23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Twice now in three months I have received a credit card ready for activation in my name that I did not apply for. Synchrony Bank is allowing anyone with a small amount of information to apply and get a credit card sent to my home. Since Synchrony Bank is in both cases the card provider, I suspect they are the real problem. I have read other reports of the same nature involving them. This needs to be stopped.
Product: Credit card or prepaid card

i have disputed some unauthorized transactions to company twice. i have filed a complaint against them also for not filing the first time undisputed the transactions. i have been waiting since XXXX for them to resolve my issue since i did not make the transactions i should of had my money back on my account.
Product: Mortgage

I, XXXX XXXX XXXX, XXXX has tried for nine months and file six complaint to Consumer Financial Protection Bureau ( CFPB ) to no avail. They're trying to transfer my loan to XXXX XXXX  but has stated that they have only five payments from me. I have never been connected to a company so incompetent as Dovenmuehle/XXXX XXXX, all veteran of the XXXX Forces please be aware and never get involved during business with these two companies. This company place my loan into forbearance without my knowledge as they were suppose to be working my complaint. If, they tell you they're faxing your documents over to investigation department please be advise you're screwed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XX/XX/XXXX. XXXX XXXX {$120.00} purchased XX/XX/XXXX. Fraud Claim Investigation Results does NOT GIVE A CLAIM DATE. It gives a TRANSACTION DATE and says THE CREDIT WE DEPOSITED AT BEGINNING OF INVESTIGATION HAVE BEEN REVERSED. THIS RETURNED ITEM WAS NOT REPORTED AS FRAUD. ** Kindly Note USAA fraud policy places ( adjustment purchases temp credits provisinal credits awaiting merchant credits within 5 days of fraud reported. THERE ARE NO USAA CREDITS TO REVERSE. This item was returned to the store and WAS NOT REPORTED AS FRAUD BY ME. XX/XX/XXXX Credits provided by XXXX XXXX were reversed and NO USAA CREDITS WERE DEPOSITED AS FRAUD WAS NOT REPORTED. Let this letter prove NO TEMP PROVISINAL ADJUSTMENT PURCHASES WERE GIVEN XX/XX/XXXX. ( see statement XX/XX/XXXX ) TO BEGIN FRAUD INVESTIGATION FOR THE {$120.00}. USAA RETAILATED AGAINST ME FOR REPORTING ID THEFT claiming I reported what I returned to the store as fraud. UNTRUE. This is slander/defamation and if XXXX  does not fix what USAA reported XXXX  becomes an accessory to slandering my good name. I DID NOT REPORT FRAUD ON RETURNED ITEMS. THAT IS A LIE FROM USAA ( XXXX XXXX. )
Product: Student loan

On XX/XX/XXXX at XXXX EDT, I received an email from XXXX XXXX   that implies that I am currently enrolled at the XXXX XXXX . I  graduated on XX/XX/XXXX and NSLDS accurately reflects my end of attendance as XX/XX/XXXX. I believe that I should not have received this letter from XXXX and that actions should not be taken on my loans. My loans should be treated the same as how XXXX treated them before XXXX transferred my loans to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry on my Experian credit report. I recently retrieved my credit report and it showed a credit inquiry that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiry and asking for their removal from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX 6. XXXX XXXX  - Account # XXXX 7. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 9. XXXX  XXXX XXXX - Account # XXXX, Account # XXXX
Product: Credit reporting or other personal consumer reports

I received a response for my previous complaint that said GM Financial has sent a response to the consumers complaint offering an explanation of the account status and a point of contact for follow up questions. 
Also it said GM Financial has submitted a request for an account adjustment per the consumers correspondence. In the response Gm financial stated : On XX/XX/XXXX, a cease and desist of telephone communication was documented to the account to ensure you do not receive further telephone calls, as requested. While you XXXX no longer receive telephone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law. You must contact GM Financial if you want to remove the do not call status from the account so that we XXXX contact you again at the phone number you allow. But the cease and desist letter I sent clearly stated to Please cease and desist all collection activity regarding this account immediately. 
XXXX XXXX XXXX ( c ) Ceasing communication Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
Also gm financial XXXX GM Financial is required to report truthful and accurate information to the credit reporting agencies. We reviewed the account data sent to them and determined the information is accurate. 
On XX/XX/XXXX, the date we last reported, the account status was charged off with a {$18000.00} deficiency balance and an account payment history of XXXX, XXXX and XXXX. The date of the reported delinquency is XX/XX/XXXX. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the Fair Credit Reporting Act ( " FCRA '' ). but upon checking my credit file the last reported date was in XXXX of XXXX also the date opened on all three are completely different, and the date of last activity are also completely different on all XXXX credit bureaus. The response also stated that gm financial sent an adjustment request to the credit bureaus but there has been no adjustment made. Exactly what adjustment is suppose to be made?
Product: Mortgage

Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I sent a letter to Equifax over 30 days ago on XX/XX/2020 with the unknown accounts and inquries along with police report. Those accounts that was to be investigated and removed are XXXX XXXX  and XXXX. Its also an unknown inquiry showing up on my report from XXXX XXXX XXXX. Equifax never responded to my letter or did they remove these accounts from my credit report and its been longer than 30 days.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  Balance Owed : {$360.00} XXXX XX/XX/2023
Product: Checking or savings account

This has to do with the class action lawsuit against Webster bank several years ago, they had to pay back their customers because they were found guilty of putting through higher check amounts causing lower check amounts to become overdrawn, thereby costing the XXXX OD fee on more checks than if they had paid those. I never received my payment from them. I followed through with everything I had to do but still never received my payment. I can not afford an attorney to do this for me but I had a lot of months this happened to me, I know I'm due something, and right now I need every dime im owed. Thank you in advance for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXX group, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from XXXX continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with Experian. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at Experian who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to XXXX, Experian, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to Experian, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If Experian looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of Experian, and the services provided is appalling.
Product: Credit card or prepaid card

