23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX XXXX : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.
Product: Credit reporting or other personal consumer reports

This company pulled out my file without me authorizing them. 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This letter is a formal compliant that you are reporting 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 XXXX that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Credit card or prepaid card

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY XXXX AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
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 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 nor removed dispute 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I always mail a check the day after receiving payment. For the second time in recent months, XXXX XXXX has not processed the check until after the deadline for payment, even though I have mailed in 14 days in advance. I never have this problem with any other bills/accounts ; I believe the bank is deliberating " slow-walking '' the payment process in order to collect outrageously high fees -- in this case, {$40.00} on a {$120.00} balance. 

I would like CFPB to examine bank 's practices and determine what percentage of card accounts are regularly charged a late fee, and how much revenue this provides the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX. It has been well over 49 days and I have not received a response. 

On XX/XX/XXXX, I submitted a complaint to the CFPB. On XX/XX/XXXX I received correspondence stating that XXXX  did not believe I was the one filing the complaint. I was advised by the CFPB to call XXXX  and let them know I am the one submitting the complaint. I contacted the XXXX  dispute department to inform them and I spoke with a representative by the name of XXXX. Subsequently, I am refiling this complaint. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times for XXXX to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) XXXX Report Number XXXX Date Generated XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/20XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized inquiries on my credit report and incorrect employment information. I have never worked for a company called XXXX XXXX XXXX. The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.
Product: Debt collection

I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.
Product: Debt collection

Lvnv funding is trying to collect money from me and they not license to collect money in my state because in XXXX you require to have a license when i check the ( XXXX ) XXXX XXXX XXXX XXXX they dont have a active license and when I check with my state attorney generals office they require to have a license they also have a next agency emailing me everyday about this same debt they also not license to collect in my state go by the name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send out letter to XXXX to Request copy of my credit twice last year in XXXX and XX/XX/XXXX and this year twice back in XX/XX/XXXX and XX/XX/XXXX they keep send me this one page document asked for copy of My ID and soc sec card and copy Bills with current on it i have send that to them XXXX time. 

I have write experian and XXXX XXXX and XXXX to remove and Delete collection account off my credit they keep say they have verify the information with the creditor. but no Proof from the creditor at all the 45 days mark was over the limit complete. 

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted and removed off my credit report. 
Please Delete and Removed these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

I asked all XXXX credit Bureau remove all Old Address off my credit report that was not Done At all they keep them on there they need be remove and Delete off Old Address Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account.
Product: Student loan

MOHELA has an ongoing failure to provide billing statements in a timely manner. They failed to send me a billing statement in XXXX, prompting a 3 month forbearance. In XXXX, I called them when my due date was less than 21 days away, and I was told on the phone that I needed to submit a request to receive billing statements every month as it was an opt-in program. The customer service representative told me that she was submitting that request for me. MOHELA did not send me a billing statement in XXXX at all, despite taking an automatic payment from my bank account. On XX/XX/XXXX, I sent a message through the secure online portal notifying them that they had once again failed to bill me 21 days before my due day, and asked for an explanation of what they are doing to ensure I receive future billing statements in a timely manner. MOHELA responded to this message on XX/XX/XXXX and told me I needed to call their customer service line to resolve this. I responded on XX/XX/XXXX telling them that I do not have time to spend hours on hold to speak to a representative, and based on my prior experiences with their customer service seemingly lying, I asked for a written response to my concerns. On XX/XX/XXXX, I received a billing statement for a payment due XX/XX/XXXX. On XX/XX/XXXX, MOHELA responded to my last message an said : " Our records indicate that a billing statement has been processed and sent to the address on file effectively XX/XX/XXXX. '' I replied again confirming that I received that billing statement for XXXX, but I STILL have not received one for the XXXX payment that they took. I once again requested a billing statement for the payment allegedly due on XX/XX/XXXX.
Product: Mortgage

I paid my Bank of America mortgage electronically on XX/XX/2023. 
It was posted to my XXXX XXXX XXXX XXXX account on XX/XX/2023 for twice what I authorized.

I called BOA and submitted the requested documentation.

I only received an automated response, I waited 5 days ( they stated 3 days for a resolution. ) Called on day 5 I was told I had been denied because I did not supplied the required documentation. I spoke with a supervisor who made a three way phone call with my bank. She stated that BOA did have the 2nd payment, it had cleared and she was bringing everything to her supervisor that day. The normal processing time was 24-48 hours and that my monies would be refunded by Tuesday XX/XX/2023. I have not received the monies back to my account. I have also been charged an overdraft fee by my bank due to the error on BOA 's part.
Product: Bank account or service

I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not reporting the correct balance, last payment dates nor that the account is included into my bankruptcy. I disputed with Equifax that the information is incorrect and I have proof of the payments and the dispute results were its not listed as repo. I know its not listed as repo because it is included in my Ch XXXX bankruptcy and has received payments every month since XX/XX/2014. The incorrect reporting is affecting my ability to obtain a mortgage and Im trying to get it fixed. Equifax did not contact the creditor with my dispute. I would like this information removed as it has been reporting the wrong information for over 3 years.
Product: Mortgage

I have had my mortgage with US Bank since XX/XX/2016. I pay my monthly payment each month. Apparently in XXXX, my payment increased from {$1500.00} to {$1500.00} due to escrow or something. I didnt receive a notice in the mail. ( Im not saying they didnt send me something, I just did not receive anything. ) Honestly, I question the timing and increase considering it all happened around the same time others became unable to pay their mortgage. My payments are automatically sent via bill pay from my bank, so my payment for XXXX was sent over and it was apparently {$30.00} short so they placed it into a payment in suspense account and assessed a late fee, as they would not apply it to my bill. In XXXX, they received my payment for {$1500.00} and applied that to my XXXX balance and took {$30.00} from the payment in suspense. Applied another late fee because they said I didnt pay my XXXX bill. This went on and I tried calling them weeks ago, but wasnt able to get in touch after waiting on hold for 45 minutes. I finally got ahold of them today and it took me over an hour and four different associates to reason with them to waive {$200.00} in late fees DURING A PANDEMIC because apparently my payments were a bit short. I told them I would be happy to pay the difference right then, but their portal does not allow partial payments. 

Its ludicrous they are treating people like this during a pandemic. I am very fortunate and I am able to pay my mortgage and I was able to reason with them, but others might not be. I warned them I would be reporting them for this.
Product: Mortgage

Our loan was transferred XX/XX/2017 from XXXX XXXX XXXX, a fairly reputable institution, to Specialized Loan Servicing SLS ( not so reputable ). Upon conversation with new agent he recommended we sign up for autopay that directly drafts from checking to the loan, we signed on. I went online and entered an amount of an even {$900.00} to be drafted on the XXXX of every month. On XX/XX/XXXX they took out the {$900.00} AND {$900.00} which is the TRUE payment but I always pay {$900.00} to keep my records simple. They took 2 payments for 1 month and left me without monies to pay the rest of my obligations for the beginning of the month! ( TOOK WITHOUT PERMISSION TO TAKE MORE THAN I AUTHORIZED! ) I phoned immediately Friday XX/XX/XXXX and was told the money would be refunded. I phoned today to verify this to be true and I was told it was sent for further review and may or may NOT be refunded and there will be an answer by XX/XX/XXXX. I feel this is unfair lending practices as they no right to take more out of my personal checking without my consent.
Product: Debt collection

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or gave permission for this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used to open an account up using my name with a different address that i have never resided in. According to the report in my credit report the account was opened in XXXX and closed on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX the balance showing is XXXX. I contacted the original credit grantor of the fradulent account and they confirmed the address used does not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> I am demanding a deletion of the bankruptcy it does not belong to me and it is not reporting correctly its stopping me for so much time things I can do in life can you please remove it.