23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XXXX I purchased a Cricut maker with my PayPal XXXX XXXX card linked to my PayPal account for {$91.00}. What arrived in XXXX was a cheap pair of sunglasses. I tried to contact the company but their website was gone and their email bounced back. I contacted PayPal on XX/XX/XXXX and was told that this case would be resolved in 90 days. I was contacted in XXXX for clarification about whether I had spoken to the company who sold me this. I answered immediately. I was then told that the company had until XX/XX/XXXX to reply to PayPal. On XX/XX/XXXX I contacted PayPal and after much discussion was promised that the money would be in my account by the end of the day. I called back on XX/XX/XXXX. They said the money would be in my account by XX/XX/XXXX. I called today and they say it will be there tomorrow. I want my {$91.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Product: Checking or savings account

On XX/XX/XXXX, I recieved a text message alert stating that someone was trying to access and withdraw funds from my checking account in the amount of {$2000.00}. The text message wanted me to verify whether I authorized this transaction in which I stated no. About 10minutes later, my phone rang and it read Chase on the caller id so I picked up immediately. The Chase rep stated that he would help reverse the funds ; he placed me on hold and came back stating that he can see the transaction and will be able to reverse it. He explained that I just needed to log into my mobile app and add myself as a recipient through my telephone number and then XXXX the {$2000.00} to myself to reverse the transaction. I did all of this but I never gave him any information other than the last 4 digits of my telephone number. He stated that he would call me back the next day at the same time because we would have to do the XXXX transaction again. He called the next day and asked me to repeat the steps. On Monday XX/XX/XXXX, I realized that my account was short the {$2000.00}. I called Chase again to follow up and was told that this fraud and that Chase would have never contacted a customer.
Product: Payday loan, title loan, or personal loan

Recently I've been applying for cash loans online I am a single working parent in a very tough financial situation and twice people have called me saying that I've been approved for loans, upon receipt of this information I was excited that I would be able to catch up on rent and also upcoming holiday expenses. One for {$6000.00} from a person claiming to be from XXXX XXXX on XX/XX/2019 and another today XX/XX/2019 for {$5000.00} from a person claiming to be from speedy Cash loan, speedy Cash loan sent me a PDF attachment today of a loan agreement complete with payment details, loan interest rates, ect. I was a little suspicious because of both asking me to give money before they would be able to deposit my loan. XXXX XXXX wanted me to go to XXXX to accept my money via XXXX since they couldn't deposit to my bank, in which case I would send them {$50.00} and they would give my deposit via XXXX. Speedy Cash loans agreed to deposit into my account but only after I could make a security deposit of XXXX, because my credit was low and I was a risk. So I looked into both of the supposed financial institutions, called both of their numbers and spoke to representatives of each company was told that neither one had offered or approved me for a loan. It was even illegal for Speedy Cash to do business with me since i was in New Jesey. They both had my banking account and routing information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called Santander. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. Santander states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, There was a Bank of America hard inquiry reported to XXXX XXXX that I dont recognize! This was unauthorized by me and I dont recognize it. I need this inquiry removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from Equifax. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXX 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

The XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX XXXX Description of issue This information is false. The amount does not show and/or was removed from XXXX and XXXX after an investigation, and we were found to be refunded once we moved out. I found out that during the credit leak, my credit was combined with another lady named XXXX and XXXX XXXX, who both live at said property. The property manager was removed from the property due to this, and the other person whose information was filed falsely against was also removed. I have sent proof to Equifax, and all letters were returned, but I have no correspondence from Equifax. I was asked to participate in a civil suit, and I declined since all the info was to be removed from my credit report. I have filed with the XXXX  and reached out XXXX XXXX. They have no information about me or the amount. As stated, the other XXXX creditors were removed after they inquired into the matter. XXXX  XXXX on behalf of XXXX XXXX will not be removed due to the countless inquiries and information I have sent to both companies. Also, the signature on the fake application for my son and my name are wrong. No notice was given, and no letters have been received after almost 3 years of countless requests. The property XXXX was removed from the company because several accounts were found false by other individuals living there. /civil cases were mentioned, and XXXX were filed by myself and others. I have sent the return MO and bank statements to Equifax as well as XXXX XXXX stating that we received our money back and they still have not removed this from my account. Cost Impact : XXXX plus XXXX As you can clearly see the math in the ledger that was sent by rent recovery from XXXX XXXX does not add up and there for is a personal attack from the property manager against myself for reporting her due to her conduct with fellow employee as well as fellow employee conduct towards a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XX/XX/XXXXAccount number : XXXX Opened:XX/XX/XXXXBal : {$15000.00} Creditor : XX/XX/XXXXXXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XX/XX/XXXXAccount number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX OpenedXX/XX/XXXX Bal : {$250.00} Creditor : XXXX, XX/XX/XXXXAccount number : XXXX Opened : XX/XX/21 Bal : {$260.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CHILD SUPPORT ENF AG/N Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Delete this account.
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. 

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 XXXXXXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 pres ( 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: Credit reporting or other personal consumer reports

The law firm IT department XXXX has informed me that XXXX XXXX from XXXX scam XXXX XXXX stole all my funds including my missing benefits and have tracked it to the XXXX XXXX, a Cryptocurrency trading platform in XXXX XXXX. XXXX are involved and support XXXX XXXX in the money laundering and I have been having personal conversations with the CFPB employees that for over 7 years XXXX have been fraudulently closing my complaints immediately lying that it is an duplicate. They are running from the Truth and their fraudulent role in an money laundering scheme and they have unclean hands and any answers they give will implement them. They must explain XXXX and confirm my ownership or be fine by the Consumer Financial Protection Bureau is the Right thing to do.