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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft. I will list the fraudulent accounts along with the account numbers, XXXX XXXX opened on XXXX account number XXXX, XXXX opened XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened on XXXX account number XXXXXXXX XXXX XXXX XXXX on XXXX account number XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed and blocked from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I inquired about the ( XXXX ) .Modification program. Carrington Mortgage Services.LLC immediately stated I did not qualify according to Under Writing. Idid qualify for XXXX Year loan modification. I upon my request of forbearance during XXXX Carrington implied that I give specific reasons for the forbearance. An to qualify for extended forbearance more than 90 days, I had to go into the portal make another request. XXXX XXXX New modification XXXX year loan modification With improperly {$250.00} legal fees, {$280.00} interest over the term of the loan. when the current loan was supposedly in Extended forbearance status until XX/XX/scrub>XXXX XXXX, I strongly believe these are unfair and deceptive and abusive business practices. Why was I not given other options? Like repayment plan to bring my Mortgage current? via email ; to XXXX XXXX
Product: Mortgage

After paying off my home loan, I reached out to the lender to request that the original promissory note that I signed at closing be marked " PAID IN FULL '' and returned to me. The person I spoke to said that she had never heard of having to return the original note to the borrower. She insisted that a mortgage release would be filed with the county and that would suffice. 

Under Finance Code Sec. 342.454, a lender is required to cancel and return to the borrower any note and/or instrument that secured the loan, specifically the promissory note. Below is the text of the law : Finance Code Sec. 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT. Within a reasonable time after a loan is repaid in full or an open-end account is terminated according to the terms of the contract, a lender shall cancel and return to a borrower any instrument, including a note, assignment, security agreement, or mortgage that : ( 1 ) secured the loan ; and ( 2 ) does not secure another indebtedness of the borrower to the lender.

Unfortunately it has been my experience that it takes undue effort on the part of a borrower to convince a lender to return the original note. Once again, as I have in the past, I am enlisting the help of the CFPB to force the lender/servicer of my loan to return the original, wet-ink copy of the original promissory note I signed on XX/XX/2016. 

The CFPB has helped me with an identical issue with a former lender in the past ( CFPB case # XXXX ). In that case, CFPB referred my complaint to the Office of the Comptroller of the Currency, who in turn investigated my complaint and was able to force to lender to return the original promissory note to me. 

I am hoping the CFPB can do the same this time as well. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to XXXX proper investigations. Specifically, in a lawsuit filed against XXXX XXXX XXXX CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian/Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, l expect XXXX XXXX XXXX this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX XXXX XXXX comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Student loan

I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.
Product: Credit card or prepaid card

Our credit card expires in XX/XX/2020. We called before the end of the month inquiring about replacements. Was told some was being sent. 2nd follow up call yielded no further information and the 3rd call said our account restriction and no reasons given. We have paid on time to Capital One monthly. Full explanation of reason is warranted.
Product: Credit card or prepaid card

As a response to a bounced payment, the TD based company in charge of the XXXXXXXX XXXX XXXXXXXX store credit card chose to reduce the credit card limit to a number intentionally below the balance on the account so as to maliciously and immediately cause severe, excessive damage to customer 's credit score. Theu reduced a limit by 87 % ( XXXX to XXXX ) to INTENTIONALLY cause damages to a person 's credit score, making it more difficult to do anything in life. Effectively a form of defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy. 
15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was gifted a XXXX XXXX XXXX XXXX with a value of {$250.00}. The card has never been opened or used. The card can not be used and Im being told the money is not on said card. 
Ive contacted the company twice now & after HOURS of holding, run around & having to send in ridiculous information, a case has been opened. 
I was originally told up to 21 days and now being told XXXX. They admitted they could see the card had not been used and there were no transactions made yet. 
After a quick XXXX XXXX XXXX XXXX post regarding the situation, its obvious this company makes a continuous habit of whatever scam they are pulling. They need to be throughly investigated and shouldnt be able to keep doing this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for My Fico credit score monitoring with Free Daily Alerts. It appears, that XXXX, Trans Union and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XX/XX/XXXX of each month. Verified with XXXX XXXX. Why is XXXX, Trans Union and XXXX reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because XXXX, Trans Union and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by MyFico where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX  that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to  this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!
Product: Checking or savings account

HSBC locked me out of my online banking in XXXX. 

This happened following fraudulent transactions on my credit card, NOT THE CHECKING ACCOUNT. 

HSBC retaliated and closed my current account. HSBC ignores the situation. A complaint was submitted to the OCC.

OCC contacted HSBC, finally OCC decided that they were no longer competent to handle this matter and wrote that it should be handled by you.

I have hired a lawyer who wrote to both OCC and HSBC. HSBC DID NOT answer my lawyer.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I wrote to XXXX, XXXX and Experian to dispute inaccurate information on my credit report. XXXX, XXXX and Experian failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

In accordance to the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX These companies has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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.C.S 1681 ( c ) ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.C.S 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX
Product: Student loan

I applied to be on the SAVE plan for my federal student loans. I was placed on the SAVE plan and then shortly thereafter, we were all put into forbearance and told that no interest would accrue while we were placed into forbearance due to legal matters being taken to the supreme court. Today I got a notice saying that interest was accruing. MOHELA has no right to do this when the Dept of Ed said no interest would accrue.
Product: Mortgage

Hello- I am trying to catch up on my mortgage payments. TruHome Solutions are refusing to let me pay my XXXX XXXX. I told them that I could make that payment today and make the XXXX payment once I talked to my insurance company about the increase in my escrow account. 

They told me they would only take a payment if it was 2 payments even if that meant me falling behind even more. I asked several time over the phone to please let me make a payment and he refused. I started recording the conversation after we got into an argument over him refusing to let me make my XXXX payment. Allowing me to make this payment will bring me more current. I will make the XXXX payment this week once I speak to the insurance company. Making these payments will prevent me from going into foreclosure. 

I expressed all of this to XXXX XXXX and I have a recording of the end of the conversation with him refusing to let me make the payment. The recording is being attached to this email. 

Here is the contact information below : XXXX XXXX Loss Mitigation XXXX XXXX TruHome Solutions , LLC XXXX : XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Id like to file a complaint regarding an issue with Zelle transactions through XXXX XXXX. I noticed that when I sent money, there was no final confirmation step to verify the recipient before the transfer was completed. Because of this, several unintended transactions went through automatically, and I lost about {$5000.00}. I contacted my bank, but they havent resolved the issue. Im requesting the CFPB to look into this and push for better safeguards to prevent others from facing the same problem. Let me know if you need more details. Thanks.
Product: Debt collection

I want to dispute the debt because this is not my debt. Saying I have pay pal debt {$390.00} date of XX/XX/year>. Debt was delivered to wrong address which was my address it was delivered to
Product: Mortgage

In XX/XX/XXXX I entered forbearance on my current mortgage at the time I was behind and in order to enter the forbearance period I needed to be current, I brought my account up to current and entered into forbearance. In order for it not to reflect poorly on my credit, this covered me from XXXX till XX/XX/XXXX I noticed my account has been noted as 60 days plus delinquent so I called Loancare, disputed it and they had fixed it all the way up till XX/XX/XXXX It was reported as Current XXXX XXXX is reported as delinquent as well as XXXX XXXX XXXX XXXX and XX/XX/XXXX. In XXXX I extended my forbearance period & then last month I had made a modify to my loan in order to get a new rate and so as of now I dont have a payment due until XX/XX/XXXX, that being said I called to see why its reported delinquent they tell me its because my payment back in XX/XX/XXXX which is mind you when I went into my forbearance period that they cleared me for, was returned by my bank. My bank statements does not reflect that and they have never told me in the many of times I called that this was the case so that I could have a chance to fix the error and have my credit reported to as current, I have numerous hours on phone calls, Ive reported it, Ive disputed it, Ive contacted everyone, Ive done everything in my means and a year and a half later they tell me this is the case after theyve already reported all this negative to mine and my co loaners credit reports, this is so damaging. I need this fixed ASAP I dont know what else to do