23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loancare put us in a forbearance and promised us we would be able to do a modification when the period ended but know the story has changed and whats a full payment.. they are saying no to a modification while for months promised we could????? Please Help this company is very bad Im sure Im not the only one if you can do anything my family and I would be greatly appreciate.. we are all ready to resume payments we are both back to work now that virus is better now.. this is not what we were told all along.. its a shame
Product: Mortgage

Loan Depot did not follow closing documents. 
Date Issued XX/XX/2020 Loan Closing XX/XX/2020 Disbursement Date XX/XX/2020 Check received to borrower XX/XX/2020 At closing with a notary the closing disclosure it shows money to borrower {$20000.00} but I received a check today for {$19000.00}. This was after the mandatory 3 days on which to cancel. I would have cancelled if I had known that Loan Depot would do this, but they do this after it is impossible to cancel, very poor company. When I called Loan Depot was given all sorts of excuses about credits, etc. Loan Depot is very hard to obtain customer service, previously with XXXX and they respond immediately.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX, XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX, XXXX XXXX are financial institutions and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( XXXX, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent account information with XXXX XXXX XXXX XXXX is being furnished to the credit reporting agencies XXXX XXXX, XXXX, and Equifax. I am seeking remedy for the information to be blocked and permanently deleted from my credit report and file within 4 business days as required under the FCRA. I have already completed and filed an identity theft report with the Federal Trade Commission. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Historically, I have been able to lift a " freeze '' on my credit report by using Experian 's call in number, XXXX. Today I attempted to lift my freeze for a brief period of time with no success on three separate ocassions with no success. In all instances, following my successful migration through online questions ( i.e., SS #, birthdate, mailing address, and my Experian PIN, lift date, and re-freeze date ) three separate times, the recorded announcement explained that my identity was inadequately provided and that I would need to mail sensitive PI to them to get my freeze lifted. As the result of not being able to speak with a person at Experian I again called Experian an opted out to an Experian representative at XXXX. The representative ( using the same information in their automated telephone question/response ) successfully assisted me in lifting my freeze for my requested period. I expressed concern that their phone-automated system failed to recognize my credentials. I asked the representative, and their supervisor, to whom I should direct my concerns. Both the representative and supervisor were unable/unwilling to connect my phone call with the organization/person responsible for the telephone-inquiry software. I am quite concerned about the automated telephone response that requested sensitive PI for no apparently legitimate reason. I want a response from Experian as to why it would be necessary for me to further legitimize my identity. Please assist me in obtaining an explanation from Experian.
Product: Credit reporting or other personal consumer reports

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX on XX/XX/XXXX XXXXsomeone applied for a credit card. No action by me or the company XXXXXXXX XXXX XXXXXX/XX/2023 someone applied for a credit card No action by me or company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complain because i notice multiple unauthorized inquiries on my transunion credit report. 

Inquiries include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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, 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, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a matter related to my credit report for Equifax, Experian and TransUnion that has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. My recent attempts to resolve this issue have been unsuccessful and I am requesting immediate corrective action. 

The information that is in question is 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 Total {$580.00} Investigation or action was not taken in a timely manner, or the results were not communicated clearly. As you know, the FCRA requires that disputes be investigated and resolved promptly, usually within 30 days. 

To further clarify, I believe the failure to resolve my dispute accurately or within the statutory time limit constitutes negligent noncompliance on your part under 15 U.S. Code 1681o. As such, I am requesting the following : An immediate re-investigation of the disputed entry. 
A written statement outlining the findings of your investigation and the corrective actions you will take. 
A clear explanation of the reasons for any continued errors, if applicable. 
Additionally, I would like to remind you that under the FCRA, I am entitled to recover damages for any negligent noncompliance, including actual damages, statutory damages, attorney fees, and costs if this matter is not resolved promptly. 

Please address this issue within 30 days from the date of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to enforce my rights under the FCRA, including pursuing civil liability for damages. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Product: Mortgage

I have been requesting Bank of America remove PMI from my account for over 5 years. 

I was told my account was eligible but the letter stated Bank of America needs a property valuation with a fee of {$100.00}. 

I paid to overnight a check in the amount of {$100.00}. On XX/XX/2023 I called Bank of America about PMI removal and spoke to someone named XXXX in PMI department. 

To my surprise He advised that regardless of what the original letter statedit was no longer valid because it had been more than 30 days. 

No where in that original letter does it state This letter is valid for 30 days. Or the customer must send the payment no later than 30 days. 

This is unfair to consumers and should have been disclosed. It appears now the process will be delayed once again. 

How much money is Bank of America making by holding these PMI payments for years by setting up these road blocks and delays to avoid deleting PMI.
Product: Debt collection

XXXX XXXX agency is Transfinancial Companies representing XXXX XXXX XXXX, the amount billed is {$680.00} and {$290.00}. The dates of service is XX/XX/XXXX. I have spoke directly to Transfinancial Companies whom directed me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke with the Business Director, XXXX XXXX, she stated " she does not what to do what to do with the bill ''. I'm disputing the bill because at that time I was a prisoner at XXXX XXXX, I was brought to the hospital after being arrested not at my request but because the officer assumed I needed care after previously having a XXXX that I was already treated for at another hospital 2 days before my XXXX. During the hospital visit I refused service with signed documents that the billing office viewed and still chose to bill me for services that were not rendered and also given without my consent. My point of contacts were XXXX XXXX at ( XXXX ) XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. I feel that I should not be held responsible for the bill being that I was not brought to the hospital as a XXXX, also I denied treatment with proven documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have been trying to get a refund of a student loan payment I made during the COVID-19 pandemic ( on XX/XX/2020 I believe ) for some time. I have reached out to my servicer- both my original servicer PHEAA, and the servicer my loans were transferred to, XXXX, multiple times via email. PHEAA just keeps telling my my loans were transferred, and XXXX doesn't respond at all. Today I tried to call PHEAA, and after selecting several options from an automated menu, I was instructed to hold. Then the line hung up on me after less than a minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified account and past 30day no response : XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit card or prepaid card

On XXXX XXXX, 2018 I purchased two wedding rings for {$3200.00}. The cashier original rang the purchase plan up as 12 month same as cash. She was clearly more interested in making a sale instead of provided me with good customer service. The store manager  XXXX corrected the error, return my purchase, and re rang the purchase under the 36 month plan@ 9.99 % interest. Unbeknownst to me XXXX XXXX XXXX did not adjust the error on their end. After several months of calling, speaking to different managers, disputing the issue with the dispute department. XXXX XXXX XXXX is refusing to correct the error. Even, though I have submitted my receipt showing I should be under the 36 month promotional plan, and not be charged 29.99 % interest. Manager XXXX @ extension XXXX agreed that an error had been made on XXXX XXXX part. But, " he had to be very careful what he said. '' Account name is under my wife XXXX XXXX
Product: Debt collection

I do n't believe that I am responsible for a debt that is showing on my credit report. This debt if from XXXX XXXX Apartments I believe they illegally sending information to the collection company I. Q. Data International , Inc as to the amount that I owe in connection with an apartment my daughter lived in to where I cosigned for credit so she could get the apt as she recently moved from XXXX to XXXX. My daughter moved into the apartment on XXXX/XXXX/XXXX and was evicted from this apt complex on XXXX/XXXX/XXXX due to failure to comply with lease agreement. My daughter did go to court proceedings in XXXX and was evicted from the apartment on XXXX/XXXX/XXXX. My daughter did inform there was a attorney bill that she would be resonsible for but they never billed her for. The first notice that I ever received regarding this issue was from I.Q. Data International , Inc. informing that this issue went straight to collections without prior notification to me or my daughter so that we could attempt to resolve any debt or issue. We have never received any billing as to the break down for the charges they are informing I owe as the principal due. I never received a bill period from XXXX XXXX XXXX as to why I owe them this amount. I found out it was on my credit report as I am seeking a new job since I was displaced and was rejected for being hired by several prospective employers due to this collection on my report. I was informed my first step was to send a request to XXXX to remove the debt as well as to I.Q. Data International, Inc for validation of the debt. Today I received a letter from I. Q. Data International, Inc with the cosigner agreement letter and security deposit refund accounting form written up by the manager/owner of XXXX XXXX Apartments from I. Q. Data International , Inc. this is a freeform document where he has written in amounts for termination fee eviction fee repair costs totaling {$3600.00}. No proof of incurred charges was received at all. I am requesting that the item be removed from my credit report due to myself and my daughter never being properly billed prior to being put on my credit report, lack of validation of debt, and lack of clear invoices/ receipts showing legality to the amount owed. I 've attached the letters that I sent priority mail to XXXX as well as IQ Data, Inc.
Product: Vehicle loan or lease

In XXXX  I bought a car from American car center, that shortly sold out to XXXX XXXX XXXX, after the sell out I didnt receive any of the things promising me. No free oil changes no discounted work on the car. I end up having to pay for a whole new engine which ended up being almost {$5000.00} and then they repossessed the car after missing a payment is just spent {$5000.00} on a new engine which was supposed to be covered with a {$500.00} deductible I in total have spent over {$10000.00} on that car just in repairs since I had it then after they repossessed it they told me I still owe them {$14000.00} which if anything they should pay me back the XXXX for the new engine
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX AS WELL . THANKS



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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

I have a XXXX mortgage with BOA. I have been paying on it over 10 years. I have never missed a payment. I monitor my credit report for it is important to me to keep my credit status in good standing. It was not until I received a notification from the credit bureaus that I realized BOA reported to the bureaus that my account was late on payment. My credit score dropped a significant number of points for this reason. I checked my bank account and the payment was made on time. I called BOA and they said it arrived in time but was short about {$54.00}. I was upset and mentioned that BOA has then misreported what actually occurred to the credit bureau. It was not late. I disputed the transaction with the credit bureau as well as with BOA and BOA will not remove the negative reporting. What had occurred was the interest rate changed so the amount of the monthly amount increased. What is so ironic is the payment use to be approx $ XXXX-XXXX a month for 10 years and now XXXX. I never received a kudo on my credit report when I sent in XXXX or more in the past but as soon as it was short they were quick to report that without notifying me. Overall my complaint is I explained why the payment was short ( I had no knowledge of after 10 years of paying on this XXXX that the amount had increased. I go into my bill pay and plug in the same amount for years. But to report to the credit bureaus that the payment was late was inaccurate, incorrect and false. The payment was made on time!
Product: Credit reporting or other personal consumer reports

attched .police report to finally put an end to all this effecting my life full of hardship and advance. Please expedite asap
Product: Credit card or prepaid card

On XX/XX/2023, I paid using Capital One 's mobile app from my checking account on app, my Capital One credit card ending in # XXXX. 

On XX/XX/2023, Capital One lost my payment. 
On XX/XX/2023, Capital One posted my {$100.00} payment as " '' OTHERS ''. 

This is consumer fraud, XXXX. XXXX business practices. 

I faxed XX/XX/2023 Capital One PaymenXXXX Investigations and they continue to lie, steal and cheat consumer.
Product: Money transfer, virtual currency, or money service

make a transaction Through XXXX and by mistake a number was not correct, a deposit of XXXX dollars was made
Product: Credit reporting

I disputed some of my accounts through Equifax asking for verification. XXXX of the accounts were charged off in XX/XX/XXXX. They sent me back " verification '' of the accounts with only a balance and missing payments which are already found on my credit report. The accounts were opened in XX/XX/XXXX so I wanted to see actual verification with a signature and other documents. After sending the " verification '' they updated my account to show these XXXX charged off credit cards as my current revolving balance. These accounts were not on my revolving balance for years and I have received no bills for these accounts. This took my credit score down over XXXX points. Can you please help me with getting these accounts removed or at least removed from my current revolving balances. Thank you, XXXX XXXX