23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with US Bank and my wife and applied for a mortgage assistance plan since we experienced a financial harship due to COVID. The bank placed us on a trial plan where we needed to make three payments to them to show that we could be reliable. We made all three payments and when I called and made the third payment on XX/XX/XXXX they stated that they would be sending out final paperwork for my wife and I to sign and return to them. The representative did not mention anything about a pending additional request for information. I frequently logged on to our account online to check the online portal for the final documents as well as checking my mail every day. After not receiving anything from the bank I called on XX/XX/XXXX to find out if they had sent the documents. I was informed our application had been terminated due to requested documents not being returned. After spending an hour and a half on the phone speaking with three representatives and a Manger I found out it was a request about our HOA that I had not received in the mail or through the online document portal that had caused our application to be terminated and not the final paperwork. I begged and pleaded that they reopen the request and please let me know what information they needed and I would get it to them as soon as possible but they said they could not help me and that I would have to reapply and start the entire stressful process over again.
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

I do not have access to my deposit that cleared XXXX, XX/XX/2025. I have yet to receive my money.
Product: Credit reporting or other personal consumer reports

I'm trying to XXXX or access my XXXX and I'm being denied because the XXXX XXXX has XXXX XXXX loans I have for a XXXX XXXX listed under XXXX or XXXX XXXX loans. They company says they do not have XXXX on my XXXX yet that's how it looks. It also looks like my XXXX was late but I have never been late on my XXXX I was late on XXXX loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the XXXX XXXX and specifically this error is affecting my chances. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX,2021 do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) 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 I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX,2021. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Product: Credit card

On XX/XX/XXXX via chat with a Citi Card agent I requested a replacement card and was told it would be mailed and should be received in 4-7 business days. When I looked again at my account it showed the account was closed. I never requested for my account to be closed! I reached out to Citi Card via phone on XX/XX/XXXX and spoke to an agent who told me that the account was closed because I had requested it on XX/XX/XXXX. I NEVER REQUESTED FOR MY ACCOUNT TO BE CLOSED. I explained to the phone agent that I never requested account closure and was expecting a replacement card. They informed me that they could request for the account to be reopened but it probably would not be able to be reopened. My account balance was {$0.00} so I informed the phone agent that I wanted to file a complaint and that I would not be requesting a reopen if there was slim to no chance that it would be restored.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several inquiries on my report to be false and inaccurate.

Under 15 U.S. Code 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall .... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately. Pursuant to the ( FCRA ) and 15usc 1681. 

PERSONAL INFORMATION : 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, credit repair services, or other personal consumer reports

There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.
Product: Credit reporting or other personal consumer reports

A collection from XXXX XXXX XXXX on behalf of XXXX at XXXX XXXX I was added to my credit report without prior notice. I moved out in XXXX but was charged for both XXXX and XXXX, which the property management admitted was incorrect. Despite acknowledging the errors, they still sent the account to collections without allowing me the opportunity to resolve it. 

I was never notified before this collection was reported, and I was unable to access my resident portal to review or pay the balance. I disputed this charge with XXXX XXXX XXXX, but they have not provided proper validation of the debt, nor have they proven that I was contacted before reporting the account. 

This situation has negatively impacted my credit. I request that this collection be removed from my credit report due to incorrect reporting and failure to provide proper notification before the account was sent to collections.
Product: Credit card or prepaid card

On or around XX/XX/2023 following a telephone call to a phone support specialist, I did fax over the requested documents with respect to my identity as requested. Specially, I advised the account team that my name on the account was incorrect and that such has lead to issues with fraud in the past. Therefore, the documents presented clearly illustrated my identity and as a financial institution the Money Network was/is required to have my true identity reflected on the account and in my name. After faxing over the requested documents, the money network falsely alleged that the documents were never received. Moreover, I have had several identity/fraud alerts since submitting the documents to the Money Network XXXX Based on these facts, Money Network has likely engaged in some type of fraud/identity theft scheme the aim of which is unjust enrichment and/or theft of assets.
Product: Debt collection

This company called my cellphone 3 times between XXXX and XXXX this morning XX/XX/2023. My phone is set to do not disturb so calls do not ring through during a specified unless they are repeat calls. In this case, with the repeated calls I'm being harassed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Additionally, I am referencing the CFPB 's recent enforcement action, CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, as further evidence of Equifax 's pattern of inadequate compliance and improper investigations. I sent multiple dispute letters to Equifax requesting corrections and investigations regarding inaccuracies on my credit report. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 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. 

Despite my efforts, Equifax failed to : 1. Conduct reasonable investigations ( 15 USC 1681i ( 5 ) ).

2. Accurately report and maintain consumer credit information ( 15 USC 1681e ( b ) ).

3. Ensure proper handling of information furnished by creditors ( 15 USC 1681s-2 ).

4. Remove obsolete information as required ( 15 USC 1681c ( c ) ). 
The CFPB recently ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. This enforcement action supports my claim that Equifax has engaged in a pattern of non-compliance and negligence when handling consumer disputes. 

Due to Equifaxs failure to address these issues, I have experienced the following : Denial of credit. 
Higher interest rates on loans and credit cards. 
Emotional distress caused by the inability to resolve inaccuracies on my credit report. 

I request the CFPB to : 1. Investigate Equifaxs handling of my dispute letters.

2. Ensure Equifax complies with all applicable provisions of the FCRA.

3. Provide remedies for the harm caused by Equifaxs non-compliance.

4. impose penalties, if necessary, to prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( XXXX, Transunion, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect.

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report, despite my repeated attempts to resolve this issue. I previously requested a re-investigation, but these agencies closed my last complaint without addressing the ongoing inaccuracies, which are still present on my credit report. 

This situation violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i : The credit bureaus failed to conduct a proper re-investigation of the disputed information, leaving erroneous data on my credit report.

FCRA Section 1681e ( b ) : The agencies have not ensured that the information on my credit report is accurate and complete. The inaccurate data still remains, suggesting that reasonable procedures to verify the information were not followed. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without adequate investigation or meaningful action, violating the legal requirement for proper dispute resolution and follow-up.

Despite my multiple attempts to resolve this, the inaccuracies persist. I demand that XXXX, XXXX, and Equifax comply with the FCRA by promptly correcting my credit report and conducting a thorough re-investigation of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Mortgage

On XX/XX/2024, at approximately XXXX hours, I was looking for a calculator device online to calculate a second mortgage. This resulted in asking questions regarding my name and address along with my phone number. Within a few seconds my phone began blowing up from all these lenders. 
XXXX XXXX was Mutual of Omaha. The person whose name is XXXX telephone number XXXX asked me what I was looking for and I specifically stated, I am looking for a loan of XXXX equity line of credit to pay off existing loans and to do some work on my home. 
XXXX stated he needed to run my credit and I asked him if that would affect my credit score and he said it would. XXXX knew and understood that I wanted a line of equity credit or 2nd mortgage. 
At approximately XXXX hours, XXXX called me back and stated he could save mew XXXX per month. He then begins to describe a refinance of my current home loan. I told him he specifically knew and understood that I wanted an equity line of credit, that I was not looking to refinance my home at which time he responded, what is your current mortgage rate? I told him it was XXXX percent. He continued to advise me about refinancing. 
I informed him he unlawfully ran my credit score intentionally knowing I was looking for an equity line of credit. He caused my credit score to be affected by running a credit check knowing I wanted a line of credit and not finance. He then stated he could not help me after advertising that he could. 
This behavior proximately caused harm to my credit score. This needs to be taken off of my credit score. 

Thank you in advance, XXXX XXXX
Product: Debt collection

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Not my account tried getting account removed still remain on credit report .
Product: Credit reporting, credit repair services, or other personal consumer reports

United Revenue Corp is reporting duplicate accounts on my credit report ... This is severely impacting my credit. My FCRA rights have already been violated at this point. I attempted to reach out to them to fix this issue but to no avail so far. It has now been almost 60 days with no updates or notification that an investigation has taken place. I demanded to see verifiable proof ( an original Consumer Contract with my Signature on it ) this company has on file and never got any response and on top of everything else they are reporting duplicate accounts on my profile. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.