23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a XXXX XXXX XXXX and finaced it through XXXX XX/XX/2015 and my mother co signed with me. Since that date they have never reported it on my credit report. My mother filed backruptcy this year. I called them to ask why they have not reported it on my credit because i have paid it on time since day one. They told me they were not going to report it on my credit because my mother filed bankruptcy saying they do n't have to now. My credit was checked to get the loan. It is my right for it to be on my credit, especially since I pay per the contract agreement. They said also they are not going to send me statements or pay vouchers. This is not ethical because if i did n't pay per the contract agreement they would without a doubt report it on my credit if I did n't pay per the contract agreement. Please help me???
Product: Debt collection

XX/XX/XXXX XXXX NOTIFIED COMPANY THAT DEBT WAS NOT MINE ALSO THAT THEY ARE VIOLATING THE PRIVACY ACT OF 1974
Product: Checking or savings account

I made a deposit in which I only received 50 % credit. I called and requested an investigation. An investigation was conducted and it was discovered that in fact I only received 50 % credit of my deposit. I suspect this has happened in the past and would like a more thorough investigation to determine. Likewise, I physically went into the bank to close the account a week ago. However, when I called today to inquire about what would happen when a deposit/credit tries to post to the closed account ; I was informed that the account was still open. HOW?? I closed the account. I was also informed that within this week of me closing the account that both deposits and withdrawals have been made. How, when I closed the account? I was told they had no answers and I need to go into the actual bank branch to get answers. Why would I put myself in harms way by speaking with anyone who is obviously stealing from me?
Product: Checking or savings account

The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.
Product: Mortgage

Closed on the house XX/XX/2019. XXXX XXXX. No inspection was performed by XXXX XXXX. There were no Agency agreement forms signed by myself and the Real Estate Agent at  the beginning. No Appraisal report of comparables, prices etc. given to me on the home. Since moving in, the past year has been such a hardship. The roof of the home has an impression. The roofer indicated just a matter of time before additional problems occur. A few days after moving in the entire heating and a/c unit crashed. I had no air condition all summer until I could arrange for install of a new system. I had to arrange some type of financing, and now I have a XXXX XXXX dollar a month payment on a XXXX salary. I had to purchase an entire new unit. A few months later the rains began and the driveway and front yard flooded and continued to flood after each rain. Currently the concrete driveway has sunk three inches, cracks throughout the driveway. Now, prompting me to hire a plumber to tell me the driveway is unsafe, will collapse and possibly a sink hole. As of the date of this complaint a sink whole has developed. The driveway is in danger now of collapsing. I have difficulty accessing my side door of my house. Clearly, fraud, misrepresentation has occurred. In addition I have suffered extreme hardship. Clearly fraud and misrepresentation. This past year has been an extreme hardship and pain and suffering in an unsafe home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information related to the collection account reported by XXXX XXXX, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as XXXX XXXX XXXX XXXX XXXX '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, XXXX XXXX has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that XXXX XXXX has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that XXXX XXXX has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under XXXX XXXX. XXXX ( a ) ( Section XXXX of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that XXXX XXXX delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.
Product: Checking or savings account

I purchased a product from a vendor that turned out to be defective.I reached out to the vendor who simply gave me the runaround. I have kept all emails of those discussions. 

Since the vendor was uncooperative, I have been attempting to file a dispute with Relay Financial for over a week now. Their customer service is pretty much non existent. I began a dispute on their website and it directed me to call an XXXX number to file a dispute, after I called this number, which was just an automated system, it hung up on me. I called again and chose a different option to file the dispute and it redirected me to another phone number that told me that no one is available at this line despite it being during normal business hours. I reached out to the parent Bank, XXXX XXXX XXXX XXXXXXXX, and they also gave me the runaround. 

