23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted the bank for over a month. The loan holder passed away on XX/XX/2020. I am the confirmed successor in interest of the home. 

I first called their loan servicing company on XX/XX/XXXX to explain that the homeowner had died and that I was inheriting the property. They in turn immediately filed for a foreclosure sale, knowing that ownership had already transferred to me. 

It took them a month to confirm me as the successor in interest. I have filed loss mitigation papers and they have given many excuses, including, I must assume the loan in order to be considered for loss mitigation. I have informed them over and over that I am able by law to make modifications without assuming the loan. This is my legal right. The bank refuses to do so.
Product: Checking or savings account

I think PENFED needs to be investigated for discriminatory practice. I am being denied a free checking account with no explanation. when i call no one tells me anything an treats me like a criminal or something. everyone is very secretive and no letters are sent. I check XXXX XXXX  my credit is XXXX. I do not know why they keep denying my application. its very sad because i have friends who bank with them and love them. this is odd please explain or help me figure this out
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reached a point where I was fed up with the credit bureaus after I was a victim of identity theft, Experian received my complaint and deleted the fake accounts and everything that was incorrect, after a while they decided to delete the positive account that I still make payments on every month. Today Experian went to find an account that closed the negative and inaccurate information, they put it back in my credit profile while they removed the correct account that I make payments on every month, NOTE Well they have an interest in reporting bad things on people 's credit.
Product: Vehicle loan or lease

I was in dire need of a car & searched on line & found a XXXX ( XXXX miles ) XXXX XXXX - single owner. XXXX XXXX had pre-approved me far more than what I would spend. I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) & purchased the vehicle. 
I did not know that the vehicle had No Warranty until I was at the table signing. Thus I purchased an extra $ XXXX worth of additional coverage ( thinking it would be better safe than sorry. It doesnt cover the brakes that I need now after only XXXX miles. The finance manager came out to offer me additional coverage such as dent insurance? My saleslady was not impressed that he offered me that after she stepped away from the table. I declined the additional coverage. 
My credit score was XXXX XXXX Bank of America financed it at 9.94 % interest rate. I was preapproved by Capital XXXX of about $ XXXX, although I have their credit card and pays on time & keep my spending below 20 % & they declined me for an auto loan. 
I should have walked away from this all too familiar disparity of a deal. I had to put my XXXX XXXX to rest and paying XXXX ( no mass/bus routes ) & getting stranded in the wee hours of the morning was too dangerous. I cant enjoy having to have a dependable ride without KNOWING that the financing could and should be more affordable. I wanted to file a formal complaint because we see on the latest news that XXXX XXXX XXXX XXXX at an alarming rate even with good credit etc. It is this way in our every day life. I get so tired of the race card, but I cant make this stuff up. Being XXXX is XXXX and especially being a XXXX XXXX. 
* Purchased XXXX * Will be sending Bank of America CEO XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX registered letter * Sent Email to XXXX XXXX ( no response ) XX/XX/XXXX 2023
Product: Debt collection

Got a collection on my credit report without even being contacted about anything with this scam company. No communication was sent to me I never spoke to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inquiries listed on my credit report that I believe are fraudulent and unauthorized. I have recently obtained a copy of my credit report from your agency and discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove it from my credit report
Product: Credit card or prepaid card

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with settlement offers for two charge off accounts with XXXX  ( {$970.00} past due ) and XXXX ( {$3100.00} past due ), both from XXXX. They were sent via certified mail & gave XXXX  & XXXX XXXX  ample time opportunity to decline. They did not, I later sent restrictive endorsement checks for {$240.00} ( via certified mail on XX/XX/XXXX ) and {$790.00}, reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the accounts with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX & XXXX agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX XXXX , & XXXX  -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the restrictive endorsement checks but did not honor the terms of the agreement. Only the payments were reported to XXXX XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to Experian to have a fraudulent account removed. XXXX XXXX created a fraudulent account in my name and began to fraudulently reporting it to all 3 of the credit bureaus. I've absolutely NO CONTRACT with this company and furthermore, XXXX XXXX invaded my privacy and illegally started harassing me via email. My personal information has been completely compromised. I am making a formal complaint and want the fraudulent account removed. This company is a fraud and I am very angry at Experian for not protecting consumers from fraudulent accounts and personal identity theft. Where is the protection from illegal credit reporting? My identity was COMPLETELY STOLEN!!!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and inaccurate and incomplete information being reported by EQUIFAX XXXX After reviewing my credit report I noticed inaccuracies and incomplete information reported by XXXX XXXX XXXX XXXX XXXX off Acct XXXX credit and Charge off Acct XXXX XXXX is inaccurate information 15 U.S.C 1681 ( 2 ) ( i ) ( a ) states that a consumer report does not include information solely as the transaction or experiences payment history charge off between the person and the fraudulent account held with XXXX XXXX XXXX XXXX. This is Identity Theft and fraudulent deceptive Credit practice by XXXX XXXX XXXX XXXX. XXXX XXXX does not have my consent to furnish inaccurate information CHARGE OFF accounts, this is identity theft whether it be, nonverbal, written implied or otherwise is revoked. 15 U.S.C 6802 ( a ) ( c ) ( e ) ( 8 ) states that a financial institution may not disclose nonpublic information to nonaffiliates 3rd parties unless consumer is given nondisclosure option. 

1. DISPUTE XXXX XXXX CHARGE OF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX / CHARGE OFF 2. DISPUTE XXXXXXXX XXXX CHARGE OF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX / CHARGE OFF
Product: Credit reporting or other personal consumer reports

See previous complaints. Each time I report that Equifax is not reporting my largest credit card, CFPB notifies me the company has responded. 

The response IS my complaint -that Equifax is not reporting my largest credit card.

=This is repeating the complaint back to me and CFPB not responding to it And taking 30 more days plus to do it so my credit continues being falsified year after year causing me massive identity issues every time I try to apply for things since I'll be other credit bureaus are reporting accurately. 

With that CFPB says the company has responded which it has not - then closes the complaint! 

CFPB appears to be in collusion with Equifax not responding to the complaint, which is that an item is missing from my credit report. 

Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. Both companies continue falsifying my information and not responding when I complain -and for no reason where this benefits no one and only hurts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( Transunion 's report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX  XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) XXXX XXXX XXXX Hard inquiries : _XXXX  XXXX XXXX  DELAWARE I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to EQUIFAX but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 
EQUIFAX has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.
Product: Credit card

I have been trying access my Bank of America credit card agreement online and it is no where to be found which is illegal. I first tried through the Bank of America app, but was directed to the website and it not there in plain sight. They have it hidden or not posted. I have been trying to understand my foreign transaction fees for over a week now because I have travel planned.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX  XXXXXXXX XXXX XXXX because my XXXX  XXXX XXXX XXXX would not give me a auto loan due to the fact that XXXX  XXXX is reporting that I had a co signer and that the balance was still due. The account that I had with them was years ago and paid off in XXXX or XXXX. When I contacted them the rep was very rude and told me to contact the credit bureau to have them remove the account off my credit. I asked for a supervisor and she stated that my account was indeed paid off and nothing else was due and that she will send me a email stating the account is paid off and will be deleted since the account was old. When I received the letter it only show that the account was paid off. I disputed this account with XXXX  which took more than 30 days and the account is still present and nothing was updated. I disputed several accounts with them and sent proof that the accounts were paid off and informed them of the company pay to delete and the accounts are still present on my account. - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email will be sent tomorrow. 
- [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX accounts paid on XXXX XXXX Experian still has paid accounts listed in collections and did not remove them as well as XXXX, and XXXX. All of these companies have agreed to remove off my credit report and to allow 30days. Well it has surpassed 30 days and I have disputed with all three Credit bureaus and not receiving any progress.
Product: Credit card or prepaid card

I have had a credit card with this company for several years and have never been late. I have been having problems since XX/XX/2019. I have been told a payment is not due or the payment due is not showing correctly on their website. I have made several attempts to make a payment and have been told several different amounts that contradict the other representative. I spoke with XXXX, XXXX, etc. I eventually returned a call for XXXX, a manager, but have not heard back from her. I have also been notified that my credit report has been negatively affected by this.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to request an update to my personal information on my credit file, in accordance with 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ). It is imperative that consumer reporting agencies handle the information of consumers fairly, impartially, and with due respect for their privacy. 

Specifically, I request the deletion of all personal identifiable information from my credit file. Please remove any outdated or incorrect addresses that are listed on my credit report, as I can not receive mail or any correspondence at these addresses. Also, I request that all incorrect names associated with my profile be deleted. Please ensure that my address is updated to the one listed above. 

Additionally, I request the following : Employer Information : Please delete any information listed under the " employer '' section of my credit file.

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer with a right to privacy. Not granting me these updates would be in direct violation of the FCRA. 

Once the requested updates are made, please send me an updated copy of my credit report reflecting these changes to my address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have over XXXX inquiries on my report that are not authorized. 

Incorrect addresses and names. 

Unauthorized reports by XXXX that are identity theft.
Product: Mortgage

When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights. 

Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party? 

In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting. 

While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of. 

Thanks for your help and guidance.
Product: Checking or savings account

I am writing to report an incident of identity theft involving an unauthorized attempt to open a Frost Bank account using my personal information on XX/XX/XXXX, XXXX i received an email saying a checking account has been open in my name and another email saying the application was denied. I called Frost Bank and let them that it wasn't me who opened the account and requested information from them they couldn't provide but insisted that I make a police report and file a complaint with the FTC and CFPB. I filed a complaint with the FTC in addressing this matter and provide any guidance or resources to help prevent this in the future, I dont want this to hender me from opening any new accounts in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed incorrect information with XXXX and Equifax to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On equifax its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.