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

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXXXX/XX/year>
Product: Mortgage

My FHA loan was closed in late XXXX of 2014. I lost my job due to injury prior to the close of escrow. The lender funded and closed the loan anyway. I did not know this was a problem. 
Now, I was looking to do a Streamline Refinance and the current lender tried to help me, but said my FHA loan was not insured. I have never been notified of this until now that i am trying to refinance. I am paying monthly MIP, but the loan is not insured. Am i entitled to a refund for all those payments? My loan closed with Crossline capital and was transferred to Stonegate Mortgage about a month after we closed. 

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Product: Money transfer, virtual currency, or money service

Account was closed due to Zelle fraud and another opened simultaneously ( XXXX ). Zelle returned money to closed account ( {$800.00} ) which bounced back. XX/XX/2022. Repeated efforts to get money back through XXXX have failed with being told that might take through XXXX or not at all. Zelle has been basically unresponsive. XXXX did not initially follow through with diverting money to correct account and Zelle seems to have decided that they wont return the money ( wherever it is ). I can provide account numbers and information if requested.
Product: Mortgage

Carrington Mortgage recently purchased my mortgage from another mortgage company. I was never contacted by the company to tell me my mortgage had changed hands. After 30 days they claim they did a vacancy check and charged me XXXX dollars. Why go through the effort of sending a person to my house instead of attempting to contact me by phone, email, or other means? They claim the {$25.00} dollar fee is in my contract. I never signed a contract with Carrington, and the contract I signed with the previous mortgage company does not contain this clause. They have not shown me any evidence that they did a vacancy check, attempting to contact me, or even shown me that I signed the clause assessing the XXXX dollar fee. They've asked me to send a fax ( FAX? ) or write a letter to a XXXX XXXX XXXX This is 2022, why not email or phone call? This is undoubtedly to discourage people from disputing these fees.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion s handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. Sham Investigations : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXXXXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon taking out a business loan at my financial institution of XXXX on XXXX XXXX. Me and my husband were denied after our personal banker informed us that BANK OF AMERICA Reported derogatory information to XXXX and EARLY WARNING SYSTEMS which prevented us from opening the new account. This was all news to us because all our businesses and personal banking has been with the same financial institution for XXXX  years. We have never banked or done any business with Bank of America in any form or fashion. On XXXX XXXX we immediately reached out to Bank of America fraud department and notified them of the incident and that we were just made aware of it. They opened a case we cooperated fully and supplied them with the affidavit and all information requested in a timely fashion. We sent the first letter XXXX XXXX. They responded case close information not supplied. Which was not true. We sent another letter with all requested documents XXXX XXXX. Again they said no information received. So we requested fax number to send the information so we would confirmation of their receipt we then faxed the information on XXXX XXXX, XXXX at XXXX called in the next day to confirm receipt no documents received informed by rep in fraud department to resubmit the fax on XX/XX/XXXX. We did called in next day to confirm. Still no documents on their end. We inform them of the fax number they confirmed it correct. We sent it again XXXX XXXX XXXX am still same response. We called in numerous times and requested a supervisor with no avail. They informed us they would call us back no return call. We keep call attempting to find out whats going on. Non of the representatives or floor supervisors were helpful or understanding of the situation at hand. We sent a fax again with all requested documents XX/XX/XXXX at XXXX. Continued to call in to the fraud department to get it resolved still they say didnt receive the fax. Stayed on the line with a rep named XXXX in the fraud department located in Texas sent the fax again on XXXX XXXX at XXXX Bank of America still replied no received fax. Its impossible for this to be so every fax i send goes through and we feel as if Bank off America is playing games and not practicing ethical consumer practices. Tonight XXXX XXXX I called in again spoke with a rep name XXXX in the fraud department in Texas informed her of the issue she stated they never received documentation she escalated the claim so she said I requested a supervisor she placed her floor lead on the line his name XXXX he was extremely non chalant and not understanding of how this inaccurate and fraudulent information was affecting us. We are the victims and are just wanting to resolve the issue and correct the inaccurate reporting to the XXXX party consumer reporting agencies, Early Warning systems and XXXX.
Product: Student loan

The student loan company placed me in school deferment. I called them and told them that I did not give them permission to grant me in school deferment, and to place my account back where it was because I had already made payments through XXXX 2024. They then said they needed to send me a form to sign so that way they can put my account back as it was prior to them placing it in school deferment I went signed the form uploaded it and sent it back. They placed me back and repayments status but they dont have the payments that was paid through XXXX 2024, therefore now theyre sure that my account is delinquent I called them. They assured me that my account was still being worked done, and that that was gon na be done. However, Im starting to get messages that my account is delinquent. I have left the messages on their portal. I have tried to call them and I am not getting any results or any progress, I need them to restore my account with my advance payments that I had thru XXXX 2024 2024
Product: Student loan

I don't have specific dates and times for each attempt except for yesterday, XXXX.XXXX.18. I have called and asked WellsFargo to help me lower my monthly payment and I keep getting denied. I don't understand. My other student loans let me lower the payments. They have never lowered their payment. With multiple student loans, I am struggling to pay them. I'm behind 90 days constantly.
Product: Credit card or prepaid card

