23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am attempting to refinance my mortgage loan with my current mortgage company and have gotten the run around. Second attempt from Lakeview Loan Servicing LLC is my current mortgage company. However, I asked for a quote and have not received unless I committed to signing a log-in format to see a quote. I asked why, stating thats their process, yet I received many other quotes from other refinance companies. I didnt have to sign or release information before getting information. The Lakeview have my information and I am asking about a simple FHA refinance Streamline information thats no appraisal, down payment, no closing fees, or no credit scores. I wanted to compare the transaction workups with Lakeview. Last six months the Lakeview sent me paperwork in the mail for refinance and didnt fully explain there fees and requirements. I dont understand why Lakeview cant provide me with a decent plan to choose from all my options!!! I am not asking for much, only a proposal estimate is All I want!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DPT ED/XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is again Equifax Credit Bureau. I am complaining regarding two outstanding issues : 1. The bureau continues to reinsert addresses that do n't belong to me. I NEVER lived at XXXX XXXX XXXX in XXXX IL. I have no accounts related to this address. This address is to an apartment complex - XXXX XXXX, which I called and verified no XXXX XXXX EVER lived there. I have disputed the address, it was removed, Equifax continues to put it back. I have sent copies of all my identification as well as my leases for the last seven years. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX IL. Six years prior my address was XXXX XXXX XXXX, XXXX XXXX, IL. Please correct this. 2. Equifax continues to report an account - XXXX XXXX - that was supposed to be removed as per the creditor. The account also lists multiple inaccuracies and errors. After reporting the account as an open collection for several months, Equifax has now updated the account to closed and paid. However the dates of EVERYTHING are incorrect. The credit bureau refuses to demand copies of the instruments and documents from the creditor which will prove this account was paid back in XXXX of 2017 and the creditor agreed to remove it from the profile. I REQUEST Equifax to please request and provide all documents received from the creditor relative to this account. I have contacted the creditor individually, and they insist they are not reporting this account negatively.
Product: Credit reporting or other personal consumer reports

Please reinvestigate these accounts. I am genuinely confused because these are full of inaccuracies and it's affecting my scores.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX violated the law when they allowed information about my private business to be report to my consumer report.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete. 

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 you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX
Product: Mortgage

XXXX We have tried to fix this issue with Nationstar Mortgage. They sent me a response with the wrong recorded paperwork from the State of California and XXXX XXXX XXXX. I have attached the correct paperwork to this file. We were told when the State of California and CFPB fixed the issue with the fraud that if we were to experience another hard-ship we could apply for another modification in the future. We have submitted a request and Nationstar Mortgage referred us to the new loan department as they could not do another modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter applied for a XXXX XXXX XXXX from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXXXXXX XXXX reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Product: Mortgage

We have a mortgage that is serviced by Selene Finance. There is an escrow account set up with the company that has over {$130000.00}. although the escrow is paid the servicing has not paid the property taxes associated with the agreement with Selene Finance. There is now a {$5100.00} late charge with the XXXX XXXX tax collector. We are now on our 10th call with the company to get this resolved. They promised to pay the tax, then give us back money, so can pay. Every call is put on hold for up to an hour. 

this process has been over a month with XXXX results.
Product: Debt collection

XXXX phone calls on each call I told them to contact me by writing only. XXXX calls from a person named XXXX. They repeated call and each time I tell them to stop calling.
Product: Checking or savings account

I ordered food from a 3rd party company ( XXXX XXXX ) and it never got completed and I have evidence of the order being canceled. I disputed the charge with Chime after never getting a straight answer from management and getting the runaround on who wad to refund what. Chime has sided with the merchant with evidence of order being canceled. Chime has said are going to hold funds till XXXX even with evidence. Almost {$100.00} of undelivered product with evidence and Chime has still decided to side with merchant and hold funds.
Product: Credit reporting or other personal consumer reports

