23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a refinance with Better.com. They took a {$550.00} upfront fee for appraisal services. I asked them specifically whether or not they serviced their own loans or if they sold them servicing released, and the agent confirmed they service their own loans. Much later, after the appraisal completed, I received documentation at closing indicating that this was incorrect and that in fact, they use a third party for servicing. This particular servicer is especially bad and has hundreds of complaints online. Had they correctly disclosed this information when I requested it I would not have move forward with the loan. I exercised my right to back out of the loan within 3 business days at the closing table, but this fee is not refunded because the appraisal had already happened.

However, I consider this a clear UDAAP violation -- I specifically requested this information, was provided the incorrect information, could not have reasonably otherwise avoided this risk or discovered the correct information from anyone else, and suffered specific financial loss as a result. Moreover, the appraisal has no practical value as other lenders have waived the requirement to even have one, so it serves no purpose or value to me as an end consumer, it only provided value ( and financial benefit ) to better.com.

While the latest loan estimate did note this, I would add that I received over 10 loan estimates from them, and several of them they admitted had been " generated in error '' due to a technical problem on their side, so there was no reasonable way for me to know what portions of the loan estimate were correct or incorrect. I have copies of emails stating the loan estimates were generated due to a computer glitch and to ignore them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Equifax and XXXX credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00} and XXXX XXXX XXXX XXXX XXXX, {$580.00}. The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and I believe that the accounts and inquiries specified below were the result of identity theft.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting immediate action to remove these items from my credit file. I have provided all necessary documentation, including a copy of my government-issued ID and a police report, to support my claim. 
Fraudulent Account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I used to have a Santander bank checking + savings account when I first came to this country as a student in 2013. When I stopped using that account, I went in to close both the accounts and was told that instead of closing it formally, I can just withdraw the money and stop using the account, and the inactivity would make them close the account in a few months. This was in XXXX 2013. Moving on, I started receiving mailers from Santander bank at my current address for a {$220.00} bonus if I open a checking account. I went to a branch in XXXX, MA. to apply and I told the manager that I used to have an account. She could n't find any account in my name in their system and told me I am a new customer to them and opened a new account for me. I fulfilled all requirements of direct deposits for the account and contacted them multiple times for the bonus and was told that to wait longer. Finally I got in touch with the bank employee who opened my account and now works at a different branch and he told me I would not be getting that bonus as I was an existing customer for them. I was misled while opening this account and I feel I should be getting the bonus {$220.00} I was promised for being honest and upfront about everything whereas the bank was not.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two tickets on XXXX XXXX. This purchase showed as two transactions on my credit card, one for each ticket, even though it was a single purchase transaction. 
XXXX XXXX changed their ticket policy after these tickets were purchased, and would no longer guarantee an open middle seat. Since I would not have purchased the tickets given the new policy, I requested a refund from XXXX XXXX and was denied by them. 
I had to open 2 disputes with the credit card company, one for each ticket. One of the disputes was decided in my favor on XX/XX/XXXX and the credit card company credited my account with the entire amount of the ticket. The other dispute was denied on XX/XX/XXXX. I had provided the same documentation and information for each ticket dispute in a communication dated XX/XX/XXXX. 
When I called on XX/XX/XXXX another dispute was opened for the ticket which had been denied and I was told at that time that since one of the ticket disputes had been resolved in my favor that both should have been resolved in my favor. However, I was never credited with the second ticket amount. I inquired again on XX/XX/XXXX and was told again the second ticket would be credited but that the duplicate dispute should not have been filed and the original dispute for the second ticket would be reopened. 
Today, XX/XX/, I received a letter from the credit card company which stated " We no longer have any means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' I called them again and spoke to XXXX who gave me a completely different explanation and offered me {$170.00}, and I Informed her that I was going to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianCredit reporting agency continues to violate my rights Protected by the FCRA, by reporting false and inaccurate information on my consumer report, and my LAWFUL RIGHTS TO PRIVACY! 
They are reporting 2 accounts as Late 1.XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX  Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I Did NOT give Experian Credit reporting agency written instructions to furnish this on my credit report! 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I NEVER gave anyone written consent to share any information of my experiences with Experian nor did I give Experian written permission to do such. My rights to Privacy and other matters mentioned herein has been violated as a consumer and natural breathing Person.
Product: Credit reporting or other personal consumer reports

I did not give this company written consent to share or report my personal information to the credit bureau. I am filinf this complaint under 15USC1681 B ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute letter on XX/XX/2022, of this account and still don't have responded to my dispute. The account was open fraudulently I send a copy of my Identity Theft report and they ignore it.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I had gone through a rough divorce and my pay had been significantly cut due to a change in employment. I stopped payments on the accounts that I had filed XXXX  XXXX bankruptcy on. Obviously this resulted in late payment reports on my credit reports. Fast forward to XXXX and XXXX XXXX XXXX XXXX XXXX had continued to report my payments as late even though my discharge was official in XXXX of XXXX. I contacted XXXX in XXXX of XXXX when I noticed I kept having accounts reporting as late payments. They were able to stop the reporting and corrected the late payments but it now shows on 2 of my reports that my last late payment was 10-11 months ago and the other shows 2.5 years ago. Also they show that in XXXX all accounts were " charged off as of XX/XX/XXXX and XX/XX/XXXX '' as per my documents attached. This is incorrect. XXXX was over 4 years ago so this is an error. The Charge off/ Included in bankruptcy should have been in XXXX not XXXX. Not only that, the way it is reported, I have been denied loans. The denials stemmed from a recent bankruptcy. When I followed up on this, I was told it was being reported that I filed bankruptcy in XXXX of XXXX. That isn't true and it is negatively effecting my credit. I own up to my bankruptcy in XXXX but that was the last time I have made a late payment. I have worked hard to keep myself out of the position I found myself in and find it very disappointing I have to jump through so many hoops to get this corrected. This is very negligent and shows the lack of checks and balances in our credit reporting process.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I believe I may be a victim of identity theft.
Product: Credit reporting, credit repair services, 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 Account XXXX Account name : DEPT OF EDUCATIONXXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX Bankruptcy Account XXXX has violated my rights. Or 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: Debt collection