This card company said they have sent out a card for my benefits and I have not received a card yet.still waiting on a card and it's been a month since my employer filed claims on my behalf. Still waiting on the card so I can use it. XX/XX/XXXX will be two months. Can someone help me.
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, 15U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX XXXX XXXX failed to issue a refund to reverse the charge of {$10000.00} I sent the proof to discover and they still wouldnt remmove the charge. Telling me they believed me but they wouldnt reverse it the stupid mother fickers
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. XXXX bank did not apply my payment correctly. They also did not pay the insurance that year. XXXX bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames XXXX bank. I contacted XXXX and the state that I have complain with sml or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. XXXX. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.
Product: Credit card or prepaid card

Getting notification in the mail that i applied for a credit card at there store. And it wasnt me. My wallet was stolen. I called each company to let them know that it wasnt me. And they put alert on it.
Product: Credit reporting

This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX
Product: Student loan

My original Student Loans from Navient totaled {$5200.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX totaling {$2900.00}. I received a notice of default on XX/XX/XXXX with the amount due totaling {$4800.00}. 
I received tax offset notices from The Dept. of Education on  XX/XX/XXXX ( {$330.00} ) and XX/XX/XXXX ( {$520.00} ). I received a debt collection notice on XX/XX/XXXX for {$6000.00} ( principal bal {$2900.00} ). I disputed the amount owed, but was answered with another debt collection notice on XX/XX/XXXX for {$6100.00}, which did not provide any payment history or other details as to how the payments were applied. I received additional tax offset notices from DOE on XX/XX/XXXX ( {$720.00} ),  and XX/XX/XXXX ( {$53.00} ). The additional {$1600.00} in payments made between XX/XX/XXXX to XX/XX/XXXX via tax offset, bring my total payments made towards this loan to {$4500.00}. 
After being turned down for an FHA loan in XX/XX/XXXX, I contacted the Dept of Education regarding my student loan. Again, I disputed the amount owed. I received a letter on XX/XX/XXXX detailing my payment history from XX/XX/XXXX to XX/XX/XXXX, which did not include payments before the default. What it did show was that {$0.00} of the {$1600.00} collected was applied to the principal balance. I then contacted Navient in an effort to obtain my payment history prior to the default. I received a letter on XX/XX/XXXX stating that a claim was filed and the loans were transferred to the guarantee agency. Their records show the outstanding principal to be XXXX. 
As a result of my inquiries I received a debt collection notice on XX/XX/XXXX for {$7700.00} and the principal balance is still {$2900.00}.
Product: Credit reporting or other personal consumer reports

Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers to dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed dispute 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 accounts, as Equifax`s inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.
Product: Checking or savings account

I am writing to express my concerns regarding the recent closure of my checking account with Citi Bank and to request a resolution. 

In XXXX, I opened a checking account with Citi Bank and deposited {$25.00} as required. Shortly after, I received a welcome email that confirmed the opening of my account along with the last four digits of my account number. However, instead of receiving a debit card as expected, I received a letter notifying me that my account had been closed. Unfortunately, the letter provided no explanation for the closure. 

Since that time, I have been waiting to receive a refund of my {$25.00} deposit. Given Citi Bank 's reputation as a leading financial institution, I trusted that the matter would be resolved promptly. However, it has now been eight months, and I have yet to receive my refund. 

When I contacted Citi customer service department, I was informed that they were unable to access my account information without the full account number and could not assist further. ( I did not have a full account number as I never received one ). I was advised to visit a branch in person to resolve the issue. This experience has been both frustrating and disappointing, as I believe it is the bank 's responsibility to provide clear communication and resolve the matter in a timely manner. 

I respectfully request an immediate refund of my {$25.00} deposit. I also hope that Citi Bank will take this opportunity to improve communication with customers, ensuring that situations like mine are handled more transparently and efficiently in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Regarding my acct. # XXXX XXXX XXXX XXXX ( closed ) While residing in the USA I was a member of XXXX, and was issued a XXXX Visa card with special XXXX benefits. My account was never delinquent, and paid in full each and every month. When I relocated to XXXX in XXXX of XXXX, I paid an additional {$400.00} on my account to ensure that it would not be overdrawn or become delinquent during the moving process. After arrival I attempted to access my account online but could not. For reasons unknown to me, and which I can not explain, I could not contact anyone at XXXX  XXXX  to render my change of address. Access was blocked. After numerous attempts I was finally able to contact a customer service rep in Florida, who supposedly recorded my request for information about my account and learned that it had been closed, and the credit balance of {$400.00} was sent to my former address in XXXX XXXX. I don't know why they closed it, it was not at my request. The rep said that her identity verifying equipment was XXXX and she would call me back the following week. That week, and many more, came and went but no call ever came from her, or anyone else. Since then I have tried again to reach someone without success, and finally wrote a letter addressed to both of the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX and to XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. That letter was dated XX/XX/XXXX and so far I have received NO RESPONSE. Anything you can do to help me get my full refund of at least {$400.00} would be much appreciated. 

Please note : Attached is a copy of my husbands statement indicating that CitiBank had our correct address. The change of address was given to both accounts at the same time.