23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud & identity theft. I contacted XXXX  and Experian TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXXXXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a zero balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Product: Debt collection

This Debtor keeps calling me from multiple phone numbers throughout the day, I have seen up to XXXX times in XXXX day from an agency about a debt that I have asked to settle multiply times, I have them to send me the paperwork by email or mail along with all payments made and not made and told me they can not do that.
Product: Credit card

When my husband was XXXX XXXX XXXXXXXX XXXX he opened a new bank account and moved all of outlr joint account funds to his new account. I later began difficult on my own after I did research on what financial abusers are likely to do, and I started calling companies to find out what was in my name so that I could fix anything I found. I called Wells Fargo fraud department to see what I could find. To discover that a card I thought was in his name and I was just authorized to use was the opposite. I never took out any of the 4 credit cards in my name or gave him permission to do it. I knew he took out my student loans, because he asked my permission. I did not know that the wells fargo, the 2 XXXX  XXXX credit cards, or the XXXX XXXX were in my name. I never applied, I never saw a bill, I never got a statement. I found that all of the online banking for each were in his contact information. ( His phone number, his XXXX XXXX XXXX his email address, and he made the passwords to access them ). When I called Wells Fargo I had them look into his charges and tell me if any seemed unusual. They said no. His usual spending. I asked for a copy of all of the statements, and they mailed them to me. I gave them to my divorce attorney. I thought that it was something that the district Court Judge would order him to pay. But he did not. The {$13000.00} charges were all made by him and during our separation not before. He acted like the card was his. I had to ask permission any time I used it, and he would take it away when he was XXXX about money. I believe the charges were made after I was awarded in court a temporary emergency household child support payment when he left our joint bank account at XXXX. I pulled my credit to look at it when I saw the other credit cards I didn't know about. The only one with charges he made was the wells fargo. He used to pay all of the bills, and I didn't know he stopped paying the " credit cards that were mine '' I didn't know they were mine and I didn't know I had any bills to pay. I didn't know that he would only ruin my credit if he used a card that both of us had. So I didn't look right away after his XXXX. I called XXXX XXXXXXXX and after hours was relieved that there were not outstanding balances. I called XXXX XXXX and was also relieved it has a XXXX balance. My credit report says that wells fargo has turned the debt over to collections. He also put all of our assets into only his name. Spent all of our community money, and divorce court can only give me his equity in our condo to repay his waste to try to divide equally our assets.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  I tried to access my bank of America sole account online due to transactions stated on the XXXX number I needed to dispute. The charges were stated differently and inaccurately as I have reported in the past to both boa and the cfpb. I have attached the 3 change in passcode attempts I tried under my user ID authorized by me as ONLY XXXX the 1 bank of America email states security alert Some one looked up your user of and the second one states my passcode was changed. 
AFTER 3 ATTEMPTS I still could not access my sole XXXX account with BOA. I THEN TRIED A FOURTH time and a screen came up which I have attached to this complaint it STATED MY USER ID WAS XXXX Who changed my user ID to my sole boa account is my question? I received a boa email inXX/XX/2020 and called the number because I changed my passcode not my user of ... they confirmed my user of was XXXX ... .Also was BOA GOING TO NOTIFY. ME THE OWNER OF THIS SOLE ACCOUNT OF THE CHANGE.??? WHO DECIDED ON MY NAME THIS TIME?? BOA OR MY UNKNOWN IDENTITY THEIF ( MY identity theft is registered with the FTC # XXXX ) MY US LEGAL NAME IS XXXX XXXX XXXX XXXX XXXX AND NOT XXXX XXXX XXXX XXXX XXXX. 
SO IT said to enter a new passcode and reenter and confirm but then it said they do match and then it said ..I DID 3 TIMES BUT IT STATED CAN NOT COMPLETE. SO again I am denied my civil rights to access my bank of America account to dispute the stated charges on the XXXX recorded line. I have saved the recordings and they clearly contradict and miscalculated my balance. I will follow up
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024, I filed a dispute with XXXX and Experian stating that XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Experian for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - XXXX. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.
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  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX  CARD W/ {$500.00} LIMIT. UNFORTUNALEY INXX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX  STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Product: Credit card

The facts of the case ( Citi closed my bank account and credit card accounts, and my son 's accounts due to guilt by association for depositing numerous virtually identical money orders into my Citi Bank account, even tho numerous Citi bankers advised me that my account would not be shut down for doing that ) have been correctly summarized in a complaint filed by my son, XXXX XXXX, so I will not repeat them here. 
Case # XXXX. 
Citi asserted that their training employees to give out false information and then closing the account when i followed the incorrect advise was OK because their agreement with me gave them the absolute right to shut down accounts for any reason. 
I agree that they have an absolute right to shut down accounts for any reason but that is very different question from whether they can proactively lie to customers and then punish their customers for relying on the false information. ( Lied to me by saying that multiple very similar money order deposits were OK, then closing my accounts when I followed their advice. ) The CFPB closed my son 's complaint, sending the message to Citi ( and to whatever other credit card companies fiund out about this outrageous decision ) that they are free to lie to their customers in any way they want to, or to proactively take other actions which harm their customers and hide behind the " we can close account for any reason '' language to justiy their actions. 
This is a huge and dangerous precedent to set, going way beyond the specific fact pattern of my case. 
Close an account because a banker was XXXX of that a customer complained about improper XXXX advances? No problem, Citi has a right to close any account. 
Close an account because the banker did not like the race, or XXXX orientation of a customer? No problem, the CFPB has Citi 's back. 
If you feel it is appropriate to let companies do this, at a bare minimum it should be disclosed that Citi 's right to close extends not only to problematic actions of the customer, but problematic actions which only occur becaus ethe customer is following incorrect Citi advice. 
Something along the lines of " Citi 's right to close your account includes not only situations where the customer does things on his/her own which Citi does not feel are acceptable, but also situations where the customer does unacceptable things after being specifically advised by Citi that those things are acceptable. '' If you decide to close this matter without further action, please feel free to include a statement of your reasoning, which I will include in any media or Congressional oversight complaints that I file. ( This offer is extended to Citi as well. ) There was no such explanation when you closed my son 's complaint.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX that was charged off in XXXX, and the debt repaid in XXXX. Equifax and/or XXXX report this charge off as occurring in XX/XX/XXXX, despite multiple disputes. This results in an inaccurate credit score when run through the algorithms. It is an easy error to verify and correct based solely on data provided on the Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on multiple occasions to have the remove information from my credit profile that I have disputed and proven to be wrongly reported information I have sent out multiple letters calls and even one company had already requested that they remove accounts I have disputed and they have yet to remove them or the fraud inquiries I disputed in which
Product: Credit reporting or other personal consumer reports

