23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was in the process of taking the correct steps to improve my credit score from the mid 600 's to over 700. One thing they tell you to do to improve the score is to make sure you balance on all cards are less than 50 % of the credit limit. In XX/XX/2019 I took these steps to pay down a couple of my Citi cards. After payment my balance would be about 40 % of my credit limit. Right after I made these payments, Citi card sent me a letter lowering my credit limit. Once they lowered my limit I was right back to being over 90 % used of my credit balance. With this being done it is like swimming upstream and I would never get anywhere unless I paid the balance in full. 
This seems like it is very unfair to the consumer. I am never late and was trying to better my score, only to be made worse.
Product: Mortgage

I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.
Product: Mortgage

I requested a payoff quote on XX/XX/23. Mr. Cooper started sending advertisements regarding mortgage services and loans to my home address but not my payoff quote. I called on XX/XX/23 to inquire about my payoff quote and was told it was mailed to XXXX XXXX XXXX, XXXX, XXXX XXXX ( an old address not in use for over 8 years ). Mr. Cooper mails all of my mortgage statements to my home at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, yet did not mail the payoff quote to my address. I was told it would be a charge for an email quote, but it would be waived, they still did not email the payoff quote. I called again this morning and was told it was mailed to Indiana and I would have to pay for it to be emailed, they then hung up the phone and refuse to give me a payoff quote. This is holding up the sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all documents ie police reports identity theft report to Experian on 4 occasions regarding a chapter XXXX filed showing only on experian, it was filed fraudulent and shows dismissed in a one month. I have spoken to the courts that advised me that they didnt verify this information but that it was taken off a website ( pblic records ) they told me they do not report this information and also shows i have complained almost a whole year about getting this off my credit with my social. experian first told me they received information from lexis nexis in which i reported to them and they immediately advised that this chapter XXXX is not on the report and that experian should not be reporting it, I contacted experian for the 100th time and then they said they received it from XXXX bankruptcy which they also stated was false, they do not report or had spoken to anyone to confirm accuracy. can you all please get this removed from my experian report its causing difficulties in my personal living arrangements for my children and I.It was filed and never processed due to no payment. I have been dealing with this for over 10 years with my credit and this is stressful and causing problems
Product: Credit reporting

I have a total of 10 accounts listed on my Equifax credit report that should have been removed ( according to the Fair Credit Reporting Act after 7 years ) that have closed/ last reported dates ranging from XXXX-XXXX. I contacted Equifax and they advise their policy states 10 years, which violates the FCRA.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my Experian credit report after applying and getting denied fir a home loan and noticed that some accounts on my credit report are incomplete and inaccurate, which I believe to be a violation of 15 U.S.C. 1681e ( b ). This section of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, I believe that the credit bureau has also violated the following sections of the FCRA : - 15 U.S.C. 1681s-2 ( a ) and ( b ), which outline the responsibilities of furnishers of information to consumer reporting agencies - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ), which requires the credit bureau to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate - 15 U.S.C
. 1681i ( 5 ) ( A ) ( ii ), which requires the credit bureau to promptly notify the furnisher of the information of the determination and provide any corrections necessary At this point, I am concerned that these inaccuracies and inconsistencies are being reported deliberately. The credit bureau 's failure to maintain accurate information is not only a violation of the FCRA but also a serious concern for me as a consumer. 

I request that the credit bureau take immediate action to investigate these issues and correct any inaccurate or incomplete information on my credit report, in compliance with the requirements set forth in the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Company Name XXXX XXXX XXXX XXXX Date of Fraudulent Activity : XX/XX/year> * Date of Investigation Completion/Account Credit : XX/XX/year> * Late Payment Reported : XX/XX/year> I immediately reported the theft of my card and worked closely with my credit card company to resolve the issue. The company completed a thorough investigation under the provisions of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges on stolen or lost cards. They confirmed the fraudulent charges and credited my account for the full amount. However, despite the resolution of this fraudulent activity, they have refused to remove the late payment notation from my credit report. 
Legal Basis for Removal : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) : Under the FCRA, credit reporting agencies must ensure that the information they report is accurate. If an account is reported as late due to fraudulent activity, that information is inaccurate and should be corrected or removed. 
XXXX. Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) : The FCBA specifically addresses unauthorized charges on credit card accounts, stating that a consumer should not be held responsible for fraudulent charges once the card has been reported as stolen or lost. The law requires that credit card issuers promptly resolve fraud claims and ensure no negative information is reported as a result of such fraudulent charges. 
In this case, the XXXX late payment reported on my credit report is inaccurate because it directly resulted from unauthorized charges made with a stolen cardcharges that my credit card company has already credited back to my account following an investigation. Since this late payment was not due to my negligence or oversight, but rather the result of fraud, it should be corrected under both the FCBA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Product: Credit card

On XX/XX/XXXX2025, I requested a balance transfer from my XXXX XXXX credit card in the amount of {$1200.00}. [ XXXX XXXX dollars only ] to my Discover credit card. Per my XXXX XXXX credit card statement dated XXXX XXXX, 2024, my new balance was {$1200.00}. But my XXXX XXXX credit card statement dated XX/XX/XXXX2025, on the XXXX page it shows that the electronic payment made by Discover card to XXXX XXXX card was for {$1800.00}! that is {$600.00} over what it supposed to be transferred to the Discover card.I contacted both financial institutions to resolve the problem on XX/XX/XXXX and XXXXXXXX XXXX, XXXX XXXX offered a refund then sent a letter declining the refund.
Product: Debt collection

