23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello i want to document a business practice that i think is extremely unethical. We purchased a home in XX/XX/XXXX with a mortgage from KeyBank that included monthly funds for property taxes. After the first year, KeyBank raised the monthly mortgage price XXXX to accommodate for higher than expected property taxes and specifically both a new monthly amount PLUS a monthly " catch up fee '' for 12 months since they undercharged. The County 's property tax rate did not significantly change and they knew how much the house was being purchased for and what local bonds we would be responsible for paying into because of where we lived ; however, they completely " low balled '' the costs. We would NOT have purchased the house if we knew the mortgage was going to be the current amount in only one year and see no reason why a " prestigious '' bank like KeyBank couldn't estimate this amount much closer than they did given all the information ( ie , County property tax rates and sale price of home ) were known. We think it's completely unreasonable to increase the monthly costs this amount and since this is KeyBanks mistake, we believe they should be responsible for this difference or at least part of it like paying for the " 12 month catch up fee ''. The difference in mortgage costs can be seen between the XX/XX/XXXX and XX/XX/XXXX statements attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an Unauthorized inquiry from XXXX XXXX furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and XXXX about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. XXXX has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;
Product: Debt collection

InXX/XX/2018 I took out a loan with XXXX XXXX ( through XXXX XXXX ) to pay for dental work that had been recommended to me. I later decided not to pursue treatment with that dental office ; however, with job transition and other matters I forgot about the loan until contacted by Portfolio Recovery Associates. They are seeking the repayment of the {$5900.00}, but I have disputed this amount with them due to my attempts to work with the dental office to secure a refund of the unused loan funds to XXXX XXXX. ( A small amount was used for lab fees, but most was not touched since I did not have the treatments. ) I have sent dispute emails to their disputes address, however they are ignoring the contents of my emails and assuming I am disputing the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.
Product: Checking or savings account

On XX/XX/XXXX of 2022, I received a call from a Bank of America number calling me to tell me that my account had been hacked and I needed to transfer my money to a " safer '' account with Bank of America via XXXX. Though it sounded somewhat suspicious to me, I could see that this person was calling from bank of America. They already had all of my information, including my name, birthday, address, and how much I had in my account. They told me to transfer {$1700.00} to them so they could then " mail me a new debit card with all of my money on it. '' After I got off the phone I questioned the validity of the call, said I called the Bank of America customer service number on the back of my debit card to confirm all of this and was told it was a scam and to file a claim. I spoke with the fraud department and filed a claim : XXXX. I received a mailed letter from Bank of America dated XX/XX/2022, saying they had completed the review and were unable to approve the claim I then received another letter dated XX/XX/2022, suggesting that I contact the person I sent the funds to even though I had made it clear in my initial call to the fraud department that the call I had received to request me to transfer funds displayed as being from Bank of America. 

After speaking once again with Bank of America and XXXX, I was told that they were unable to reconsider this type of claim. I pointed out to them that scammers have been able to figure out how to use XXXX to defraud Bank of America customers, that this scam has been happening for years, and that the US Congress has done an investigation. I asked why Bank of America and XXXX have not done more to protect their customers from this scam that has affected thousands of customers and resulted millions of dollars of losses! I informed them that we would be reporting this to the CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX XXXXas 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last XXXX this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Bank account or service

Fees charged for A legal fee, that over drafted my account.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from XXXX XXXX. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- XXXX XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry :XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.
Product: Credit reporting or other personal consumer reports

I recently disputed a medical bill from XXXX XXXX that is showing on my Experian credit report. Experian stated that the medical bill from XXXX XXXX " has not been changed and will remain on your credit report ''. However, Experian failed to produce the following : XXXX. PROOF OF VERIFICATION XXXX. METHOD OF VERIFICATION XXXX. MOST IMPORTANTLY, PROOF THAT XXXX XXXX CAN EVEN LEGALLY COLLECT ON THE ACCOUNT. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I am personally being affected by the very reason that Experian is being sued. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete the XXXX XXXX  account from my credit report.
Product: Credit reporting or other personal consumer reports

Nothing happened because I can not contact either EQUIFAX or XXXX via their internet or phone systems. This is irritating beyond belief which is why I am complaining. 

