23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Looking in to a refinance. I applied on XX/XX/16. Loan officer will not provide me with a loan estimate until I provide him with full income documentation. I argued with him that he has my credit info and full application but he refuses to send it to me! This is his info : XXXX XXXX | XXXX  : XXXX Licensed Loan Originator Reliant Home Funding, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | NY | XXXX Direct : XXXX Fax : XXXX
Product: Credit reporting, credit repair services, 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/23 to XX/XX/23 Ive sent out documentation to Dispute. This hard inquiry with Experian. Experian has been giving me a hard time about this hard inquiry which I file for FTC about this inquiry and Experian refuse to remove along with the documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about multiple issues, the first began in XXXX of XXXX, when I submitted the XXXX company to Experian Boost,  so I would be able to get a boost with my credit. It worked only one time when I was able to get a boost after submitting my XXXX XXXX  information. However, in XXXX and thereafter I did not receive another boost to my credit for XXXX, even though I continued to pay my bill and XXXX continued to report my monthly payments. Experian later told me that sometimes the boost works and sometimes it doesn't work for certain companies. But the fact of the matter it had worked for XXXX before, why it stopped I don't know? 

Next, I tried to submit my XXXX bill for boost back in XXXX of XXXX as well, but I was told that the XXXX bill would not be able to be accepted with boost at that time. So I continued to contact Experian credit bureau to see if they would accept my XXXX bill, but kept being told that my XXXX bill could not be accepted. Which ultimately caused me to lose points with my score. They also have not been updating their information about accounts. The last update was back on XX/XX/XXXX. 

Lastly, I received a decrease to my score at the end of XXXX. This was due to inaccurate information being placed on my credit information. I received a decrease because it was reported that one of my credit card accounts had closed, when in fact the card had changed ownership and switched to another account. But the card had never closed. Experian never fixed or recredited my account for those loss points. Then recently I received a 21 point decrease to my credit score, this coming after being told that the government would see to it that people credit would not be effected during the pandemic. However, my score decreased significantly for reasons unknown to me. According to the website of Experian, I had been making my payments on time and not using too much credit, doing a good job overall. But yet and still, my score took a big hit. When I asked Experian about the decrease, I was told that they could not tell me why my score was decreased. This to me is completely absurd!
Product: Credit reporting or other personal consumer reports

Security finance placed a charged off account on my consumer report that is inaccurate. In the correspondence that was a computer generated letter which addressed Mr./Ms. XXXX I received from you ( Security Finance ) dated XX/XX/XXXX. In the correspondence dated XXXX  you address me as Mr. Now in your computer generated letter/correspondence XX/XX/XXXX you address me as Mr./Ms is offensive and profane language as I provided Security Finance with photo identification multiple times to prove my identity that showed you I am a male. This act shows their carelessness towards me as a consumer, person, and human being. Also, in your CFPB response to account # XXXX You ( Security Finance ) stated that This letter shall serve as verification and also After careful investigation and review, we have verified that we are accurately reporting the tradeline. This is inaccurate because you reported a charge off on my consumer report for XXXX XXXX XXXX to XXXX. That is not me and I dont know who that person/consumer is. So, how can you be reporting accurate information when the name is not accurate. Also, how did you get my last XXXX social security numbers and birthday without my authorization? This account needs to be removed for inaccuracy and unauthorized use of my personal information. The signature on the line of the contract is not mine as well for this account # XXXX. This is illegal and violates multiple of my consumer rights.
Product: Credit reporting or other personal consumer reports

incorrectn information has been placed on my credit report on different dates that will be listed below we other incorrect items that should be removed immediately. 

Inquiries : Banks and 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  Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, Today I found that my credit score is dropped because the collection agency put debt to my account. I have never heard about this agency. They never contacted me, no email, no contact, and no written mail was received from them. Also, the debt that they are put on my account is invalid since the membership account had not been activated and was closed. 
In addition, when I searched I found that this company is not existed anymore and their license is expired in 2013. There are lots of complaints against them due to the same reason. How come without any notification they can put dept on my account and reduce my score for XXXX!
Product: Checking or savings account

On XX/XX/XXXX I became aware of fraudulent activity with my primary checking Visa debit card. I reported it to my bank, the State Employees Credit Union/SECU, and cancelled the card. I followed up on Monday, XX/XX/XXXX, after the two fraudulent charges posted to my account. I was assigned a support case number but told it would take ten business days to refund the money. In any case my liability would be limited to {$50.00} as I reported the fraud less than 24 hours after it happened. There were two charges, {$370.00} and {$390.00}. I waited ten days and contacted them again on XX/XX/XXXX. They said they had no record of my having reported anything even though I had an email acknowledging it and assigning a support case number. The woman I spoke with said I would have to start over and wait another ten days. I spoke with her manager and he refunded the money that day. On XX/XX/XXXX they reversed the credits and took the money back out of my account. The person I talked to said they had investigated and decided the charges were valid.
Product: Student loan

This is my third complaint regarding this issue. Fed Loan Servicing is flat out REFUSING to apply qualified payments towards PSLF program. I received word from the CFPB that the issue had been resolved and Fed Loan Servicing sent me a letter showing " applied payments '' ( see attached ). They made it look like they took action when they did NOTHING. The PSLF payments that need to be applied are from XX/XX/XXXX - XX/XX/XXXX from my employment with University of XXXX  XXXX XXXX. I work for a XXXX ( XXXX  ) ( XXXX  ) XXXX XXXX. I believe this is being done flagrantly and intentionally. The letter that they sent me is the EXACT same letter for my XXXX certification with a new date slapped on it. They did absolutely nothing aside from push the complaint away and flagrantly lie to the CFPB on resolving the issue.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with a dispute against consumer reporting agency - TransUnion. TransUnion is reporting inaccurate information- ( inquiries ) onto my consumer report that needs to be deleted immediately pursuant to 15 USC 1681e ( b ). I did not consent to nor authorize any of the following inquiries that are reporting onto my consumer report. I want them deleted immediately.
Product: Mortgage

Victim of robot-sighning, OCWEN mortgage co, 10 year old loan. 
Title work at XXXX XXXX XXXX XXXX does not list us as owners mor OWCEN as mortgage co
Product: Debt collection

I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided. 

My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified and updated. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report continues to reflect discrepancies.
Product: Credit card or prepaid card

I requested a replacement card from Amex Bluebird and was told that there is {$5.00} fee. I read the terms and conditions of my card and nowhere in that contract I could find " this fee ''. The FTC or any US regulatory company governing this business should look into this sneaky tactics
Product: Debt collection

We have been contacting XXXX XXXX at XXXX, for several months, requesting the termination of our membership. Weve owned this for over 10 years now and it has not benefited us in any way. Weve poured thousands of dollars into XXXX XXXX at XXXX because we were told that travel would be made easy and affordable, but it hasnt panned out that way whatsoever. The fees have steadily increased, but the improvement of services and quality has been very minimal. In the midst of us requesting the termination of our membership they sent our account to a collection agency, Aspen National Collections. Dealing with a collection agency is something unprecedented to us and it was very, very upsetting to receive such a notice. Weve paid XXXX XXXX at XXXX dutifully for years and their disregard for long standing members is abhorrent! We do a lot of business that involves our credit, so having it tarnished is unacceptable. We never agreed to work with a collection agency. This matter needs to be resolved directly through XXXX XXXX at XXXX. Any offer of mediation is unacceptable and we expect a prompt response from XXXX XXXX at XXXX with options to fulfill our request of termination.
Product: Checking or savings account

I received an inheritance. It came in the form of a large check from my grandparents. My family is relying on that money to pay our mortgage and bills. JPMorgan Chase explained to us that since it was a larger amount than we have ever deposited, they would not post any money to our account without waiting 10 days. Far more than they expect us to wait. They explained and acknowledged that they were penalizing us for not being wealthy, effectively, and not depositing large checks. Wealthy people that deposit large checks and dont live check to check seem to have every advantage with the banking system. Chase even spoke with my grandfather and their bank to verify the check. They still have decided to not post any money to my account until next week. They have acknowledged that they are already in possession of a large portion of the funds. Im being penalized for not being wealthy.
Product: Credit card or prepaid card

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of XXXX  days late, XXXX instances of XXXX  days late, and XXXX instances of XXXX  days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within XXXX  days of my request. 
Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : Paid As Agreed Never Late.

Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least XXXX  days before payment due dates. I demand evidence that these obligations were met. 
Resolution Timeline Per the FCRA, you must complete your investigation and provide me with a written response within XXXX  days of receiving this dispute. Failure to comply will constitute a violation of federal law. 
Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes. 
A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity. 
A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX L Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, 2022 I.C. SYSTEM, INC Account # XXXX Original creditor : XXXX XXXXXXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, 2022 MXXXX XXXX XXXXL Account # XXXX Original creditor : XXXX XXXX XXXX XXXXXXXXI {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 2022
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting

Equifax is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 bankruptcies were removed then added back causing my credit score to drop 21 points.
Product: Credit card or prepaid card

I purchased XXXX gift cards on XX/XX/2023 worth {$500.00} each ( total {$2000.00} ). I went to go use the cards the same day and the magnetic strip would not work. After we gave the card to cashier to type the card number, they noticed that one number was scratched off the card. I then checked the rest, and they were all tampered with. I immediately contacted Incomm the same day and they gave me the information to submit a claim. I then submitted a claim online and I got an email reply stating that lost or stolen cards would be replaced within 30 days. I have called several times to get an update on the status of my claim but kept getting the run around and that it would be up to XXXX business days. I called today on XXXX which is more than 30 business days, and they still didn't have any information. I asked to speak with a supervisor, but I was just put on a long hold with no response. My claim number with Incomm is XXXX. I would like a refund of my purchase or my cards to be replaced immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB and Experian, This is a *new* claim with *new* updated information - attached to this *new* complaint are a letter from me, copy of my drivers license, proof of social security number, mailing address, letter from XXXX XXXX to remove my late pays, and todays full credit report showing the late pays from XXXX XXXX as well as a creditor I am challenging as mine. Please have this handled immediately as this is damaging my credit and I am buying a home.
Product: Debt collection

On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.
Product: Debt collection

I sent multiple dispute letters to Experian about removing a PAID closed account. however Experian refuse to delete the account. However challenging this XXXX deleted the account and Experian saying its updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA.