23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were down to the last few days of our home purchase process. We were coming up against the deadlines for my husband to have to start his job in the new city and for me to return to work for my existing job. Closing was originally scheduled for XX/XX/XXXX however we had been asking to close earlier. We were already here living in a hotel until we closed. We didnt think it would happen but on XX/XX/XXXX we got a call from the title company to schedule our closing for that afternoon. We got our funds wired over. Got to the closing appointment and signed all the documents. Then they said they had to confirm it funded and they would bring us the keys. We were there for 2.5 hours. Finally I get email notices of new conditions. They come in and tell us me we cant have the keys without making these conditions. We start working to get the required docs and I come to find out from a processor we have been working with that we were not clear to close. I have been trying to call my loan officer and no return calls. The company still has my deposit and closing cost money. Now I am hearing it might be 3 more days before we close. No calls from the company explaining what happened and why they sent us to closing if we were not ready. We are living in a hotel and need to start our jobs.
Product: Debt collection

I received a phone call from XXXX XXXX, a XXXX XXXX at XXXX Ext XXXX. She stated she was a debt collector on behalf of Capital One ( XXXX  ). She then explained I had an outstanding balance of over {$1000.00} from a credit card opened back in XXXX and payments had stopped in XXXX. XXXX XXXX further stated several attempts were made to collect and a charge off amount of {$800.00} was made through the bank. I am XXXX XXXX XXXX and afraid of scams. I requested proof of this debit and all she said was the card ended in XXXX, she gave me the last 4 of my social security number followed by an incorrect birthdate. I explained the birthdate was not correct and quite frankly do not recall a XXXX  from XXXX  years ago. I contacted Capital One who stated they do not have me in their system ever having a credit card through their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recognized hard inquiries on my credit card, which i did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer of credit. Hard inquiries by these companies on these dates was not authorized : *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  XX/XX/XXXX *XXXX XXXX XX/XX/XXXX*XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I kept my account up to date and I have a letter received from capitol one about my account and have over paid the minimum payment that they required and now that its time for capitol one to honor the letter of their agreement they refuse to issue me a new card and lift the restrictions that they offered.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRE INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : XXXX XXXX XXXX in the amount of {$2400.00}. 
Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX LATE PAYMENT I am demanding that this account be removed and I have never had an account with this company. I have never provided my details to this creditor. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, {$950.00} was taken from me through a XXXX party app called Paysend. I had gotten an email from XXXX and clicked it. I had entered in my card number to receive {$10.00} but instead, {$950.00} was taken from me from a scammer. This purchase was unauthorized and I talked to my bank the same day it happened. I talked to them an hour after I noticed what had happened. They had sent me a provisional payment about XXXX weeks later but on XX/XX/XXXX, I got a letter in the mail explaining that my provisional payment would be revoked due to documentation from Paysend. I have reached out to my bank in attempt to understand what documentation this would be because overall, this purchase was unauthorized. I also reported the incident on the same day and upon looking up some information, I found multiple sites stating that the most they would be able to take from me is {$50.00}. When I called the bank, I couldnt get ahold of the right person after being on hold for XXXX hours and transferred multiple times. I have screenshots of the incident which is my documentation that the purchase is unauthorized.
Product: Credit reporting

I requested in ( XXXX 2016 and XXXX 2016 ) to Equifax to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They never provided me with the information requested yet claim that the information was verified.
Product: Credit reporting or other personal consumer reports

When looking over my recent credit reports I came across an account XXXX XXXX XXXX XXXX XXXX} that I didn't recognize. I've disputed this account because i'm currently trying to purchase a vehicle and nothing has been sent back to me as far as debt validation or updated credit report. 
This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the removal of some fraudulent entries in my credit file. However, there are still entries remaining that need to be addressed. I am submitting to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
EXPERIAN : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Product: Debt collection

File : XXXX : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX, SC XXXX PH  : XXXX Date : XX/XX/XXXX XXXX  XXXX   XXXX  | Placed for Collections : XX/XX/XXXX XXXX XXXX XXXX | Responsiblity : Individual? 
XXXX IL XXXX | Placed for Collections XXXX {$130.00} XXXX XXXX | XXXX XXXX XXXXice Outpatient Paid XXXX | Paid On : XXXX XXXX XXXX Check # XXXX | ACCOUNT XXXX | Insurance : XXXX Attorney : ( Not retained yet XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The reason you have received this correspondence is in reference to the above stated matter.XXXXI had received a bill from XXXX XXXX and politely informed them that the matter was Occupational in nature and should be billed to the XXXX County Parks Department. In addition, I don ; t quite understand why this was billed as XXXX Office Outpatient New when I had been there before. That billing code does not seem to be consistent. 

The unpaid item was not my responsibility, it was a Employment Requirement- And you XXXX was told this on the day of service and afterwords via phone. 
None of my actual patient notes, visit records are available via XXXX ( XXXX  : XXXX ) so I can not contrast the billing verses the actual dates of service. 

The part that was not in dispute was paid in full : The Payment of {$97.00} was paid towards the visit XX/XX/XXXX with XXXX, XXXX XXXX at XXXX XXXX XXXX. That's paid in full. 

This is how you treat a XXXX  XXXX. 
To the best of my knowledge, I was required to have this test, as being a XXXX XXXX, and XXXX of first aid  in XXXX County Parks. As you may be aware the Parks   are currently closed so to further complicate the matter, being unemployed and seeking work, I now have this matter incorrectly being reported to my credit report. 

Defamation of Character : Your reporting this matter as if I am easy to let some obligation not be taken care of, multiple phone calls and letters were sent to XXXX. I have not received any letters from this collection agency. A matter of fact this matter is still showing as a bill on XXXX. 

I have screenshots of the patient account screens and from the way it looks to me, an average patient and customer, with average education, there is no reason for me to believe that the matter was not billed to third party. It clearly states that I owe no money to see this on my credit report, does upset me. ( SEE ATTACHED ) Using the current pandemic as an excuse for not picking up the phone is just pathetic, people are answering phones at home at some companies, I expect better from you. 

I further understand that when I called in the system states that I have 3 invoices for several hundred dollars, bills that I have never seen, bills that have never been mailed and bills that have not been placed on XXXX  Please mail bills to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Email to : XXXX or Fax to :
Product: Credit card

My name is XXXX XXXX XXXX. I opened a corporate business account with American Express in XXXX. At the same time I also opened a blue cash personal account with American Express. At the time that I opened the business account, Ii was asked for my tax id which was provided and also my personal information. I was told that the business credit card was going to be opened under my tax id and my company '' XXXX XXXX XXXX ''. I was approved for the business card and the personal. Everything was going great until unfortunately I got very ill and I had to close the business. I was having a hard time paying the business account on time but I was making on time payments on my personal account. I was never late on the personal account. Now every time I fall behind on the business account payments, they block both cards. I believe at this point I was misrepresented by American Express because they never told me that they would link my business and personal accounts together. I believe that the point of the tax id is to open business accounts and for my personal account to not deal with the consequences of what happens in the business account. If a consumer entered a contract or an agreement as a result of a fraudulent or negligent statement is to be considered misrepresentation. I believe I am protected under the misrepresentation act of XXXX.
Product: Credit reporting

First and foremost TransUnion is the worst credit bureau out of them all. I 've been trying to reach them since Monday, XX/XX/2016. Since I 've reported fraud on my consumer report they make it hard for me to speak with a live agent. On today Monday, XX/XX/2016. I tried 8 times for 2 hours to speak with someone everyone told me that I needed to speak with the Special Handling Team Supervisor. After each time being put on hold for 45-60 minutes just to get transferred to a voicemail where no one ever calls you back. I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting TransUnion I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the TransUnion representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the TransUnion rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions
Product: Mortgage

In XXXX of XXXX Selene Finance took over servicing my FHA loan from Guaranteed Rate. 

In XXXX, I put my home on the market and asked Selene Finance what their process was to have a new person assume the loan. 

Selene has told me 3 times, both by phone call and email that they do not originate loans and that there is no assumption process. 

It is my understanding that all FHA loans are assumable. Selene seems to be breaking the law here. I am sure if they have denied me this process they have denied others. 

I would like to : 1. Make a formal complaint against Selene Finance 2. Have someone contact Selene Finance on my behalf and get them to allow the assumption. 

Notes : XXXX XXXXXXXX XXXX I originally emailed Selene Finance to request their assumption process XXXX XXXX received a response attached below stating they have no process and refused to help XXXX XXXX Sent reply email stating they were in violation of law, because all FHA loans are assumable XX/XX/XXXX Followed up with a phone call with XXXX at XXXX XXXX. XXXX repeatedly told me there was no assumption process. I let her know that all FHA loans are assumable, that she was possibly breaking the law by denying my request, and asked to speak with her supervisor. She refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Product: Student loan

XXXX 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 XXXX, 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 XXXX 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 disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a XXXX XXXX XXXX, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX / XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.