According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists TransUnion XXXX and XXXX continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these 3 bureaus... 

XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX TransUnion XXXX XXXX {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond
Product: Student loan

My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!
Product: Mortgage

I am currently in escrow on a property and am working with The Money Source to assume an existing loan. This assumption was offered by the seller as he was made aware by The Money Source that his loan was assumable. Both the seller and myself have been in contact with The Money Source for months, constantly asking to status updates and is we could provide any information to expedite the process. I just received on XX/XX/XXXX the disclosures regarding the loan in which I am about to assume. I signed and sent back the loan disclosures on XX/XX/XXXX. This morning XX/XX/XXXX I received an email from the money source stating that they are no longer offering loan assumptions. I understand if the company will no longer offer loan assumptions but canceling the process of my loan assumption after being led to believe for months that we were in process is a violation of some sort. I would puld like to continue with the assumption of this loan and feel like this company should finish the assumption as we have been led to believe that it was in process.
Product: Mortgage

I prequalified for a loan with XXXX XXXX XXXX, XXXX CO in XXXX 2020. 
I went under contract for a new construction home in XXXX 2020. 
I was paid for appraisal on XX/XX/XXXX ( after my Realtor reminded broker to order the appraisal ). 
I was scheduled to close XXXX. 
There were builder delays in closing pushing it to XX/XX/XXXX and then XX/XX/XXXX. Certificate of occupancy was issued XX/XX/XXXX. 
On XX/XX/XXXX, the broker did not have the appraisal to do disclosure notices to close. 
The appraisal was obtained XX/XX/XXXX but was the wrong property. An update was issued XX/XX/XXXX for the correct propety. Disclosures were issued XX/XX/XXXX and closure was scheduled for XX/XX/XXXX. Lender ( Lakeview Loan, XXXX XXXX, FL ) did not prepare closing documents. 
Closing rescheduled for XX/XX/XXXX and XX/XX/XXXX - still no closing documents. 
I have suffered losses due to delays, lost annual leave scheduled for move that hasn't happened, having to " restock '' my household goods in temporary storage, having to stay with friends, etc. I'm also in CO with the super covid bug now in outbreak. This is dangerous and I still have not closed on my home. 
I am still awaiting closing with no hope of it happening.
Product: Debt collection

XXXX is reporting accounts that are invalid and unverified. XXXX has investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA if its a collection because this is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the reporting of a charge-off on my credit report for an account with Capital One. During the XXXX pandemic, I was significantly impacted financially, and I made proactive efforts to inform the bank of my hardship. Despite my efforts to work with them, the account is still being reported as a charge-off, which I believe is unfair given the circumstances and my attempts to resolve the issue. 

Account Information : Creditor : Capital One Account Status : Paid and Closed Closed Date : XX/XX/ Worst Payment Status : XXXX Days Late Payment After Charge-Off/Collection Dispute Explanation : During the XXXX pandemic, I faced substantial financial hardship due to mandated restrictions that forced me to stay home and prevented me from working. I informed Capital One of my situation, seeking assistance and support to manage my account responsibly. Despite my communication, I was told that they had various hardship programs available but insisted that I did not enroll in them, which is not accurate. 

I reached out to Capital Ones customer service multiple times to resolve my account, but the responses I received were often inconsistent, unhelpful, and rude. Their customer service representatives did not provide clear or straightforward guidance on available options. When I finally received funds, I acted in good faith by making a full settlement payment as soon as possible, yet the account remains marked as a charge-off, unfairly impacting my credit profile.
Product: Debt collection

Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.
Product: Mortgage

In XXXX of this year 2023 I received a new escrow statement showing my monthly payment would increase by {$80.00}. Im on fixed income and asked why..they said my taxes would be higher. How did they know this? ..Im the taxpayer and wasnt aware of that. They told me to file for a Homrstead exemption which I did and have been approved. In XXXX I got an estimated tax bill and my taxes are less than last year so I sent that to the mortgage company. I have also lowered my homeowners insurance by a lot. I then got a new analysis and it showed my monthly payment would go up by {$210.00}. I called and they said because I was short in my escrow. I found out that they were sending in the wrong amount for taxes and that that check was sent back to them. They were adding into the total bill for my city taxes along with the TOTAL amount of my taxes. My total bill is estimated to be {$2300.00} ( {$660.00} is included in this amount for my city ). They are using {$2300.00} PLUS {$870.00} which was the city taxes last year. THIS IS WRONG. Ive asked again for someone to look over my account