23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, my neighbors left their sprinklers on overnight and ended up flooding our basement. In turn we got an insurance settlement. By law insurance settlement checks require both yours and your mortgage company signature. We sent the check to our mortgage company, Loancare LLC, and they returned the check to us, because we forgot to sign it. We received a new check from the insurance, signed it and sent it to Loancare for their signature. They demanded that we pay for the repairs ourselves and then reimburse us, but we don't have that kind of money. Then they demanded a contractor to do the work, then they would reimburse the contractor in payments. By what we were told, Utah does not require flooring installers have a contractors license, so they don't carry one. The only damage was flooring and a little bit of sheet rock, so our original intention was to do the work ourselves. Hiring a contractor will cost more than what our insurance gave us. We've been trying to get our check for 6 months now, and they are still refusing to give it to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

Dear CFPB, I have submitted a complaint in regards to my American Express Business credit card being closed by the bank on XX/XX/XXXX. On XX/XX/XXXX I found out that the bank closed my personal Credit Card account as well. I expressed my dissatisfaction as a customer for the course of actions taken by American Express Bank. I asked them how it was possible that they closed both of the accounts specially my personal credit card without any mail or email notification as they normally do when there are changes related to the account. The rep stated that no emails were sent but supposedly, a letter was mailed to me which I, have not received or read stating that the account was closed.I asked to speak with a supervisor to express my frustration and concerns about the bank closing my account. I openly expressed my discrimination concerns, after updating my bank account information for Auto-Pay, they still closed my account, even though I demonstrated my intensions to pay off both of the accounts. I honestly feel discriminated as a a XXXX Male for them profiling on my accounts. At this moment my credit is score is higher than the score and had a the time when my accounts were approved. I haven't experience this problem with any of my creditors in the past. These two closed account will impact my credibility with the credit agencies and drop my scores drastically. Is not fair for me as a customer to be put on this position as I take my credit and reputation very serious, plus we are in a middle of a pandemic with limited resources it take much more efforts to recover from this type of life events. 
I want CFPB to assist with this matter and explore the possibilities of having both of my account reinstated. Please let me know if you need additional information from me to assist me with the case. Thank you in advance for your assistance. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear American XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally dispute certain inaccuracies and possible violations related to my account with XXXX XXXX XXXX XXXX. After reviewing my records and relevant laws, I believe that there have been breaches that require immediate attention. 

Firstly, I would like to address the potential inconsistencies related to my personal information, which may infringe upon my privacy rights as established by 15 U.S. Code 6801. This statute outlines the importance of protecting consumer information, requiring financial institutions to implement appropriate security measures. I have concerns that my data may not be adequately safeguarded.

In addition, I have noticed discrepancies in how my credit has been reported, which may violate 15 U.S. Code 1681 ( a ). This section mandates the obligation to report accurate information to consumer reporting agencies. Given the negative impact that inaccuracies can have on my financial standing, it is crucial that we address this matter promptly. 

Furthermore, I would like to highlight potential violations under 15 U.S. Code 1605 pertaining to the need for clear and transparent disclosure of terms. Upon reviewing my agreement, I find that certain fees and terms were not clearly communicated to me, which could be seen as non-compliance with this regulation. 15 U.S. Code 1635 also states that within 20 ( twenty ) days of receipt of a notice ( Rescission ). I am not liable for any finance charges or any security interest. By law, it becomes void and all money or property ( title ) is returned to the consumer.

Moreover, I am concerned about the practices surrounding my account that may not adhere to 15 U.S. Code 6802, which emphasizes consumer privacy rights and the need for customer consent prior to sharing sensitive information. It appears that I may not have been adequately informed about how my data could be used or shared.

Lastly, I would like to bring to your attention 18 U.S. Code 1028, which addresses identity theft and related fraud. It is paramount that the information associated with my account is accurately maintained to prevent any misuse that could arise from misinformation or lack of proper identity verification. 

Given these concerns, I am requesting a thorough review of my account and the associated practices of XXXX XXXX XXXX XXXX. I would appreciate your prompt response addressing these issues and outlining the corrective steps you plan to take. 

Thank you for your attention to this matter. I look forward to your timely response so we can resolve these discrepancies efficiently. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Bank account or service

I recently opened XXXX accounts with Capital One, a checking and a savings Account. I opened the checking account with a XXXX check endorsed to me and XXXX in cash. I opened a savings account with a XXXX cash deposit. The XXXX checking deposit was returned to me. My account balances are listed as XXXX and XXXX respectively. I contacted Capital One 360 by phone twice. The first time after a 20 minute hold, I spoked to someone. When I asked why my funds were not available, I was told " This bank is not dealing with you anymore. '' When I asked why, I was told, " I am not discussing these accounts with you. '' The phone call was then rudely and abruptly terminated. A month later, I again called them. After being on hold for 20 minutes again, I opted for the call back option. I never received a call back. In addition, I have faxed them 4 times, and have received no response. I have never received a written explanation or any explanation whatsoever as to why I can not access my funds. If they have closed the accounts, I want my money back. I am a XXXX veteran and XXXX tied up in accounts I can not access is a big deal. I would like my money returned to me. This has been going on since XX/XX/XXXX. I am extremely unhappy about this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX. TRANSUNION HAS NOT REMOVED/DELETED/BLOCKED- XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a notification on my credit report that between XX/XX/XXXX - XX/XX/XXXX my principal balance with Upgrade had increased by {$260.00}. Since my loan is a closed-end installment loan, and the balance is not supposed to increase, I reached out to Upgrade to request my statements for XXXX and XXXX so I could see what happened. They advised me that they do not provide statements on personal loans, and that they also did not know what my principal balance was on those dates. As a consumer, I want to be able to have monthly statements that show the financial history, so I can see if everything is in good order or if I am being charged more than what was agreed upon. I feel it's illegal to not provide this information to customers. They advised my principal balance did not increase, but would not provide any documentation to corroborate their statement. I do not know if I should submit a dispute with the credit bureaus, because I do now know if Upgrade is telling me the correct information. I want to be able to receive monthly statements so I can see what is going on with my loan and make informed decisions.
Product: Checking or savings account

Wells Fargo is set to close my long-standing joint checking account on X/XX/17 with a letter sent in early XXXX that unfortunately, tells me nothing as to why. Contacted customer service three times, everyone refuses to tell me anything regardless of how high up the ladder I go. On XXXX it was prematurely closed with ~ {$5000.00} inside, luckily I was able to get in touch with executive relations to pull out the money. When I went to a branch to discuss this with a banker, I was told by WF 's own banker that I should sue in court to get answers. Extraordinarily unprofessional, and I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 1692c ( b ) 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. These too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX, Experian and XXXX XXXX investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. 


SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Checking or savings account

On XX/XX/2023 my husband wrote a check from our Huntington account to the internal revenue service. The check was intercepted and on XX/XX/2023. It was apparently cashed at a XXXX XXXX with no signature on the back of it. Huntington contacted us to tell us that a fraud had taken place And we were under the assumption that they had caught the transaction before the money was withdrawn from our account. Later, Huntington told us that we needed to get an affidavit signed by the IRS stating they never received the money. Huntington had already contacted us to let us know that a fraud had taken place, so why was the onus on us to prove that fraud had taken place? I contacted the IRS and they said they do not sign affidavits like this, but they will do an internal investigation which will prove the money was never received, even though the person I spoke to said, she already knows the money wasnt received. We have been dealing with this for several months now and Huntington will not give us our XXXX back. How can someone cash a check written out to the IRS that doesnt work for the IRS and how can a check be cashed without a signature?
Product: Mortgage

Hello, MR. Cooper Mortgagee Company has raised my escrow payments significantly during the last 12-month period. It kept raising my escrow balance based on falsely provided City Tax rates. I attached forms that show the correct figures. Mr. Cooper continues to make unrealistic hikes to my escrow that do not align with my current HAZARD insurance and City Tax rates. Mr. Cooper is not committed to paying my property taxes on time, resulting in fines and penalties that Mr. Cooper has added to my escrow account under the disguise of 'Escrow Shortage. '
Product: Payday loan, title loan, personal loan, or advance loan

I currently have a loan that is past due with OneMain Financial. XXXX from the XXXX XXXX has called many days at least 3 times a day & sometimes even attempted to call my work. He would call Monday to

Friday usually 2 to 3 times a day. Sometimes even trying to call on Saturday. I explained to him on multiple occasions I had many health issues and I was struggling and do my best to make payments. Recently he did stop calling and that was such a relief.

I then decided after the many times of harassment I would try to make things right. I called from the letter. I was told that XXXX didnt have control over how many times he called it was just a company policy. So I was curious of the laws on this. It seems that when trying to collect a debt a company should a most call a company 7 times in a 7 day period. XXXX by far exceeded that many many times. 

Nobody deserves to be harassed in such a manner. When I worked on making a payment arrangement with one main today I told them I no longer wanted to be harassed by them.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX & XXXX XXXX I looked at my Equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out :  XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach.

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Credit reporting

I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorize anyone to share my information. Please remove it from my report. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.
Product: Credit reporting

Experian is reporting a Bankruptcy on my credit report. The courts does n't verify this information. It was pulled from a third party reporting agency. Therefore it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiff asserts Equifax Information Services, LLC ( " Equifax '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. Equifax not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements XXXX drafted from Mr. XXXX bank accounts, XXXX sent a statement to Mr. XXXX XXXX account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery Equifax never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into Equifax, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XXXX XXXX creditor receiving payments made via XXXX XXXX via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XXXX XXXX XXXX committed fraud against Mr. XXXX government employee and service member. Equifax knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and Equifax retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers Equifax and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.