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

After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my XXXX due to my prior living arrangement. I contacted Experian, XXXX, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I initiated a credit investigation via postal mail. Over 30 days have past, and we have not yet received responses. We were supposed to have responses by XX/XX/XXXX.
Product: Credit card or prepaid card

Purchased items under 0APR promotion from Lowe 's following that made other purchases that were not under promotional interest. 
1. The credit card statements that followed does not show how to avoid interest by paying the non-promotional amount plus minimum amount required for the promotional purchase. 
2. Payments were automatically split to promotional and non-promotional regular interest. 
Company did have the option to apply all payments toward non-promotional balance but customer has to call in and request that option specifically.
Product: Mortgage

We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act. These following accounts 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  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 card

Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXXXXXX - XXXX - {$2200.00} XXXX XXXX  XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - {$4900.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX equifax XXXX XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXXXXXX XXXX finance account XXXX XXXX. XXXX XXXX XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX : {$950.00}
Product: Credit reporting

I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA.
Product: Credit reporting

Equifax is taking longer than 45 day to send me results of disputed wrong personal information affecting my report.
Product: Debt collection

In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of   XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of  XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.
Product: Debt collection

I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?
Product: Mortgage

Re : XXXX XXXX XXXX, XXXX, Washington, DC XXXX ( Bank of America Loan Number : XXXX ) I have a Countrywide MBS that Bank of America services for XXXX XXXX XXXX XXXX who is the trustee. The loan originated in XXXX ( It is similar to or the same as the Countrywide loans at issue in this Hawaii Class Action alleging RICO violations : XXXX XXXX XXXX XXXX 

On XX/XX/XXXX I emailed to a Bank of America employee who had been communicating with me from the Executive Office the HAF letter that was provided to me by the Washington, DC Government office responsible for the HAF Program and on XX/XX/XXXX, I faxed in the same letter to Bank of America ( I had previously informed Customer Service on several different occasions that I had applied for HAF assistance ). 

The Branch Manager, at the XXXX XXXX Bank of America branch in XXXX XXXX, Washington  XXXX DC faxed the letter and the Cover Page and gave me a printout of an email that indicated the fax had gone through. 

In the week of XX/XX/XXXX I received a letter that my house was in foreclosure. When I called customer service I was told that no HAF letter had been received. On Wednesday, XX/XX/XXXX ( the day before XXXX ) I went back to the Branch and the Branch Manager again faxed in my HAF letter with a cover page. 

After it was faxed I called several different numbers on the letter I had received and left messages with three different people and then called the general number and was transferred to a supervisor who asked me what was the date of the first fax. 

He found the HAF letter and said it was simply listed as " Fax Cover Page '' and said that's why they had not received the HAF letter. He made many notes and said that I would be taken out of foreclosure. This was exactly the same type of problem I had with modification papers not being received. 

In the last two months I have sent in many payments which have been sent back to me or not shown up on my account. I was told by one Customer Service rep the house was in foreclosure and told that I had to pay off the full loan amount of {$500000.00} to stop the foreclosure. When I explained that to a supervisor they said that it was {$110000.00} that I needed to pay to bring the loan current. 

On Friday XX/XX/XXXX I called Bank of America again and they said the house was not in foreclosure and that I would be able to make payments and that the hold that was on my account would be lifted. I also explained to them that the Washington Post reported on HAF on XX/XX/XXXX : https : XXXX and that I did not run the HAF office and was not responsible for their procedures. 

As of today XX/XX/XXXX an attorney for Bank of America agrees that I have HAF letter and can not be put into foreclosure but has sent me a letter to the effect that I am in foreclosure. When I raised the issue with this attorney that it is unreasonable that I am having payments returned to me he said that I should contact bank of America. 

Question : How can Bank of America deny customers the right to make payments when they have a valid HAF letter. My payments should be accepted. 

Thank you. 

XXXX XXXX, XXXX. 

( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Experian failed to : 1. Conduct a thorough reinvestigation of disputed accounts or items.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, my next steps were to file with CFPB directly.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

capital one bank, falsely advertising through a notice that to remove the secondary account holder, i only had to call the number that appeared in the ad. which i have tried many times, and the results has been negative. after 2 years separted and divorced ... ..now my ex husband recived child support from a court to remove money in my account { im the primary holder } the order was for XXXX. i was trying for the last 2 years to remove him from the account. but for some reason the bank not let me do it.
Product: Mortgage

I started working with the Wells Fargo private mortgage broker on XX/XX/2021 to refinance my property leveraging the low-interest rates. The broker was very kind in working through different scenarios to show the product options available to me in my location ( TX ). After all the due diligence with Wells Fargo and other institutions, I decided to select the 10/6 ARM@ 2.625 % interest rate offered on the written product quotation from Wells Fargo on XX/XX/2021. Upon confirmation that I selected this option the same day, the private mortgage broker instructed me to go fill out the application through the online portal. I completed the application the same day ( where I also selected the 10/6 ARM on the online portal after entering all my information and authorizing a hard credit pull ). On XX/XX/2021, I was notified that Wells Fargo does not offer Adjustable Rate Mortgages in Texas, and I needed to select a Fixed Rate option ( which were all quoted at a higher interest rate ). The comparable fixed-rate mortgage option quoted to me is a 3.000 % interest rate, which is a 0.375 % increase over the original option I had selected. Not only did the mortgage broker offer me the adjustable rate mortgage, but I also applied online through the Wells Fargo portal and also selected the 10/6 ARM at that time. There was never an error or message stating this product was not available in Texas. 

The product offerings over the XXXX weeks of quotations were completely misrepresented from Wells Fargo and has now left me in a position where I can no longer a competitive rate in the market. I have also spent XXXX week getting passed around to different representatives who basically act as if they have no information of the issue. It is like starting from square one with each conversation. Time is of the essence, and I am not getting any resolution. This is an issue in Wells Fargos system. They have professionals dedicated to knowing the legal restrictions in different locations. No one restricted this prior to me locking in the 10/6 ARM at 2.625 %. The website even let me select the 10/6 ARM after I entered my address ( specifying Texas ) and authorizing a hard credit pull. This is a Wells Fargo mistake and they need to honor the 2.625 % interest rate they committed to me.
Product: Mortgage

My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has stated to the credit bureaus for several months that my account was properly investigated and updated but how is this possible if this account is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and reporting both open and closed. This is ground for removal the also violated my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Product: Credit reporting or other personal consumer reports

My personal information all over web .I miss a victom of identity theft and experience would not investigate and didn't respond or resolve matter.
Product: Credit card or prepaid card

XX/XX/2022 purchased 3 items from XXXX online charged in 2 increments. 
{$1100.00} and {$4800.00} XXXX XXXX returned all 3 items and received credits for only 2 items. 
{$1100.00} and {$3700.00} {$1100.00} still owed. 
I could not get my money back from XXXX so I opened a dispute with my Citibank CC. XXXX said they would not fight the Chargeback. XXXX sent me screenshot of the chargeback saying it was lost. I expected to see a permanent credit on my account, instead I received a dispute resolution letter stating that Citibank lost the dispute because they couldnt get a payment from XXXX! I was charged {$1100.00} for something I returned!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX