23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

I requested proof of the debt by mail with a certified return receipt to Credit Control LLC. My request was for proof of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.
Product: Vehicle loan or lease

36 months ago I leased a truck through US Bank. Last week I paid the balance in full.

When you call XXXX XXXX XXXX XXXX XXXX they claim the loan is closed and I should have the tile in 10-15 days.

When I log in online or call US bank customer service they are still trying to collect and additional {$260.00}. They claim this is just and error to ingnore it.

I dont think Banks should be asking for money the know is not due. A bank should not tell you its an error that they cant fix. The operator went on to tell me that I should be thankful that I dont have automatic payments set up as that takes 2 months to turn off and they will not refund the error for 8 weeks.
Product: Credit card or prepaid card

There was unauthorized purchase on XXXX XXXX $ for XXXX XXXX XXXX sim card. Bank of America did n't start investigation after my dispute 2 months. After I called and ask for actual check they started investigation and completed in 1 day and declined it without investigation. When I called them they even could n't provide me a reason. I called to Bank of America 4 times after that and they just ignoring.
Product: Mortgage

Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I submitted my initial complaint against Absolute Resolutions. It is as follows : On XX/XX/XXXX of 2021 I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all 3 of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has used my information improperly and it has caused me harm. EQUIFAX has reported a negative account on my consumer report from XXXX XXXX XXXX XXXX XXXX of the amount of {$1800.00}. This is a violation of 15 USC 1681c ( a ) ( 5 ), and therefore should be deleted immediately. I've sent a letter to EQUIFAX and they've responded stated that my dispute was verified. I've called and spoke to an EQUIFAX agent and the agent told me that EQUIFAX does not uphold to the Fair Credit Reporting Act when I discussed this matter with over the phone.
Product: Credit card or prepaid card

My mom XXXX  at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. 
When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account Number : XXXX XXXX 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: Debt collection

XXXX XXXX XXXX has placed a Credit Collection Agency on me for a debt that was " Paid In Full " last XX/XX/2019. I have contacted XXXX XXXX XXXX Directly several times and they simply refuse to remove this amount owed, and have placed this with a collection agency. I then contacted all three ( 3 ), credit bureaus, XXXX XXXX, XXXX, and XXXX. XXXX XXXX was the only credit bureau agency that reviewed my submitted documents and rapidly removed the collection account from my credit report. I have submitted all related document necessary for this action to take place. e.g., Photo copies of my Government Issued Photo ID, Social Security Card, and Copies of United Stated Postal Money Orders as Proof of " Full Payment ". 

However, after submitting all this information to XXXX, XXXX, and XXXX nothing is resolved, I have several dispute case numbers and again nothing is resolved.

XXXX XXXX XXXX does not feel that a United States Postal Money Order Receipt of " Full Payment " is Valid. They have Rejected my filed disputes on Seven Different Occasion 's. I have spoken with their customer service department numerous times, and additionally, have send via, fax, snail mail, and document upload to their customer service department again, without any type of resolution to have them purge this false amount. With that said, additionally I have also provided the identical documents to all three ( 3 ), credit bureaus, and only XXXX XXXX Removed this false debt. I truly have had enough of this nonsense from XXXX XXXX XXXX, and the two remaining Credit Bureaus, XXXX, and XXXX. 

Moreover, this has had a drastic impact on my over FICO Score,  barring me from purchasing a home, and making me subject to outrageously high interest rates. 

In short, I continue to be penalized as a result of their incompetence. 
If a United States Government Postal Money Is Useless Then So is the money in everyone 's wallet, purse, cookie jar, or bank throughout the USA. 

I have been very patient awaiting a positive outcome to no avail, therefore I have taken the time necessary to write the Consumer Financial Protection Bureau and request a Formal Investigation of XXXX XXXX XXXX to Remove this from my credit report and verify that the amount due has been " Satisfied and Paid In Full ". 

In closing, I look forward to immediate resolution to this issue pending the results of your investigation. 

Thank You. 

