23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my ins went up to {$4000.00} cause ins said need a new roof but no leaks it is just over 14 yrs old. So house payment went up to over XXXX. I was told I could do a forbearance for 6 months then it would be put at the end of my loan new loan date at the end then the end of XXXX was told I owe the 6 months can't put it at the end of loan. So they said do modification to lower payments. So waiting to heard back about it sent all the paperwork in showing I am over working and his medical retirement check and our income. My husband 's income went down cause he got a XXXX XXXXXXXX we are trying to get XXXX XXXXXXXX cause he can't work. We will be getting it in XXXX. Trying to save our house til then and we can even get a new roof then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account directly with Equifax several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received a notice from XXXX app that my Equaifax score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my XXXX credit card account. According to the contract terms I have with XXXX service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. XXXX representative refuse to give me a copy of the requisition allegedly sent of XXXX nevertheless, Equaifax representatives told me it was not sent until XX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by XXXX causing an adverse affect on my credit score.
Product: Credit card or prepaid card

I was sent a new credit card that had the last 4 digits of a card I already have. It said a Visa a Signature card. The heading on the letter said it was from XXXX. A typical looking credit card except it was a little thinner than most cards. There was a sticker on the card to call a number to activate the card. I tried three times with the automated system to give my numbers it kept rejecting them. They connected me with a person who took my numbers but again it didn't work, so he asked for my Social Security number to check it. I hung up realizing it was a pretty slick scam.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at : XXXX XXXX XXXX Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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

I don't have any collections with TransWorld Systems.
Product: Credit reporting

I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, XXXX, Sagestream and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report as usual, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the issue persisted. This is incredibly frustrating, and I need this matter resolved immediately. Please review the documents Ive submitted thoroughly so I can put this issue behind me once and for all.
Product: Student loan

XXXX broke my loans down into 9 different accounts with 9 different interest rates increasing my loan to over {$37000.00} for an XXXX degree!
Product: Checking or savings account

American Express Saving account make me difficult to use my account online for make a transactions like XXXX credit card payment and/or XXXX, deposit checks. XXXX account was compromised but they did not close it. How can I ask to remove account restriction from latest open account I dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX   XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX, XXXX ) XXXX/XXXX : XXXX XXXX/XXXX : XXXX XXXX  XXXX/XXXX : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX XXXX : XXXX XXXX : XXXX Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX/XXXX   XXXX Dept of Ed : 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

Hello I am submitting this complaint Because Oportun have reported to my credit profile wrong information I have seen in my report that I have 3 missed payments that are reporting incorrectly. 

I have tried to contact the lender and ask for deletion but havent been possible Under the federal law 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. ''
Product: Mortgage

I mailed a payment to the company for the XX/XX/2024 payment. They did not receive it. When the account became past due, they failed to notify me. I am set up for online banking with them. They have my email address and my cell phone number. My account was set to " Notify me of change in account status ''. I thought this meant if the account status changed from Current to Delinquent, I would get notified. I received no notifications of any kind. When I called, they claimed that they had called and sent me a notification via USPS mail. They asked me to call other departments to find out about the calls that I NEVER received. As for the USPS mail notice, it was dated XX/XX/2024 and postmarked XX/XX/2024 ( I have copies ). By this time the account was already 30 days past due. As soon as I logged on to make my XXXX  payment, I noticed the March payment had not been posted. I immediately paid the March payment and late charge and the XXXX payment. I then followed up with the company regarding my account being reported as 30 days past due, which dropped my credit score by XXXX points. I requested they correct this and they said " Flagstar will not do that unless it was a bank error ''. I have NEVER had a 30 day late on any account.
Product: Mortgage

I have been trying to assume the mortgage for the home I own since my husband ( sole on the loan ) died in XXXX of XXXX. I was not on the loan, but we had filed a joint tenancy deed, and I was the sole inheritor of all of his property by will. The mortgage company, Wells Fargo, was provided with both the deed and the will. I was initially told that I would need to refinance. I knew this was incorrect and that I had the right under the Garn St. Germaine act to  assume the mortgage. The attorney who handled my estate filing interacted with Wells Fargo citing my statutory right both by correspondence and phone several times, with no successful resolution. I made a previous complaint to this bureau, with no successful resolution. I was recently reassured by a banker that I did have the right to assume the mortgage, strengthened by recent regulation, and recontacted the company ( both mortgage division and corporate ) by letter XX/XX/XXXX. This time I did receive response acknowledging my right, not to assume the mortgage, but the right to be " reviewed '' for an assumption. This review was to consist of a credit income qualifying process. It is my understanding of the Garn St. Germaine Act that if I wish to assume the loan, the lender must honor the assumption whether or not I am creditworthy. [ XXXX XXXX XXXX, XXXX XXXX, pp XXXX, XXXX, XXXX, XXXX ] Because this is so, I object to the requirement imposed by Wells Fargo that I must undergo a credit income qualifying process the fees of which are approximately {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Transunion Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX and XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$XXXX} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as inaccurate : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I submit a claim for a non authorized transaction the claim number XXXX and the bank has declined to refund my money despite I provided evidence of the merch to be a fraud and I provide enough details about the case
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit card

On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XXXX, XXXX 2024, and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

I previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX. 

This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment. 

The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX  Account Representative XXXX XXXX XXXX XXXX Texas
Product: Checking or savings account

On XX/XX/2018 received a direct deposit check from my employer. Within a few hours upon the deposit, the bank just auto deposit one for {$120.00} for my car loan and {$150.00} for my credit card. I called the bank to try to set up arrangements or try to solve the problem however the bank refuses to give my money back when they knowingly took my money from my account without my approval. There had been times that the bank has try collect payments which led to my account being overdrawn.
Product: Debt collection

Based on the above bullet points, I and this situation falls into XXXX,XXXX and XXXX bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a Seidberg Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Type XXXX XXXX XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} XXXX : XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Liability : {$0.00} Exempt Amount : {$0.00} XXXX 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 an account without my written instructions