything is fine and this visit is computer generated and they cant do anything to stop the visits or the letters. I ask them to give me something in writing to verify that my loan is fine and I am told they dont do that. I am worried they are starting to foreclose while lying to me. I live in XXXX County and it was declared a distastser. 
I also made a {$900.00} payment last week and today another letter. 
I have uploaded only some of the correspondences. I did throw away first few letters after speaking with carrington. They told me to disreguard letters they were computer generated so I tossed them. But this is getting scary the amount of mail andalso having someone hand deliver a letter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX XXXXXXXX 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

I recently pull my credit reports and noticed a lot of wrong addresses and name variations. My information was released in the XXXX Data Breach and I am nervous of Identity Theft. I have submitted a copy of my ID and am requesting only that address be listed since it is accurate and verifiable. All other addresses are fraudulent and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report and Bureaus letters last XX/XX/XXXX. 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a credit charged off by Capital One. I was attempting to make payments and it was charged off. Its been over a year and I have not received notifications on how to fix the account. Nevertheless it appears on my credit reports.
Product: Credit reporting or other personal consumer reports

I contacted the debt collector in regards to this debt asking to provide me with a signed letter or contract, a detailed history of the debt, or proof the debt is in fact mine and I have not recieved any response about this alleged debt
Product: Credit reporting or other personal consumer reports

I have received a hard inquiry on my credit report from Barclay Bank Delaware. I have called their security department. I do not have an account with them nor have I applied for any credit cards or loans. This is not my account and should be removed immediately
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Student loan

I am not a reporting agency. I have sent ftc reports to nelnet and a police report that I have submitted to you all to send to the company below are the letters that they respond to when I file a dispute. 
I have never lived at the address on the account XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, 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 failed align with my experiences, where Experian 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 the disputed accounts as Experian 's inaction violates Federal Law and my rights as a consumer. 

I am a victim of identity theft and data breach and I am requesting per 15 USC 1681c-2 ( a ) the following accounts be blocked and removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.
Product: Credit reporting, credit repair services, or other personal consumer reports

everything on my consumer report is wrong and is not relevant to myself.