During the XXXX Pandemic I did not take one dollar of unemployment or PPP funding XXXX The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, All three major credit bureaus ( Equifax, XXXX, and XXXX   ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.
Product: Debt collection

I have requested STOP through their opt out service at least five times and they continue to contact me via text. Needs to stop.
Product: Credit reporting or other personal consumer reports

Trans Union wrongly charged {$29.00} and even did not provide any Credit Report. I requested then that it is usually free and Trans Union charged me and one in Chat asked we will refund you. And then referred me to another Chat representative and they denied to give me back my money. Unfortunately I even did not get any Credit Report either. There is no link to print or save Credit Report. So I got my report from another website annualcreditreport.com. 
Trans Union 's way of business is white collar crime type. Unfortunately around 13 years earlier they charged me wrongly the same way but at time I was not aware to where to complaint. I request your good-self to bound Trans Union to make much clear to their website so people could avoid from such kind of malpractice of Trans Union XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Product: Debt collection

I agreed to have XXXX install a system, they would own, on my roof. They would provide electricity to XXXX, local electric utility, which would reduce/eliminate my bill. I would pay $ XXXX. 
After 18 months XXXX installed and turned on system ( seemed long ). Began to charge me $ XXXX. I objected to the new cost. XXXX ignored my hard copy mailings. Made harassing phone calls demanding immediate payment. 
After 6 months XXXX shut off the system. 
& demanded I pay them {$37000.00}. 
I have an attorney to deal with that, however... 
XXXX turned the matter over to Caine Weiner, a collection agency, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I have demanded an accounting of the debt from Caine Weiner. 
They have ignored several certified mailings. 
The failure to provide an accounting is the matter foundational to this complaint now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

We are writing consumer finance in hopes of obtaining answers from Fay Servicing concerning our mortgage payments, mortgage note. These are questions that have gone unanswered by Fay Servicing. 
Fay Servicing started taking over our mortgage payments in XXXX transferred to them from XXXX XXXX XXXX. 
1 Why our mortgage payments are not being applied towards our mortgage as of XXXX XXXX? We discovered that Fay Servicing was not applying our payment toward the mortgage, after reviewing our payment history on-line at Fay Servicing homeowners portal. Granted that we miss two mortgage payment because one of the homeowners became critically ill in XX/XX/XXXX and diagnosed with XXXX in XX/XX/XXXX. The two payments we miss were in the months of XX/XX/XXXX and XX/XX/XXXX months of paying medical bills, hospitals testing and XXXX treatment. 
2. Fay Servicing suddenly stop processing payments from us XXXX XXXX AND we need to know why? We started paying Fay Servicing extra money over our mortgage payments towards the months we missed XX/XX/XXXX and XX/XX/XXXX and then Fay Servicing suddenly stop processing own payments. We want to be current and want our payments to reflect that we are paying towards being current with Mortgage payments and Mortgage Note. 
2. We want to know what company owns our mortgage note? We received two different Mortgage Interest Statements for XXXX, one fromXX/XX/XXXX and one from Fay Servicing. 
3. We want to pay off our Mortgage Note XXXX XXXX and need to know what company owns the Mortgage Note, the company mailing address and phone number so we can start processings to pay off the Mortgage Note. 
4. Why Fay Servicing is not corresponding or replying to our emails?
Product: Mortgage

I applied for a VA fixed home loan with BBVA Compass and mortgage loan officer ( XXXX XXXX XXXX ) has failed to comply with VA loan requirements, by charging fees I am exempt from. I am a XXXX U.S. military veteran applying for a va home loan. They have not contacted me and or even ignored my phone calls and emails regarding my VA home loan. When I call to check on the status of my loan several representatives of the bank seem to send my in a phone call circle with the end result in no information and just more people to contact just to check on the status of my loan. When I call the following phone number some company answers with the name XXXX. That company is nowhere to be found on any paperwork or documents that I have received from XXXX XXXX or the BBVA Compass bank institution. It is now XXXX XXXX, XXXX a week from the date I found a home to close on and since that time I have not heard anything but it is in underwriting. That was the status last week and that is what I was told today. I have called the bank to check and see if XXXX XXXX even works for BBVA Compass and they gave me the following phone number which I do not have from him ( XXXX ) XXXX. I have 4 phone numbers for him and that is not XXXX of them. Those numbers include XXXX, XXXX, XXXX and the supposedly company phone number XXXX. XXXX is the phone I have called a few times and it is answered by some company called XXXX if I am spelling it correctly. These people have all of my personal and financial information yet they remain unresponsive in their communications concerning my VA home loan. Every phone number I call for BBVA compass sends me through several repeated prompts that take forever to reach a person. This is not the first home loan I have applied for with this company and the process was a lot quicker, however the home was contingent upon the home inspection and was declined by me the purchaser.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX  XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  I Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

RECEIVABLE MGMT SVCS ( Original Creditor : XXXX ) ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.