23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The issue began when I refinanced in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX first on the XXXX and they lost the mortgage document and I re-executed again on the XXXX of XXXX. 
In XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating the mortgage was again lost and XXXX XXXX were the owner servicer XXXX  should XXXX not re-execute they would go to the court to have the mortgage judicially validated at my expense. I did re-execute for the XXXX time and remained current at all times. I filed a Chapter XXXX bankruptcy in XX/XX/XXXX my mortgage was current and not the reason for the petition filing declaring a current mortgage invoice to the Attorney. In XXXX of XXXX the bankruptcy Attorney contacted me stating he needed to amend the petition to include the unsecured mortgage and I stated I signed a promissory note, and the mortgage can not be discharged at which time he stated there was not a security instrument/lien attached to the property and he would lose his license since I have assets. 
I informed him I owe the bank and I am current, and I need to keep my home, and he told me I had to pay the trustee not the mortgage, because there was no recorded mortgage on the property which created the asset. I continued to pay the mortgage until I received a call from the Attorney asking why I had not paid the Trustee and I told him I paid my mortgage. The bankruptcy Attorney told me you do not owe the mortgage you must pay the Trustee. Although the XXXX mortgage was not recorded, I continued paying the XXXX mortgage in full. The original lender was paid through XX/XX/XXXX yet the foreclosing servicer and their Attorney state 2 different dates of default both are incorrect in addition their submitted affidavits are written with unclean hands to steal my home, since they do not have an actual accounting of what is due or which mortgage they are collecting ( one, two or three ) their motion for summary of judgement was written with malice and forethought and I can prove the court was deceived ruling in their favor. First and foremost, they stripped the equity from the home, and they did not present the actual bankruptcy petition and the amount they claimed in default also was not an actual accounting. The mortgage was lost 3 times and they told the court none of that or which mortgage they were attempting to collect. It should not take 13 years to record a mortgage and it should not take almost 5 years or more to foreclose if you have true ownership to foreclose. I am a XXXX XXXX citizen who has lived in this home for over 23 years and it's nonsensical to pay to buy a home and pay to lose their home because of predatory lenders errors. I offered to pay them going forward if they were entitled to the money and they refused even though they buried me in debt before they started the action to foreclose, and I know it's because they did not know who owned the mortgage in addition to that they do not have an original mortgage.
Product: Credit card or prepaid card

My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX i go there to get my XXXX off my direct-express card like always but no XX/XX/XXXX in the drive threw direct-express told me the bank had my money on the XXXX  try but still would not give me my money the bank tried XXXX  more time 's to get avoid because they had the money the bank called the linden police to remove me from the drive threw and the bank tried to keep my driver 's license nd my direct-express card and tried to make me leave with out my money the bank drew XXXX from my direct-express card why they tried XXXX times they know they were not getting more money
Product: Credit card or prepaid card

My card was comprised on XX/XX/2022 heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting relia bank denied my dispute with no evidence how they reach that agreement I am highly upset
Product: Credit reporting or other personal consumer reports

Equifax bought sold and traded my information illegally
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau fil-a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These + practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to addre. consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I a deeply concerned that my dispute may be mishandled a similar manner.
Product: Vehicle loan or lease

Global Lending Services called me 5 times in one day up until i made a payment. I told them back in XXXX that XXXX payment would be late and i needed to push the loan payment towards the end of the loan. Was denied the request, i made XXXX payment in XXXX and was told i could skip XXXX payment but that was denied as well today when i called even though the account was thoroughly notated. Also the other rep i spoke with was talking about it was fees due even though the full payment plus late fee was made. This company doesnt keep their word. And i cant get anywhere with them after Ive explained my situation numerous of times. I keep geeking the run around. Either hung up on or keeps telling me to call back the next day. And apparently im not the only one having this issue with them
Product: Credit reporting, credit repair services, or other personal consumer reports

company has placed an account on my credit report when in fact it is a closed account. 
The company XXXX XXXX has made me lost 40 points from my credit profile. The have deliberately place CLOSED account on my credit profile and they also has placed the account as OPEN AND LATE! account was closed in 2018 with XXXX balance. They have fraudulently placed an open account with a negative balance of - {$260.00}. 
I have NEVER request any new credit from this company.
Product: Credit reporting

I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.
Product: Credit card or prepaid card

Navy Federal Credit Union shows the minimum payment due as {$0.00} to authorized users on credit cards regardless of what the minimum payment actually is. As a result, in situations such as a military deployment in which the primary user is away and the finances are handled by a spouse ... They trap their customers into paying fees by providing deliberately false information. I could understand if their security model simply protected this information from authorized users. However, there is no excuse for providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XX/XX/XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2020, {$4500.00} was stolen out of my Fathers savings account which I am a signer on the account. I was notified on XX/XX/2020 by the Branch Manager of the US Bank Branch by telephone that this had occurred. Her name is XXXX, her phone # is XXXX. Also, the police were at this Branch and apprehended the person that stole the money, this person was charged with Identity Theft as it was then discovered that this person had stole my identity. She had an ID with all of my information but the picture on the ID was not mine. I have requested a copy of the police report from XXXX XXXX, Case # XXXX, out of the City of XXXX XXXX, CA. Her phone # is XXXX. I have not received this police report as of today. I have been doing all of the leg work since this happened. I have left several messages for XXXX to call me back to give me a status on this. Ive filled out paperwork requested by the US Bank Branch in XXXX XXXX, SD where I live. There are several US Bank Branches here in XXXX XXXX. One Branch will tell me some information and another Branch will turn around and tell me something different. I have also contacted the US Bank Home Office in XXXX, MN, talked to their fraud department several times, asking when this {$4500.00} will be returned to my Fathers savings account. No one can ever give me an answer. I am becoming extremely frustrated more and more as each week goes by that this money has not been refunded and also not getting either returned calls or solid answers from US Bank. I am also a customer of US Bank.,
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, XXXX, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on experien acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct or update the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from Bank XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.
Product: Checking or savings account

I filed a dispute ( Dispute ID XXXX ) with USSA on XX/XX/XXXX of this year due to a fraud that took place while on a vacation in XXXX. After returning home to XXXX, I noticed that some unauthorized transactions took place on my account ( See Police Report ). Seeing this, I attempted to make a police report to XXXX XXXX ( XXXX ) but was told on several different occasions that I would need to be in the city to make the report. Hearing this, I then called USAA to make the dispute at the time the banking specialist did not mention the need of a report, but I did mention the difficulty I had in making one. I informed her that I believe the individual to have made these transactions to be my step-brother, while I was not 100 % sure I was told by his significant other that he made several " high end '' purchases that he usually does not make. I explained this to the banker and after filing the dispute a credit was given to me from USAA ; from XXXX to XXXX I had not been given any updates up until I was told the claims would be reveresed from my account. Upon getting that information, I reached out to see why they were reversed. I was never given a clear answer, and when requesting information that was used to resolve my claim they sent over information relating to a prior irrelevant dispute along with documentation sent to me confirming the provisional credit being sent to me. Since than, I have spoke with advocates who submitted a police report on my behalf and stated that a re-review would be started due to this new information. A dispute team member attempted to contact me ( XXXX ) during my working hours on XX/XX/XXXX at XXXX EST, when I called back a team member stated he entered a note stating to call past XXXX instead. Despite this, XXXX then attempted to call me again on XX/XX/XXXX at XXXX. 

I havent gotten anywhere with my dispute and Im being held responsible for transactions I did not agree to nor authorize I spoke with an advocate again today ( XX/XX/XXXX ) and after providing him general information about the backgroud of my dispute he explained that since I had my debit card pin number on a sticky note within my wallet, I was to be held responsible. However, I informed him this was untrue as in a prior dispute in XXXX, FL was a similar situation until my police report was provided which indicated I have a memory impairment which in turn forces me to have essential information within my wallet such as my Pin to my debit cards, my phone passcode, my employer ID, and so on. By him stating this shows his inability to be not only compassionate but just straight up non-caring. This has been a stressful process, any help would be helpful. 

My police report that I was able to make online is the following : REPORT NUMBER XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified TransUnion, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.
Product: Debt collection

Crabtree Law Group, PA has told me that they will place a lien and possible foreclosure on my home due to an unpaid HOA payment. I contacted XXXX XXXX on XX/XX/26 and asked for the total amount due, including the late fee and if I could make a payment but she gave the website to XXXX XXXX  to make the payment because they do not accept payment on the phone. I immediately went online made the payment, which was the same amount I was given by XXXX XXXX. Then a few weeks later I received a certified letter from Crabtree Law Group demanding payment with over {$300.00} in admin and attorney fees. I immediately contacted XXXX XXXX and they said they never received my payment and I will have to work with Crabtree. Then I contacted Crabtree and they told me that XXXX did receive my payment and forward the payment to them. Then XXXX said I never called them in XXXX but I have my phone history from XXXX tha i did call them. I also have the voice message from XXXX stating they didn't receive my payment. I worked hard from my home and to be threaten with foreclosure because my HOA management took my payment and lied and said they didn't receive payment and that i didn't call them in XXXX and got the website and the total amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies 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. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12 XXXX XXXXXXXX  XX/XX/XXXX 13. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.
Product: Debt collection

I am signed up with clear one advantage, which I updated my phone number to that company so the creditors can call them and not me. But I have two companies that keep call me on my cell phone, my work, my husbands work and now someone showed up at my house. The companies are Mariner Finance and XXXX XXXX XXXX, can you please have them stop calling me and have them contract Clear XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report, however, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these creditors access to report to my credit report. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # XXXX XXXX XXXX XXXX XXXX