23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I noticed a XXXX XXXX Credit Card inquiry on an unofficial credit report, via a service provided by my bank. On XX/XX/XXXX, I received a XXXXXXXX XXXX XXXX XXXX in the mail, which I did not apply for. It already had a balance of {$5500.00}. I contacted the customer credit line, run by XXXX XXXX, and filed a XXXX claim that same day. Additionally, I placed a fraud alert and credit freeze with all XXXX major credit bureaus. A few weeks later, I received a folio of checks in the mail for an account opened in my name at XXXXXXXX XXXX XXXXn XXXX XXXX - at branch address : XXXX XXXX XXXX, XXXX. The same day, I received a denial letter from XXXX XXXX, XXXX, for a line of credit at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ), which I also did not apply for/open. I filed a fraud claim at XXXX XXXX  on XX/XX/XXXX, and with XXXX XXXX on XX/XX/XXXX. XXXX  XXXX is in progress. All claims were notarized and submitted by end of XX/XX/XXXX. 

Since that time, a fraudulent account has gone into collections listing XXXX XXXX as the creditor, and has been reported to credit reporting agencies. The first to appear in collections was by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The second time a XXXX XXXX account was placed in collection was by XXXX XXXX XXXX in XX/XX/XXXX. 

As of XX/XX/XXXX documents including original police reports, letters, and FTC reports were submitted to XXXX XXXX XXXX. These documents were originally submitted to XXXX XXXX XXXX XXXX XXXX, and the matter was successfully disputed and resolved, and consequently removed from my credit reports.
Product: Bank account or service

On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my attachments.
Product: Credit card

I called Citibank to pay off my Best Buy credit card and to close the account on XX/XX/year>. I was told my final bill was XXXX  and the representative would waive the late fee and interest for XXXX. ( The due date was XX/XX/year>. ) Since XXXX, I have continued to receive bills for late fees and interest even though there should be no balance on the account. I called on XX/XX/XXXX to dispute the fees and was told I just need to pay the charges. I called back on XX/XX/year>XXXX  after receiving a notice that Citibank would report the missed payments to the credit bureaus. I was told that Citibank does not allow customers to dispute fees. I was transferred to Customer Service, and after 15 minutes on hold the voice was so garbled, I could not make out any words. I called back but was still unable to make out any words due to the garbled voice. Each month they continue to charge me an additional {$42.00} and change as a late fee and interest.
Product: Mortgage

We got in contact with our bank that is with our heloc for the amount of {$27000.00} They sent out a packet for us to fill out and send back On XX/XX/2021 for a modification. Everything was filled out and sent back with all documents required. We were waiting for a response in which the did by phone and said everything was approved. Thinking everything was fine and waiting for details and never heard back from them. I called and left several messages to return our call in XX/XX/2021 and haven't heard anything from them, won't return our call.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus - XXXX, Experian, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : [ Disputed Item XXXX ] : XXXX XXXX XXXX  # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX  XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX  XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX  # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 

These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory. 
In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated timeframe.

Thank you for your attention to this matter.
Product: Bank account or service

Four or five months ago I gave my wife {$10000.00} so she would have money in her own name. I searched for the best bank offer and found an offer from Suntrust bank in XXXX, FL. My wife and I went there and set up the account. We told the bank officer that we were there only because of the offer of a {$250.00} bonus for large amounts that were left on deposit for at least three months. The account was set up in my and my wife 's names. The bonus was never posted to the account. Last week we went to the bank and talked to a different bank officer. He said the original bank officer was no longer with the bank. He checked the account and said that we were denied the bonus because we had not set up direct deposit to the account. I informed him that we had n't signed up for a direct deposit offer, that since my wife has no regular income that would n't make sense. In fact the original bank officer looked through the offers and rejected that one because of the direct deposit requirement, the offer she signed us up for had no such requirement. The bank officer we were dealing with on the later visit asked for proof of the offer that we were stating we had been given. We had not kept proof, we assumed that the original bank officer was capable of giving us an offer that we qualified for and that the bank was capable of tracking their bonus offers. Those assumptions proved to be false. After much delay we were told that the bank would not honor the offer. We promptly withdrew the money.
Product: Credit reporting or other personal consumer reports

I have a Fraudulent inquiry from the home depot and i would like to get it removed off my credit report here is a list of the fraudulent inquiry The Home Depot XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Mortgage

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Mortgage

I did a loan modification with bank of America last XXXX, It was very easy and after a short time I got a coupon book in the mail to make XXXX trial payment that were a lot lower then my original mortgage payment. I made all three payments that were for XXXX, XXXX, XXXX. and my payment was then set to that low payment. I then made the XXXX, XXXX, XXXX, XXXX, XXXX payments. My XXXX payment jumped up {$600.00} dollars. When I called Bank of America they stated to me that there was a {$5000.00} dollar balance left owed on escrow. That I was never told about. They also said that they wanted a cushion in the escrow account for future payments on taxes and Ins. I informed them that I could n't pay the new mortgage amount. I then was told that I could do a modification after a year has past. I was also told I could start the process in XXXX 2015 and in XXXX it would be a year. So I Filled out the Modification application and started to gather all my copies and statements. It was the worst experiences I have ever had. I was receiving XXXX packages almost every day requesting more stuff. My contact person was XXXX XXXX Who did n't care about me just the numbers. I was being called for paper work that I already sent and questioned on accounts I paid off. Now three months later they send me a denial letter stating the reason they could n't do the modification was I needed to wait 24 months not 12. to apply for a new modification. When I spoke to XXXX XXXX after receiving the letter I asked her why was I still sending papers and faxing things to her if all along you know I was n't in the guild line of a new modification. Her answer was. That 's the FHA guild line. So the time and money I spent on coping and faxing was all for nothing. Thank you Bank of America Sign XXXX XXXX. a very disappointed customer.
Product: Checking or savings account

I contacted a old friend for a loan to build a duplex at my house and they put a fake check in my account that I was not aware of and I thought it was real. Now my account is closed and the person does not answer after taking funds as well.
Product: Mortgage

Hi, My husband and I applied for refinancing for two investment properties with Aimloan.com. After two months of supplying numerous documents multiple times, we finally signed the closing documents. The day after closing we were advised by Aimloan that they did a soft credit check on us and found out that we had applied for SBA disaster loan assistance henceforth they will not be funding the loan. 

I believe Aim loan is in violation of the Equal Credit Opportunity Act. I have tried to speak with several top officials at Aimloan including XXXX XXXX XXXX Of Operation ( XXXX ) with no resolution. I have attached loan cancelation letters that I received from Aimloan below. 

Please email me at XXXX if you have any questions. My phone # is XXXX XXXX XXXX I am easily accessible by phone or email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX. USC 1681 Sec 602a states that I have the right to privacy. 15 USC 1681 Sec 604a Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Ive spoken with XXXX and confirmed I never opted in to reporting and that Pursuant 15 6802 I was never given proof of my ability to opt out of credit reporting which is a violation of my rights. The credit bureaus are working with this company to defame me and have ignored all requests to rectify the situation without federal litigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX 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 from TransUnion. Please delete the following accounts. XXXX. ) XXXX Formerly XXXX XXXX {$15000.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX of XXXX XXXX XXXX {$22000.00} XXXX. ) XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX {$860.00} XXXX. ) XXXX XXXX XXXX {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Between XX/XX/2023 and XX/XX/2023. The settlement was completed online. The agent stated they won't removed my card or give me settlement letter stating that the settlement and the remaining balance won't be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau XXXX with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
Product: Vehicle loan or lease

Regard to the XXXX of a vehicle from Credit Acceptance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of being violated by Experian on multiple cases, I have exhausted every recourse and remedy to protect my consumer rights. I have requested my consumer file pursuant to 15 USC 1681g ( a ) but they didn't send it to me, I requested for the description of procedure to determine the accuracy and completeness of all the information I am disputing pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) many times, but the agency did not sent me what I requested in 15 days from the first time I requested on XX/XX/2022 through mail and until now, I have also complaint about identity theft, I even sent my FTC report together with the letter as a proof of complaint but they didn't delete the information in 4 days pursuant to 15 U.S. Code 1681c2, and I sent another FTC report to them together with my last dispute after that which I mailed on XX/XX/2022 and received a response from Experian last XX/XX/2022 through email that they are still investigating the identity theft I complained about and will conclude the investigation on XX/XX/2022 when they should have deleted it in 4 days. 

In addition, Experian changed the address for the child support account into a fake address, a po box , that is being reported on my credit report after mailing a complaint to them last XX/XX/2022 saying that I have not been able to identify the original source of the child support enforcement account. I wrote the address provided on my credit report and I received a letter back saying I wrote the wrong department. I then in turn wrote the court house in XXXX XXXX where family court dispositions are stored. I was informed by the court clerk that XXXX XXXX court does not furnish information to the credit bureaus. My last recourse was to request my credit file from Experian to see exactly who is reporting this erroneous information but to my disappointment even Experian a XXXX dollar company can not follow the law and provide me with the documents congress has granted to us the consumer. I am left with no alternative but to file an identity report with the FTC and send it to them because I do not know where this account has come from so now their response is to change the address again into a fake address hoping I'll just stay silent and write a letter again to the fake address they provided. I want this account deleted for them not being able to verify this nor provide the real address of the account they are claiming to be accurate. I know and understand that data resellers like XXXX seek out public information from the XXXX  system to violate consumers right to privacy and report information that they have no permissible purpose to report.
Product: Mortgage

I mailed an application for a loan modification on XX/XX/year>, with all the requested forms filled out and providing all the information as instructed. 
Since then, I have been routinely told I havent provided all the necessary information for a loan modification review. After months of trying to meet all their requirements, they have told me I am not eligible because of XXXX. They provided no other information. See my attached letter and my previous complaint # XXXX.
Product: Checking or savings account

US Bank offered {$300.00} after opening account with a {$5000.00} minimum. Money needs to be in account at least 90 Days. My deposit was made over 120 days ago and havent received the {$300.00} dollars. Ive called customer service three times in the last month about not receiving the {$300.00} with no success.
Product: Mortgage

My husband passed away XXXX XXXX. He left a will leaving me as sole beneficiary of his estate.Including in his estate was a property located at XXXX XXXX XXXX XXXX XXXX which had a mortgage.I sold this house and went to closing XX/XX/XXXX. I couldnt afford the mortgage after his death. 
Prior to my husband 's death the mortgage was held in his and his ex-wife 's name.After the ex-wife received everything she wanted within the divorce agreement she, by law had to issue a quick claim deed to myself and my husband for the property mentioned above. 
PHH Mortgage is refusing to issue the escrow refund check to me although they have already declared me to be successor in interest. 

I have complied with their requests to send them multiple documents to their " research '' department to no avail.I have sent them PHH Mortgage my husband 's will and the deed reflecting my ownership.
Product: Mortgage

My mortgage lender paid property taxes from the escrow account while I was appealing the bill and after I asked them to delete the escrow account.