23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.
Product: Checking or savings account

On XX/XX/23, I made attempted to make an ATM deposit at the Bank of America branch at XXXX XXXX  XXXX # XXXX. The ATM took my two checks and failed to give any receipt for my deposit. I immediately requested assistance at the branch and was told to call XXXX which resulted in the filing of a claim with Bank of America. As today, my account has not been credited and I have been told it will not be credited until the 10 day hold period expires ; furthermore, the claims department has NO availability escalate my credit to my account in less than 10 days. I have spent at least 90 minutes to speak with a decision maker about this bank ATM malfunction which causing a financial hardship.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries that I do not recognize. These inquiries are fraudulent and do not belong to me. Please remove them immediately. My data has been compromised due to the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D. Please provide the names and business addresses of each individual with who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation. 

Accounts to reinvestigate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I need help with my credit please I have been trying to reach out to TransUnion, XXXX and XXXX and I can't even get thru to anyone on the phone. It all started in 2022 when I was trying to get a loan, and I got denied for my credit that I never use. So, I pulled my report, and I saw a lot of addresses and phone numbers my names were all over the place. I have been sent personal information update letters and it was all 3 bureaus never sent me anything. So, I started the process in XXXX XXXX and I restarted it all over again by sending disputer letters everything that I can think of. I can't even I identify Myself something is wrong. but I am the real XXXX. How can someone just take over my credit and I can't do nothing about it. Oh and they inquiries is thru the roof
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was exposed, leading to unauthorized accounts and credit inquiries being added to my credit report without my permission or knowledge. These accounts and inquiries were not made by me, yet they continue to appear on my report, negatively impacting my credit profile. Despite my attempts to address these discrepancies, they remain unresolved, causing serious concerns about the security of my personal data and the reliability of my credit report.
Product: Money transfer, virtual currency, or money service

I tried to cash a check from XXXX drawn a Chase bank account a a Chase bank branch in XXXX, CA. The clerk first said there will be a {$10.00} charge and then said he couldn't cash the check because XXXX would not allow the branches to cash Checks. I have never heard of this I thought if a check was drawn on a bank they had to cash it. I contacted XXXX and they caimed the bank was in error
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning when I saw inaccurate accounts on my credit report, and I have no idea why they are there. I regularly check my report, but this time there were sudden discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. Im now requesting that the documents I've submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

( Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information that is shown about this fraud bankruptcy on XXXX and TransUnion is completely inconsistent. XXXX says the date filed was XX/XX/2019 and Transunion says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, Transunion says the Court is US Bankruptcy Court, while XXXX says it's Federal Court.
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 - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransWorld System a letter which was received on XX/XX/XXXX at XXXX XXXX per the United States postal service ... I asked them to validate the debt by sending an audit trail as well as a promissory note and I have yet to receive any correspondence ... TransWorld removed the account from my credit report and then shortly after added it back without sending me any correspondence as to what actions were being taken. TransWorld has also failed to place my account in dispute as it has been pass the 30 days as to when they received the letter ... .TransWorld is in direct violation of the FCRA ....
Product: Checking or savings account

I tried to open an account on https : //current.com. But they refuse to help me open the product, without giving me any explanation as to why it is not possible. The main page shows the requirements for opening the account. I comply with everything that is requested, social security, state id, passport. But they continue to tell me that for reasons of the company they can not help me open my account. 
I demand that the company tell me the reasons why they don't want to open my new account. Because it is very strange and I think it is because I am of XXXX origin and my English is not very good.
Product: Checking or savings account

