23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had an interest-only mortgage with Wells Fargo for 10 years. We always paid on time. When the 10 year term of the loan came close to ending, we tried to refinance the mortgage, since the on option Wells Fargo gave us was an interest and principal loan amortized for 30 years. The payments were too high, so we tried to negotiate a 30 year term loan. WF gave us a run-around, kept denying us after numerous attempts, even though our income/debt ratio was in line for their refinance consideration. Eventually, I was forced to file a Chapter XXXX bankruptcy to stall their foreclosure proceedings and we eventually had to sell our home below its value. They were horrible to work with, and forced us out of the home we planned to keep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.
Product: Credit reporting or other personal consumer reports

An hard inquiry showed up on my credit report on XX/XX/year> from Institution Information : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I call and spoke with three different representatives, one of which their name is XXXXXXXX XXXX XXXX XXXX, and they all told me that none of my information such as SS #, XXXX or name was in their system under an application or credit card. They all assured me that that company did not run any credit report for me. Then I reach out to all three credit bureaus, TransUnion, XXXX XXXX XXXX and they all told me that I needed an Inquiry Deletion Letter from XXXX to get it removed from my credit report. Upon reaching out to XXXX to retrieve this letter the company informed me that since they did not run my credit or had my information in their system they could not provide this letter to me. I went back and forth with the credit bureaus and got nothing accomplished. They all are requesting this letter, which I can not obtain. Plus no one is giving me an explanation on how and why this is on my credit report.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> 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

Applied for XXXX XXXX unfreeze my TransUnion credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and XXXX XXXX card application can not verify my identity but will place inquiries on my credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I discovered fraudulent accounts and inquiries opened in my name. 

The following Inquiries were not done by me. 

XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX The following accounts were not done by me. 

XXXX XXXX, XXXX account number XXXX {$310.00} XXXX Account number XXXX {$360.00} XXXX XXXX Account number XXXX {$710.00} XXXX XXXX Account number XXXX {$81.00} XXXX XXXX  Account number XXXX {$380.00} XXXX Account number XXXX {$20000.00} {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act XXXX  Accounts : XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX  XXXX opened on XX/XX/XXXX for {$25.00} XXXX  XXXX  XXXX opened on XX/XX/XXXX for $ XXXX  XXXX  XXXX  XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XXXXXX/XX/XXXX for XXXX Dept of EducationXXXX opened on XX/XX/XXXX for {$8200.00} Dept of EducationXXXX opened XXXX XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of ED/XXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX opened on XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted requests to all three credit unions ( Equifax, XXXX, and XXXX and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXXXXXX that should not be on my credit report.
Product: Mortgage

I purchase a home I only been here for 5 months and my mortgage company Amerihome keeps increasing my mortgage Im struggling to pay I dont understand my taxes nor have my insurance increased why is my mortgage steadily increasing? They have enough to pay principal and interest and my taxes what is happening This will cost me to lose my home Please help me my name is my mortgage company is Amerihome my loan rate is locked not adjustable!
Product: Checking or savings account

Subject : Complaint Regarding Fraudulent Charges and Navy Federal Credit Union 's Handling of Fraud Claim I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding their handling of a fraud claim involving unauthorized transactions on my debit card, as well as a breach of their stated policies. 

Incident Details : On XX/XX/year>, I reported unauthorized transactions totaling {$900.00} on my NFCU debit card. These transactions occurred at five different establishments in XXXX XXXX, CA. I filed a police report with the XXXX XXXX Police Department ( XXXX ) Financial Crimes Division, provided all relevant information to NFCU, and deactivated my card to prevent further fraudulent activity. 

Despite the evidence I provided, including surveillance photographs from establishments showing an unknown individual using my card, NFCU denied my fraud claim on the grounds that " no error has occurred. '' The bank 's investigation lasted only 2 days, during which I believe a thorough investigation was not conducted. This decision is inconsistent with NFCU 's Zero Liability Policy, which ensures that customers are not held liable for unauthorized transactions. 

Denial of Documentation : In the emails I received notifying me that the provisional credits would be reversed, NFCU included a statement that I " have the right to request documentation used in the decision of this claim. '' I exercised this right by requesting the documentation via phone calls and through NFCU 's messaging center, but my requests were denied. I believe NFCU 's refusal to provide this documentation may be in violation of the Electronic Fund Transfer Act ( EFTA ). This is a clear breach of NFCU 's own policy, which further undermines the credibility of their investigation process. 

Current Situation : Despite the evidence I have provided and NFCU 's failure to comply with their own policy regarding documentation, NFCU has denied my claims and has not provided any transparency regarding their investigation. I am concerned that NFCU is prematurely closing this case without properly considering the evidence or allowing the XXXX to conclude their investigation.
Product: Debt collection

I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/ not late. And they want update my information.
Product: Checking or savings account

I opened an account at Citi Bank in XXXX, NY on XX/XX/XXXX and deposited {$670000.00} in the account with a promotion of {$1000.00} provided you leave at least {$200000.00} for 3 months. It has been over 6 months and I still have not received it. I have called numerous times and each time they told me to wait a little longer it should be in next months statement. I did what I was supposed to, to receive the promotion and have waited to long.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am reaching out to share my concerns about how Zelle handles disputes, especially given the recent CFPB lawsuit that highlighted major problems with the platform. Although Ive used Zelle numerous times and reported issues with transactions, neither Zelle nor my financial institution conducted a thorough investigation of my claims. I was told that recovering my lost funds and tracking the transactions wasnt possible. According to the CFPBs findings, Zelle has failed to protect its users and has allowed repeat offenders to abuse the system, putting consumers at risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about user safety.
Product: Mortgage

I went online to look at my mortgage this month XX/XX/2023, and saw an increase in my mortgage from {$950.00} to {$1300.00} and an increase of {$390.00}. There was no letter sent out to me. Neither did I receive a phone call or an email. I received nothing whatsoever in the months before seeing this increase online. The only way that I found out about it was when I went into my portal at Movement Mortgage. 

I then reached out to the servicing department at Movement Mortgage about this issue and I was informed by A servicing representative, by the name of XXXX, that the servicing department had failed to do an analysis of my escrow for two years. And as a result of that, there was a shortage in my escrow of {$2800.00} which I was responsible for paying as a result of their error in calculating my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on XXXX, XXXX, and Equifax Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, XXXX, Equifax, and XXXX have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

XXXX, Equifax, XXXX all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2. 

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and Data Furnisher stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including Equifax, XXXX, and XXXX. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit card

On XXXX XXXX XXXX, I secured a XXXX XXXX XXXX  via the website XXXX 
I received an email confirming that I would be renting the car for a total of XXXX {$200.00} under a section of the email titled " Price Breakdown. '' There were no additional details other than that total. For the record, I was heading home to care for a XXXX XXXX  relative and was under much distress. I arrived at the XXXX XXXX airport after a red eye flight from XXXX XXXX XXXX XX/XX/2024 and provided my XXXX voucher and signed for the car. I used the car for a week and returned the car after caring for my XXXX aunt on XX/XX/2024 to be shown a different amount by the XXXX front desk staff member. The new amount had an additional {$110.00} added so the new total was {$320.00}. I was shocked and with very little time to deal with the situation, I attempted to call XXXX customer service ( XXXX ) but was unable to get anyone to help me in the limited time I had to catch my departing flight. Reluctantly, I paid the XXXX amount but quickly filed a dispute with Chase XXXX. I also contacted XXXX 's customer service ( XXXX ) with the representative also unable to provide me with any recourse or resolution. Recently, Chase provided an update that they closed the dispute and concluded no credit would be given. I have talked with Chase 's dispute department ( XXXX ) today to further discuss the claim but they state they can not do anything more for me. I am frustrated and disappointed by the misleading information provided by XXXX and XXXX XXXX cars and even more frustrated that Chase will not intervene in these deceptive business practices. I have done as much as I can to advocate for myself and have definitely learned my lesson in using a third party website to rent a car. I am hoping CFPB will help hold all the businesses including Chase Bank accountable for these types of misleading business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Product: Credit reporting or other personal consumer reports

As a consumer, I believe that I should have the right to opt-out of soft inquiries that do not provide sufficient protection for my credit file. I previously requested to permanently opt-out of promotional offers and advertising solicitations from Experian 's vendors, but my request was not honored. When I spoke to XXXX and XXXX, two Experian representatives, they informed me that vendors have unrestricted access to my credit report. In order to safeguard my privacy, I decided to freeze my credit file. However, Experian continued to allow vendors that I have no affiliation with to access my credit file every seven days, which is a violation of the law. As a result, Experian has performed soft pulls on my file from XX/XX/2022, up to the present day. The entity that accessed my information is located at XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I want to clarify that I never authorized Experian Data Quality to pull my credit report every seven days for any reason. These unauthorized soft pulls by Experian Data Quality are concerning.
Product: Mortgage

I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are failing to get my accounts from the listed creditors
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

Im reaching out to u hoping u can help me on XX/XX/XXXX th of this yr I was a victim of a scam, yes I made a mistake and yes I was naive I looked on XXXX XXXX for a dog I found one and contacted the seller, oh he played his role well and I fell for it hook line and sinker, the dog was XXXX he told me to go through XXXX to send the money and I did he said the puppy will be shipped and it was free shipping like I said I was naive and I thought everything was ok, well when he got the money I got a email from the dog delivery service that I needed to pay XXXX to ship the dog in a climate control crate I thought all my XXXX I have been scammed well u can probably figure the rest I couldnt get a hold of the ph no that came on my ph was XXXX Maryland I so need my money back if there is any way u can help me I will dearly appreciate