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

On XX/XX/2023, I called XXXX to follow up on an existing dispute to have a bankruptcy removed from my credit file. This may be my XXXX complaint to expediate the process. Upon awaiting results of this outcome to apply for funding ; so that, I do not receive a high interest from my application. As well as contacting LexisNexis about this situation. LexisNexis buys information from databases, and executes without a individual 's consent. Our court systems do not report this type of information to credit reporting bureaus. This was processed without my consent ; in which, it should not have placed on my credit report. As quick as it took to make it effective - I expect the same result in removing the information. Specialists are informing me over the phone that it remains on the file for 10 years. No, that is for someone who is not familiar with the laws involving FCRA, FTC, US Codes, and more. Now we have entered in violating my privacy right ( s ).
Product: Credit reporting or other personal consumer reports

I had a failure to comply judgement on my record that was immediately cancelled but still is on my reporting agencies for employment. I have my driving record from the state for proof that it is not in effect and was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX XXXX  credit card was fraudulently opened in my name years ago. I have called the credit card company for years trying to resolve this issue. They ignore me and tell me that I am responsible for the card. It shows on my credit report that payments are being made on the card, however, when I call XXXX XXXXXXXX XXXX, they advise me that the account was never used and it is closed. How can this be if its being reported on my credit that payments are being made monthly. I have reported this to all the credit Bureaus and nothing has been done.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming direct deposits. Capital one has cited technical Issues, which may violated the electronic funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

on XX/XX/XXXX I got a letter telling me they sold my load to XXXX XXXX. I am trying to find out what going on and only thing they telling me that they just getting out the mortgage business. So I call around and find out that they are in a lawsuit. Well Fargo Owes Customers more than {$2.00} Billion. I did not know that Well Fargo entered into an agreement with the CFPB just before XXXX of XXXX. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to the victims relief fund as part of the civil penalty. 

I feel I am part of this because for years I been asking question about why my mortgage yearly keep going up {$100.00} plus a year for more than XXXX years. 

Still no one have giving me an answer on why it more what I was told. 

I've been with Well Fargo for over 10-15 years and Now seeing paper work telling me they modifying my mortgage and changing my rate from a fixed to a adjustable rate. Never let me know or inform me of that...
Product: Debt or credit management

TransUnion XXXX XXXX has error showing on Credit file regarding company called ( XXXX XXXX XXXX ) company is reporting inaccurate information in my credit report the company is reporting to credit bureau I'm behind for the months XXXX, XXXX XXXX XX/XX/year> I'm never late nor behind these recipts Is proof payments. Is made on time in full payments on time
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Experian 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, XXXX '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. 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation. these are the account that are mark as inaccurate. 
1 XXXX XXXX XX/XX/XXXXXX/XX/XXXX 2 )XX/XX/XXXX XXXX XXXX 3 ) XX/XX/XXXXXXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXXXX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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
Product: Mortgage

I began the process of trying to assume my loan on XX/XX/XXXXXXXX  with Amerihome Mortgage company. After I received the documents, I immediately sent them out via faxed, emailed and sent USPS with BOTH of our signatures on the documents. My ex was willing to sign the house over. XX/XX/XXXXXXXX  was the first time I sent these documents. I received an email on XX/XX/XXXX that was an auto response. The company then sent me 10 more copies of the same documents after repeated requests to verify that they had received the ones I had sent. After many phone calls, I finally received the disclosures on XX/XX/XXXXXXXX  from the company. After many attempts to contact the company via phone, it took me filing a complaint to get someone from the office to call me after several attempts to contact the company. People promised a call back and I would wait and no one ever called. I filled out the documents promptly and returned them. After several attempts to get in touch with someone to verify if my package had been received. No one called me back, or emailed. I filed a complaint in XXXX. I finally was contacted by XXXX XXXX in the office of Amerihome in XXXX, who I then spoke to upwards of 40 times between XXXX and XXXX. My loan was transferred to XXXX XXXX XXXX XXXX after I had been approved by the VA and denied by Ameri Home. XXXX XXXX XXXX XXXX took three business days to send me the documents. My ex is now refusing to sign the documents and wants equity out of the home because he is now broke. I am facing large court fees now to get him to sign because the loan was supposed to be in my name by XX/XX/XXXX. Because Ameri Home was negligent and dragged their feet, I am now looking at having to move my XXXX kids and be kicked out of my house. I have asked Ameri Home to outline the timeline of the calls, emails and many correspondences we have had over the course of the past 11 months. For some reason they are unable to do that. I need to be in court XX/XX/XXXX to try and get the house in my name.
Product: Credit card or prepaid card

I have not been able to view any of my transactions since XXXX. Now I can not even view monthly statements. I have no way of verifying if the purchases or amounts are accurate when paying my bill. The only method Apple allows for viewing transactions is on an Apple device, but none of my devices will show my transactions. I have several open cases with Apple to try to get this fixed, but they have not fixed it in almost 4 months and have become unresponsive when I call about the case numbers. I should not be expected to pay a statement I can not view or for transactions I can not verify. Apple needs to fix this problem ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Full First name is XXXX XXXXXXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from XXXX when I first looked at it showed me my name as 15 names. The same name is shown on the XXXX report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX  bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request toXXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX  XXXX  and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Mortgage

As a single mother of XXXX children, over the past 15 years, I have maintained to the best of my ability and income to keep my mortgage current. When my child support ended per our agreement, I experienced other hardships and I began losing hours and overtime pay at work, it became more difficult to keep current. Over the last couple of years my mortgage has been with Chase. I contacted them and requested assistance and to modify my loan payment to bi monthly to make it easier. They refused and when I submitted my documents for modification they only reduced my payment by {$40.00}. I also asked to have the PMI removed and again they refused. Now they sold my mortgage to XXXX and this company is immediately instituting the foreclosure process after I told them the house has been on the market for a year and I am willing to do a short sale.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information being reported by SPRINGOAKCAP regarding two accounts that are currently listed on my credit report. The account numbers are as follows : XXXX and XXXX. I am informing you that I have never had any agreement with SPRINGOAKCAP nor do I recognize any of these accounts. I have already requested debt validation from SPRINGOAKCAP regarding these accounts, but to date, I have not received any verification of the debts as required by law which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, these accounts are not being reported in accordance with the regulations stipulated by the FCRA and FDCPA. I demand that these accounts be deleted from my credit report immediately. I would also like SPRINGOAKCAP to reference the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information and adhere to FCRA guidelines. Please address this dispute promptly and notify me of the actions taken. I expect these accounts to be removed from my credit report without further delay.
Product: Credit reporting

Information on address lists a business - XXXX - XXXX XXXX which is not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus
Product: Credit card or prepaid card

I received a notice that my credit card limit had been decreased although Ive been making payments every month that ARE MORE than the minimum payment. 

They claimed it was because I have something on my credit that is delinquent. The issue is I cant see what the account is thats reporting delinquent. Im in the process of trying to figure out what the account is. 

I did not ask for this decrease and its is unfair when I have paid back this card every month. 

Yet when I asked for an increase before this Ive always been denied. 

I also thought that during Covid-19 companies were not altering credit profiles? 

How can I have them restore my credit limit