23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested Wells Fargo to remove my PMI since I have reached the 78 % LTV the homeowner protection act says is required or automatic termination. They have acknowledged I have met that but say since I have one late payment they can not remove it until next XX/XX/XXXX. Under the HPA it doesnt say you can not have a late payment. This requirement is also not in my closing documents either. Also they have sent me two letters that does not even mention this requirement.
Product: Credit reporting or other personal consumer reports

Consumer Complaint Form Your Information : - Name : XXXX XXXX - Address : XXXX XXXX  - City : XXXX - XXXX : MI - Zip : XXXX - Phone : XXXX - Email : XXXX Company Information : - Company Name : XXXX XXXX XXXX  Complaint Information : - Date of Incident : XX/XX/year> Description of Issue : On XX/XX/year>, I encountered an issue with XXXX XXXX XXXXXXXX XXXX ] regarding my automotive financing. Specifically : It shows a hard inquiry or Delete information
Product: Debt collection

I first received a call from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2018 from the number XXXX XXXX. They did not leave a message. This number came up as spam on my phone. I searched the number, found it was linked with Portfolio Recover Associates. They have absolutely never contacted me through any other medium except spam calls. I have never received a letter or voicemail from this company. 
The following is a list of numbers and dates I was called from this company : XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX ( this is when I started blocking the numbers calling me ). NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX  has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because og my computer being hackedI tried to change my access info online on the Transunion site. It didn`t work very well and I was eventually locked out. 

I tried phoning Transunion regarding my access, but all I get is a recorded message telling me the mailbox is full and to phone back later!! I`ve tried to call them day and nigh at all hours for several days now and all I get is this same message. I know for a fact the two credit reporting agencies to their best to discourage customers from contacting them, which makes them look somewhat shady operators. 

They`ve made it impossible to contact them without going through literal XXXX!!
Product: Credit reporting

I tried to obtain FREE credit report via 'www.annualcreditreport.com '. I elected to get my current report from TRANSUNION. However, when I submitted my personal information I was directed to a screen on my computer that would not let me proceed until I signed up for their 'credit score ' ( for {$1.00} ) and a membership for credit monitoring in which they would bill me monthly for this service. There was no way around this, so I was forced to request my FREE annual credit report from XXXX of the other XXXX companies. TRANSUNION is pulling a scam. Why is n't something being done about this??
Product: Mortgage

I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX  supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting has violated my privacy and rights, however they are reporting on my personal information ( court records ) which is wrong on what they are reporting Ive called the XXXX XXXX XXXX XXXX they have stated to me that they do not give any information about personal information or records, XXXX has not contacted me at all about this misinformation that they are reporting on my credit report ( court records ).
Product: Checking or savings account

On XX/XX/2023 XXXX took a payment for XXXX XXXX XXXX for {$100.00} from my Truist checking account causing a {$36.00} overdraft. XXXX did not send an email about automatic renewal. XXXX did not follow the rules for automatic renewal by giving notice of withdrawal. I emailed them and they refunded the Truist account. Truist did not refund the {$36.00} over in connection with that transaction, when the Vendor was at fault. 

I called Truist twice and reported a complaint, both times never receiving a follow up email with the complaint. I was told they do not refund when a vendor makes a charge and then refunds. The vendor should pay the charge if that's the policy. 

In XXXX I deposited money for a course XXXX to cover the charge. I was never refunded the original {$36.00} and was accessed another {$36.00} fee. Now Truist compounded the mistake and owe me {$72.00} in refunded fees from the original fee in XXXX. 

I want the {$72.00} refunded and interested added to this account. I've called and emailed and they have failed to rectify their mistakes.
Product: Credit reporting or other personal consumer reports

Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, Experian has neglected in writing to comply with the previous. Experian after receiving a certified letter via USPS, including the 2 ID theft reports made to the Federal Trade Comission, suffered after the data leak from certain payment processor, for insurance companies including but not limited to XXXX XXXX, XXXX XXXX XXXX XXXX Experian on an email received today neglects removal for unrecognized inquiries from : XXXX XXXX ( XXXX ) on XX/XX/XXXX XXXX of XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX ) Experian falsely states not having sufficient info, and does not provide verification providing my authorization. 
2 ) Experian asks for my SS card, ID and proof of address, fraudulently trying to distract regulators.

3 ) Experian affects the consumer financially, by lowering the credit score for more than XXXX points, causing a mortgage lender to increase by XXXX bps the XXXX yr rate for a mortgage this month, liable for the impact after : A ) receiving second dispute via USPS registered Mail with returned receipt evidence, including FTC idtheft reports, ID, SS card, and report number.

B ) Experian fails to provide any kind of verification documenting my bearing signature with those creditors.

C ) Experian omits to overview the letters received previously carefully, and the against evidence of receiving all they irresponsibly and fraudulently detail on their email, in an effort to avoid liability, and the potential court claims for defamation, and disclosure of private information. Second letter delivered XX/XX/XXXX. 
Experian is in a breach of the FCRA, and applicable civil codes related to privacy, and against the FTC mandate for ID Theft cases.
Product: Credit reporting

XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FLXXXX  XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I closed out an XXXX XXXX account, received a credit towards my balance, resulting in a XXXX  balance. 

In XX/XX/XXXX I received a negative report on my XXXX  credit report saying I owed {$89.00}. The collection agency was XXXX XXXX XXXX. I spoke with an XXXX rep who said they had screwed up and that I still owed them money even none of my subsequent XXXX bills ( after XX/XX/XXXX ) showed any XXXX balance due. After lengthy discussion with several XXXX reps, I was told the problem would be resolved in my favor. XXXX also removed the disputed fee from my credit report. My last combined billing statement in XXXX/XXXX  XXXX from XXXX showed a XXXX balance for XXXX  XXXX charges. 

On XX/XX/XXXX, I received an alert from XXXX that a negative report had been placed on both my XXXX and XXXX credit reports for the same {$89.00} XXXX fee. This time, the collection agency was Sequium Asset Solution. I was able to once again successfully dispute this charge and get it removed from my XXXX and XXXX credit reports. However, Sequium calls me daily regarding the {$89.00} and I have now started blocking their calls thanks to caller ID. 

I need help stopping this nonsense.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, as well as I have not given any written consent to report anything on my report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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. these are the accounts that I want to immediately removed from my credit reports XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, and all Inquiries associated hard/soft pulls all removed and for my report to remain and reflect at all times a perfect score of a XXXX fico score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

The schools, XXXX in XXXX, XXXX and XXXX in XXXX XXXX but did a scam and hard sell on my son. He was actually not going to school but gave him the loans. My mother in law cosigned the loan. She is XXXX XXXX XXXX with XXXX, they were suppose to remove her years ago, from being a cosigner and never did. We kept asking and they kept changing the conditions. My son has ask for a reasonable payment so he could pay XXXX XXXX a month ) they refused and now it 's going into default but we have paid the {$260.00} to keep it from going and wondering why the payment ca n't be that. They keep threatening my mother in law with lawsuits and to take her house! This is crazy in the XXXX they can threatened a XXXX XXXX XXXX women like that. They have frightened her. NAVIENT does not work with anymore in an reasonable amt, they just keep increasing the amount owed. How can they keep a cosigner on for years and keep threatening her and why do n't they just accept a reasonable payment that a person could afford?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX ) XXXX XXXX XXXX, XXXX ( Also listed as XXXX XXXX XXXX  ), Account # XXXX, Amount {$950.00}, Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00}, Date Opened XX/XX/XXXX. 

3 ) XXXX XXXX, Account # XXXX, Amount {$0.00}, Account Opened XX/XX/XXXX, Closed Charge Off. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX notified me that I had a new inquiry on my credit from XXXX on XX/XX/2024. I called XXXX ( as I have not account with them ) and they confirmed the credit inquiry ( through Experian ) and located the fradulent account. They could not validate next steps. I have a XXXX temporary flag on my credit report and do not understand how Experian allowed this inquiry without confirming my identity with me.
Product: Credit card

I had a citi card i never mis a payment. Until. XXXX. ot 2015. They close. My acount for return check. They keep electronic depicting. My bank account. even after i called and told then i had a family emergency.plus they never gave me a credit. Increase. Can you please look into this.thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX******* BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report, as well as unauthorized inquiries. To verify my identity and address, I included a copy of my ID, Social Security card, and 1099 form. 

In my dispute letter, I specifically requested the following information from TransUnion : Details on how the disputed item was verified. 
The date when TransUnion contacted the creditor and furnisher. 
Contact information for the creditor and the furnisher. 
The name of the person who verified the item. 
The method of communication used to verify the information ( e.g., phone, email, mail ). 
Confirmation whether the creditor and furnisher provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 
Despite my clear and thorough request, I have not received any response from TransUnion. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. Equifax refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle : s handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance {$390000.00}. Also I am not late on XXXX XXXX XXXX XXXX  XXXX XXXX account, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.