It is very frustrating to not be able to file a dispute for a product/transaction that is serving me no purpose. This was my final recourse.
Product: Checking or savings account

In XXXX of 2024 my account was restricted due to a levy being placed on it by the Wisconsin Department of revenue. They placed a one time levy and took the money that was in my account. I spoke to the Wisconsin Department of revenue and they advised that the levy should be lifted in my account should not be restricted anymore. I reached out to the bank. They are stating that its still being investigated and they have no update for me. My account is locked. I cant use my account or take any money out of my account. Its going on three months now and they are not supplying me with any information.
Product: Mortgage

On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.
Product: Credit reporting

Sent the attached letter at the same time I filed this complaint with CFPB. See Cover letter. I paid {$39.00} for this XXXX reports with various errors and outdated information. XXXX percent of the report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my consumer report from XXXX XXXX XXXX account XXXX I have never had a late payment This fraudulent accusation is affecting my life and my credit worthiness as well as late payments are against the law because consumer report does not include any of the following : any report containing information solely about transactions or experiences between the consumer and the person making the report ; any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; Under the Fair Credit Reporting Act ( FCRA ) and various consumer protection laws, companies are prohibited from reporting any information about a consumer 's account without their written consent. At no point did I provide authorization for you to report late payments or to the credit agencies or give the agencies my written consent the account. 
By reporting this information without my written consent, you have violated my privacy rights under the FCRA and other consumer laws. Reporting inaccurate and unauthorized negative information about my account is illegal and has damaged my credit score.I try to dispute this fraudulent information with Experian credit reporting agency and they have failed to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may co ncern, I mailed a Multiple  Inquiry Removal Letter  on   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my   XXXX   report,  XXXX  hard inquiries on my Experian report and  XXXX  hard inquiries on my  XXXX  report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the cr editor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

hello my name is XXXX XXXX and i received a letter that says i opened an account but i don't know please delete that account it was fraud of my identity reference number is XXXX Total amount is {$790.00} I not get that card
Product: Debt collection

We lived at XXXX XXXX XXXX apartments before they were purchased by XXXX. Upon purchase, they replaced most of the staff, including my wife who had worked there from XXXX to XXXX. We moved out and into the new property she was employed by. Upon moving, my vehicle was struck by their gate and damaged. The property manager XXXX said they would compensate me for the damage, but never did. A few months later, we noticed a collections on our credit reports for over {$2000.00}. We were not provided with any notification of the debt, nor any detailed list of charges. We contacted XXXXXXXX XXXX and they told us it was no longer with them. We tried to obtain an itemized list of the charges, because we did not agree that we owed them. We were not furnished any such list. We disputed the charges and they came back valid with the credit bureaus. We contacted the collection agency to try and resolve this issue, and they were very rude. They refused to remove this unjustified charge from our credit reports for anything less than full payment of moneys we do not believe is rightfully owed. We are now stuck with little to no options other than being fleeced by these XXXX
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.
Product: Credit reporting or other personal consumer reports

Equifax has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough and reasonable reinvestigations of disputed credit information. As a result, inaccurate, unverifiable, and outdated accounts remain on consumer credit reports, causing financial harm.

The Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Equifax, citing systemic failures, including : ( 1 ) failing to properly investigate disputes, ( 2 ) not forwarding consumer-provided evidence to data furnishers, ( 3 ) relying on unreliable responses from creditors, and ( 4 ) failing to notify consumers of dispute outcomes.

I have personally experienced these failures. Despite submitting valid disputes with clear supporting documentation, Equifax has refused to remove or correct erroneous information from my credit report. This negligence has led to financial distress, credit denials, and unfair damage to my credit score. 

Equifax must be held accountable. Stronger enforcement, greater oversight, and immediate action are necessary to ensure compliance with FCRA regulations and protect consumers from further harm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 verifiedthat this item is being reported correctly? Who verified this item? 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 items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was open sometime last year ( XXXX  ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( TD Bank ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX XXXX who's always home with my wife and in laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax report a few days ago, 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 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 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 not suppose to furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX 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 or unverifiable accounts unresolved. The XXXX XXXX XXXX ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer.
Product: Debt collection

The date is XX/XX/2017 The amount is {$3100.00} dollars. 
I informed the company capital one that I lost my job and then hurricane Harvey hit so that put me behind but the company wasn't trying to hear that and I believe that's not fair.
Product: Mortgage

On or around XXXX XXXX, I contacted Wells Fargo and requested a XXXX   month payment history going back from XX/XX/XXXX to XX/XX/XXXX. 
As of today 's date XXXX XXXX, I have not received this requested document and I have spoken to an account specialist on several occasions and was told my request was finished and being sent to me, but I have not received it and I need this information to complete an application for a new mortgage.