I am XXXX XXXX XXXX and over the years bought several cars, 2 condos, had a few credit cards and paid them all on time. At 1 point in history my credit score was high XXXX (? ). 

So fine. I saw news articles about " freezing '' credit and I was able to do this successfully at all 3 bureaus eqifax, experian & transunion. I did this 5-10 years ago (? ) and lost whatever passwords and pins needed to communicate with equifax experian & transunion because I was never planning to buy anything big again.

I was able to successfully communicate with XXXX and temporarily lift my credit freeze. I was able to successfully communicate my identification information to XXXX and successfully access my account there.

I had a minor car accident and drove over some yellow ridges in center of road. This bump destroyed the transmission on my car and the dealer wants {$8500.00} to fix. Nope the car is only worth {$7000.00} used. So now I need a new car and the car dealers can not access my credit lines because EQUIFAX and XXXX have my accounts frozen and I can not communicate with these people anyway I have tried both internet and phone calls repeatedly.
Product: Credit card or prepaid card

After making several payments my interest rose to the point that my balance doubled causing a ripple effect and the payment to pay of the bal became completely unattainable.
Product: Credit card

Concora Credit/Destiny Mastercard changed my birthday on my account without my knowledge. In doing so, this prevented me from receiving my replacement card, and logging into my online account make payment. Concora Credit/Destiny Mastercard intentionally changed my information to collect late fees and interest on the account knowing I did not access to rectify and pay monthly bill. After waiting for almost a month to receive my replacement card, no one called me to inquire about any changes in my information. I have had my card replaced at least once this year with no issue with Concora Credit/Destiny Mastercard .
Product: Mortgage

XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.
Product: Debt collection

I tried paying off this debt several times. I explained That I had lost my job. And then as a last desperate attempt to salvage my life I was moving to Hawaii and I needed an extension on making a payment and they were not willing to work with me so I did not make any for the payments. This was over 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize these transactions and I called the CRA and told them and they said there is nothing they could do on the first person I talked to. The representatives after I told them the same thing but I see nothing happen. I didnt make these or gave them permission to put or do these inquiries on my transunion report and its still here. 

Ccbaxcessfin- date XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL, XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I asked XXXX and equifax on numerous occasions to do a investigation on account that have a similiar nmae to be remove XXXX and exquifax still have accounts and names such as XXXX XXXX which seem to be very different from XXXX XXXX so why insert this name as well as accounts on my credit file. I understand that XXXX XXXX is a very common name but to insert another individual name all together is just wrong and these company should be held accountable for this because my score dropping XXXX points for these accounts from DEPT OF EDUCATION/XXXX  and I can't move forward in my life into this investigated so I'm asking ofr help before seek legal counsel.
Product: Credit card or prepaid card

Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are not mine.
Product: Checking or savings account

Dispute against Wells Fargo Bank XXXX occurred : XX/XX/XXXX {$580.00} reversed made on my account ( incorrect ) XXXX received a notification that there was a duplicate deposit made and XXXX decided to reverse the funds without investigating. This has been ongoing since XX/XX/XXXX. They made me contact my employer and other banking institution to resolve this matter and even being on a conference call with all parties, XXXX still was not able to assist or just hung up. I have spent hours and days from XX/XX/XXXX til today XX/XX/XXXX XXXX speaking to many reps and everyone has a different answer. That or the reps were fed up with me calling in so many times and disconnected the call. XXXX led me to believe that the claim was being worked on and every couple days the claim would close for the first reason. Some reps would say the claim numbers I provided did not exist and would submit another. I had no say in the doing so, so I just let them create another claim. One rep told me there is no use in me filing anymore claims because it was just going to close for the same reason. Others couldn't find my claims and others did not help. Transferred to thousands of depts with no help and each day was like that. I was told that my employer needed to dispute the case and others said my other bank needed to dispute and some said I needed to dispute it. No answer was consistent with the other. I am tired from calling and spending days and hours on the line waiting for no help. If they reverse my funds it would only be right if they put it back. Going through all this is like pulling teeth and at this point I'd rather go through teeth pulling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX