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

We lived at an apartment for almost XXXX. We have moved out of an apartment in XXXX and notified the leasing office. They have inspected the apartment and sent us a notice for {$900.00} in damages. We did let them know that a lot of items were already notified to the leasing office in maintenance request like paint peeling off of tiles in bathroom, leak in the roof and they charged us for some tape on the wall even after we signed up for cleaning through them. We have asked them for additional information on the maintenance requests, our complaints regarding the same items during our stay and tried to resolve the issue with them. They never responded back to our emails/phone calls on XX/XX/XXXX and after XXXX on XX/XX/XXXX, they have reported it to a credit bureau that we havent made those payments. Initially they said they will waive off {$300.00} but we denied because we are not at fault and none of the items listed on the notice were actual damages by us. They mentioned they had put in new tiles before us moving in but they just painted over the tiles and as soon as we started using the shower, the paint started peeling off and we have notified it to a service guy who came to fix the shower tap which is coming off and he said it is normal and we dont have to worry about it. We asked for proof of putting those new tiles and they never reponded back.
Product: Debt collection

Good Evening, Mam or sir. Ive been having problems with XXXX reporting Fraudulent items on my credit report that dont belong to me. 

I have working with the district attorney regarding my identity that was stolen years ago and was recently used in a XXXX. Ive asked XXXX to delete this And it has been done.
Product: Checking or savings account

On XX/XX/year>, I discovered more than {$50000.00} in fraudulent ACH charges to a little-used account. Citibank could not provide any verifying information other than claiming that the chargers knew my name and account number. ( Such information is on every check. ) Citibank randomly credited some but not all of the charges and recommended that I open a new account. I opened a new account, and Citibank subsequently reversed the credits to my old account by debiting my new account. I have lost more than {$18000.00} due to this unauthorized fraud and Citibank refuses to return the funds.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my submissions. XXXX consistently responds by stating that the accounts in question are accurate, yet they fail to provide evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) against XXXX for similar violations XXXX 

I respectfully request that the CFPB take appropriate action against XXXX to ensure they comply with federal law and provide consumers with the necessary proof of a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a email in regards to XXXXXXXX XXXX XXXX from XXXX as well a TransUnion response FEED BACK PROVIDED from CFPB please note this was initiated back in XXXX 2022 63 days and 2 frivolous responses CARRYS NO WAIGHT OR TRUTH because I sent supporting documents proving no contracts or signature verifying debt ATTACHED again as well requested the same thing provide documentation to me of said debt attached letter and no response again attached 3rd request XXXX is the only one that reported and removed debt as it does not meet the reporting act I have again requested from XXXX ATTACHED to provide me there facts and reporting procceedures of XXXX and TransUnion response verified, I will continue to argue this debt as a false response and ILEGAL reporting
Product: Checking or savings account

Already reported previously to Discover bank back in 2020 after it happened and nothing was done. Went to the SSA OIG and reported crimininal theft of over {$20000.00} of my SSDI and SSI backpay from two separate ACH wire transactions from the perpatrator to herself and her mother. Unauthorized access via telephone to my Discover Online Checking and Savings accounts. This perpatrator is a XXXX year old female licensed GA XXXX whom conned me into believing that we were married based of a marriage license to gain health insurance benefits, fraudulently cashed and stole out of my mailbox, forged her signature on my stimulus checks, cashed them and only way i found out was through the IRS doing a skip trace then only to further add insult received a photocopy from thr IRS of one of my stimulus checks forged by the same women whom illegally, criminally, maliciously and fraudulently stole over $ XXXX in two separate ACH wire transactions while Discover Bank didnt do anything to help me when i reported it to them in 2020. Ive gone to the FTC, SSA OIG and adult protective services and filed criminial complaints against this woman for doing this to me and nobody bothered to follow up or care. Im a XXXXXXXX XXXX XXXX veteran and desperately need your help!
Product: Mortgage

I have called NewRez over ten times and have spoken to ten different phone reps to address an issue regarding my bi-weekly mortgage payment. Following a NewRez phone rep 's advice, I canceled my monthly auto payment, completed the bi-weekly application form, and faxed it in to NewRez on XX/XX/XXXX. 

I followed up with a phone call every day and filed a complaint on XX/XX/XXXX with NewRez when the application had not been processed. The phone rep, XXXX ( Employee number : XXXX ) assured me she was going to process my application that day. I received a letter from NewRez in the mail today, Monday, XX/XX/XXXX stating that my autopay had been canceled. I also received a separate letter from NewRez with a blank bi-weekly application enclosed. I was confused as I had already faxed in my application to NewRez on XX/XX/XXXX. 

So, I called NewRez today, Monday, XX/XX/XXXX at XXXX XXXX  XXXX and the phone rep, XXXX, said my bi-weekly application had not been processed yet. XXXX escalated my application to his supervisor and then suggested I call back on XX/XX/XXXX to follow up and see if the application is processed. 

This entire past month I have not been able to log in to my NewRez mortgage account online. The system fails to produce a code on my cell phone so I can log in. XXXX, the NewRez phone rep, had shared with me on XX/XX/XXXX that NewRez did a system reboot and that many customers are experiencing a similar issue as me. So, she reset my account that day and I was able to log in once. After that, I was not able to login, including today. 

I simply would like to pay my mortgage via the bi-weekly program NewRez is offering. A prompt solution would be to process my bi-weekly application before XX/XX/XXXX so I can pay my mortgage in a timely manner. I scheduled my first payment ( of my bi-weekly payment ) on the XXXX of each month. I would like to avoid making a manual payment ( by phone since I still can't login to my online account ) as then I may run the risk of being debited twice for my mortgage in XXXX. 

Please advise. 

Thank you. 

XXXX XXXX XXXX cell ( I live in XXXX despite my XXXX area code ). 
A very unhappy customer
Product: Mortgage

In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX, Equifax, and XXXX. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX XXXXXXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC 1681a, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. XXXX, Equifax, and XXXX are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND SAW A COLLECTION AGENCY CALLED AARGON AGENCY INC ON MY REPORT IT STATES ORIGINAL CREDITOR AARGON AND OPENED XXXX XXXX BALANCE XXXX I CALLED XXXX THE AGENT KEPT ME ON THE PHONE HE LOOKED UP MEDICAL BILLS AND UTILITY AND COULD NOT FIND ME. IT IS AGAINST THE FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccurate amounts & dates. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phn # XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phn # XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. XXXX {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All items under collections should be marked as PAID FOR LESS as they have been accounted for & removed from my report.
Product: Credit reporting or other personal consumer reports

An account listed on my credit report is inaccurate and erroneous. And according to the fair credit reporting act. 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. XXXX XXXX is inaccurate and should not be listed on my credit report. Dates are not reported correctly, date last active, date of last payment. XX/XX/year> are different on credit reports. this account was already removed from one report for multiple violations of the fcra. Ive attached screenshots of this account from two different credit reports. they differ greatly, and at the same time both are very wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.
Product: Credit card

I am the XXXX XXXX of XXXX XXXX XXXX XXXX, a XXXX XXXX non-profit organization based in New York state. We have a line of credit with Bank of America. We have requested a copy of the terms and conditions of our credit card from the Bank. After XXXX attempts over the course of 3 months, they have failed to send us the terms and conditions. We originally asked for them to be emailed to us, but the bank said they had to be send in hard copy and that it would take XXXX - XXXX business days. Despite this, and despite dealing with their customer service department over and after waiting for the documents to arrive, the bank has simply not sent the information and refuses to share the documents in any accessible or timely way. And just to be clear -- we need the terms and conditions for the overall line of credit. The number I provided is just for my personal work card on the larger account.
Product: Vehicle loan or lease

On XXXX, my car was hit by another vehicle. On XXXX, my insurance company XXXX XXXX ( where I carry a complete insurance policy ) deemed my vehicle a total loss ( claim # XXXX ). I have an auto loan through TD Auto Finance, Loan Account # : XXXX. I accepted XXXX XXXX 's offer, which left me with a {$2000.00} gap I will owe which is fine. I did not have gap ins. The problem is that despite many requests, TD Auto Finance has not sent XXXX  the XXXX a letter of guarantee. It has been almost 90 days since this accident. TD 's lack of response presents me with an incredible hardship, as I am unable to pursue a replacement vehicle until they have accepted XXXX XXXX 's payment. See below for an email thread with my ins agent : HI XXXX, I got in contact with the Total Loss department, who is handling this claim now, and they advised that they are waiting on TD Bank to send a Letter of Guarantee. Once that is received, XXXX XXXX can send payment. The letter can be emailed to XXXX with the claim number referenced in the subject line. Your claim number is XXXX. 
The Total Loss Claims department can be reached at XXXX XXXX if you need further clarity on this. 
I hope this helps! 
Kind Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fax XXXX See below for one of my several communications to TD Auto Finance. I have called them XXXX times, as well. 

XXXX : Dear XXXX, Thank you for reaching out to TD Auto Finance about your loss. Were sorry to hear about your vehicle and, more importantly, we hope everyone is okay. Please understand you are responsible for payments until the balance is paid in full, in accordance with your contract. If you have any other questions or need further help, please let us know. Thank you for being a valued TD Auto Finance customer. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance TD Auto Finance is a division of TD Bank , N.A . The TD Logo and other trademarks are the property of the Toronto-Dominion Bank or its subsidiaries. 
ORIGINAL MESSAGE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Subject *Account document or form requestXXXX XXXX is ready to mail you a check but have been waiting quite some time for you to return the lienholder form. This accident occurred 2 months ago. Please promptly send this form to XXXX XXXX this week, so that I may move on with my life. 

Thank you in advance for your assistance! I am really simply asking TD Auto Finance send XXXX XXXX a letter of guarantee. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received multiple letters in the mail to my parents home from credit cards requesting more information to open an account in my name that I did not request. Looked into all credit reporting websites and found that there were many inquiries that have hit my credit report that I did not request - so fraudulent activity has been happening. The below companies are listed as inquiries to my credit that I DID NOT request. 

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 CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with XXXX, XXXX, and Experian which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Product: Mortgage

I am writing in reference to Loan Number XXXX being serviced by Bayview Loan Servicing LLC. The objective of this correspondence is to File a formal complaint against Bayview Loan Servicing in reference to the payoff of my home. 
On XXXX XXXX, XXXX I signed a loan modification agreement with Bayview Loan Servicing , LLC that also had a principal reduction component as part of the agreement. The principal reduction component was for a total amount of {$410000.00}, reducing the principal of the loan over a 36 month period ( modification agreement attached ). 
In XXXX of XXXX, I received an IRS Form XXXX as a cancellation of debt for the total amount of the principal reduction of {$410000.00} ( Form XXXX attached ). I have also, received XXXX separate payoff since XXXX of XXXX that state the amount of the payoff of the loan with the total amount of the principal reduction included. Additionally, I have a taped conversation with an individual from Bayview stating that the payoff amount included the total amount of principal reduction. I have attached copies of all the payoff statements sent to me over the last few months. 
Lastly, I currently have the home for sale. Please assist me in resolving this matter in an expeditious manner and avoid litigation.
Product: Credit reporting or other personal consumer reports

Pursuant to ( 15 U.S.C. 168i ( 7 ) - A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Pursuant to FCRA 611 ( 15 U.S.C. 1681 ( I ) ) reinvestigate the inaccurate items on my credit report and verify the SOURCE of information used in order to return a " verified '' response or delete all the inaccurate items on my credit report. 

Experian never contacted the FTC to verify the underlying facts in the identity theft affidavit. Experian failed to disclose the source of their initial 'verified ' response and should DELETE inaccurate items from the credit report. Experian is responsible for compensation for all credit denials attributable to the contested inaccurate items in question for willful noncompliance and negligent noncompliance with the FCRA. 
EXPERIAN DID NOT CONDUCT A PROPER AND LAWFUL INVESTIGATION UNDER FCRA 611 ( 15 U.S.C. 1681 ( I ) ).

PROVIDE THE METHOD OF VERIFICATION WITHIN IN 15 BUSINESS DAYS or DELETE THE INACCUATE ITEMS : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.