23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I use US Bank as my mortgage lender. Since last XXXX ( 2019 ) I have been severely overcharged for taxes. My home is in XXXX, MA. According to US Bank, they have over $ 15K of my money in a special account. They won't discuss it. Every time we call we get a new banking person who, of course, has no idea what is going on and they always need " time to research the issue and we'll call you back. '' Of course, they never do. I'm on the phone with them now and again, it's someone who has no idea of what is going on and she'll have to research it..... again. 

This is BANK FRAUD and I can't get anyone to help me. The Attorney General of Massachusetts wants nothing to do with this. They referred me to the DOR. They laughed at me and said " we only deal with MA taxes. Why did the AG send you here?? '' They sent me to the Banking Commission and they said they only deal with banks chartered in MA. The Banking comish sent me to you folks. 

The loan # is XXXX. I want some of that $ XXXX applied to the two months allegedly in arrears and the rest in my pocket.
Product: Credit reporting or other personal consumer reports

I don't know what happen with my credit, cause in 2 days only i receive more than 9 inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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

Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXXXXXX  I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency.

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n.

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.
Product: Debt collection

The collection companies are in violation of the Fair Credit Reporting Act ( FCRA ) for not providing proper validation and for reporting invalid debts.The disputed accounts include : {$1300.00} from XXXX XXXX XXXX, {$6000.00} from XXXX, {$1800.00} from XXXX XXXX I have sent several request and they have gone ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
XXXX XXXX XXXX Balance Owed : {$500.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$500.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from XXXX.
Product: Mortgage

When I first contacted citizens bank about down payment and closing cost assistance I was quoted at {$3600.00} out of pocket from me with the sellers assistance. I payed inspection fees out of pocket appraisal fees out of pocket and hand money out of pocket. Which then I was told I would only need no more than {$2000.00} at closing. A week before closing my lender informed me that I would now need almost {$4200.00}. That is more than we agreed upon in the very beginning or else I never would have went with this lender due to the fact I would never have been able to afford that in a 40 day period with still having to pay rent and utilities in the home I live in now. Ive asked for help Ive asked to speak with someone else and Ive even called her boss who didnt return my call he just told her that I called him. I have nowhere else to turn and Ive already given notice to my landlord that I would be moving. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.
Product: Debt collection

On XX/XX/2019 - I negotiated with Portfolio Recovery Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that Portfolio Recovery Associates, LLC ( PRA ) claimed I owe. This lump sum payment of {$500.00} was in exchange for PRA to settle my account in full for less than the full balance of the debt PRA owns and to request the credit report agencies to delete PRA from my account with credit bureau report.

The settlement agreement between PRA - Ms. XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from PRA stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. 

I have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. 

How is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.
Product: Student loan

I have contected Fed Loan Servicing on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ) to get a manual recount of specific ineligible payments and they have never responded. Can you please request a manual recount of specific eligible payments? 

Thank you and I look forward to hearing from you.
Product: Debt collection

Section 1 : Accordance with the Fair Credit Reporting act account name portfolio Recovery ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable inaccurate items in my report, I have sent 5 letters to the credit bureau ( Equifax, XXXX XXXX ) asking for verification,. In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Given that I believe they are acting in bad faith, and have not complied with the federal and state laws,
Product: Checking or savings account

I am a member of TXXXX XXXX XXXX XXXX XXXX. We are a Federally Recognized Tribe within XXXX XXXX. Under the US Treaty of 1855 we are a Sovereign Nation within the US. and not required by law to own a State Business License. 
I opened an account with Chase Bank on XXXX XXXX XXXX, Wa. on XX/XX/2020 XXXX XXXX XXXX XXXX. 
I was approved and received an Economic Injury Disaster Grant. My Grant was deposited into my private account on XX/XX/2020. 
I have a XXXX XXXX  with my XXXX XXXX  and have had this for many years. Chase Bank has decided I am not legally eligible to receive this Grant under my private account and refuses to release my funds.

The SBA Loan officer who approved my Grant has stated I am in fact eligible and the Bank can not withhold my Grant. 
Because I am a XXXX XXXX XXXX I feel I am being discriminated against and that the laws meant to protect me as a US citizen are being ignored by Chase Bank.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX  XXXX DeptedXXXX XXXXXXXX DeptedXXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance,
Product: Debt collection

My Venmo account has been in collections and was added to my chapter XXXX bankruptcy. I continue to receive emails from Venmo asking for it to be paid. I also received a payment on XX/XX/XXXX for {$100.00}. Venmo applied this amount to my previous balance. I had the sender contact Venmo, but they would not return the money. I contacted Venmo myself on XX/XX/XXXX and XX/XX/XXXX and they would not return the money to the sender. I informed them of the open bankruptcy and asked to speak to the legal department, but they would not accept my request. Their reasoning was because the account was indebted, there is nothing they can do. They offered a one time reversal to the sender, but then back tracked and gave the same reasoning of why they could not return the money.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report contains inaccurate personal details, which could be due to a clerical mistake or potentially identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, Experian, and XXXX. 



Thanks again for your cooperation, XXXX XXXX