23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2016 around XXXX I went to bank of America ATM at XXXX and XXXX XXXX and I try to withdraw some money so I can take my kids out to eat, when I check my balance it did not seem right so I called the automated machine and I discovered that there is a transaction for the amt of XXXX at XXXX. I was surprise so I talked to Bank of America customer service and I was told that transaction happened on XX/XX/2016 and charges posted on XX/XX/2016. I asked the customer service agent to see if I can file a fraudulent claim on the account because I did not authorize that transaction and I requested to close my account and send a new card. I took all the money out of the account and an agent advised that their claims department was closed due to observation of Labor day holiday and to call on the next available business day. On Tuesday XX/XX/2016 I called bank of America and I did file a claim I was told that may take 10-30 days of process. I did not receive the paper work until XX/XX/XXXX that same day I faxed the necessary paper work that was requested by the bank. On XX/XX/2016 I received a letter stating " We 've completed our review of the reference claim and have determined that no error has occurred in this instance " so therefore the temporary credit was previously applied to your account will be removed by XX/XX/2016. 

I called Bank of America today spoke to Fraud agent XXXX who told me that the only way they can review my case is if I can submit a police report and I told her no one have made mention that I need to file a police report regarding this, I ask why is it necessary when I know I can not be in two places at one point during all the day of transactions mention above I was at work all day and right after work I do have to pick up my kids from after school program and there is no time in between for me to drive all the way to XXXX XXXX at XXXX store and shop ( XXXX store # XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX ) I spoke to supervisor her name is Page and she adv. they determine that there is no fraudulent because I am only disputing XXXX transaction that day. And also the card is never used after that XXXX particular transaction, my reply to the supervisor was " I am a honest person I 'm only disputing the transaction I know I did not process and authorized '' XXXX then she mention well the thief then did not re use your card after that transactions. And I said well I have closed the account and took the all the money out after I found out there is someone else using my card without my knowledge and I also mention I do n't know on How / why / who could it be. So the supervisor after further investigation said due to the fact the transaction still took place in XXXX they can not see that there is a fraudulent. I am entitled to be protected under Reg E the bank was notified in a timely manner of my loss / theft and i know as a consumer I should not be penalized for someone else actions. I would like this case presented to the bank in a timely manner and my money returned to me as owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact Equifax to unfreeze my credit report as I could find no place on the company 's website to accomplish this. Unfortunately, the online prompts through the telephone did not allow me to unfreeze my credit report. 

I requested to speak to an agent and kept getting redirected via voice prompts. Finally, I was able to get to an option to speak to a representative. Again, unfortunately, I remained on hold to speak to an agent for over 40 minutes. I finally gave up and ended the call without speaking to anyone or getting an answer to my request regarding a credit freeze.. 

Given the outsized importance of the credit bureaus, it is vital that they make it simple for consumers to contact them and resolve issues/ get answers to basic questions. Instead, Equifax 's website and its voice system make it extremely difficult to find information and get assistance with basic questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I reach out th the credit for the last two months regarding the incorrect information on file.

I call and fax.

Please help me remove the information above.
Product: Credit reporting or other personal consumer reports

Somebody took out a loan fraudulently in my name from company XXXX XXXX and it was reported to my credit report XXXX XXXX reported loan was initiated in XXXX XXXX and the last payment was also in XXXX XXXX  I called them and told them I never made a payment and they are providing a fake payment history to the credit report please see the attached payment history on credit report which clearly shows last payment XXXX XXXX but they have shown paid on time for 1 year fraudulently making up a payment history this account is not mine they never gave me any documentation to prove the validity of this loan should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I request immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 
Account name : XXXX XX/XX/XXXX: XXXX, XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX has violated my rights. 

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.

15 U.S.C. 1681B ( 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: Mortgage

I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. 

Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. 

