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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 crime 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and must be signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and it is accurate and complete. thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax XXXX and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The items listed below are inaccurate Account Equifax XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Date XXXX XXXX XXXX XXXXXXXXAccount # XXXX*Date Opened : XXXX
Product: Mortgage

My Lender-SLS has been in the 'process ' of a the 5th short sale offered on my home within a year time. The problem is when the these last offers came in I requested CASH FOR KEYS XX/XX/XXXX and they told me to submit a utility bill and request. So I did. Then 2 months went by and we talked and they said they never rec 'd it. So I -emailed another request. 1 month goes by and they call me stating they only got XXXX page. So I do it again. another month goes by and I talk to them still they never rec 'd it. Well then I fax it again 3 weeks ago. I get a call from them. I ask if they got it. She says yes- However, that program ended in XXXX 2015 and we are not elligable. Im totally stunned - unprofessional. Why would I be led on and why would n't they offer anything else? 

Is their any other programs for relocation/transition assistance? I have searched on line. I am not XXXX XXXX or XXXX.
Product: Mortgage

I refinanced my home in XX/XX/2017 with Quicken loans. My ex-wife was on the previous mortgage and she was also the named insured. Part of the refinance was to remove my ex-wife, XXXX XXXX, from both the mortgage and the deed. During the process of closing, Quicken loans obtained a policy number from XXXX XXXX and paid the amount to XXXX XXXX that was due on the policy. The policy that Quicken loans paid was the old policy that XXXX XXXX was named on. XXXX XXXX had already released XXXX XXXX and when they received the money, they immediately sent it to XXXX as an overpayment. Quicken loans then discovered that they had paid the WRONG policy and sent out another payment for the right one. 
During the Escrow analysis in XX/XX/XXXX, Quicken loans determined that my escrow was short XXXX XXXX XXXX dollars and XXXX cents. Quicken then sent the escrow analysis to me in the mail giving me the option to pay it back over 12 months or one lump sum. I have no idea what the process of refinancing a house is which is why I had an attorney at closing. I did not receive, nor benefit from the money that XXXX XXXX received in error. I have made my mortgage payment on time, and have done everything I should do, and I do not feel that I should have to pay for someone else 's mistake. ( i.e. Quicken Loans, XXXX XXXX, or XXXX XXXX XXXX. )
Product: Checking or savings account

I am being denied access to my funds by Current bank. It says my account is under review for security reasons. I have contacted Current twice now and have been told I would receive an email about the issue. I have not received any emails as of yet. When you call customer service they refuse to give you any information or let you speak to the department that handles these issues.
Product: Credit reporting or other personal consumer reports

The account XXXX still appears as derogatory and in collection, but the account has been PAID. 

Account Number : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX hyundai finance cashed our check to payoff our vehicle. Included with the check was the odometer statement which the company claims they never received. They state they need the odometer statement to release our lien. We have faxed this statement 50 times since then. We have called them over 10 times ( which their prompt says is recorded? ) weekly.
Product: Credit card

I applied for and received this XXXX XXXX  card from Comenity on XX/XX/XXXX. I was able to make purchases on XX/XX/XXXX and XX/XX/XXXX. 

I have never received a card for this account. I called Comenity multiple times and have been told that a new card is on its way, only to receive letters each time stating that I can't be issued a card at this time. 

I was told as an alternate, I could enter my SSN, ZIP, and provide ID at XXXX XXXX XXXX XXXX to use my account. I recently tried this twice, and had the transaction declined : XX/XX/XXXX XXXX  XXXX, CO XX/XX/XXXX XXXX  XXXX, CO I called and was told on XX/XX/XXXX that this a a " cardless account '' - no card is issued for it. I tried to purchase with my SSN on XX/XX/XXXX at XXXX XXXX in XXXX, CO, and the transaction was declined. 

I again confirmed with Comenity on XX/XX/XXXX that this is a cardless account and that previous CSRs who told me they were sending a card were mistaken and giving me bad information. 

I then tried to use my SSN and ZIP and ID at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. 

I tried to use my SSN and ZIP at XXXX XXXX  in XXXX XXXX  on XX/XX/XXXX, and the charges were again declined. When I called Comenity, I was told that I could only make transactions if I had a card. 

Summary : Comenity has failed to send me a card for 16 months, has declined all my transactions despite being in good standing, and has given me directly contradictory information about whether I needed a card or not. Repeated escalation has not worked, and I have been humiliated at XXXX XXXX stores at least XXXX times in the past XXXX months.
Product: Mortgage

I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and Equifax XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Product: Checking or savings account

ive been waiting for my direct deposit to come in usually with Sofi I get my direct deposit four days earlier from my XXXX XXXX XXXX payday and also my state benefit is also missing {$87.00} sofi is been depositing my check late and this shouldnt be happening today XX/XX/year> i was supposed to get my money and my account still has negative balance {$40.00} and sofi has not released my funds to my account last month in XX/XX/year> i had the same problem and my check came in late instead of the 4 days business day early depositing
Product: Student loan

I pay my monthly balance, {$150.00}, to Aidvantage each month. The first few months of my payments in XXXX, XXXX, and XXXX of XXXX were made without problem. However, starting in XXXX of XXXX, I had a problem with my payment. I made my payment as normal and received email confirmation. Everything was fine to my knowledge. However, when I went to pay my statement in XX/XX/XXXX, I saw that I had a past due balance of {$150.00}. This did not make sense to me, as I had paid and received email confirmation. Upon further searching on the website, the payment history showed a " payment reversal. '' I never requested a payment reversal. Looking at my bank account history, there was never an attempt to charge me for that payment. I assumed it was a fluke, and paid for both months. However, I then got an email later in XXXX that alerted me that I was behind on my payments. The Aidvantage website showed payment reversals for those additional payments. My bank account is the same from when I initially made successful payments in XXXX, and my I have sufficient funds. Reaching out to Aidvantage is fruitless, as their online chat option is either unavailable or unable to solve the problem. Calling leads to one being on hold for over an hour. My online research has revealed that this is a problem for countless others. I do not want to accrue any additional interest or risk this impacting my credit.
Product: Checking or savings account

Chime closed my account XXXX my check for XXXX was accepted XXXX my account was closed with XXXX in the account- I called, emailed the company only to get lied to about the money in the account I have called and email this company multiple times to get my money back and they lied to me saying they was going to give it back within two weeks after two weeks was up I emailed them agian and they told me they was no longer going to give my money back
Product: Debt collection

On XX/XX/2023 I received via mail a Notice of Default and Demand for Payment from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I was in default of payment for a SBA loan that I never applied for. The bank issuing the loan is : XXXX XXXX Banking XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Mortgage

I paid all but my last payment with a mortgage with " Mr Cooper '' aka Nationstar. My XX/XX/XXXX payment I sent in the amount in the statement including principal and interest in the amount of {$600.00}. They sent back this XX/XX/XXXX payment. If you go online they state they need {$25.00} in order to provide a payoff amount. They said several times they would reverse the late charges. I can't tell what the payoff amount is and what is required to pay this off. They said they would reverse late charges several times. It was not done. They said they need payment in certified funds. I asked if that is in the loan agreement as I'll meet the terms of that agreement. Several reps said they don't know. 

The payment is now a month overdue, I've tried multiple times to pay, they said it has to be in the exact amount and in certified fund. I don't think that is in the agreement. I want to pay but they will send back any payment other than in certified funds. 

I recently paid off a mortgage with another bank and it was easy. I just paid with a regular bill paying service.
Product: Consumer Loan

I received in the mail today a 2016, XXXX from this company. On the XXXX they fraudulently identified this debt on Line XXXX as " XXXX '' when it should have been listed as " XXXX '' for Bankruptcy. This company is very aware of my Chapter XXXX bankruptcy discharged in XXXX 2016. They have received multiple correspondence of this bankruptcy since XXXX 2016. They intent is to deceive the IRS in order to write off this discharged debt that they know is not taxable by federal law. In addition, they have fraudulently notated this debt to the IRS so I can be held liable for this debt.
Product: Credit reporting or other personal consumer reports

The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX} State Employees Credit Union ( Auto ) - {$17000.00} State Employees Credit Union ( personal ) - {$2000.00} Aspire- {$1000.00}
Product: Credit card or prepaid card

I cancelled my credit card with Barclays via the phone on XX/XX/XXXX. The total balance due was {$36.00}. I sent a letter acknowledging that on XX/XX/XXXX along with a check for {$36.00}. Barclays never closed the account and never deposited the check. As a result of Barclays incompetence they have decided to ruin my credit. My XXXX score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I have copies of the letter to Barclays and they certainly have my phone calls recorded. 
I own a successful multi-million dollar company, am totally debt free and can/and do pay cash for my purchases. 
What Barclays is doing is wrong on every level. Ask them to pull the recordings of our conversation on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on Equifax data there is no explanation why they reduce my score, sooo low
Product: Credit reporting

I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.
Product: Mortgage

Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.
Product: Consumer Loan

My balance have not changed since 2012 ... never missed a payment until recently due to medical issues. I 'm currently on XXXX and trying to work with them. I have XXXX with XXXX and they threaten to get the car. My interest is too high and I 've been struggling to make payments. Is it legal to take money and no change in balance?
Product: Credit card

I had a dispute with a merchant closed by American Express recently and I called them today to ask them to reopen it. I explained that I purchased items that were very much not as described ( the material was so thin it was see through, the seams were misaligned, etc ) and according to the merchant 's website that I bought it from, they would provide shipping labels for all quality related issues. The woman from the dispute team I spoke to at American Express told me she couldn't reopen the claim as it went against the merchant 's policies. I asked her what she meant since the merchant 's website clearly stated they would cover shipping for quality issues but when I reached out to them they refused to and wasn't the purpose of American Express to protect their clients in these instances? She just kept repeating that she couldn't go against the merchants policies despite my telling her I HAD the merchant 's return policy open on my computer at that moment and it VERY clearly outlines they DO provide return shipping labels for quality issues. I then asked her if she was going to make the merchant uphold their own return policies and she again stated that she couldn't do anything. At this point, I'm reconsidering why we even have American Express if they're not going to protect us in situations like this. I don't know if the woman I spoke to from the dispute team was indicative of the broader employee base or is a unique anomaly but given that I spend roughly $ XXXX with American Express monthly between the cards I have with them, and have an issue MAYBE once a year, I expect them to handle it when I do. If they can't, I don't need to stay with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.