23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX do not belong to me. My name is XXXX XXXX XXXX XXXX : {$3400.00} Interest : {$1100.00} Total due : {$4600.00} Date assigned : Enclosed- not sure what this means Dates of alleged invoices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX Request to validate debt : XX/XX/XXXX - never taken off credit report after disputing.
Product: Mortgage

I had inquired about refinancing an income property, with Reliance First Capital. After answering all their question and supplying all the requirements. I was told that as long as my appraisal was for enough we would be all set. After paying for appraisals was told everything is all set it came back well above what was needed and now just to update paperwork, which was done with in the next week. Approximately a month latter and they, then pulled the financing and wanted me to spend more money on cosmetic updates to the house and repairs to the barn, ( which is what some of the cash out money was to used for ), along with new and different inspections again looking for more money before they would continue. It was latter disclosed to me, that they had also contacted the appraiser and want/had the finished/final appraisal changed in order to not fund the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unrecognizable inquiries from XXXX XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Product: Checking or savings account

Purepoint closed my online savings account on XX/XX/20 with no prior notification and without my permission. 

I received a phone call the prior week ( on XX/XX/20 ) from Purepoint asking me to call them back at their convenience. As I was traveling that week, I hadn't gotten the chance to call them back at the time of account closure. 

When I called Purepoint on XX/XX/20 to learn of the details of the account closure, they said my account was not in compliance with bank secrecy laws because they needed more information about the joint holder of the account ( my wife ). Purepoint says that they had reached out to my wife for further information ( emails and letters ) but she has no record of receiving either form of communication. 

As I see it, Purepoint gave us one week to call them back, which we didn't do in a timely manner, and promptly closed the account without further thought of ramifications.
Product: Credit reporting or other personal consumer reports

I SAW THAT THERE WAS CHARGED OFF THAT SHOULD BEEN REVERSED AS A PAID IMMEDIATELY AND LATE PAYMENTS THAT SHOULD HAVE BEEN REMOVED AS A COURTESY!!! I WANT ALL NEGATIVE INFORMATION REMOVED ASAP AND {$140000.00} in lost wages!!!!
Product: Credit reporting or other personal consumer reports

I pulled my transunion and experian credit report. I noticed some inaccurate and incomplete accounts reporting. XXXX XXXX XXXX XXXX and a Bankruptcy. I disputed the accuracy and completeness of those accounts and requested a reinvestigation. The accounts came back verified. Now I'm aware the FCRA states that accounts are suppose to report 100 percent accurate and complete. If that's the case how are two different credit reporting agencies reporting different things. This clearly shows NO INVESTIGATION was done. Transunion verified a bankruptcy. I contacted XXXX XXXX. No bankruptcy is reporting, and contacted the court house and as you can see from the letter they don't furnish information to the credit reporting agencies. So then who furnished this? You are clearly violating the FCRA.
Product: Credit reporting 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 and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 an 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

My credit reports are listing a bankruptcy from Experian, XXXX  , & XXXX  and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote Experian, XXXX, & XXXX  ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Product: Debt collection

I have been a victim of identity theft, data breach, and Human Trafficking Debt Bondage ; this collections account is something I have no idea or record of. It is from a company called XXXX XXXX XXXX. I do not owe any debts that are not current or paid, I have no account of who are where this is from. It is in error and needs to be blocked, deleted and removed. XXXX XXXX XXXX : Account # XXXX, balance {$2900.00}. Date opened : XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
Product: Mortgage

On or about XX/XX/2020 -- Buyer 's Attorney and Settlement Agent for the Transaction forwarded an incorrect Closing Disclosure to us as the Sellers, presumably from the Buyers ' Lender NJ Lenders Corp., in preparation for a closing to take place on XX/XX/2020. After multiple unsuccessful attempts to get the Closing Disclosure corrected, we received a revised Closing Disclosure on XX/XX/2020 via email the day before the Closing that was revised but still incorrect. 

The XX/XX/2020 Closing Disclosure did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction under funds Due from Seller at Closing was given to us for signature and this included many errors such as listing the Additional Deposit of {$43000.00} provided to us and held in escrow under the terms of the purchase contract as an " Excess Deposit '' on the Closing Disclosure and calculating those funds as going back to the Buyer in the line items for calculation of the Cash To Seller and the Total Due From Seller at Closing. 

The XX/XX/2020 Closing Disclosure also did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction was given to us for signature and this included many errors that also involved the {$43000.00} and gave the same result of the XX/XX/2020 document : erasing the entire amount of net proceeds due to the Sellers in the Calculations section. The XX/XX/2020 error was that the Buyer 's Additional Deposit of {$43000.00} to be credited to them at the Closing was listed as a Deposit Paid By Buyer under the Sellers ' Side of the Transaction. This was then calculated under the Calculations line items as Funds Due From the Seller and not The Buyer. The Funds for the Buyers ' Purchase are always Due From the Buyer, although the Seller is given the Deposit with the Purchase Contract to hold in escrow those funds are credited by the Lender to the Buyer for their mortgage and should NOT be listed in anyway as funds due from us, the Sellers. In addition, the Calculations shown at the end required the Seller to provide XXXX at Closing and the Buyer to provide {$430000.00} at the Closing. The Sellers should not be responsible for paying for their own house and there are errors. Please help us get these documents corrected.
Product: Credit card

I have a Care Credit card and had about {$15000.00} worth of dental work done. I had been making the payments that they had set up and had it down to about XXXX. All of a sudden my balance went to nearly XXXX they said that my promotional period had expired. i KNEW NOTHING ABOUT THE PROMOTIONAL PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry.

Very Respectfully, XXXX XXXX
Product: Checking or savings account

I am a XXXX  at the XXXX XXXX XXXX XXXX XXXX and I got a job offer from the school email about doing a research for a professor and they said checks for me to deposit it and used the money to buy gifts cards and after everything the checks bounced and I didnt get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report to transunion, XXXX and XXXX and they have not removed the illegal and inaccurate information that is reporting on my file
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I have notified all three credit Bureaus XXXX, XXXX, Equifax and XXXX XXXX that XXXX XXXX  is not my account I have never done business with them. I asked for a copy of original paperwork to prove I did business with them. And if the account was sold to them from someone I never have permission to do so,
Product: Checking or savings account

My name is XXXX XXXX, I had a checking account with Frost Bank and reported unauthorized charges on my account on XX/XX/XXXX via Frost webservice as instructed on website as well as in writing via mail due to me not being able to go to a branch due to illness. I never recieved any feedback regarding the disputes which also caused my checking account to be over drafted as well as accumulate fees and has since been sent to collections and is being reported to my credit report negatively and has caused me issues with opening another account due to XXXX  which would have been avoided if my claim was processed correctly and credited in a timely manner ( cardholder agreement states if notice is giving timely of unauthorized use and investigation requires 10 days or more temporary credit will be provided and visa agreement states zero liability. I was also missing credit from unauthorized charges I had reported in XXXX. 
Ssn XXXX Address XXXX XXXX  XXXX XXXX. 
XXXX XXXX Tx XXXX Phone:XXXX
Product: Debt collection

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Capital One Bank XXXX XXXX, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Capital OnXXXX account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied to Capital One Bank XXXX XXXX. Thank you. Best regards!
Product: Debt collection

Date : XX/XX/2022 Amount : {$110.00} Actions : I was never notified of any fees once I switched insurance companies form XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. XXXX sold my car insurance without my knowledge to a 3rd party collection service.
Product: Mortgage

The holder of my FHA mortgage loan Loancare is refusing to review or look at my current financial information to consider me for loan modification or other homeowner assistance programs. Every time I call I speak to a different person, and they give me the runaround and have set a foreclosure sale date instead of letting me be considered for any homeowner assistance programs. They have set a sale date of XX/XX/XXXX, and over the past several months have never once looked at the paperwork I submitted or given me any feedback or communication. Additionally they have failed to provide Occupied Conveyance paperwork prior to the scheduling of the sale date as required by HUD guidelines. 

I bought this home a little over a year ago. At the time I was making a solid living in sales, and my wife worked at a doctor 's office. We applied for and were qualified for this FHA government purchase loan based on our income at that time. Not long after buying the home my wife was involved in a bad car accident. She was unable to work and I had to take a couple of months off to care for her, so for a period of time there was NO income coming in. When I went back to work the business had dramatically slowed down and it was the holiday season so it was a bad time to try and switch and find a new sales job. Once my wife was ready to go back to work she found that her hours were drastically cut because the doctor she worked for was cutting back on his hours and went on a long vacation as well. The combination of these factors over a few months affected our income and we ended up defaulting on our loan. 

I immediately contacted Loancare to try and resolve this matter and offered to make partial payments while I got back on my feet. I was told no, that I should wait and make the full payment when I could. When I called back to try and make the full payment I was told that they would not accept it because now they needed two months of mortgage payments AND late fees in order to accept my payment. I could not do this and the situation began to snowball. I contacted their agents repeatedly to request the chance to be considered for a loan modification. Every time I called in I would talk to someone different. No one gave me the option to apply for help or be reviewed for any programs, instead I was told the only thing I could do was reinstate the loan. 

I have since found a new job and make a solid living again. I have filled out the home retention package and sent it in to Loancare on several occasions but have never actually been reviewed, never had an assessment completed of my financial circumstances and have never had a point of contact assigned. Instead Loancare marches to foreclosure and denies me access to these programs they are required to review me for. I can afford a reasonable payment and deserve the chance to fix this problem and get back into regular payments on my mortgage loan with Loancare.
Product: Credit reporting or other personal consumer reports

Experian failure to conduct a proper investigation into disputed information on my consumer report remains true. Despite providing documentation to support my claim of identity theft and inaccuracies, Experian has repeatedly dismissed my disputes without meaningful investigation. Their reasoning, often citing that I " should have known about these accounts, '' demonstrates a clear lack of due diligence and appears to be a stall tactic rather than a legitimate investigation. 

This ongoing failure by Experian has caused significant financial stress and violates their obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, Experian is legally required to ensure that the information they report is accurate, relevant, and free of errors. They are also obligated to conduct thorough and fair investigations into disputed accounts. Their inability to comply with these regulations is not only harmful to consumers like myself but also constitutes an abuse of their role within the financial system. 

I urge the CFPB to hold Experian accountable for their non-compliance and lack of transparency. As a consumer, I rely on the integrity of credit reporting agencies to provide accurate information and to resolve disputes in a manner consistent with federal laws. I request that the CFPB take appropriate action to ensure Experian fulfills its legal obligations and remedies the errors on my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I Reached out to Equifax on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. Also the addresses don't match any of mine on record. I am attaching this letter I am also attaching delivery confirmation letter I sent to Equifax in regards to this matter via XXXX. 

Equifax has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

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