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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds. within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681 which mandates a reasonable investigation of. disputes. Furthermore, Equifax actions. may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's resent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides. consumers with the necessary proof of investigation. 

These are the Accounts that I reported inaccurate ACCOUNT : XXXX XXXX XXXX/ ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX  / ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX / XXXX XXXX / ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT : XXXX XXXX/ ACCOUNT XXXX XXXX ACCOUNT : XXXX XXXX / ACCOUNT XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my numerous submissions, equifax, consistent response in XXXX hours stating that the account is accurate without providing any 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, Futhermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings, ( File No. XXXX ) against them for similar violations. I request that the CFPB takes action against Equifax to ensure that they comply with federal law and provide consumer with proof of necessary investigations.
Product: Checking or savings account

I previously filed a complaint about Bank of America and its failure for over 2 years to close my accounts. They responded with a factually inaccurate response and ignored the original complaint. They continue to leave accounts open or allow new accounts to be opened without verification of authenticity. I want all accounts in my name closed now and forever and I do not want to have to call them again and navigate their ridiculous phone system that puts me on hold for hours with zero resolution. I will never give another dollar to Bank of America again, they do not care one bit about their customers.
Product: Credit card or prepaid card

On each billing statement from PayPal Credit, the post-due date grace period - when there is no late fee - is not clearly stated. Nor, is the exact amount of a late-fee for a payment made after the post-due date grace period clearly stated on the billing statement. I believe the presentation of the information regarding post-due date grace period and late fee amount is intentionally deceptive in order to increase the percentage of on-time payments from their customers. And, I believe this is something that violates our regulatory laws for credit providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.
Product: Mortgage

I was charged twice for a my XXXX mortgage leaving me with no money. They told me it was refunded and I have yet to see it.
Product: Mortgage

We fell behind on our mortgage in XX/XX/2018. Our boiler broke, our dog got cancer and then they also raised our payment significantly over escrow shortage. So we missed a payment. They put us on a four month repayment program which was way too aggressive. I spoke to them in XXXX and they encouraged me to apply for a modification. Rep told me youre entitled to three and you have XXXX coming. He looked at our finances and said I dont know why they even tried this plan with you. So, we figured wed apply right after XXXX. We were still one month behind. I forgot that I had automated a payment for XX/XX/XXXX which somehow the bank cleared and it put us $ XXXX in arrears. Then the bounced check fees that piled in after - over {$800.00}. Then they mailed us a trial mod without even applying for XX/XX/XXXX. I called and said we cant do this. They said well get back to you and then they sold to mr. cooper. Mr. cooper couldnt give me any info until mid XXXX at which point they said the trial mod was still on the system. Wait until it clears out XX/XX/XXXX. XX/XX/XXXX they told me it still hadnt cleared out, but the problem was we werent paying anything. To make a payment by XX/XX/XXXX and then they would get approval to extend the modification. Well we did that and come XX/XX/XXXX it clears out of the system and I call the first week in XXXX and they say the modification is rejected for missed payment. Then they tell me they can resubmit for a modification, no promises. I still dont need to submit any paperwork! Well I logged in everyday and today I see modification is denied. I call and they have to transfer me to underwriting because they cant even understand the reason. Get a snippy underwriter on the phone who tells me the reason is they can not lower my interest or payment anymore. I tell her that that is not what we needed. We just needed to get caught up and she tells me thats not what a modification is for? I said well then why did they have me apply and what kind of help is this and she says theres nothing else mr cooper can do. Still have never submitted any documents! Every time I call and speak to someone they tell me something different or that someone will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 7 hard inquiries on out XXXX, Experiean, and XXXX credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Product: Checking or savings account

Re : : Gemini account, I have held a gemini crypto account for several years. I often travel and work around the globe. In XX/XX/2023 I logged into my gemini account from overseas. 

After my travel, I noticed my account had been frozen. Gemini has asked for photo verification, bills, and now its asking for Specific details about my travel and overseas work contracts, etc. 

This seems rather invasive and I am reluctant to handover my travel information ( I gave them copies of my bills ) I have made many inquiries as to the progress and either no response or form letters. 

As stated, this lack of access to my account has gone on since XX/XX/2023 with no resolution. 

Your help is greatly appreciated as this feels fraudulent, and I no longer have access to my funds
Product: Debt collection

This is my third and last attempt to get answers from BOA : 1. It is hard for XXXX to understand why BOA is not providing these two accrued interest and late fees charges during the default time period between XX/XX/XXXX through XX/XX/XXXX. 

TIME PERIOD INFORMATION SOUGHT FROM BOA XX/XX/XXXX - XX/XX/XXXX Interest Accrual History was NOT provided XX/XX/XXXX - XX/XX/XXXX Late Fees Accrual History was NOT provided 2. XXXX has also requested BOA through CFPB to provide the copies of the certification of the original Countrywide HELOC NOTE ( # XXXX ) which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has an obligation to provide the requested copies. However, BOA has not complied with XXXX 's requests. 

