23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

Southwest credit system failed to remove inaccurate information from my consumer report please help this company in several violations with my personal information my privacy
Product: Mortgage

Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not permit these companies to access my credit report XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX, XXXX According to XXXX XXXX Transunion XXXX, Transunion is supposed to ensure MAXIUM POSSIBLE XXXX. This account violates these laws. 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5. 15 USC 1681XXXX. Delete INQUIRES
Product: Checking or savings account

For no reason my account has been on hold for several months ND my money has been d fr several monthsXXXXthe bank sad they will not talk to me over the phone at all and I must come in to a branch which XXXX plusmiles away I went to the branch on the XXXX # th of this month to verify my identity however the correct depFtment was closed dforr they were supposed to. I got to the bank at XXXX pm they don't close til XXXX. They refuse t help meat all I verified my identity and the sill Wont release my funds at all for no reason .they refuse y re me there name r employee number so. Can reference the whole situation. Management is not willing t help me T all they said it's because of a transactions stayed was grad which is not true I never did that. They are holding my money illeally
Product: Checking or savings account

I opened an account with XXXX on XX/XX/2022 I deposited my XXXX XXXX  check for XXXX. I was recently in pretty bad XXXX XXXXt and I was rewarded money for the value of my car, the check was issued out to XXXX. I went to XXXX to cash my check they told me because I don't have an account with them and the check I have is over the limit, I can open an account with them and that is what I did. I opened the account and everything was good, today I tried to login onto my online banking and it continued to say I was restricted and I was confused. I went to XXXX XXXX and a associate who works there helped me sat me down and made a few phone calls. They told him they have restricted me because I have a " bad banking report with XXXX XXXX XXXX ''. I have never had a bank named XXXX XXXXXXXX XXXX nor has my name ver been in connection with it.
Product: Mortgage

My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a fraudulent address ad that is not associated nor has ever been associated with me. The inaccuracy in question is XXXX XXXX XXXX in XXXX, TX XXXX. In addition, there is also 3 fraudulent debt collections that DO NOT belong to me, and are registered with this erroneous address that is associated with my credit reporting profile. These collections Account names that i am in no way familiar with are listed as : XXXX XXXX XXXX in the amount of {$1100.00} XXXX XXXX XXXX In for the amount of {$1100.00} and Southwest Recovery S for the amount of {$1100.00} I have never lived at any other address other than XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX. And i should not have ANY collections or negative items on any of my credit reports. I will be reaching out to each of the reporting bureaus demanding this false information to be removed immediately as this is identity theft.
Product: Credit card or prepaid card

I received a Debit Card from Key Bank issued in my name from Illinois department of Employment Security. 

This was NOT requested and am NOT on unemployment. I tired contacting XXXX  several times and left messages. 

Want to report this as a SCAM, I did not activate the card. 

Thank You
Product: Credit reporting or other personal consumer reports

i recently viewed my Experian credit profile to see several fraudulent account XXXX XXXX  reporting in my credit profile, i've made several attempts for an investigation from Experian, after i submit a dispute, almost instantly i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove fraudulent items from my credit report
Product: Credit card

My name is XXXX XXXX, and I currently have XXXX  years of XXXX  service in the XXXX XXXX XXXX XXXX I have been a loyal customer of American Express ( AMEX ) for XXXX  years. During this time, I have never had my account in bad standing, never missed a payment, maintained a credit score of XXXX, and held multiple credit cards with AMEX . 

During a XXXX XXXX flight, I came across a promotional offer for XXXX bonus points if I applied for the XXXX XXXX XXXX American Express XXXX. Since I travel monthly from XXXX D.C., to XXXX to visit my daughter, I found the offer attractive, as it could help offset travel costs. I applied for the card and was immediately approved. 

I met the spending requirement of {$3000.00} within XXXX months and allowed sufficient time for the bonus points to be distributed. However, when it was time to reserve my monthly trip to XXXX, I noticed that AMEX had not delivered the promised points. I submitted a ticket, and the agent who reviewed my account confirmed that I had met all the card 's requirements to receive the points. Despite this, the credit card company denied the points, citing my credit and account history with AMEX as the reason. 

This reasoning is unacceptable. As mentioned earlier, I have been a customer of AMEX for XXXX years, have never carried a balance on a card for more than XXXX months, and have always paid my debts promptly. My account history clearly reflects this. 

This is a blatant example of false advertising and an abuse of trust. In todays political climate, where some groups are pushing to dismantle agencies like the CFPB, this case has the potential to demonstrate to the American public just how essential these agencies are in protecting consumers and holding corporations accountable. Publicizing this case could help show the critical role the CFPB plays in ensuring fairness and transparency for all. AMEXs treatment of a loyal customer, who has served this country for 19 years, is not only unjust but deeply concerning. If they are willing to exploit a service member with a flawless XXXX history as a customer, one can only imagine how they might treat others.

I was counting on those points to help offset holiday travel costs, and instead, Ive been subjected to what feels like a predatory and dishonest practice. This behavior is unacceptable, and I am asking for your assistance in ensuring AMEX is held accountable for their failure to honor their commitments. Thank you.
Product: Credit card

The company will not give a payment plan to me but it will gave money management an amount of {$170.00} per month.
Product: Vehicle loan or lease

On XX/XX/2023 I WAS APPROVED FOR AN AUTO LOAN AS STATED BY SALES SPECIALIST AT XXXX XXXX BUT WAS ASKED TO PUT DOWN ENORMOUS DOWN PAYMENT OF {$5000.00} AFTER INFORMING THEM OF INQUIRY DISPUTES ON CREDIT REPORT WAS TOLD I WAS APPROVED BUT DENIED BY CHRYSLER CAPITAL FOR NOT WANTING TO PAY A HIGH DOWN PAYMENT I EXPLAINED I WAS A XXXX XXXX  AND THAT THE VEHICLE WAS FOR PRIVATE USE LATER TO FIND I WAS DENIED FOR NO SCORE ON CREDIT REPORT THEY ASKED ME TO COME UP WITH CO SIGNER AND TOLD ME I CANT USE MY WIFE BECAUSE HER CREDIT IS BAD AT XXXX XXXX
Product: Credit reporting

On XX/XX/2017 I found a Hard inquiry from this company on Credit report. I have not or nor have I started business with the company stated which is Gateway One lending and Finance XXXX, CA XXXX. I have not requested any Car loans or vehicle lending service. I submit in full confidence that this is a major error that has and could still negatively affect me. I require a release from this company in writing to have this removed from my credit report. Despite having over XXXX consumer complaints on the bbb, I am sure I can seek and receive a satisfactory outcome in this matter. If you could, once confirmed please send a letter via through the cfpb portal so that I can have a copy on hand. Thank you.
Product: Credit card or prepaid card

In XX/XX/2020 I received an invitation by mail to apply for Bank of America Cashback credit card. Prior card application, I contacted the application center with questions about card eligibility, since over two years ago I filed for bankruptcy and in the past, less than 2 years since than was the application rejection criteria. My efforts to confirm the basic applicability/rejection criteria prior to the credit card application was not successful the application agent neither had this information, neither able to transfer my call to the credit specialist. The hard credit inquiry [ for nothing ] could be prevented if Bank of America would be clear and transparent about the application approval requirements. 
Since the fact of my bankruptcy was known to Bank of America, I am questioning how it is legit to send me an invitation, if it is clear reject?
Product: Credit reporting or other personal consumer reports

I am requesting a copy of my tenant screening report as part of the process of purchasing a house. This report is required to meet the documentation needs of the financial institution or housing authority and will help verify my tenancy history for approval.
Product: Money transfers

I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO HOME MORTGAGE XXXX XXXX XXXX XXXX XXXX, IAXXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate
Product: Student loan

I am on the SAVE plan with Aidvantage. I recertified my income back in XXXX, as I was directed to do by Aidvantage. This put me into a XXXX month administrative forbearance, and they began charging me interest again during this time. I called and asked when the interest would go back to 0 %, as this is the government 's rule for those currently awaiting the fate of the SAVE plan litigation. I spoke to several Aidvantage reps and the first had no idea how any of it works, but the second rep told me that my XXXX month administrative forbearance would be coming to an end in 6 days, and then the interest would go back to XXXX. Well, it is now approximately XXXX weeks later, and the interest is still being charged. My loans are still listed as being on the SAVE plan, but the status now says " Awaiting Form Administrative Forbearance-Ends XX/XX/year>. '' So why is my administrative forbearance extended another XXXX months beyond the original two? I should be back on the SAVE no interest status while litigation is ongoing. My balance is increasing daily because of this.
Product: Credit card or prepaid card

This is not my credit and both myself and visitors or being harassed by my ex husbands creditor. They left his serving papers in the driveway on the ground. He does not live here. He moved out and no XXXX bows where to locate him. I believe he is homeless. Someone told they say him in XXXX XXXX begging. I dont have anything to do with him. Yes his car in XXXX XXXX way I still make the payment on it.
Product: Debt collection

This debt from my XXXX and according to the insurance they all paid as they received. ( XXXX, XXXX, XXXX, XXXX and XXXX bills.
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 reinvestigation of disputed information on my credit report ; leaving inaccurate and/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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected and/or removed disputed items despite the evidence I provided ; causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove and/or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Hello, i have no recognition of this debt collection and it has messed up my credit. I have never owned a sprint phone.i filed a dispute to my experian credit report 3 days ago. I am now on the phone with XXXX filing a identity theft report now. Please help. 

XXXX XXXX Account number XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Chase Auto ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported on my credit report. 
My XXXXXXXX XXXX XXXX card was opened on XX/XX/XXXX. An inquiry is dated XX/XX/XXXX that is conflicting and inaccurate information. 

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to re-investigate and delete the unauthorized inquiry Inquiry made by : XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. 
You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. 
Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. 
According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. 
IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA! 
My FTC Report is attached the report number is XXXX.