23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Reference number XXXX, XX/XX/2019. You stated this account was 100 % accurate. This account isn't reporting accurate and shouldn't be on my credit profile. the dates opened and showing two different dates. this account is also not reporting on one of the credit profiles but is reporting on yours which is incorrect. this information isn't accurate and only accurate information should be reporting based on the law. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I spoke with American Express about fees that were assessed for late payment on XX/XX/2021. I explained that the reason my payments were late was because of a technical error in the American Express auto pay system where I was given confirmation auto pay was setup however according to American Express it was never registered in their system. 

When I explained this they said over the phone they would take care of the late payment fees. However, the representative only removed one fee from each of my American Express cards and did not remove the others as promised. 

Today I called American Express and was able to get the remaining fees removed from my consumer credit card however when I called the business card team, they refused to remove the fees despite me explaining the error in detail and my previous conversation with American Express. 

The fees that remain for my XXXX XXXX XXXX card ending in XXXX are : XX/XX/2021 - {$35.00} XX/XX/2021 - {$39.00} American Express should understand and acknowledge that these types of computer errors can and do happen with consumer bank applications and internet connected electronic systems. I think it is unfair and predatory for American Express to hold consumers responsible and target them with fees for technical errors and glitches present in their software. 

As of today, I have even paid American Express the late interest on my account despite all this. My account is fully paid, up-to-date, and I confirmed with American Express on XX/XX/XXXX when I was aware of the issue that autopay is enabled going forward. 

I am asking is that American Express do what is right and what was promised over the phone to remove the remaining late fees from my card dated XX/XX/XXXX and XX/XX/XXXX. If American Express will not remove the fees, I ask that they provide me the transcript of our call on XX/XX/XXXX so that I can review the record myself. 

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

On XX/XX/XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Product: Checking or savings account

On XX/XX/year>, at around XXXX, I attempted to use my card to make an approximately {$30.00} purchase through a food delivery app on my cell phone when my card was declined. This card, a Capital One debit card, is linked with a checking account that has an available balance of around {$3600.00}. I opened my mobile app to check on this issue when I noticed a box of text below my account summary which read " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I called the number and, after some interaction with their chat bot, got hold of a customer support member. That individual told me that the bank had frozen my account but the reason for this action wasn't available to her. She then revealed that the people who are able to lift this hold only work Mondays through Fridays ( XXXX ), meaning that there was no possible way for me to regain access. 

Checking my transaction record, the last transaction I'd made was the night prior. This means that the bank froze my account while I was at work on Friday without notifying me, knowing full well that there wouldn't be a chance for me to resolve this with them for the next sixty or so hours. 

I have notifications from their mobile app enabled, meaning that whenever I make a transaction, a notice appears on my phone 's screen and it vibrates. Given that I work at a place that requires me to constantly use my phone, my phone wasn't set to any privacy mode which would have blocked an incoming call. I looked through my email and found that the last communication I had with Capital One was on Monday, the XXXX of XXXX -- that email from them had nothing to do with placing a hold on my account. 

This checking account contains all of my available finances, meaning I was now totally cut off from buying food and utilizing transportation. 

Capital One could have called me, they could have emailed me, or they could have at least allowed for some sort of grace period. Even still, the reason for this sudden withholding could have been made available to me, allowing me time to work on a solution. This action brought much more than inconvenience to my life and Capital One failed to take any number of steps which would have prevented this.
Product: Mortgage

After getting advice from a Attorney about Bankruptcy in XX/XX/XXXX thru XX/XX/XXXX Discover home has given misleading information from customers service representatives, submitting documents in loss mitigation procedures, loan was current until Bankruptcy started in XXXX. 

Discover for almost 2 years has multiplied this account so they can negatively impact my credit and make behind and then propose the bogus plan which is attached in complaint I believe in doing so this account would never get to this point! I specifically requested the amount be added to principal balance and problem solved but kept giving run around and negative credit impact
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX 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, Equifax '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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. 

In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help me?
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim that MIDLAND CREDIT MANAGEMENT verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Debt collection

Back in 2013 a loan was taken out at Rapid cash in XXXX XXXX, Nv. 2 weeks ago this company electric document processing whose number reached out to me with a case number of XXXX and her name is XXXX XXXX, she advised me to a call XXXX XXXX XXXX XXXX. where a XXXX XXXX answered and transferred me to a XXXX XXXX of the XXXX XXXX XXXX XXXX, he claimed that he was trying to settle for {$500.00} Instead of the {$1000.00}, I advised him does he know what the statue of limitations is for Nevada and he said yes, its only 4 to 6 years, so I said why are you contacting me 10 years later, and he said Ill be served
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.
Product: Credit card

Chase Bank worked my car loan, my XXXX XXXX credit card, and my XXXX credit card. Chase Bank will not let me log into any account, playing games with passwords. They offered me a temporary password a couple times. It never worked. Chase arbitrarily changed all the passwords, for all the accounts, making them all the same one password, and then never let me log in. The car loan is paid off years ago. I cut up both the XXXX and XXXX credit card and returned them to Chase Bank with a request for cancellation. They will not cancel the accounts. I do not use them. I do not want them. I am at risk of credit card fraud due to this, through identity theft.

Chase Bank must allow me to close these two accounts, but they make it impossible for me. They require me to log on even for assistance, but will never allow it.
Product: Credit reporting or other personal consumer reports

The company has stated they will allow an incorrect account to remain on my report. I initiated a dispute informing XXXX that the information does not follow the law by reporting to my credit report. XXXX specifically started " the incorrect account will remain '' and I have proof of this.
Product: Credit reporting or other personal consumer reports

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day RESIDENT VERIFY Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU
Product: Credit reporting or other personal consumer reports

Violation of Privacy Act of 1974 & of the XXXX and Privacy Act of 1974. 

XXXX : DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$1000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$2900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3900.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$3500.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$6000.00} Balance updated XX/XX/XXXX DEPTEDNELNET Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), DEPTEDNELNET Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXX : DEPT OF EDUCATION/NELN Balance {$2900.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$7100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/NELN Balance {$3900.00} Balance updated XX/XX/XXXX XXXX
Product: Mortgage

Applied for a Load modification and was approved by current lender in  XXXX  of last year after my mortgage amount increased by  XXXX  a month.I sent the  XXXX  payment in and apparently that payment was never applied because the modification was already approved so I was told that  XXXX  payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until  XXXX  so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid  XXXX  of   XXXX   here we are in  XXXX  and the process has still not been completed and every month since  XXXX  is showing missing payment on my credit report as well as my loan so my statement is reading that I owe  XXXX  in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but  Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that  my credit score took a huge dive  because they were still showing delinquent payments since  XXXX  no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!