Pursuant to Federal Law 15 USC 1692 G, CREDIT ACCEPTANCE has failed to present the name and address of the original creditor after written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I already disputed the account XXXX XXXX XXXX ( XXXX ) multiple times, requesting that the inaccurate late payments be corrected. XXXX and XXXX promptly xed the errors, but TransUnion failed to take appropriate action. Their failure to correct this error violates multiple provisions of the FCRA and constitutes willful noncompliance under federal law. TransUnion is reporting my payment status correctly as 'Paid or paying as agreed, ' yet at the same time, they are still reporting incorrect late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in my payment history. This contradiction makes no senseif my account is marked as " Paid or Paying as Agreed, '' then why are late payments still showing? Their reporting is inconsistent, and this is severely damaging my credit score. These errors must be corrected immediately. The failure to correct this information violates 15 U.S.C. 1681e ( b ), which requires TransUnion to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, 15 U.S.C. 1681b ( 2 ) clearly states that a consumer report may only be furnished in accordance with the written instructions of the consumer. I never provided written authorization for this inaccurate information to be reported, making your continued failure to remove it a violation of federal law. Because of this false reporting, I have faced nancial diculties and obstacles in obtaining necessary approvals. This has caused both nancial and emotional distress, and I hold TransUnion fully responsible for the consequences of their negligence. Under 15 U.S.C. 1681n, willful violations of the FCRA allow for damages of at least {$1000.00} per violation, with the potential for signicantly higher claims if actual damages are proven. I am demanding that TransUnion immediately FIX OR REMOVE the erroneous late payments in my payment history to match the correct payment status already reported by their agency itself, as well as XXXX and XXXX, ensuring that my account is accurately reected as Paid as Agreed. I also demand that they provide me with : written conrmation that the incorrect information has been removed or corrected, an updated copy of my corrected credit report, and assurance that this inaccurate reporting will not reappear in my le.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems with these accounts that appear on my credit report that i did not authorize.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I noticed that my credit score had dropped, and it showed a delinquent card on my credit report. The issuer was XXXX. I have a personal XXXX card, but have always paid all balances on time. I called XXXX to ask what this was and they informed me that it was a business card. 
I told them that I had never applied for a business card and do not own a business. 
They told me that in XXXX of XXXX, XXXX approved an application for a business card to someone in New York. Apparently that person made purchases over the limit of the card and never paid any bills for it. 

I was never given details and they told me they would report it as fraud and remove it from my credit report. 
In XXXX of XXXX, the card remains on my credit report. I called XXXX again, and was transferred to 10 different people who were unable to help. The 11th person looked at the letters sent and found that they were all sent to New York. I have never lived in New York and was never contacted in any way in regard to this account. XXXX informed me that their fraud team did not receive a response, and therefore assumed that I was responsible. They then transferred me 3 more times and I finally got a person that took my number and said they would call me back. They never did so. 

At this time, my credit rating went from XXXX to XXXX because XXXX issued a card to somoeone else and somehow associated me with it. I do not know what information is on the account, I do not know the account number or anything about it and appear to be unable to get XXXX to act. I have been unable to reach anyone that can explain this.
Product: Credit reporting or other personal consumer reports

I identified unauthorized inquiries in my report under 15 USC 16c-2. They are incorrect and hurting my credit score. Please delete them.
Product: Credit card or prepaid card

I am opening a complaint following my previous complaint ID : XXXX. In that complaint I had mentioned that on XX/XX/XXXX, I balance transferred {$13000.00} from my Capital one credit card app to my husband 's XXXX debit card. I found out the next day that the debit card does not accept incoming transfer. So I called Capital one and asked them to put a stop to it and cancel the transfer. They could not do it and I was told that I have to wait for it to be rejected and be refunded back to me. 
It has been more than XXXX weeks and the transfer was not rejected and has not been sent back to us and XXXX is saying that the transfer has not been received. 
Capital One has not provided any proof, transaction ID or trace number about the transfer and XXXX has no way of tracking what has happened to the money. 
I have opened many cases with Capital One and they keep closing them without any resolution to our problem and finding out where the transfer is. Capital One back office has to talk to XXXX back office and figure out where the money is! The transfer has filled up my credit card limit and brought down my credit score a lot! 
In response to our complaint ID XXXX, capital one promised to fax XXXX the proof of the balance transfer. I called Capital One and provided the fax XXXX XXXX. Attn : XXXX XXXX XXXX weeks ago, but Capital One has not sent any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet received a response to my dispute. The company closed the dispute and stated they would resolve this by contacting the creditor. I have not received any updates.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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.