23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

applied for grant -- needed to link bank account -- - to receive grant -- - system says -- CANT LINK
Product: Mortgage

Mortgage company did not have closing docs ready for closing and funding. They had 2 months to get Buyer approved on a VA Loan and Closing had been set for 2 weeks evening before closing Title company calls and informs me they do not have closing docs and we have to reschedule closing. Sellers had already moved out of the house, had their possessions on a moving truck and spending the night with family as they had to be out of the house before closing. The Sellers have a premature baby and did n't need to upset her schedule any more than was necessary. Sellers of the house they are purchasing would not let them move into the house until it was funded even though they had signed all papers and presented the cashiers check. So they were out with nowhere to go until the closing Docs and funding could be rescheduled. The sellers were completely helpless even though none of this was their fault. Then closing was set for the next day and closing set for XXXX XXXX, the buyers would not close until XXXX so funding can not take place for another day while the sellers ( a XXXX Vet. ) and a premature baby are waiting still with no home and all their possessions on a truck. We were promised that the Cds would be ready on XXXX XXXX, the contract closing date, but that did n't happen, we were then told the CDS would be at title company later in the day and funding would take place. That did n't happen either. I still do not know if this loan will close tomorrow or not. I do not believe anything the Mortgage Broker says now. 
Mortgage Broker had the sellers Spouse removed from the contract. 
which had to be added back to the contract before closing could take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Debt collection

XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

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

I was notified by Experian that a hard inquiry hit my credit score immediately followed by a decrees in my credit score. I logged in and noticed that there was a Hard Inquiry from XXXX XXXX XXXX I happen to be a customer of this institution so I called their fraud department and notified them that this is fraudulent and to NOT approve the application. They informed me that someone applied for credit for XXXX XXXX and a cruise line. I have notified Experian that this is fraudulent and that I want the inquiry removed and they advised me to notify and report this to the FTC. I have not applied for any credit or loans of any sort nor have I had any previous issues regarding ID theft. I do want to prosecute if these culprits are caught. 

Contacted : XXXX XXXX XXXX Fraud Department on XXXX Contacted : Experian Dispute Department on XXXX Inquiry Date : XXXX Type Bank Credit Cards- Phone XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX 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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of ID fraud with my bank and XXXX XXXX. Bank has declared all activity as fraud on my bank acct XXXX XXXX refuses to provide any information. They allowed the card to be opened but won't release info to me. They are not sharing or even investigating properly and yet allow the fraudster to up my credit limit and add up chgs of almost XXXX XXXX  on a card with initial limit of XXXX XXXX  has stated I called in for a credit limit increase. Id like proof and the recording of this request all fraud, I've contact XXXX  repeatedly in the past months. They put the negative info back on my report after they XXXX  decided it was my chgs and all valid, yet the bank reports these chgs from XXXX  on the bank statement are fraudulent. Ive filed complaints here and with the FTC, XXXX, my bank, and frozen all my credit reports and repeatedly talked with bankers. XXXX  refuses to show proof of debt although I have requested it and will do so again this week XX/XX/XXXX via certified letters with copies of all reports made and a statement by bank refuting and declaring fraud on my checking accts
Product: Debt collection

I sent letters to LVNV Funding LLC to validate the so called debt, they didn't response. So I sent them certified letters this time and they still have not gotten a response.
Product: Credit reporting or other personal consumer reports

ExperianXXXX have used inaccurate information on the report, list goes as follows. 
XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments.

The Name, as Listed should be only name on report.

Any Other Address Besides Listed, shall be removed.
Product: Debt collection

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Product: Checking or savings account

I'm writing on behalf of my friend she has a checking account with Wells Fargo and Wells Fargo received her deposit on XX/XX/2020 and conveniently wells Fargo deny any deposit was made and all the information the irs.gov has was current and updated and accurate. she only has a checking account. and they refuse to tell her if a pending deposit was made or in holding of XXXX better known as the economic impact corona virus stimulus money given by our government in order to stimulate the economy and to provide some help during this difficult time. However the only entity its stimulating is their greedy pockets and some thing needs to be done about it. On there recorded line they advise not to ask about and on there website they say don'task tellers any questions regarding pandemic money because they don't know anything and we don't have access to that information she's not even allowed to ask them what happened to the money because now they can't tell her anything about her deposit history. this is really bad and something needs to be done about it fast.
Product: Checking or savings account

I recently contacted Credit Karma regarding unauthorized withdrawals made on my account. There were a few unauthorized transactions totaling XXXX. I did not authorize these transactions and fully explained that these charges are affecting my ability to pay necessary bills due. I also currently have my credit reports frozen due to recent unauthorized transactions and posted inquiries on my credit reports. The card i requested to be closed and my money refunded due to these circumstances. So far i received one response and my dispute for one of the amounts was not approved. I did not authorize these charges as stated in their letter and I should not be liable for someone taking advantage of my checking acct. Credit Karma needs to be more vested in their customers concerns.
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )
Product: Debt collection

On XX/XX/year>, my XXXX XXXX received a summons in my name from the sheriff 's department. I read over the summons carefully. I had to make some phone calls to discover who they represented. The paperwork says they represent XXXXXXXX XXXX  XXXX I contacted XXXX XXXX XXXXXXXX XXXX. The representative told me that they do not hold my account, a Rausch Sturm Israel Enerson holds my account. A company that has never reached out via mail, phone, or email. 
They are not named in the summons. However, a Rausch Strum, XXXX is the attorney. I reached out to the email on the summons and to the email on their website early Monday morning, XX/XX/year>. It has been XXXX days and they haven't responded to me. 
I asked for copies of all supposed communication up until now. I asked for a copy of my notice that I had the right to dispute. I asked for a copy of the debt validation. Silence. Nothing from them.
Product: Mortgage

We received a letter of " Notice of Servicing Transfer '' from XXXX XXXX XXXX XXXX # XXXX ; # XXXX. XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX that they were no longer collecting payments, effective XXXX XXXX, XXXX. 
Fay Servicing LLC NMLS # XXXX as your new servicer, will start accepting payments received from you going forward ( account # XXXX ). We received our first statement from Fay in XXXX XXXX, with a balance of {$660.00}. On XXXX {$400.00}, XXXX {$500.00}, XXXX {$430.00}, XXXX {$340.00} were all drafted from my XXXX XXXX XXXX checking account XXXX XXXX. 

We received statement from Fay Servicing for the months of XXXX, XXXX, and XXXX, which did not show the payments being properly allocated to the account. The amount owed, instead of decreasing, was now increased from {$660.00} to {$2300.00} to date. 

I, XXXX XXXX started making telephone contact with Fay, dating back as early as XXXX when i realized the payments were not being applied properly. In XXXX I attempted to speak with XXXX XXXX ( numerous calls and voice messages left ), XXXX XXXX XXXX XXXX 's manager ), XXXX XXXX ( on XXXX XXXX ), or anyone else for that matter with no success. My wife attempted to call on a conference call with her attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and was given the assurance that the corrections would promptly be made to the account. 

At this present time, Fay Servicing has now locked me out of my account, not allowing me to make anymore payments. They have also began pre foreclosure proceedings against my property at XXXX XXXX XXXX, XXXX GA XXXX. 

I have enclosed all documents to support my disclosures.
Product: Checking or savings account

PayPal limited my account on XX/XX/XXXX. They requested more information which I provided. They followed up today XXXX and closed my account but have kept my {$170.00} in my PayPal balance AND {$540.00} in my PayPal checking account my only option to withdraw is to my PayPal balance which is being kept by PayPal. They have kept over {$700.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to display gross incompetence relative to XXXX and XXXX. My XXXX XXXX credit card which is over 2 years old and has a XXXX  balance is being falsely reported as closed by the creditor on my Equifax credit report. Only Equifax is committing this reporting error!
Product: Debt collection

My husband and I purchased a used car, a XXXX XXXX XXXX in XXXX from a DriveTime dealership in XXXX, Florida. Throughout a period of XXXX years, XXXX, we paid our monthly payments on time, but the car start having mechanical problems only a few months after we purchased it. 

We tried to resolve the issues with the dealership directly, and even taking it to their mechanic of choice. However, we found out the mechanic bills were added to our original debt and the mechanical problems persisted. At this point, early to mid XXXX, my husband and I had already paid $ XXXX {$8000.00} for the car which included a {$2500.00} down payment plus all the mechanic bills. 

After no solution was given to our situation, we returned the car to dealership. It was not repossessed by the dealer but voluntarily returned by us ; the affected customers of a car that was not in good conditions to be sold in the first place. We were swindled from our money for a period of almost two years, and no solution was ever given to us, even when the car was voluntarily returned to the dealership and sold once again to a new unexpected customer. 

Now after almost 20 years of this predicament, a collect agency and supposedly legal representatives of DriveTime in California are trying to threaten my husband and I with a court case with the intent of getting more money out of us.
Product: Credit card

Citi closed my dispute twice and both for reasons for which I already provided the required documents. Citi claimed I failed to provide documents supporting my disputed transaction when in fact I sent all documents twice. Citi then claimed I failed to communicate with merchant to resolve the issue when in fact I did try to resolve the issue with merchant prior to the dispute ; I also sent citi screenshot of emails between me and the merchant showing that merchant refused to communicate with me over emails and wanted me to call. The merchant did not want to respond by writing even after I asked to have any communication in writing. The disputed transaction is in the amount of {$910.00} with XXXX ( the merchant ). The merchant used deceptive and misleading advertisements on their website when advertising a hotel room I booked and paid for through their website which violates consumer rights to receive truthful information about a product or service.
Product: Debt collection

Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI XXXX XXXX stating that I am a victim of financial fraud in a federal division.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I mark as inaccurate, XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Which I tried to dispute and they continue to reopen and put on my account
Product: Mortgage

XX/XX/XXXX I received a letter stating that my monthly payment will increase above {$1800.00} amount due to insurance escrow shortage of {$6000.00}. XX/XX/XXXX I called to see how we can work something out cause I don't have that kind of income to pay such a large amount with other bill being shorted to survive. They informed me of programs that are available such as modification and refinancing for an additional 30 years. I asked for lowing my interest rate due to the fact I made payments on time and always made a way with the insurance, which is the lowest in can get due to company 's leaving the state and living close to a lake of water does not help in anyway. So I asked about the XXXX and XXXX area homeowner rate and they could not give me an answer. My wife and I applied with many companies, but Wells Fargo were the only one that gave use a loan on XX/XX/XXXX. We signed a loan agreement for {$150000.00} at APR of XXXX with monthly payments at {$1500.00}, my credit rating score at the time was XXXX, hers was XXXX. Was told that we would be able to get it lower once our credit improved and when it did in XXXX they refused us due to late payments and not creditable worthy enough. Over the 26 years I would find lower insurance and payment with to {$1400.00} or they added escrow differance to the end of loan end date extending the years of payout. I have been doing my best to improve credit to XXXX to get better APR but all they do is try and get me to do 30 more years loan or other programs. More sacrifices I don't have in me at my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED 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 an account without my written instructions.
Product: Debt collection

CEB Group is attempting to collect a debt for a medical bill that has already been settled and I disputed it on my credit. I have told them multiple times to not call my place of employment and they continue. I received another call today at XXXX XXXX from the CEB Group. I spoke to a supervisor named XXXX XXXX this morning and informed her I would be filing this complaint. 

They will not STOP! This is illegal. Please prosecute.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZE ACCESS TO STUDENT LOAN INFO BY XXXX XXXX
Product: Debt collection

i have disputed a few accounts that are being fruadently reported on my credit report and violating a hipaa law..the account violating the hipaa law is this XXXX XXXX XXXX by XXXX XXXX how did they obain my personal medical records? the amount is {$9500.00} XX/XX/XXXX it is also a validation of debt havent sent me the orginal documents in that case and also in these XXXX other charges from XXXX XXXX for XXXX $ XX/XX/XXXX and a XXXX original creditor XXXX XXXX for {$340.00} also havent sent me that they validated the debt and how they was able to validate it..
Product: Vehicle loan or lease

Please also refer to case # XXXX and XXXX. Problem has been ongoing since XX/XX/2018. I just received a letter from a collection agency for a debt with XXXX. I was neither notified by mail or email or from account online. This began because XXXX was negligent in picking up vehicle from dealer. XXXX forced me to sign false odometer statement ( stated wrong turn in date ) to repair my credit as they would not pickup vehicle and payments and charges kept accruing, along with there harassing phone calls, whenever you call them the first thing they say is " we are going to report you to the credit bureaus if you do not take care of this ". XXXX finally picked up vehicle 1 year and 3 months later!. This is the 3rd time that XXXX has affected my credit report by reporting these bogus charges.I do agree with the end of lease charge but not the other 2 charges. If they are claiming there is XXXX miles on vehicle and then charging me for 2 tires that are only warranted for XXXX miles how nice that is for them to resell vehicle with 2 new tires at my expense, this is normal wear and tear or they should have been disposed of at the end of XXXX mile tire warranty. Again, where was this vehicle for over 1 year and 3 months to accumulate this mileage. Again XXXX negligent for not picking up vehicle.