23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Nations Direct on XX/XX/XXXX indicating they had performed an analysis and because they did not have my HOI renewal my mortgage would be changing from {$1800.00} to {$2500.00} starting XX/XX/XXXX. I called immediately and was told that was an error and to throw that notice out and they would be sending a correction. In XXXX after I paid my normal payment I noticed the XXXX amount was not updated. I called again and was told they did not have my HOI declaration page and once submitted the can update. I called my home owners agency they faxed it over and I received a confirmation from Nations Direct on XX/XX/XXXX the insurance was paid. 
XX/XX/XXXX I called again because I was attempting to pay XXXX mortgage at the original amount of {$1800.00} but the system would not take my payment. Upon calling I was told they could not change my payment and I needed to pay {$2500.00} for not only XXXX but also for XXXX because they could not change my payment back without proper notice. They did tell me that an Escrow Analysis indicated that I had overage and I would be receiving a refund check within 30 days of the XX/XX/XXXX notice. Today, XX/XX/XXXX I call to check on status of this refund and it is no where to be found and the request was placed today and I can call back in 72 hours to see if the refund had been issued. Not only did they give me misinformation and I waited for them to send an update I had to make payment arrangements so they would not ruin my credit with a late payment. My husband and I had to struggle to come up with the money to pay the EXTRA {$700.00} for XXXX and again in XXXX and Nations Direct knew they owes me {$2100.00} and made NO EFFORT to issue my refund. I am thoroughly disgusted to call them today and for them to tell me they had no idea as to why my refund was never issued and they have known about it since XX/XX/XXXX. This company needs to be hld accountable and someone should look into their business practices because it is a helpless feeling when no one is trying to help you and you tack on an extra {$700.00} expense as if it will not impact people. If I didnt pay it my credit would be ruined. I sent complaints to the company and they went unanswered because they do not care. No one has provided me any answers and now I am still waiting on a refund. I have attached the XXXX and XXXX escrow analysis. ALso the confirmation of the HOI being paid and no one ever said that I would still be responsible for the {$700.00} increase for 2 months until I called back on XX/XX/XXXX. This speaks to the inconsistencies I get when I called for help.
Product: Mortgage

My loan was serviced and modified by Rushmore in early XXXX. Prior to that from XXXX-XXXX, Rushmore force placed a hazard, flood, flood-gap insurance policy claiming that the condo master insurance policy I submitted was insufficient. The insurance premiums were excessive and amount of coverage was excessive. My loan was transferred to XXXX XXXX  last month and they informed me that was policy was not mandated by my loan provider and was improperly assessed.
Product: Credit card

On XX/XX/year>, a Capital One Credit Card was opened fraudulently with my Social Security Number. I was notified by XXXX and I confirmed on XX/XX/year> that the account was opened with my Social Security Number. I have attempted to work with Capital One regarding this issue but they have advised me that they cant and wont remove my Social Security Number from the account. I sent Capital One documents as well that prove my Social Security Number is mine and I sent them a copy of my ID as well. I sent this information to Capital One to help aid an investigation on their end. I also sent the credit bureaus 3 letters advising that my Social Security Number is being used in a fraudulent and unauthorized manner. I am requesting a thorough investigation into this matter as Capital One is allowing an account to stay opened with my Social Security Number and have confirmed that they will not investigate or open a fraud complaint regarding this event.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I filed another complaint against Experian ( complaint # XXXX ) stating that XXXX XXXX is fraudulently reporting incorrect information on my credit report and that Experian is not conducting a proper investigation into my claims. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 

Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect. 

Despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.
Product: Credit card or prepaid card

On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from penfed credit union. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Penfed has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Penfed has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold penfed criminally and civilly liabel. Attached to this complaint is the adverse action form from penfed. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and PENFED CREDIT UNION to move forward with this complaint.
Product: Credit reporting or other personal consumer reports

Information on my credit report from all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid.

Date opened High credit Credit limit Last reported Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.
Product: Debt collection

Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " Best Service Company '', and the original creditor was XXXX XXXX XXXX XXXX. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in Ohio. I live in California and told them I have only been to Ohio once - XXXX  years ago when I visited for XXXX  days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
Product: Mortgage

I received a notice on XX/XX/22 that my mortgage would be transferred from HomePoint Financial to a different servicer, XXXX XXXX, as of XX/XX/22. This appears to violate the 15-day notice requirement under 12 CFR 1024.33 ( b ).

In addition, the notification did not provide any contact information for the transferee servicer, which also appears to violate 12 CFR 1024.33 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account Name : XXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for XXXX, XXXX, and experian to reinvestagate and please inform me where they validate these inaccurate items from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Citibank NA. is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Citibank NA. is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Citibank NA., Best Buy - XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Product: Credit reporting or other personal consumer reports

on XXXX of XXXX, I contacted XXXX XXXX XXXXXXXX to set up auto payments for my account ending in XXXX. When I called they said it may take 2 months for the auto payments to take place so I have started to do manual payment for a few months but in XXXX & XXXX I have travelled to XXXX for a family emergency and I have thought the auto payments would take care of the monthly payment in XXXX but system did not trigger auto payments, causing a XXXX day late mark for month of XXXX. Also, my credit card has expired in XXXX XXXX and have not received a new card from XXXX XXXX XXXXXXXX and this could have also caused for the auto payment issues due to the card expiration. 

I have a reached out to XXXX XXXX XXXXXXXX to dispute this and they have said they have sent this information to the credit Bureaus but have not gotten any resolution yet. 

I have worked so hard to keep my score above XXXX and because of this error my score has dropped from XXXX to XXXX on XX/XX/XXXX. This is impacting our plans to secure a mortgage. I have a strong payment history and ask for understanding to restore my credit report and to remove the XXXX - day late mark caused by auto payments issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I place a money transfer to XXXX from the US and it now XX/XX/XXXX three weeks past I have not received it. Remitly claim the XXXX government is asking for documents I supply all the documents XXXX different times. Sometimes the same documents was ask over XXXX times. I sent all the documents. I still haven't got my money in XXXX. I asked for proof of the requested documentations, and why my money is not being delivered and I had no reply about it all these days. My money is on hold somewhere disrupting my business.
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 XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number XXXX. 
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: Debt collection

Well over XXXX phone calls in a one month period. Hours were within their normal business hours. I pulled my phone records from my carrier to validate. The calls continued until I asked them to not contact me by phone any further. Absolute insanity.
Product: Checking or savings account

I wrote a check for {$100.00} on XX/XX/2020. On XX/XX/2020, I noticed that this check was altered/washed for {$300.00} by an unknown person. 
Called the institution, filed a claim with an affidavit provided by them. Paperwork was received by them. They assured me that it will take some time to investigate. 
Toward the end of XX/XX/2020, they told me that {$300.00} will be credited to my account after the holidays. 
Nothing happened. Now they are saying that the claim was not filed in the timely manner, so they are denying my claim. Of course, its not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute to the credit bureaus several accounts for inaccuracies and the haven't answered me
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX CARDS XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Debt collection

This is a law firm that serves as a debt collector and they filed a judgment against me and bank acct.garnishment for an old Dental bill from a dental school and never gave me any notice of garnishment. I'm unemployed and receive SSI payments for my XXXX grandchildren. My bank notified me after the money was taken. Also, I noticed on my credit report that this law firm requested my credit report on XX/XX/2019 to obtain information to be used against me for this judgment and garnishment and I was not notified of this by them that they obtained my personal, private information without consent to use against me in a lawsuit.
Product: Checking or savings account

It's 2025 XX/XX/XXXX Friday capital one customers should have received their direct deposit on Wednesday the XXXX it's been 2 days we have no money we can't pay bills we can't buy groceries or medicine capital one took a whole day to even address they had an issue they sent an email Thursday night saying there's been a problem since the previous day. No response to when we will receive our own hard own money.
Product: Debt collection

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mail a letter to Experian asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. 
This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.
Product: Debt collection

On the date XXXX Eastern Account System company was sent certified letter to send any documents or contracts that retain my signature.