23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/2022 i have applied 23 times with the XXXX XXXX XXXX XXXX and all of the times i get denied, my lender used to be XXXX XXXX XXXX, while i was with them, XXXX XXXXXXXX denied me because XXXX XXXXXXXX said that XXXX told them my loan was originated as " Investment '' which i asked XXXX to change that as i only own 1 property, once they changed that, i reapplied, and i got denied again, for the same reason, because of the origination.

My loan was transferred to Shellpoint so i guessed they waa going to share the right information to XXXX XXXXXXXX XXXX, so i reapplied, then i got denied again for this message " Your servicer indicated that your loan has matured. The amount due to bring your loan current is over the {$80000.00} program limit. '' During that application i sent to XXXX XXXXXXXX my latest mortgage statement which shows as XXXX XXXX XXXX : {$71000.00} and a XXXX. 
It's impossible that either the lender can even say that or that they can not confirm that information reflecting on my mortgage statement. 
I am dealing with my XXXX XXXX plus this issue since XXXX. Now XXXX XXXXXXXX closed their application and i am unable to re apply and get the benefits because either Shellpoint which is my lender is giving them the wrong information or XXXX XXXXXXXX is just not wanting to provide me their benefits. 
I really need help with my loan, i am a XXXX XXXX person, i want to keep my home and i am really desperated cause i am eligible to it but there is a miss communication or someone is not taking the right time to check on my application and just denied me XXXX times. 
I am going to the TV to say my issue because is not fair that this is happening. I need CFBP communicates with XXXX XXXXXXXX and with Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Credit reporting

I have notified Equifax on numerous occasions that there is erroneous information being reported in the credit file that is maintained and distributed by Equifax under my Social Security number. The account in question has the original creditor listed as XXXX under account number XXXX as listed in my credit report. This is NOT my account and was entered into my credit file in XXXX. I am demanding that Equifax cease and desist any further reporting of this erroneous information in my credit file. I am requesting that this account is removed from my credit file immediately. The attached letter was sent to Equifax via certified mail, XXXX tracking # XXXX XXXX which Equifax signed for on XX/XX/XXXX regarding this account. This is one of many certified letters that I have sent Equifax regarding this erroneous information. I have also disputed this multiple times via the Equifax online dispute system to no avail. Equifax has repeatedly demonstrated dishonest business practices which has been to the detriment of my reputation.
Product: Credit card or prepaid card

I have a CareCredit Card with XXXX XXXX. My issue is that it is that the company is making it too difficult to pay off charges with extra payments in a way that avoids having their excessive interest rates kick in.
I have three different charges, with three different expiration dates (XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Payments are made the first of each month, with minimums being applied to each of the charges. I can pay off the first one in time with three extra mid-month payments of {$600.00}. But to do that, they inform me I must cancel my autopay setup with them and call them on the exact payment day ( not a day earlier or later ) and make the minimum payments, add the extra payment, and tell them to allocate the extra to the first loan.
I suppose this is in the fine print, although the wording is extremely confusing. Nonetheless, I think this amounts to a kind of scam in that you must be super vigilant on your end just to pay them back. It 's unreasonable. You are trying to pay them early. They should be glad. But of course, then they lose the interest they were hoping to take from you because of their over complicated system.
I suppose an interest free card, even for medical costs, is too much to wish for. But why do doctors subscribe to these cards, if that is the case? Are the doctors paying them, too? Or does the card pay them a percentage of the accounts that end up paying interest because you do n't understand or do n't just through their very narrow hoop in just the right way?
It just smells of a kind of loan sharking scam to me, preying on vulnerable people with medical bills they are already struggling to pay off.
I have a transcript of my chat from today that I will attach.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :
Product: Credit card

i was in need of dental work my credit is not that good so i was offered care credit they gave me the credit, but i only had 12 months to pay it off, every time i had more work done they did not extend the grace period it was added to the bill making it to expensive to pay off. they are crooks i called them they do not care
Product: Checking or savings account

It was very difficult to open a business checking account under the same XXXX number. 
Chase Bank XXXX XXXX XXXX XXXX, TX XXXX. 

The staff were uninformed about XXXX. I was told that I cant use the same XXXX to open another business. 

To much waiting for a simple job and very unprofessional Vice President. XXXX XXXX XXXX, XXXX ID XXXX The vice President of the bank, XXXX XXXX XXXX, threatening me to forcefully remove me from the bank.
Product: Money transfer, virtual currency, or money service

Western Union will not help also when I download I get things in XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2022 credit-XXXX  $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

XXXXXXXX XXXX continues to report incorrect information. Account satisfied with company. XXXX XXXX  violates FCRA Guidelines. Continuing to place incorrect amount and removing tradeline is a violation to my rights.
Product: Credit card or prepaid card

they had closed my account for no reason, i have not yet know why, i was not doing anything wrong, money was being sent to my card from a relative, the balance on my card was XXXXcts, they have not sent my refund..
Product: Prepaid card

On XX/XX/2023 we contacted XXXX ( XXXX  ) and reported the issue that the card was not working at the retailer at the point of transaction. XXXX from American Express Gift card services said they would go ahead and issue a refund in the form of a check. They said the refund would be in the mail within two to three weeks and to call back on XX/XX/2023 to check status. We called back XX/XX/XXXX and they said the refund was in process and the refund check would arrive to us by XX/XX/2023. As of XX/XX/2023 the refund check still had not arrive therefore we called back to get the latest status and they said a case was not properly filed and they were going to refile the case and issue a check, and for us to call back in a week. they stated the refund check would arrive to us by XX/XX/2023. The check still had not been received by XX/XX/2023 so we call back and they said a check had not been sent and they would get an update to us within XXXX hours. After no update we called back on XX/XX/2023 and we were told the same information as before and it would be escalated to the back office. They promised another update within XXXX hours which still has not been received. We called back on XX/XX/2023 and at this point they are still not offering any resolution other than an update within XXXX hours. XXXX Case number XXXX XXXX XXXX put us on hold for XXXX minutes and counting. We have been on the phone for hours up to this point trying to resolve this case.
Product: Credit card or prepaid card

