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

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Checking or savings account

All paid delivery payments were updated a month later and/or charged twice. 

XX/XX/23 ( Delivery XX/XX/23 ) {$12.00} XXXX ( XX/XX/23 ) Went from {$11.00} to {$20.00} XX/XX/23 ( XX/XX/23 ) On XXXX charged {$67.00} to {$72.00} I contacted XXXX and Cash App and no resolution was received.
Product: Credit card or prepaid card

I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit inquiries were done fraudulently and were never authorized by me. I unlock my Credit to have my employer do a background check only. I would like for these to be removed. 

There is also a telephone number on file for creditors to reach out to me incase credit is being applied for in my name and no one called me to verify. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Equifax about one ( 1 ) account on my credit report ( XXXX XXXX  XXXX ). I have asked Equifax As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Equifax signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Equifax signed the receipt. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Equifax keeps reporting that account ( XXXX XXXX XXXXXXXX ) to my credit report. I would like to notify you that the account has been removed on my XXXX and XXXX credit report. Why can't Equifax do the same? Does XXXX XXXX XXXXXXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that account from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to Equifax. Please CFPB help me fix this issue. Equifax is getting money from big companies such as XXXX XXXX  XXXX to keep information of people credit report no matter what and that is a shame!
Product: Mortgage

I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to inspection issues was repeated to me on a recorded line. 

Our inspection took place a few days later and it turned up major issues such as a bad roof on the house and detached garage, high radon levels, old galvanized plumbing, water damage, and possible foundation issues. After a few days of negotiating with the sellers, we walked away from the deal because we were not able to come to a resolution. I called the bank to cancel the loan. I spoke with the loan officer about the need to cancel. He said to email him the inspection report and that everything will be taken care of. He also said that we should call him back when we found another home. I emailed the report as he requested and thought everything would be cleared up. 

A week later I saw a {$450.00} charge on my credit card by the bank. I called the loan officer back and he said he would escalate the issue to management. I emailed him another copy of the inspection as he requested and waited for the charge to be refunded. However, after 10 days no refund showed up. I called the loan officer back and left a voicemail. After a couple days of no response, I called the bank 's general number and requested to be transferred to a manager. I was finally able to speak to a manager who said he would look into things and would try to get the charge removed. He also stated that he would call me back the next day. However, I did not hear back from him, and still have not heard from him at all 1 week later. 

I called the loan officer again after not hearing from the manager. I managed to reach the loan officer. He said he thought it was taken care of and was surprised that the charge was n't cleared up. He said he would have his manager call me back within the hour. No one ever called. 

I emailed my loan officer again today with no response. So I am now filing a complaint to get this issue resolved.
Product: Credit reporting

I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. 
On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. 
If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW
Product: Credit card

Received marketing email approximately XX/XX/2023 that stated if I share a link with my friends and family, and they get approved through this link, I obtain XXXX bonus points. My mother-in-law used this link, was approved, used the card, and has already received her bonus points. I called on this multiple times and the requirements kept changing ( must use car, must be billed, etc. ). I closed my account on XX/XX/2023 because they kept saying they were going to escalate this issue ( three separate calls ) but the marketing department never followed up on the misleading advertisement and provided the XXXX points earned.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims. XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts and inquiries in question are as follows : Inquires : 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 Amount : {$2400.00} I have submitted disputes for these accounts and inquiries and proved the information is inaccurate or unverifiable ( started in XXXX of XXXX ). I have mailed letters and disputed online. However, XXXX has failed to verify the information properly. 


This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approval for credit, loans, housing, etc.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$570.00} DEPTEDXXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX Balance Owed : {$8500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3700.00}
Product: Vehicle loan or lease

Reference CFPB Case No : XXXX The Complaint was never answered within the 30 days to your agency, they failed to comply because they knew they had commited all the violations as claimed and proved by me consumer XXXX XXXX, I don't know what to do do since I am a senior citizen and XXXX XXXX XXXX veteran, can you help me attached is the original complaint, FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7.,  Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act. If the contract includes a finance charge which is  determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older. ( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities. ( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for First Investors Financial Services, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by First Investors Financial Services and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, XXXX  and Equifax are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. XXXX  claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.
Product: Debt collection

On XX/XX/2019 I notice a huge discrepancy in my XXXX account. An unauthorized transaction in the amount of {$2600.00} was taken from my account from XXXX. XXXX jacked up the price of the amount owed, this is not right. On top of that after they took the money from my account XXXX sent me another letter charging me late fees on a account that has been closed since XX/XX/2019. I contacted the bank to dispute this charge and also filed a CFPB complaint for the bank that's still pending. XXXX has been in contact with XXXX in regards to this transaction and refuse to refund my money/differential. I received a letter dated XX/XX/2019 from a IC Systems collection agency informing me that the XXXX account # XXXX in the amount of {$2600.00} was turned over to them. On a letter dated XX/XX/2019 I received yet another letter from the same collection agency offering me a settlement on this XXXX account for {$1800.00} I still though that was to high, but I was ready to accept the offered amount and move on. Also please note the collection letters have different amounts owed.
Product: Mortgage

Newrez mortgage company violated federal law 1024.37 ( c ) ( 1 ) ( i ) by sending me a notice of forced insurance on my home. The first notice violated 1024.37 ( c ) ( 1 ) ( i ) because they informed me that they were purchasing insurance inside of the required forty-five days notice from the date coverage ended due to being dropped by my insurance company. My coverage ended XXXX/XXXX/22, they sent the first notice of purchasing forced insurance on XXXX/XXXX/22. They received my new information info on XXXX/XXXX/22, the date they also cancelled the forced insurance. There was no reason to charge me for insurance they chose to purchase.
Product: Credit reporting

regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data.
Product: Mortgage

fay services XXXX XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX this is not my first complaing to this company, its getting a tradition that almost every year in two years that my account have been sold to this bank. 
this time again are trying me to pay extra money in my scrow, every year they make and excuses to raise the amount in my payment. i tring to keep it low thats why i choose to pay my insurance my self. this complaing is about an amount {$2500.00} they are trying to spreed in my scrow payment i stay in line more that hour waiting for and answear about the raise in my new payment for this years evidently they have incorrect information in their sistem, they told about my last XXXX payment was about {$920.00} wich is wrong and them after waiting and waiting ad not having a good answear the lady said she cant not give my and answear because she didnt understand either what was happening with my acount. after being in hold several mtime the best answear she gave me is we are short in {$2500.00} they dont find a reasonable answear to tell me why so i ask for scrow analisys wich i am still waiting. but the laidy wich was very nice told me that even with the scrow analisis i will stay pay that money. 
sometimes with other bank we are short because tax raise every year and or we pay the difference in the scrow of before the new payment .the amout never came at {$2500.00} even do my tax raise this year the difference were only {$130.00} from 2022 i understand that they need to have litle more in my scrow account wich and sometimes the other back take XXXX or more from my paymet but never XXXX for me is another abuse from this bank they know ecomy is bad and trying to get money from people is wrong they put in risk peoples home. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Accounts to remove : XXXX XXXX - # XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX - {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$50000.00} Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had been advised I needed to lift a credit freeze with Experian. I do not deal with that much ( do not have a full membership ), but when I tried to access their system, I was frozen out ... all attempts to confirm my user name or password were rejected even after I provided long-known and established with Experian personal information, including SSN, DOB, address, etc. When I tried to reach  their customer service, after AGAIN providing this information ( unchanged in over 20 years ), no matter what number I called, I only got into a loop of automated response choice. NO WAY to talk to a human. 

I even had a concern as one attempt to verify my user name came up with an incorrect phone number ... one I have never had. And EVERY attempt to have them preliminarily identify me using SSN and zip code and address resulted in " sorry, not enough information. When I then followed their advice to enter a previous credit report number, when I did so using 2 different ones, again, I got " nothing found ''.