These two requests are for the time period when BOA was servicing the loan so by law they must provide the requested information. XXXX is preparing to file a complaint in XXXX XXXX XXXX XXXX Nevada against Bank of America Home Loans et al., and the two pieces of information being sought will be part of the complaint.
Product: Credit reporting or other personal consumer reports

The company has multiple social security numbers on my profile. I don't know how long has the other social security numbers been on my profile because I've been trying to better my credit for months. I believe there is fraud involved maybe even human trafficking because there is no reason for another social security number to be on my file. I asked them if I can make a dispute and the agent told me I can not and if I do it will lower my credit score. I never heard that excuse before so it's hard for me to trust the company. It seems like they want to rush me off the phone when I was asking for more information. I told them multiple time that the social security number that I see on the website is not mine the agent kept telling me its an error. I don't know how long the error has been there and I believe its been affecting my credit profile negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX as well as XXXXXXXX XXXX  and Personlify regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, Personify financial {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have had multiple yearly discussions with Navient in order to either put my loans into forbearance, delay loans, get income-drive repayment plans, get smaller payments -- if there was an option to give me financial breathing room, then I've exhausted that option. I've dealt with daily calls. I've even dealt with being hung up on by rude customer service reps. Navient employs unethical techniques. They have sent mail to my house in different packaging in order to force more payments from me. They will send large manila envelopes with fake font that looks like handwriting and no return address in order to hide that it is Navient sending out mail. I've been pressured with litigation even though I should not have been. It's been a daily financial struggle with my student loans. I've suffered XXXX XXXX XXXX XXXX regarding my student loan weight for 12 years now. I can not buy a house or secure any type of financial stability due to the destruction of my credit score. Navient has already been pressured to settle billions of dollars of debt due to unethical practices since I've graduated. Just because I wasn't in default ( because I was pressured by Navient to keep making payments even when I barely could ), doesn't mean I wasn't harmed by these predatory practices. Please see more at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
Product: Checking or savings account

My CreditKarma account was previously hacked, and I spent several days trying to recover my funds and close both the checking and savings accounts. On XX/XX/year>, I contacted CreditKarma to permanently close my account, and they assured me a specialist would reach out via email ; however, I never received any follow-up. Recently, I received phishing calls requesting a 6-digit verification code to " prevent a break-in attempt, '' which I blocked. Yet, the account remains open, and there appears to be a security flaw in the system allowing unauthorized attempts despite my changing the password to a new, unique one. I am requesting that my CreditKarma account be permanently closed as soon as possible.
Product: Mortgage

I applied with Clear Mortgage Capital ( XXXX XXXXXXXX XXXX mortgage originator ) to refinance my home in XX/XX/2021. On XX/XX/XXXX, I was provided a favorable mortgage disclosure of loan fees and credits after lender review of my credit, debt and income. Around XX/XX/XXXX, I was prompted to promptly sign a different mortgage disclosure estimate with a {$1700.00} increased pricing adjustment. After disputing the increased fees, the Loan Officer, XXXX XXXX, justified the increase to XXXX XXXX need to subordinate the new loan because of an existing Solar Panel lien on my home. After I explained that the XXXX XXXX XXXX  company confirms their willingness to subordinate their 6 year old lien and that XXXX XXXX  would be in sole lien position as expected, he later responded that any subordination triggers a price adjustment increase and that I have 12 days remaining to accept or reject the loan. 

After applying for a straight refinance for a minor ( .46 % ) interest rate reduction, submitting all reqested personal credit and financial information, and receiving a favorable mortgage loan disclosure estimate from Clear Mortgage Capital, I was surprised and disappointed to receive a subsequent disclosure increase with no logical connection to my credit, debt and financial standing. My experience from this encounter feels like a " bait & switch encounter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # 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: Mortgage

I have had a mortgage account with US Bank for a year and per XXXX XXXX they are reporting that I've been paying 30-59 days late every month since XX/XX/XXXX. US Bank had contacted me by phone and I had advised them that I had sent them a physical check on the mail back in XX/XX/XXXX but it turns out I sent the wrong check to US Bank address. I don't believe it to be fair that one payment being late should then make all payments going forward to be considered late. 

I recently set up automatic payments directly from my bank account to ensure they receive payments on time and made a double payment to bring my account back into good standing. 

This is severely affecting my credit score and ruining my chances of getting new credit lines.
Product: Debt collection

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor XXXX XXXX to your collections company. 

2. Proof that you are licensed to collect debts in Texas.

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report thank you. This account is paid and closed please remove it thank you
Product: Credit reporting or other personal consumer reports

Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past 60 days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX..Account # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX XXXX # : XXXX ( Original Creditor : XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I had a telephone conversation with a representative from USAA savings bank concerning an XXXX XXXX card to inquire as to why they dropped my credit limit from XXXX to XXXX having never been late on payments and having just the previous month paid the account in full. The woman with whom I spoke couldn't have cared less about my concerns and was rude. The next day USAA reports to all 3 credit bureaus that the balance is now nearly {$4000.00} 150 % over my new limit. My balance is XXXX. I called them to ask them what was going on with my account and was told that the credit bureau must have been hacked. I said ALL THREE?! I filed disputes with them and the 3 reporting bureaus. I also filed a complaint with the CFPB as I believe that this was done out of malice. Their response to you was full of lies. They said XXXX XXXX had attempted to contact me, which he did, with one message in the mobile app. I returned his call and left messages and sent him messages on the secure app. He ignored all of them. Today I get a call from someone who states that they are going to investigate. The problem!!?? WHAT?! Their response to the CFPB was that they have corrected the mistake. They are just starting? I wish to press this issue until it is resolved, I would request that the CFPB NOT close this complaint until it is. I also request that your agency investigate the matter as I do not feel it was in error.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00}
Product: Mortgage

i had XXXX XXXX for XXXX XXXX XXXX sold to M & T and raise my payment {$300.00}. ask how is this they said wholesale showed that payment was to be raised. they ask did my property taxes go up it didnt. they ask if escorow go up it didn't. i ask for paperwork showing proof where increase was. it actually showed that payment was XXXX XXXX dollars less. now i ask how is this posible oh we're looking into it. what kind of response is that.