Respectfully, MrXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated disputes and spoken with a XXXX XXXX. I followed her instructions and did not recover any cashed insurance checks that this debt is for. I simply ask that either XXXX XXXX XXXX Southwest Recovery Services provide copies of cashed checks or remove account. XXXX XXXX XXXX XXXX has no records of issued/cashed checks. Furthermore this company is stating this is for service on XX/XX/XXXX but continues to resubmit to credit agencies new assigned collection dates to trick the system and process. The new date is XX/XX/XXXX, when this account appeared on my file prior to this date.
Product: Mortgage

I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??
Product: Mortgage

XX/XX/XXXX I attempted to complete the online application process for a HELOC on a property I owned prior to marriage. I am the only person on the deed and the only person on any loan related to this property. Cross Country customer service conferred with their management that my spouse must provide consent for me to obtain this loan. When requested, Cross Country was not able to provide any statute that requires spousal consent in Virginia -- -as Virginia is not a Homestead or Community Property state. And in fact, the spousal consent would not allow Cross Country rights to judgement on the property in the event of my death : 55.1-202. Spouse not responsible for other spouse 's contracts, etc. ; mutual liability for necessaries ; exception ; responsibility of personal representative. 
Except as otherwise provided in this section, a spouse shall not be responsible for the other spouse 's contract or tort liability to a third party, whether such liability arose before or after the marriage. The doctrine of necessaries as it existed at common law shall apply equally to both spouses, except where they are permanently living separate and apart, but shall in no event create any liability between such spouses as to each other. For the purposes of this section, liability shall not be imposed upon one spouse for health care furnished to the patient spouse who predeceases the nonpatient spouse. No lien arising out of a judgment under this section shall attach to the judgment debtors ' principal residence held by them as tenants by the entirety or that was held by them as tenants by the entirety prior to the death of either spouse where the tenancy terminated as a result of the death of either spouse. 

Code 1919, 5134 ; 1932, p. 22 ; Code 1950, 55-37 ; 1984, c. 504 ; 1985, c. 202 ; 2012, c. 45 ; 2019, c. 712 ; 2023, c. 798.

In my situation, there is no reason to obtain my spouse 's permission to borrow equity in my sole ownership property, and requiring my spouse 's permission violates Regulation B/ECOA/FHAct : Paragraph 6 ( b ) ( 8 ).

1. Prohibited basis - marital status. A creditor may consider the marital status of an applicant or joint applicant for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit. For example, in a secured transaction involving real property, a creditor could take into account whether state law gives the applicant 's spouse an interest in the property being offered as collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 29 unauthorized and unknown inquiries reporting on my Transunion credit file, inquires not authorized by me, so that makes these inquires fraudulent therefore I'm demanding that these inquiries be removed immediately
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/year>. I received a notification from Experian stating that a new address has been added to my credit report. It is a very old address that USED belong to me. Multiple previous attempts using a previous address and my personal identifying information have taken place over the years. Aside from further information being available upon request. I strongly feel that such illegal acts have continued because the people involved are not concerned with legal consequences as to my dismay the involved authorities are not interested in making those involved accountable.
Product: Money transfer, virtual currency, or money service

My accounts were compromised and the representatives refuse to send me all of my funds.my name is XXXX XXXX XXXX My social security number is XXXX My date of birth is XX/XX/year>
Product: Mortgage

2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans , Union XXXX XXXX XXXX XXXX : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 dispute account, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
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

On XX/XX/2024 I settled my account with Flagship Credit Acceptance for {$2000.00}. The account is suppose to reflect paid and settled but Flagship has continued to report delinquent each month since then. Even after contacting them and disputing the account XXXX times.
Product: Checking or savings account

Hi I was open Chase bank account and transfer direct deposit my paychecks from XXXX XXXX  XXXX to Chase bank after XXXX deposits of my paycheck Chase bank suddenly closed my account Im not was informed about that Im try to open my app Chase bank but my account was closed and I dont have access to my money please help me Chase Bank holding my money XXXX $ please help thank you