This is my SECOND dispute regarding 15 U.S.C. 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without a consumers written instrucions. I disputed 2 accounts via CFPB # XXXX Submitted XX/XX/year>. 
XXXX account XXXX/ XXXX XXXX was DELETED! 
However, the other account XXXX XXXX XXXX remains on my credit report and I need to know WHY? 
In your response I received today your agency incorrectly stated that I infered that the XXXX XXXX  account was closed and your statement is WRONG because I never said that! 
XXXX XXXX is not a closed account only the other account XXXX XXXX was appearing in the CLOSED section of my Equifax credit report and I never said XXXX XXXX was closed, and a review of my dispute will reveal that I never stated that XXXX XXXX was closed. I dispute XXXX XXXX because it violates my privacy rights. I never gave any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS and XXXX XXXX should be DELETED along with the XXXX XXXX XXXX account that was deleted that I disputed for the same reason ( s ) 15 U.S.C.

1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ). 

The basis of my dispute is that I never gave Equifax any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS in accordance with 15 U.S.C. 1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ).

Also, I am now officially requesting the records that will reveal the procedures used that led to account : XXXX XXXX. # XXXX to be VERIFIED according to your response that I received today via CFPB Portal on XX/XX/year>. 
I also in accord with 1681i request the name of the person ( s ) you spoke with along with their telephone number ( s ) and address. 
I request this information in accordance with 15 U.S.C. 1681i / Section 611 ( a ) ( 6 ) ( B ) ( iii ).

I also understand that your agency has up to 15 days to provide this information to me or Equifax could be liable to pay me {$1000.00} for an untimely reply. 
Additionally, As a federally protected consumer I am requesting my Equifax Credit File. I want your agency to give me EVERYTHING that you have in my Equifax Credit File that pertains to me. and I do mean EVERYTHING without leaving anything out that you have on me in its entirety. 
DELETE XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute of Inaccurate Account Information Request for Immediate Removal Dear XXXX I am writing to formally dispute inaccurate information on my credit report. The following account contains incorrect details and must be corrected or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX Account Status : Incorrectly listed as Open Remarks : Placed for Collection ( Disputed ) Account Opened : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is inaccurately reported as Open when, in fact, it should no longer be in this status. If this account has been sold to a collection agency or otherwise closed, the current reporting is misleading and negatively impacting my credit score. 

Additionally, I request validation of this debt, including a complete payment history and documentation proving its legitimacy under my name. If the credit bureau can not verify this information with proper documentation from the original creditor, this account must be deleted from my report immediately. 

Please investigate this matter and update my report accordingly. If the inaccuracy is not corrected, I will escalate my dispute and explore legal action as permitted under federal law. I appreciate your prompt attention to this matter and expect a response within the legally required XXXX period. 

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

For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, Equifax, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and Equifax are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and Equifax should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.
Product: Credit reporting or other personal consumer reports

All of the accounts that I have disputed with this agency continues to reflect that the account is still under dispute. This has hindered an impacted opportunities for fair use of credit services for personal, family, and household.
Product: Credit reporting or other personal consumer reports

It show on my report it should be remove because it incorrect it show be deleted on my credit report Im am exercise my right to the fair credit act section 609 the request info regarding first premier bank. If you unable to verify the account with the original contact the information should be removed from my credit in 30 days.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit card

In early XX/XX/XXXX I contacted Capital One to inquire about applying for a Venture XXXX credit card that was advertised as having a 0 % fee for approximately 15 months, and that 0 % applied to balance transfers. I spoke to a company rep who confirmed that I could do a balance transfer up until XX/XX/XXXX. I explained to her that was the whole reason I was willing to apply. I told her I would do the transfer immediately, even though the other balance was not coming due until XX/XX/XXXX, but she said I could wait until XX/XX/XXXX because the 0 % on balance transfers would be available until XX/XX/XXXX. Based on this, I applied for and was approved for {$20000.00} credit. In the application I specifically stated that I was applying in order to transfer the balance of the XXXX  XXXX XXXX credit card to this new card. I was told that the balance transfer benefit could not be activated until 11 days after account opening. So, I was in no rush. In early XXXX I contacted the company to find out by when I should initiate the balance transfer process in order to make sure the other XXXX  XXXX XXXX credit card balance was paid off in time ( by XX/XX/XXXX ). The rep looked and said that she could no longer see the balance transfer offer on my account. She then looked at the details of my account and confirmed that the terms stated that I would have a 0 % rate on balance transfers that were completed by XX/XX/XXXX. Accordingly, she said she would escalate this matter to the XXXX XXXX XXXX XXXX and she assured me it shouldn't be a problem getting it approved. Today, XX/XX/XXXX, the Supervisor of the Capital One XXXX XXXX XXXX XXXX called me and said the balance transfer offer was no longer available on my account, and she could not explain why it was no longer there! When I said I wanted to escalate this matter to her XXXX, she said her XXXX  do not accept calls from customers, and that she was the only one who could resolve it, but she had no authority or power to resolve this issue despite acknowledging how frustrating this must be for me. This was a bait and switch! A prime example of an unfair business practice. I relied on the 0 % balance transfer in applying for the Venture XXXX credit card despite knowing it would be a " ding '' on my credit history. The terms that were advertised and that were confirmed by several company representative were inexplicably reversed and the company can not even explain why. Capital One, if they value their reputation in the marketplace, should honor the terms I relied upon in opening an account with them. Respectfully ( but angrily ) submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my account that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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
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 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 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 Experian inaction violates federal law and my rights as a consumer. These practices are unfair, deceptive and abusive. I have disputed more than once but the most recent dispute was Complaint number XXXX and other complaint reports regarding XXXX. The result did not include any original documents that contained original authentic actual signature and the balance amounts do not match account balances.
Product: Money transfer, virtual currency, or money service

I can not access my Pay Pal account. I have a two-step verification authentication to sign in into Pay Pal. 

On XX/XX/19, I changed my telephone number. I called Pay Pal to inform them that I no longer has this cellular phone and their response was that the only choice I have is to close the account. 

I currently have a {$200.00} cash balance and {$120.00} amount due. 

I would like to keep my Pay Pal account open, I can provide additional information to validate my identity. 

Thank you. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Lowe 's credit card in XX/XX/XXXX. I maintained the credit card with a low balance and made regular, on-time payments. On XX/XX/XXXX I was in the retail store attempting to make a purchase and the card was declined. I knew I did not have a maxed out balance, so I contacted customer service and was told that my account was closed on XX/XX/XXXX. I asked to speak to a supervisor because there was no reason for my account to be closed. I still carried a low balance and I was paying on-time, more than the minimum amount due, so the account showed current activity. Additionally, this significant change was made with out any prior notice to me as a consumer. I am rejecting the closure of this account and I am filing a complaint against Lowe 's for unfair business practices. They do not follow consumer protection guidelines as laid out by the CFPB. Closing my account this way has damaged my credit score, and doing so at a time when consumers are still suffering from the effects of COVID 19 shut-downs, job loss and other economic hardships shows that Lowe 's engages in unethical business practices.
Product: Checking or savings account

I received an email from Chase saying my account was being closed and also that my number was deleted from my account. I called the next day in the afternoon trying to figure out what it all means. I have had my chase account for years, i first started with liquid then this. I asked what the reason behind it was and they told me they can not tell me. I was confused and frustrated because I use this account for everything and I also have just moved from California and thats the only bank i use in case family needs something because we all have that bank. I wish they wouldve spoken to me before just closing it without an explanation or allowing myself to provide my information or even show them i have my card. They said there was suspicious activity but i have my card and every alert and notification comes to my phone and email so I was very confused. I do not wish to go into the check system because ive heard those are hard to get out of especially since ive done nothing wrong and i dont want my credit affected.