Please handle this matter for me. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. XXXX has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that XXXX should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy Chapter13-petition filed Original filing date : XXXX XXXX, XXXX Latest status date : XXXX XXXX, XXXX US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is XXXX validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.XXXX is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX but allowing them to update an account that is charged off with dates that don't make sense or add up. XXXX is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but XXXX is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX is not included. This misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : 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: Debt collection

This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.
Product: Mortgage

i closed a v a loan on the XX/XX/XXXX ... per my c d it was suppose to fund on the XX/XX/XXXX ... as of XXXX est on XX/XX/XXXX it has not ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX  # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Debt collection

Originally I was a Suntrust customer. I continued to utilize my cards. One personal credit card the other business. Truist became the new bank which held now held my accounts. When I went on line to pay my personal card I realize that my Business card was not coming showing. Contacting them, they could not find my information. My business card had XXXX bal. and would not expire until XX/XX/XXXX. I assumed they closed my account. Nothing in writing from them. So I never used the card again, The only card I continue to use was my personal credit card... In the month of XX/XX/XXXX I realized another account was showing with a different number with an outstanding balance of {$190.00}. I contacted them immediately. They claimed it was related to my business card and that amount reflected interest charges from an outstanding balance. When I ask them what purchased was made, they could not retrieve the information. Let me just say my last purchase on that card before it disappeared was for approx. {$14.00} XXXX of XXXX. Secondly the address attached to that outstanding bill was my old address that I had not lived at since XXXX of XXXX. All my statements had been sent to my new address when I made the move when it was still Suntrust. I have been battling this since XX/XX/XXXX. I closed my personal account because of my lack of confidence in this institution. Recently I had a collection agency contact me associated with that account. She said she would provide the information associated with that outstanding debt and mail it to me. In the meantime I get a email from Truist with an on line statement. Logging in I see that not only is that outstanding balance still on there but now it had increased to {$2100.00}. How is that possible? After filing this with their Fraud department, they came back with no resolve. Where is my business credit card and information Truist? It is impossible to reach anyone there. I would like this cleared up and this resolved. Something went awry with the change of hands.
Product: Credit reporting or other personal consumer reports

Experian, equifax, and transunion has failed to fulfill its legal obligation under the Fair Credit

Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against
Experian, equifax, and transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, equifax, and transunion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against these 3 credit bureaus, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, equifax, and transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's, Equifax, and transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the fu
rnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan with Westlake finance since XXXX. I have made my car payment every month. Within this time there has been a handful of times that I have had to arrange a deferred payment agreement in which was successful. 
This morning I woke up to my car repossessed. 
Since I pay my car payment every month, I was in complete shock. 
I called Westlake Financial and they proceeded to say that my payment was XXXX days late. 
This is simply not true. There is not XXXX - XXXX, or XXXX  day late on my credit report therefore where did this come from? 
How is my payment XXXX days late when my payment history shows every month since XXXX my payments have been made? 
This is not accurate information and they have illegal repossessed my car. I can send over my payment history that Westlake has also emailed me, showing that I have made a payment every month. 
They threatened they are putting this on my credit report when this shouldn't even of happened. They are absolutely no help as I spoke to a supervisor. 
This is against fair debt reporting.
Product: Mortgage

I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter has fraudulently gained access to my TransUnion account, as well as my banking accounts, credit card accounts, investment accounts, utilities accounts, HOA account, medical records account, email accounts and changed my personal contact information to her own, changed my passwords/PIN 's and has locked me out of my own accounts, and changed my XXXX XXXX XXXX XXXX to her home address. I have spent months trying to recover my accounts and have my access restored. I have been successful with most of my accounts, but I have had to hire a lawyer to help me. 

My daughter has fraudulently placed a freeze on my credit, which has caused me a lot of problems. I have called TransUnion several times and have spoken with different customer service representatives, but the result is always the same - " Sorry, since you don't have the password/PIN to the account, we can't help you. '' This is completely unacceptable. I have sent a letter with my personal documentation to prove my identity in the hopes of having my access restored to my own account and having my daughter and her information and password/PIN disabled. 

I don't know how to have my access restored and the credit freeze lifted from my credit if TransUnion will not help me. I would never in a million years be able to guess what password/PIN my daughter has placed on my account. Who do I turn to for help? I am filing complaints with every organization and/or agency I can find and hopefully somebody will be able to help me!
Product: Credit card or prepaid card

Recently requested a credit line increase on one card. Was denied and when I called in for more information was not given any information or help. I proceeded to explain to the customer service representative that I might consider closing the account if there was no possibility for a credit line increase. At this point the phone conversation was immediately disconnected. I logged onto my account soon after to find my account had been closed without any of my proper consent and the customer service representative now says that I authorized the closure of the account when I never did. In short, expressed an interest in closing an account, was immediately disconnected and my account was closed without my consent.
Product: Student loan

I took out a loan, the loans were way to high in interest rates. when i grauduated i couldnt pay the loan with min. payments being XXXX a month. interest rates were 18 %. i was asked to put in foreberance and the loan doubled on me growing to double of what i took out. t