23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.
Product: Debt collection

Changed cell phone service from XXXX to XXXX XXXX XXXX in XXXX. XXXX   did all the cancelling and moved our service with same telephone numbers to XXXX 
I have continued to get bills from XXXX and they now have bill at {$900.00}. I paid my bill every month up until transferring to XXXX. I wrote a letter on XXXX bill a few months ago stating I needed a detailed accounting of bill as I didn't understand why my bill was now, at that time I believe {$800.00}. Now they have turned me into a collection agency. I've written another letter to both XXXX and Sequium Asset Solutions , LLC asking for an accounting of my bill. Today I received notice from XXXX that I've been turned in for non-payment of a debt and my credit has dropped at least 21 points!! 

I'm sick of these people thinking they can bully and bluff but not suffer any consequences. 

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

Comenity Bank Lane Bryant is reporting an account on my credit file as an authorized user. It is not my account. This account is not mine and I have never signed anything for me to be added onto this account. I demand you remove my name from the account and delete it from my credit file immediately or the next communication will be from an attorney.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, i realized there were numerous items that are not accurate. i then contacted the credit reporting agency and unfortunately received no help.
Product: Mortgage

I, a XXXX person have a Federal loan for my family 's home. In my loan contract with the Federal Gov. it does declare any violation of the FHA, which also includes discrimination, does allow for legal recourse done on my behalf against any party that violates my rights. Mr Cooper has been sent notices about previous discrimination and interference with contractual relationship and interfering with my payments. Currently Mr Cooper has discriminated against me by using my XXXX against me to treat me less favorably and where they sent money back I over paid and the way they sent it inhibits my access to that money and they are declaring how they may take my federal XXXX income and then show I overpaid on my escrow though are still allowed to inhibit my access to that money they sent and are refusing to fix the matter and continue to allow their employees to discriminate against me instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent in two disputes to remove the inaccurate information from Experian with XXXX XXXX XXXX ; the information has not been removed. Please remove this negative information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account XXXX XXXX XXXX ( XXXX ). The payment history and name section are reporting differently to XXXX, Equifax, and XXXX. You have violated my consumer rights. 
XXXX is reporting on time payments for XXXX, XXXX, and XXXX of XXXX, then I voluntarily surrendered XXXX of XXXX. Equifax is reporting on time payments for XXXX, XXXX, XXXX, and XXXX of XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. XXXX is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. XXXX and XXXX are reporting that it is XXXX XXXX is the account name. While Equifax is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy. 
These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice
Product: Money transfer, virtual currency, or money service

to formally express my concerns egarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

I applied for a home loan from Suntrust in XXXX Fl for a home I own in XXXX XXXX, FL. The loan was a " no escrow '' for real estate tax. After XXXX different loan estimate statements, I finally received a " final '' XXXX with a requirement that I prepay real estate taxes due next year. This was never mentioned in any of the HUD required documents, nor in the initial application docs that I received and signed. The following is part of an email I sent questioning this charge : I am questioning the {$6500.00}. funds needed to close in the XXXX XXXX loan estimate statement that does n't define the payouts. I have questioned this many times since and never received an answer. The need to prepay or set up a escrow account for 2016 real estate taxes was never mentioned. 
I wo n't receive the 2016 tax bill until XXXX XXXX and I usually pay it soon after to receive the 4 % discount for early payment. The XXXX XXXX loan estimate does n't show any prepay or escrow for the 2016 RE taxes. It was scheduled to close by XXXX XXXX. The same $ XXXX loan shows no deficit for this need. 
Their reply was : " We are not setting up an escrow account, the funds are collected at closing to insure the taxes are paid for the year and will be held by the settlement agent. Most, if not all lenders have this requirement. '' I would think current HUD requirements would require them to disclose this in their application and the XXXX previous loan estimate statements that did n't have this payout. 
I have asked for my application fee to be refunded and they refused.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I am able to pay my mortgage to Freedom. 
This is regarding Freedom soliciting a new refi. 
They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.
Product: Credit reporting or other personal consumer reports

DISCOVER FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX  DISCOVER FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX these are two inquiry 's that I have not authorized/ made and did not give permission for DISCOVER FINANCIAL SER to make nor pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in XX/XX/XXXX! I placed a dispute with Experian two months ago. The result from that dispute was that the account ( XXXX  XXXX XXXX ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my FICO score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if XXXX  XXXX XXXX and Experian had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if Experian had reflected the account as closed in good standing instead of removing it from my report my score would be higher
Product: Debt collection

I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.
Product: Credit card

on XX/XX/year> I set up a payment to Bank of America- the amount was to pay the balance in full. I then called the bank to verify that since I had paid if full, the minimum payment of {$35.00} would not go through today. The rep told me that it would in fact still go through and she recommended I cancel my payment and then make a payment less the {$35.00}, which I did. 

Today, XX/XX/year>, I just logged in and I see that BOTH payments are pending. I do not have the funds to cover both {$1400.00} & {$1300.00} I have tried calling the bank and have been on hold for over 40 minutes. I am not waiting on a call back. Last night when I spoke to the representative, she indicated that she can not see pending payments, so I am not sure how an agent can even help. 

I have searched everywhere for an email address for them and am unable to find one. I tried emailing XXXX and XXXX and I just get a mailer deamon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX, Tire Dealers XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. 
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX   XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX   XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIfax ( equifraud ) has been possessing my information illegally without my consent. I have disputed these accounts for months and equifax has notg followed and obeyed my consumer rights and federal law. I have put them on notice of these violations and they proceed to reply to each complaint saying the same thing as a generic message of " STATUS Company responded on XX/XX/2022 RESPONSE TYPE Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. Trade : XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. Trade : XXXX XXXX XXXX  WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS '' THEY HAVE SAID THEY REACHED OUT TO THESE COMPANIES ASWELL AFTER I SPECIFICALLY SENT OUT A CEASE AND DESIST COMMUNICATION LETTERS TO THE CRA 'S AND EACH CREDITOR. THIS INFORMATION HAS STILL BEEN REPORTING AND IS ALSO BREAKING THE FDCPA AND THE FCRA. 
as i have made them aware multiple times that theyre violating me and breaking laws, they hve broken federal law 15USC 1681I ( 5 ) ,15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A AND COMMITED A FELONY CRIME OF 18 U.S. Code 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, XXXX and Equifax a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Product: Debt collection

1st Call.

I received a call from ( What I was told ) Premier Holding Litigation out of Texas. The first thing said to me is that I have a judgment against my Social Security Number. I said okay what it is about. I was transferred to another person. I was then told I had a judgment against me for {$19000.00} ( State and county courts named ) and a lien was about the be put on my house with the ( address given ). I asked what it was about and the person on the other end told me that it was an old auto loan from XXXX XXXX. She then told me that my paychecks will be garnished. I asked how old the debt was. She said last payment was in XX/XX/2009, so I asked if the statute of limitations was up and she said no it was 10 years. ( I live in Utah its 6 years ). She then tried to get me to pay {$5000.00} dollars to resolve the debt. I said I would not pay for a debt I don't know anything about and that they need to send me information on the debt. She said they could do that but by the time I got the paperwork, the garnishments will have started, and then she explained that if that happens a total of the payments garnished will be {$42000.00}. She told me I had until XX/XX/XXXX to pay {$5000.00} to avoid the garnishments. I then asked ; if they have a judgment why would they settle? She said it is in arbitration before the court executes the judgment. I asked ; why I had not been served papers? She said that it wasn't in court yet but was about to be filed. I told her I would call her back. That's as far as it has got at this point. 
2nd Call I got a call about 4 hours later from the same person at Premier Holdings. When I asked them to send me information on the debt she again threatened to sue and said they had tried to contact me before and could not. I told her that this is a time barred debt and she got extremely angry and said they are suing, they have a judgment, and they are going to foreclose on my house and hung up.
Product: Debt collection

Please need more info on the debt and if i could submit my   XXXX   XXXX   XXXX   the the   XXXX   XXXX   , if c ould lower the amount at all
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some inaccurate information in my credit report after looking into it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a requirement on the 3 credit bureaus to verify the items. ( A ). The reported itemscannot be treated as unreliable information if no proof is provided within the legal time frame. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

My name is XXXX XXXX. I acquired a credit card with Citi 's Best Buy, a visa that ends in XXXX. I never received the physical card and I don't have the complete number. 
my insurance number XXXX address XXXX XXXX XXXX XXXX florida XXXX I acquired that card in the store with a limit of {$750.00} XXXX always made the self-payment per day For the month of XXXX I only owed {$100.00} and the following month a debt of {$480.00} appeared. 
They claim that they are interests and do not allow me more information. 

They are charging interest on interest, a debt that is impossible to pay since it increases {$75.00} more every time. 

They never sent me a notification that at the end of the 24 months, XXXX interest would increase 5 times the amount.
Product: Credit reporting or other personal consumer reports

I am submitting this formal grievance letter to you along with a request that you take immediate action. 
My credit is being harmed by your non-compliant, inaccurate reporting to the three major credit reporting agencies. The Fair Credit Reporting Act, sometimes known as the FCRA, is being broken by you. Fines and damages could be imposed for the infractions. I am offering you this one final chance to resolve your purported credit situation. I had already warned you in writing that you were reporting in an improper manner. Furthermore, I did include in that request the prerequisite ( s ) you needed to make sure that only compliant data is kept on file. As a result of your clearly ongoing misreporting, unethically non-compliantly reported in that it implies that my sent notice was shockingly neglected.
Product: Mortgage

XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I've had this account investigated and re-investigated. The account shows XXXX late payments on one credit bureau and 3 one another. This inaccuracies falsely manipulates my credit score and had affected my life tremendously. I demand that the account be removed immediately. XXXX XXXX account # XXXX.
Product: Debt collection

When i viewed my credit file i noticed there were some hard inquiries and accounts that were not done by me. Someone opened an account in my name and now these creditors are trying to collect the debt from me. I have reached out to these creditors and the three credit reporting bureaus many times and they still have not helped me. So now im here begging for help so that this can be rectified due to someone stealing my identity and opening accounts in my name.