23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed on or around these dates to both Equafax, XXXX, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have 3 hard inquiries on Equafax, and XXXX as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.
Product: Mortgage

On XX/XX/2023, I received a TEXT MESSAGE on my phone, stating - - " Hey XXXX- this is XXXX XXXX over at Reliable Home Lenders. Thanks for submitting your info to get pre-approved. Do you prefer text or a quick call? '' I have not applied for a Mortgage in the last 3 years, and certainly not today. I contacted XXXX XXXX at Reliable Home Loans via email at XXXX. My email asked for the information associated with the " pre-approval application '' and I informed her that I did not complete any application. After some back and forth, she stated - " No reason to be concerned. I am working with a new real estate team that has used XXXX for a bit. They provided my team with a list of leads and I didnt realize the leads were dated. '' - - - - WELL, there are a couple of problems - the first, they are violating the CAN-SPAM ACT by soliciting me through a list they received from a third party without my opting in. Secondly, they are misleading people into thinking that an application was filled out in their name- which is cause for alarm and now I am spending time and resources doing a credit check, etc to make sure I have not been subject to any identity theft. 

Additionally, I have asked her for copies of the information submitted to her and the name of the real estate agent, which she refuses to provide to me. 

This is the epitome of bad business and bad ethics. Seems like some type of license law violation - and if it isn't, it should be. This is the type of activity that should be specifically forbidden and is frustrating, at the least. 

I want to know what actions can be taken by your agency to prevent these actions from occurring again. This agent is also likely misleading others since she is blindly messaging people she obtained from some random real estate agent.
Product: Mortgage

XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX
Product: Mortgage

To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end. 

I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment. 

In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX. 

Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better. 

I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment. 

I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing. 

I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date. 

I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure. 

I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!
Product: Vehicle loan or lease

they have yet to correct the on line pymt, still haven't chg vehicle info to the new vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by ( certified mail via USPS ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( National Credit System ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Product: Debt collection

I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX
Product: Checking or savings account

I applied for First Tech Federal Credit Union on XX/XX/year> and received a secure message from First Tech asking for a clear copy of my social security card and drivers license. I provided this information to them. They stated my social security card wasnt clear enough. I told them that was the best I have at the moment but would get back to them. Their initial email stated I had 10 days to provide them with the documents yet they denied me the next day. So I applied again on XX/XX/year> and provided a very clear copy of my social card and drivers license. They denied me again on XX/XX/XXXX citing information from my XXXX report. I wrote them back asking why they denied me based on this as I can see my XXXX credit report and that they made a soft inquiry. All of my information I used to on my First Tech application was the same as on my credit report. They did not respond. The denials were manually done by a person as the emails came in hours or even days after application, at the end of the application process it stated it was under review, and the denial emails came in on the weekends. So its whoever was working on the weekend. In the mean time my wife XXXX XXXX XXXX had applied for First Tech, they asked for the same documents, and she provided them. They denied her several times as well stating information from her XXXX report. Her information on her application and credit report was the same and correct. The credit union states anyone can become a member several ways one being a member of the XXXX XXXX XXXX which you can join during the First Tech application process. This was the option we both chose. 

We are listed as each others spouses on our credit report. Considering there is no valid reason for denial we would like this matter investigated. We believe we have been denied based on discrimination. The Equal Credit Opportunity Act prohibits discrimination based on XXXX XXXX  and gender identity. There is someone working at First Tech Federal Credit Union who we believe is violating this law.
Product: Credit card or prepaid card

I hired XXXX 's XXXX to repair a power outlet on my computer. They came out to my house XX/XX/XXXX to do the repair. The charge was XXXX. They did not fix the problem, I called them back to fix the problem yet again. They came back out on XX/XX/XXXX and charged my card XXXX without my consent. The problem was still not fixed. I called them again and this time they would not return my calls. I disputed the charges with my credit card company because the service I paid for was not received. The said that by just showing up at my house I owed them the money they charged me. {$260.00} later computer is still not working and Chase is refusing to help me.
Product: Payday loan, title loan, or personal loan

I applied for an installment loan over five times and was denied each time. I've cleared the balance of my previous loan months prior.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> The Credit Bureau 's stated Account Name & Account # was properly investigated, but how is that possible when the open date is inaccurate, the date last active is incorrect, and the date last reported is also inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. I am attaching copies of all letters sent below.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I haven't given written permission for these accounts to be furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio services refuses to remove from credit report. Identity proof.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just check my credit report and I found those 8 fraud inquiries that shall delete from my credit report. I am aware that, as per ( 15 U.S.C. Sec. 1681 i ( A ), you are required to complete this investigation or delete those fraud inquiries within 30 days of receiving this letter. 




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

Today, XX/XX/2020, I received a letter from Aldous & Associates in XXXX, Utah dated XX/XX/2020. The letter stating that I owe XXXX XXXX a debt in the amount of {$84.00}. I called XXXX XXXX in XXXX XXXX, CT to inquire about the debt but reached a voice mail recording stating the mailbox was full. 
Next I called Aldous & Associates ( XXXX XXXX ) and explained that I did not believe the debt associated with the account number indicated was in my name or bearing my signature. I stated I have never even received a bill from XXXX XXXX, How can it go to collections? I asked that verification of the debt be sent to me.I was told I was required to send the request in writing within 30 days, before any verification would be sent. 
I called the Federal Trade Commission Consumer Finance Protection Bureau and was given information that Aldous & Associates had 5 days to mail a communication acknowledging my call and 30 days to send the requested proof of debt. I called Aldous & Assoc. back and told them what I had just been told and requested proof of debt again. I was denied and told I first had to send a letter. I explained I have been recovering from XXXX  XXXX and healing from a XXXX XXXX and have trouble getting around. I asked if they had any accommodations for people with XXXX. " No ''. What about the Americans with Disabilities Act- Don't you have any provisions for the XXXX? " No '' I asked if I could email my request. " No '' I asked if they had a fax I could send it to. " No ''. I asked for the name of the person I was speaking with. " XXXX XXXX ''. ( Suspiciously generic name. )
Product: Credit card or prepaid card

To Whomever It May Concern : Good morning. I recently got an alert from XXXX  that I got a report filed against me ( for not paying the membership fee ). My credit score has been reduced by 50 points. I have few issues with that : ( 1 ) I never received a bill for the membership fee. I dont understand, how I can be held accountable for a payment on a bill I never received ( especially during a covid pandemic ). The customer rep admitted ( on the phone ) that the bill may have been lost in the mail due to covid.

( 2 ) No one from Barclays reached out to me to notify me that I had a payment due. Instead of notifying me, they went behind my back and bypassed the process to maliciously report me to XXXX.

( 3 ) They have my banking information on file ( as the customer rep said on the phone ). Why did they not debit the baking account? What is the purpose of having that information on file, if they arent going to ever use it.

( 4 ) I have never used the card ( literally never ). 

( 5 ) I alerted them that I will be reporting them to the FTC and they seems to not care.

This is concerning a monthly bill I never received ( it should be a XX/XX/2020 bill that was due in XX/XX/2020 ).
Product: Credit card

Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score.

Complaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. 
As of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. 


What I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.
Product: Credit card or prepaid card

During the beginning of covid i was enrolled in a secured card with TD bank. I was unable to pay the bill even though they kept calling and asking for payment. After a couple months went by i decided to pay the full amount. My problem is that now i have a deliquency on my credit record and its affecting my outcome on credit worthiness. I feel very pressured by this and so i decided to go a step further and try to straighten out the fact that they didnt offer any forbeance during a pandemic and refused to remove late payments. The account was payed in full. Roughly XXXX dollars of debt. And i still have the delinquencies on my credit file. Please any assistance would be appreciated thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is my 2nd time attempting to have my credit report corrected. I see 3 late payments reflecting on accounts that I was not late for. As a consumer reporting agency you have assumed the vital role and responsibility to report consumer information to the best of your maximum accuracy. I have not been late on payments for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please reasonably re-investigate the completeness and accuracy of these accounts and provide proof with statements showing that you have verified these payments were late. If proof can not be provided please promptly update these accounts to accurately reflect on-time as they should be as I was never late. 

Thank you for your attention in this matter. 

Attached are my Drivers License and SSN for verification
Product: Credit reporting or other personal consumer reports

- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX XXXX XXXX Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION TD BANK XXXX XXXX 
Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN XXXX XXXX XXXX XXXX Account number Please BLOCK account from credit file.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) report that has highlighted significant issues with the platform. Despite my frequent use of Zelle and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have some inquiries on my credit report that Im not aware about them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX