23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get our mortgage with US Bank modified for over 2 years. We apply for the modification and a round about ensues every time. We give them the application, they ask for documents, we send documents. They say they need more documents, again and again until so much time has passed that the first documents we sent have expired and we are advised to start the process over. We then eventually get denied but ask to appeal because they deny based on inaccurate information. We try to appeal and they tell us we're better off just reapplying. We are in the process of applying again. The person working our case is horrible. She barely responds to email, and when she does it is almost impossible to understand what she is saying. She often sends blank emails or doesn't answer my questions in the emails she sends. I even have a lawyer and they continue to play around with us. We fell into hardship when my son was born with multiple XXXX. We lost our jobs while he was undergoing XXXX treatment and have not been able to hold full time jobs since. I believe that US Bank is discriminating against us for this reason. We now get social security for my son and although money is tight, we could be paying our mortgage. I think US Bank would rather see us put out on the street than allow us to remain in our home.
Product: Mortgage

I am on a covid relief hardship plan and the mortgage company is charging me XXXX in late fees and I asked them if they would waive these fees due to covid and they tell me they can only waive 2 months worth of late fees, I feel XXXX is a lot for customers trying to come out of a pandemic and they are refusing to work with me and on top of that they are trying to give me a XXXX a month repayment plan when my monthly mortgage payment is XXXX who can afford double while in a pandemic when you can barely afford your original payment, I have talked to every Supervisor I can and nobody wants to help me or eliminate some fees so I can get a head. Please help I need desperate help with this
Product: Debt collection

I mailed Navy Federal Credit Union a debt validation and cease desist notice in XX/XX/XXXX for validation of the alleged auto debt. They received both notices via certified mail ( XX/XX/XXXX ) and had 30 days to respond with information to validate the date. Navy Federal Credit Union failed to send back the required information to validate the alleged debt which is a violation of 15 USC 1692g. Pursuant to 15 USC 1692g ( b ) Navy Federal Credit Union is in violation for not ceasing collection of the alleged debt or any disputed portion thereof until I the consumer received a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Navy Federal Credit Union proceeded to mail me a debt validation letter ( XX/XX/XXXX ) that was inconclusive and did not include the name of the original creditor. Navy Federal Credit Union proceeded to share my location information and send an unauthorized third party ( Final Notice XXXX XXXX and XXXX XXXX XXXX to private property to steal my property ( XX/XX/XXXX ) and that is a violation of 15 USC 1692c ( b ). Navy Federal Credit Union also mailed me a " NOTICE OF REPOSSESSION AND OUR PLAN TO SELL PROPERTY '' notice ( XX/XX/XXXX ) which is a violation of 15 USC 1692e. Navy Federal Credit Union is also not registered to do business in the state of Maryland.
Product: Credit card or prepaid card

Paid off my credit card account that's has also been closed but Citibank is still sending me monthly bills even though I have made no purchases and the card and account is closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING This is a NOTICE & DEMAND to equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. Remove this inquiry immediately because this is the result of identity theft. XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 XXXX  days before the payment due date. 



XXXX 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 XXXX  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

XX/XX/year> Subject : Second Request for Investigation and Immediate XXXX  Account # XXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute XXXX XXXX XXXX ( a ) : You are required to conduct a thorough and accurate investigation within 30 days. 
XXXX XXXX XXXX ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per XXXX XXXX XXXX ( a ) ( XXXX ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. XXXX XXXX XXXX XXXX has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 


Experian, 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 15 U.S.C 1681c. ( 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 informatyytion, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Equifax is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XXXXXXXX XXXX XXXX just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.
Product: Debt collection

THE COMPANY, RICKART COLLECTIONS SYSTEMS, INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX . 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX XXXX5 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 1681c. ( 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) 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
Product: Credit card or prepaid card

Home Depot Credit Services owes me a {$25.00} credit. When I opened the credit card account on XX/XX/2019 Home Depot Credit Services offered me a {$25.00} promotional discount on my first purchase within 30 days of the account open date. The offer code is XXXX. The purchase was made on XX/XX/2019 for {$29.00}. 
I wrote to Home Depot Credit Services on XX/XX/2019 and XX/XX/2019 but they did not respond. I sent messages to them on their website but they did not address my problem. I tried to call them but could not get a live person on the phone. 
Please credit my account for {$25.00}.
Product: Credit reporting

I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.
Product: Mortgage

On XX/XX/2017 XXXX XXXX XXXX dba XXXX XXXX filed forclosure papers on my home for not providing flood insurance on the home. According to FEMA we are in flood zone x which is not inside the Special Flood Hazard Area ( floodplain ). The elevation certificate shows the house is well above the top of the dam. The Senior Planner for XXXX Co, says the house is outside of the 1 % /100-year Special Flood Hazard Area ( floodplain ). Champion mortgage is a predator. They charge monthly for property appraisal which according to case no XXXX class action complaint against Nationstar Mortgage dba XXXX XXXX filed in Illinois is illegal. I have to mail them the verification that I live at my home 3-4 times a year  because they say they never received them. This Company is also in the insurance business so of coarse they want me to have to pay for flood insurance I don't need!
Product: Mortgage

DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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. 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$82.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through XXXX and XXXX took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against your company for violating my rights.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with PNC Bank. Please see PDF
Product: Prepaid card

I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing and when my credit report was pulled there was collection found for XXXX XXXX, that does not belong to me. 

Upon the start of my employment with XXXX XXXX, an XXXX XXXX XXXX was installed with XXXX XXXX at my place of residence. I moved from that address on XX/XX/2021, services were disconnected as of XX/XX/2021 once the equipment was returned. I spoke with XXXX and found that the {$59.00} is an unpaid balance on the business account. I was provided the final bill to reflect the unpaid balance due from XXXX XXXX XXXX. Per my employer, the balance was paid following the disconnection at that address. I disputed the account with Equifax, providing the statement from XXXX, and received an update stating the account belonged to me and that it would remain on my credit report.
Product: Credit card

On XX/XX/2023, I checked my " Affirm Spending Power '' in my app that is tied to my cell phone number and my account that I have had for years. I was going to purchase a new XXXX from XXXX. 
When I went to check out, however, Affirm put me through a brand new process of " verifying my identity '' upon which they asked for copies of private documentation, and a selfie, that they claimed would allow them to verify my identify- nevermind that I've already spent THOUSANDS of dollars with them via the app and paid off several thousand dollars to them. 
The " id verification '' apparently uses a nonsensical AI to " verify '' the identity, and for some stupid reason, they claim that I didn't meet the ID vertification requirements. 

I am quite miffed over this for several reasons. 1. ) I have used Affirm numerous times before and have paid off several thousand dollars over the last few years with zero issues. 2. ) In the app, they claim, and are still claiming that I currently have {$3200.00} for purchasing power- but of course I can't use it. 3. ) I am very worried about them asking for identity verification, and submitting my information into some AI system, and then not being " verified '' as who I am. This is frightening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is at 45 days and still no results.