23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an email from XXXX XXXX in XX/XX/year> about the mortgage firm encountering an underwriting issue that led to my loan being at risk of being canceled. After several emails back and forth regarding my employment, I eventually received an email proposing a no-cost refinance to help alleviate the initial concerns. Despite reservations, I proceeded to complete an application to refinance my home mortgage with them, as directed by XXXX XXXX, VP of Production at Norcom Mortgage, who instructed me to apply under XXXX XXXX, the founder and CEO of Norcom Mortgage. I submitted all required documents on Friday, XX/XX/year>, and underwent a credit pull on Monday, XX/XX/year>. However, to date, I have not received any communication from the company despite multiple attempts to reach out, including calls, voicemails, and an email to XXXX XXXX. It is my understanding that they are legally obligated to provide updates on the status of my refinance application at this time, yet they have failed to do so. I feel misled and deceived by their lack of communication.
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 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 inaction violates federal law and my rights as a consumer. 

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 from XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Things on my background check should not be pulled up after 7 years and it keeps on appearing I plead out to the charge back in XX/XX/XXXX and XX/XX/XXXX its been 14 years and it still showing up preventing me from jobs and things of that nature
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/year> ' 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  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 information, 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

i been a victim of idenity theft 4 collections on my report and hard inquiries that i dont know about i tried to have this fix for years and its still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ( s ) listed on my letter are inaccurate and should be removed for my credit report
Product: Debt collection

This company was listed on my credit report - credit collection with a of {$130.00}. I called in to valid this date and this company couldnt provide me with any information.
Product: Vehicle loan or lease

XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it
Product: Checking or savings account

The FDIC Consumer Response Center has attached correspondence to your case. Please login into the FDIC Information and Support Center at your earliest convenience to view the correspondence Case # : XXXX Name of Contact : XXXX XXXX XXXX Description : I have savings accounts at XXXX XXXX and Goldman Sachs. I tried to set up ACH transfers between the two banks. This was done from both sides- XXXX to Goldman, and Goldman to XXXX. The first was successful, the second was not. I tried to transfer funds from Goldman to XXXX - initiating from the XXXX side. The first request ( XX/XX/year> ) was cancelled by Goldman ( Marcus ). When I caled Goldman to inquire why both the transfer set up and the transfer request initiated by XXXX were unsuccessful, I was told ( after about an hour of reps and transfers ) that they did not deal with XXXX. I then requested that Goldman wire the funds to XXXX. They refused.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency involving several FRAUDULENT, INACCURATE, UNVERIFIED AND ERRONEOUS REVOLVING ACCOUNTS on my credit report, which have been erroneously linked to my identity. Upon a comprehensive review of my credit report, I have identified the following erroneous accounts : XXXX. XXXX  XXXX XXXX Account Number : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$9600.00} Date Opened : XX/XX/XXXX I must emphasize that these accounts are not associated with me and are a result of identity theft, a situation that is both distressing and deeply concerning. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) enforced by the Federal Trade Commission ( FTC ) and applicable privacy laws to request the immediate removal and Block of these erroneous entries. 

Furthermore, I wish to draw attention to the urgency of this matter. According to the FCRA and other pertinent privacy regulations, erroneous information must be rectified within a reasonable time frame. Given the gravity of this situation, I kindly request that these accounts be expeditiously removed from my credit report within four days mandated by law. 

I thank you in advance for your immediate attention to this serious issue. I trust that you will uphold the commitment to consumer rights and privacy laws in rectifying this situation.
Product: Checking or savings account

On Saturday XX/XX/2022 at around XXXX I received a call on my cell phone from Santander Bank as per my display screen on my phone that is what it came up as. They called about fraud going on with my account and started to ask me a bunch of questions in regards to stuff about my account. They were mostly asking me about some XXXX transactions that were pending and not being processed in the meantime they kept send passcode numbers to reset my account 7 in total as to which I inputted every time. All of the transactions they tried to process were for people I never even heard of than expect for one person that I has XXXX one other time who was a friend of a friend, so the gentleman on the other end told me that i would received a text about that transaction and to reply yes and that when we got off the phone to contact this person and have her decline the transaction, once that was complete I was told that my account was frozen and the cards were locked. Once we were done on the phone we contact our friend who was friends with the person the XXXX transaction took place with to refuse it so that we could get it back not knowing while this was going on the transaction was already approved and upon speaking with our friend his friend never even got a XXXX request. Next day Sunday XX/XX/2022 i called Santander to discuss further with them to get our money back also tried calling Saturday night but was unable to get through. Come to find out that our account had been hacked and that the call on Saturday was a fraud. Spoke to XXXX from Santander to have him file a claim and to really freeze my account and cards. Everyhting was filed and claim was submited and we were told we would hear back in 3-5 days. On Monday XX/XX/XXXX my husband and I went to our local branch to open a new account in which I left early from work to do so. Upon my husband getting to the bank prior to get the ball rolling the lovely lady told us that she did not have time to open the account and would get us moeny if that is what we needed and to come back another day to open an account. I was very unhappy with that and went to the bank myself to make a long story short she was able to open a new account but could not help otherwise in regards to the fraud stuff nor would she even reach out to them for us. The week went by no work from the bank in regards to the fraud so on MondayXX/XX/XXXX I went to the bank to follow up when they proceeded to tell me they could not help I need to do so on my own, however they needed to contact fraud to lift the freeze so money could be moved and they let me speak with them myself in regards to our claim. In speaking with XXXX we were told that the claim had been denied for inconsistencies in which we never even received a letter or call about. XXXX said they usually don't but she will submit another claim as she felt this was the wrong decision. As per then no more contact with the bank still waiting to see where we stand but as per other Santander reps they do not see this as being approved.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds 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 accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I was applying for new credit so I went to my equifax online account to temporarily lift the freeze I have in place. I was unable to lift the freeze online, I received an error message advising me to call customer care. I gave a call to customer care and they were unable to remove the freeze as well. After being placed on hold for several minutes they advised me that a block was placed on my file and I needed to provide personal verification documents to them via mail. This was very upsetting because why do I even have a block on my file. They was unable to provide a reason. And requesting personal information via mail puts us at risk of fraud and more. But nonetheless being that I am currently trying to purchase a home, on XX/XX/23 I sent a letter along with 3 pieces of personal identification documents, asking for the block to be removed. The mail was sent priority and received by their company on XX/XX/23. I was told to call once I sent the letter and let them know and within 4days it should be corrected. I have spoken with customer care throughout this week and they are saying they didnt receive it. Lies, because I have receipt of delivery. I am unable to purchase or apply for anything because they have a block on my Account. I am entitled to my credit report and blocking my file is against FCRA. When you havent provided a reason for the block. And once I have provided my information to you, which I have, for Verification that block should have been removed. Not to mention all the disputes I have put in online and I have provided this same information as proof over and over again so what are you doing with the documents we send in to you. I need this block removed immediately.
Product: Student loan

I initially filed a complaint about Nelnet Student Loan Services through the Consumer Financial Protection Bureau, compliant # XXXX. Nelnet incorrectly marked me as graduated and unfroze my student loans. I had seen I had noticed an upcoming payment marked for XX/XX/XXXX in XX/XX/XXXX, despite being enrolled full-time and contacted Nelnet at this time. They assured me it would be corrected by XXXX and to leave it be. XX/XX/XXXX came around and it was not corrected. They informed me that my university ( XXXX XXXX XXXX XXXX XXXX ) told them that I was graduating in XXXX, this was inaccurate. I contacted my university 's graduate student office, the bursar, and the registrar at this time and confirmed that this was absolutely not the case. Nelnet requested that I provide proof of enrollment for the Spring and Fall, which I provided. It was still not corrected, I believe there were 4 or 5 instances of me contacting them throughout this time. After filing my initial complaint, I received notification on Nelnet letterhead that this was resolved and I would not owe payments until XX/XX/XXXX ( I am expected to graduate on XX/XX/XXXX ). This letter was received through this platform on XX/XX/XXXX. 

Despite all of this, my student loans were once again unfrozen and interest has accrued on federally subsidized loans once more. My account indicates that I owe a payment on XX/XX/XXXX. I contacted Nelnet immediately upon noticing this on XX/XX/XXXX. Initially, they told me the same response we had been through ( that the university told them I graduated ). I cited the letter they sent me on XX/XX/XXXX, my previous communications with them, and the proof of full-time enrollment material I had provided them months earlier. They stated they could not explain why this mistake occurred, apologized, and said it would be resolved and reflected on my account with in 14 days. It has now been 14 days and this was not resolved. I am contacting them again today.

At this point, I believe that Nelnet has extended beyond deniable incompetence and entered the realm of malpractice. {$27.00} interest has accrued on federally subsidized loans illegally, as I have maintained full-time enrollment throughout this entire period. This interest should be removed immediately and my loans should be re-frozen. At this point, I have spent hours of my time dealing with their customer service and filing these complaints and I believe I am also entitled to partial student loan forgiveness. I believe this is a predatory practice where they hope people do not notice them illegally unfreezing subsidized loans and then capitalize on the extra money owed for interest and missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort to learn my pre-approved rate on a personal loan with XXXX XXXX XXXX, XXXX XXXX XXXX did a hard pull on my XXXX credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
Product: Checking or savings account

I had a checking account with SunTrust for 35 years. SunTrust merged with Truist last year during the summer ; my checking account was closed by Truist unilaterally, without previous warning or information, because of scarce transactions, on XX/XX/2021. One month before, Truist had informed me that as of XX/XX/XXXX my account was active and that the transition from XXXX to Truist implied no change in my checking account. As a matter of fact in XXXX, on the XXXX, I had had an internet chat with a Suntrust representative concerning a new check-card and the representative ( XXXX ) mentioned no problem with my account. I have called and written to Truist many times to no avail. The money in my checking account was sent to the North Carolina XXXX. of XXXX XXXX as escheated. I think that Truist 's behavior has been contradictory, careless, incompetent and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my XXXX XXXX card they had no problem with it but told me experian put a credit card freeze or fraud alert past few days i been trying to call experian for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want experian to take off anything they have frozen on my account and confirm that with me and XXXX XXXX as soon as possible. I'm look at experian online and they have all my numbers and everything. XXXX XXXX is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX   XXXX Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX XXXX DateXX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Amount : {$25000.00}
Product: Debt collection

I have been notified that Portfolio has placed on my credit reports that I owe them money. I do not have a contract with Portfolio and they can not prove any proof of signature or that I have a contract with them. They are demanded to immediately remove their reporting from my credit reports or pay me XXXX for defamation of my name/credit. The other complaint I have against them they have not even responded too. This company is conducting shady business and breaking many laws.
Product: Credit card or prepaid card

Barclays XXXX XXXX Credit Card : My account was hacked. Hours and hours of attempting to resolve with phone representatives. Have not sent me my statements so i can determine with any specificity which charges were bogus. Can not get into my on line account because the hacker changed my password. Barclays sent a card to this guy under his name on my account even though I told them not to. Some person in another state who i have never met. Most importantly, despite repeated attempts to have Barclays turn off the auto pay and to close the account, they can not or will not do so.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged 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 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 PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.