Raw Message Printable View I am writing to you because I received a bill for {$11000.00} from ChaseXXXX. I called and discovered an account was opened using my social security number. I also discovered that someone attempted to make payments on the account. These fraudulent payments were attempted to be made from an account that I closed out as due to fraud on XX/XX/2017. I have the closed account statement from XXXX XXXX. I did not make these payments. I also received a letter from Chase regarding a request for a new card that ends with XXXX. There was another address associated with that card and I have never requested a new card, nor have I ever lived or been associated with the address that the new card was requested to be sent.
Product: Debt collection

XXXX XXXX XXXX XXXX, along with their solar panels, have been attempting to make me pay for equipment that doesn't work. I had solar panels installed around XXXX and the panels have not worked correctly since installation. XXXX attempted to address the issue several times, but not that they did worked. The replaced the equipment twice, went on my roof to adjust or fix the panels, as there was water and debris, at one point, preventing the panels from working per one of their technicians. The other times, the electric company came out with XXXX to determine if the electrical equipment was syncing with the XXXX equipment per the solar panels. The electric company ( XXXX ) replaced their equipment and XXXX, supposedly, addressed their equipment, but my electric bill ( regardless of the amount of sun, as my home gets a tremendous amount of sun ) is still extremely high. XXXX verified that there was nothing coming from the panels, which is/was the reason my electric bill has remained, mostly, the same since the solar panels were installed. XXXX 's equipment is faulty and I should not be made to pay for equipment that does not work. With that, the security system stopped working properly, to include the door lock equipment, as it phased out per their technician. I was told in order to continue to receive proper services, I would have to purchase all new equipment, which would have cost over {$900.00}. I asked to have the battery holder for the door lock replaced, they sent a battery holder that didn't fit and then told me that the door lock I have phased out. To me, in order to continue to make money, XXXX 's equipment stops working after a couple of years and then customers, unless they transfer to a better servicer, are made to purchase new equipment. This is a rip off and needs to be addressed properly once and for all.
Product: Credit reporting or other personal consumer reports

EXPERIAN I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information..The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. As a federally protected consumer, I have a right to privacy.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule Name Copyright
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence t 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. Accounts reported as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!
Product: Credit card or prepaid card

Please find below supplemental information in regards to CFPB complaint XXXX filed on XX/XX/2020. 


As you can see from the attached invoice proof, the merchant Wayfair does not list the financing plan selected by the customer. 
1. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$380.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the six months interest free plan. Wayfair authorized Comenity Bank to make the change. 

2. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$1300.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the 24 months interest free plan. However, Wayfair processed the purchase as a 24 months low APR plan. Since, the time the charge has posted, the customer has maintained that he selected the 24 months interest free option, which was the selection box at checkout.
Product: Debt collection

I am a victim of 2 recent data breaches and believe this account is a result of it. Im requesting this account to be blocked and removed within 4 business days pursuant to 15 USC 1681 c-2 ( a )
Product: Mortgage

On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. 

The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. 

I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... 

Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. 

I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.
Product: Payday loan, title loan, or personal loan

ref : XXXX, XXXX On XXXX I attempted to purchase a rug thru XXXX. and finance the rug via Affirm. The sale did not go through. However, the account with Affirm was originated and set up. I corresponded with rugs.com by phone and e-mail. The e-mails confirm I did NOT order product from them. I reached out to Affirm and they continue to put up roadblocks. They will return an e-mail asking for e-mails in a PDF, saying they need more time etc. Total run around.. 


When I try and upload the documents ( e-mails ) from XXXX that clearly states I do not have an order all it does is spin.. Is their another avenue like e-mail to send them??. I have sent the e-mails form rugs.com to Affirm stating I did not place an order on XXXX, XXXX and XXXX - XXXX keep getting the run around. 



I have cut and paste XXXX of them... Realize this is not the best option but I will keep orignals : Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX | XXXX Customer Satisfaction XXXX XXXX : XXXX Number XXXX Dear XXXX Thank you for contacting us. 

We do apologize if your order did not went thru. 

It was my absolute pleasure to assist you today. Thank you for choosing XXXX to supply all your rug needs. This represents your faith and trust in us. 

Please let me know if you have additional inquiries and I'll be glad to assist you further. 

Sincerely, XXXX | XXXX Customer Satisfaction XXXX XXXX Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX XXXX XXXX  Customer Satisfaction XXXX XXXX : XXXX
Product: Checking or savings account

Citibank has removed me from XXXX XXXX XXXX as requested after they did their research but I was still denied an account because they never removed said account from XXXX. I will screenshot a copy of the letter from early warning and Citibank showing that I was not at fault and Im filing this complaint with the cfpb so that way Citibank can remove me from XXXX  as well before the month of XXXX is up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing XXXX XXXX on my experian account and they have failed to remove this account yet the other credit bureaus have deleted from my credit report. XXXX XXXX shows false information and cant give factual information. The account they are reporting is identified as a ''repossession, yet XXXX XXXX continues to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i sent a dispute request to experian in regards to some information that was incorrect. It has been passed 30 days and they have yet to acknowledge my request and dispute.