I noticed a low bank balance under my checking account with Fifth Third Bank. In reviewing transactions, I found XXXX debits which I did not make. They were back to back at a XXXX in XXXX. I do not live in XXXX, nor do I shop there. The XXXX amounts were " odd '' at : {$2200.00} & {$1600.00}. Just the round figures with no odd dollar amount or change. The transactions happened on XX/XX/scrub> 2024, but did not show up on my bank summary until XX/XX/XXXX. I immediately called Fifth Third and they agreed something was not right about the transactions. These XXXX debits, along with XXXX over-draft charges total {$3900.00}. I was told they would do a review and I would get all my money back, but the review would take 30 days. I called after 30 days and was told my claim was denied. They said the purchases were done with a " chip '' and since I was in possession of my card, I was responsible. I argued the fact again, asking them to look once more at the odd totals and that person said, they understood my concern and thought something was wrong too, so they reopened the claim. Another 30 days had to pass before I could question again. I waited the 30 days and was told again the claim was denied. They never told me what XXXX store it happened at nor what was purchased. I thought they should have been able to request a receipt to see what was purchased and where. Evidently not. They told me the case was final and they wouldn't review it again. I was told I have to prove I didn't make these XXXX purchases, I don't know how to do that. I had XXXX  XXXX early in XXXX and was not physically able to drive to XXXX in XXXX because of pain and limited mobility.
Product: Debt collection

Working on debt recovery program. While in said program my family and myself start getting harassing calls and bring informed I'm being taken to court. I had no idea for what. I call Navy Federal credit union in regards of the debt recovery program. They tell me they can't speak to me due to selling my debt and won't give me any information. Just that I need to call a lawyer who bought my debt. I was signed up in the debt recovery program for what I owe Navy Federal credit union so I'm confused how they sold the debt. The total the person seeing me for this debt has a different amount then Navy Federal and I have not been served to go to court.i don't even have a debt validation letter.
Product: Mortgage

Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. 

I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX
Product: Debt collection

This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with The Fair Credit act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 without my written instruction.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' Experian Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.
Product: Credit reporting or other personal consumer reports

Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( XXXX, Equifax, XXXX ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts I had nothing to do with
Product: Credit card

I have been dealing with Sam 's Club Synchrony Bank Credit Card Services since XXXX and this issue is STILL not resolved. INVESTIGATION # XXXX CLAIM # XXXX and several attachments are being sent. 

I am seeking the following : *The {$620.00} charge be credited to my account and stay OFF. 
*Reimbursement/credit for the Certified Letter in the amount of {$10.00}. 
*Removing any and all negative information from ALL Credit Bureaus ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I contacted Synchrony after I found a charge from RESERVATION HOTELS in the amount of {$620.00} XX/XX/XXXX. Synchrony removed the charge and then re-entered it about two months later. I caught it, called them again, and had it removed again. I have repeatedly asked verbally and then when faxes began being sent, it was also submitted in writing for this information/proof be sent to me. The last request was XX/XX/XXXX. Instead of receiving this information, it was the same BLANK FORM to be completed and returned. The blank form along with all previously submitted documents were returned via fax on XX/XX/XXXX. The fax also contains another request for any documentation substantiating Reservation Hotels claim this bill is owed. According to Synchrony this information/proof can not be sent via email ; it has to be mailed. I AM STILL WAITING. Many hours have been spent speaking to various agents with Synchrony, being put on hold, sent to the Fraud Department, to the Dispute Department, and then back to the Dispute Department. As of today, I'm not sure what the status of this issue might be.

Synchrony Bank does not give you an option to even upload information. Everything has to be either faxed or mailed. It was MONTHS after I had been disputing the charges that I was finally given a fax number and a mailing address. The first fax was sent on XX/XX/XXXX. It contained the completed form along with other documentation. This information was also submitted via certified letter ( {$10.00} ). I'm still waiting to receive the receipt certifying the letter was received. 

I have requested several times to receive documentation verbally and in writing regarding this charge. If you google RESERVATION HOTELS, it is listed as as potential spam. I called the number ( XXXX ) and requested the information be sent to me, but was told this information was " frozen '' and could not be sent. 

My wife and I stayed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. One of the many agents I spoke to acted as if the {$620.00} charge was from a XXXX XXXX. There is a letter from the Assistant Manager, XXXX XXXX, to dispute this also. 

I have tried everything I know to resolve this. I have had this credit card for several years now and have never had an issue. 

Your assistance in this matter is greatly appreciated.