23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I am writing to submit a formal complaint regarding my recent mortgage experience, which has left me deeply dissatisfied and concerned. The issues I encountered relate to Citizens and their handling of my mortgage application and closing process. 

Unexpected Payment Increase : On the day of the mortgage closing, approximately an hour and a half into the process, I was informed that my mortgage payment was going to increase by over {$400.00} per month. This unforeseen and substantial increase was both shocking and distressing, especially after going through a nearly four-month mortgage application process. At no point during this extensive period was I made aware that such a significant change in my monthly payment was even a possibility. 

Lack of Transparency : I was clear from the beginning about my budget and financial constraints. This increase came as a complete surprise and left me feeling deceived and uninformed. Had I been aware of this possibility in advance, I would have explored other lenders and their offers to make the most informed and responsible decision regarding my mortgage. I was presented with a mortgage only option and encouraged to stop shopping to avoid losing out on a lower rate that fit into my budget. 

I am seeking your assistance in addressing these issues and ensuring that my rights as a consumer are protected. I request a thorough investigation into the practices of Citizens and that appropriate actions are taken to rectify the situation. I would like to explore potential solutions that align with the original terms and my budget. 

I trust that the CFPB will take my concerns seriously and work toward a resolution that upholds the principles of transparency and integrity in lending. Your prompt attention to this matter is greatly appreciated. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past XXXX days and they have yet to correct the this situation. 
XXXX XXXX XX/XX/2021 XXXXXXXX XXXX  XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX is showing on my EQUIFAX credit report. This is a business equipment loan in which I signed a personal guarantee. This is a business transaction and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX, XXXX utilize my credit worthiness to grant this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed my EQUIFAX credit report.
Product: Credit reporting or other personal consumer reports

Hi, this is XXXX XXXX XXXX 

This is what happened someone applied for a credit card account in my name online. 
Equifax allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through XXXX. 

The lender that XXXX XXXX uses is XXXX XXXX I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.
Product: Mortgage

I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. XXXX ) XXXX XXXX XXXX ( ustomer service and unfair practices, which violate the Consumer 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. 
XXXX Furthermore, their dispute resolution process a was unfair and deceptive, as they ild not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I've taken the time to compose this message. Per 15 US Code 1681S-2 ( a ) ( 1 ) ( a ) & ( c ) along with 15 USC 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts that are listed in this account should not be reflected on my consumer reports as they violate my rights as a federally protected consumer. Per the supplied codes in this statement ; they summarize that it is NON-PERMISSIBLE for a creditor to report anything, under any circumstances without the agreement and written instructions of the consumer. I have not given these creditors my instruction or permission to report anything on my behalf. No consent constitutes identity theft in this matter. I am demanding the immediate deletion and removal of these listed accounts immediately. Additional Unauthorized hard inquires : XXXX XXXX, XXXX XXXX,. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im asking for a removal of the account from my credit report. I am not the primary card holder only an authorize user. My name is XXXX XXXX son is XXXX thank you the account is from XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from XXXX, XXXX, and TransUnion. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : 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 TransUnion : 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 These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable.

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies. 

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not. 

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports. 

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end. 

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

The Capital One Savor credit card arrived on XXXX XXXXI am a current Cap One Checking n Savings holder with a Platinum Credit Card as well..They allowed me to spend XXXX of the Savor card but restricted it without notice. I have no idea why they would do this with me being a CapOne customer..They Closed my account and left me with an outstanding balance..without my consent..If I'm not mistaken they said they couldn't verify my I.D . or my resident ..this is proof of both
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of the XXXX XXXX, identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and personal loans. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of the Data Breach, identity theft and fraud.
Product: Checking or savings account

My Citi bank account was closed today with no explanation as to why, I currently have over XXXX XXXX dollars in my account which theyre not telling me whats going to happen with that, this was completely unjust on citibanks part and I need this fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the inaccurate addresses listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inaccurate addresses below in my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Dispute requests attached below. After most recent dispute was unfounded, I contacted XXXX and was told there was a duplication of some sort made to my account and was assured this would be cleared up within the next business day. It has now been nearly XXXX weeks since that call.
Product: Money transfer, virtual currency, or money service

The company I am dealing with is Coinbase a public company. I own digital assets on Coinbase. In XXXX of 2024 I attempted to send my crypto assets off of Coinbase to my personal crypto wallet of which I have done before. I send a small amount and all was fine. I then tried to send the balance of my assets and I was given a 60 day restriction. I spoke to and chatted with numerous agents and was told all they could do was escalate my complaint and I would receive an email. The email never come. The 60 days went buy and again I went through the process of attempted to move my assets off the Coinbase exchange and again a 60 day restriction with no explanation and only the same empty promise of escalation and an email. At this point it is costing me money as I would like to move my assets to my preferred custodian and receive a yield. I have read many similar stories online and I find it disgusting a publicity traded company treats their clients in this manor. Thank you PS I have provided all they have asked for
Product: Debt collection

I lived at XXXX at XXXX from XXXX with a roommate, XXXX. XXXX stayed in the apartment after I moved out, and we both signed a roommate addendum to remove me from the lease and all responsibility for rent went to XXXX. I never heard from XXXX at XXXX or XXXX after I moved out. On XX/XX/XXXX I received a collections letter in the mail from National Credit Systems stating that I owe {$2300.00} and that I have not made any arrangement to pay it. The itemized charges online say that two months of rent are owed and that our move out date was XX/XX/XXXX. I moved out long before this and was supposed to be removed from the lease by the apartment when I signed the document in XX/XX/XXXX. I never received any other notice from the apartment or collection company before receiving this letter. I have an email between me, the apartment, and XXXX XXXX giving permission to make the addendum for us to sign, but do not have a copy of the addendum because XXXX at XXXX did not respond to my requests for a copy of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance XXXX XXXX  XXXX XXXX XXXX, MI XXXX claims they sent me a final bill at the end of my five year loan that had to be paid differently than auto pay. My wife, loan signer and myself, co signer never received any type of letter or phone call since we initiated auto pay. Went to trade the vehicle and discovered we had no title. Took care of the payment instantly and they still penalized us, financially and credit wise. Have been denied three times from TD Bank. This has been going on almost two years. I take pride in my credit and proof is in the credit reports other than TD Bank. I also have a contract that states If you do not receive final billing statement your payment will be made automatically. I already sent documents to TD Bank
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 XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX, Account XXXX/DOFED : # XXXX, XXXXDOFED, # XXXX Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX XXXX : # XXXX, Account XXXX : # XXXX, XXXX : # XXXX 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 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 card or prepaid card

I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.