I went to log in to Milestone ( link below ). When I logged in, I was prompted by an alert to enroll me in paperless statements ( which I'm certain I had already enabled ). When I clicked, " Accept '' it came up with an error page and to " retry ''. When I clicked retry, it popped up the exact same prompt as the enroll in paperless statements except that it had changed to " Enroll in credit monitoring service ''. It looked exactly the same and it wasn't until I hastily clicked accept ( since I was under the impression that I was retrying to enroll in paperless statements ) that I realized what it said. There was nowhere online to unenroll in credit monitoring so I had to call to cancel the $ XXXX monthly service it had just tricked me into cancelling. Luckily, they did not charge me for it yet. The representative took my call and I didn't have to explain. The tone of his voice sounded like " Another one of these ''. Like that was his job to take in an influx of calls about unenrolling people that had been tricked into the service. As this was a normal sign-in and wasn't repeatable I don't have logs or screen shots. 

- Tricked me into a credit monitoring service be bait-and-switch - Enrolled me and then made it inconvenient to cancel by calling ( a whole lot easier to enroll that cancel ) - Seemed that they knew of this practice when I called. 

https : //milestone.myfinanceservice.com
Product: Mortgage

Citizens One Home Loans collects my mortgage payment every month online. I schedule my payment beforehand to make sure it reaches on time. However when I schedule the payment, it does not show up online. I have brought this issue up with the company in writing many times, however they have not done anything about this issue. 

Often I forget whether I have already scheduled the payment or not, since there is no way to check online I have often ended up paying more than once in the confusion. Both payments are then locked in, the online system has no option of canceling the extra scheduled payments either. 
This ties up my household finances, mortgage is a huge expense for us. 

My complaint is that all other online portals, e.g., credit card companies, always show clearly when a consumer has scheduled a payment. The same standard should apply to a mortgage company. 

If I schedule a payment, it should be recorded and be clearly available for me to see somewhere.
Product: Debt collection

I never received notice of this bill I was check my credit on XXXX   and saw this medical bill from : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  ( XXXX  ) XXXX Opened XX/XX/2017 ( 3 mos ) Placed for collection Original Creditor Name XXXX MEDICAL CENTER
Product: Debt collection

I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is PHH.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my credit freezes and XXXX XXXX XXXX XXXX stopped an attempted identity theft usage of PII to obtain credit : " we detected XXXX  XXXX XXXX trying to access your Frozen XXXX credit file. '' I immediately contacted XXXX XXXX to initiate a fraud investigation. I further contacted XXXX XXXX to initiate their fraud investigation. I additionally placed personal Initial Fraud Alerts on all 3 major bureaus. I will be filing a police report when the department opens, today, XX/XX/XXXX. 

On XX/XX/XXXX, I received two emails from Experian notifying me of additional Initial Security Alerts being placed on my credit report. The link is inaccessible, and has been saved to the XXXX XXXX  for verification, and is shown by the XXXX XXXX to have never been active since at least XXXX search history. The automated phone system is unable to place requests for free copies of my credit report. All attempts to reach a human are rebuffed with " only under limited circumstances ''. 

" from : Experian XXXX to : date : XX/XX/XXXX, XXXX subject : Important Information mailed-by : XXXX XXXX XXXX XXXX We have added an Initial Security Alert to your credit file as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This Alert last for one year and alerts credit grantors to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 

You can request a free copy of your credit report at experian.com/initialfraudreport, by calling XXXX XXXX XXXX XXXX or in writing. If you write to us, indicate that you are or feel you may become a victim of fraud or including identity theft, and are requesting your free credit report. Send all of the following : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling XXXX XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off two credit cards totaling {$2500.00}. Balances left @ {$0.00}. Debt to credit ratio dropped to 2 %. Transunion dropped my credit score by XXXX points. No other activity or changes posted. I assumed it was a mistake and gave them a few weeks. XX/XX/XXXX I open a support chat online and was given general info. I called Transunion and verified my identity and my report was looked at. I was given a ridiculous the excuse, " They can't make changes to my score because system does it automatically ''. I couldn't access my report or score online because I had just opened a dispute for fraudulent " XXXX XXXX '' collections by XXXX for {$1200.00} after recently disputing the same charges by another collection agency. I made myself very clear that no other changes were made to my report besides dropping my debt to credit ratio. I also explained that I was denied credit by XXXX because XXXX XXXX only utilizes Transunion for their reports. While a few days later I acquire store credit from Stores that do not use Transunion solely. I was denied credit because the phone operators did not look in to my account. This is probably because they are swamped or don't have the clearance to make corrections. Reading from a script might be okay for telemarketing but it's not acceptable when it comes down to protecting consumers from fraud and theft. I didn't expect to be denied credit and ignored while working extremely hard to repair my credit to purchase a home soon.
Product: Money transfer, virtual currency, or money service

am filling 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 procer 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  an XXXX of XXXX  XXXX I transacted funds of XXXX XXXX my wife she neve got then an I never got it back an a funds ticket for XXXX they never returned it an no one was availing to fix the issues at all bam trying enter since to get help
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. 

XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX  # XXXX has violated My rights XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX # XXXX Transunion # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Product: Mortgage

I applied for a HELOC with PNC in XXXX. Theres a {$50.00} annual fee. I stated Ive paid enough to PNC in interest over the 8 years Ive had my mortgage. Im not paying an annual fee on my HELOC. I stated Id just cancel the application. 

I was told this would be waived. This was stated over the phone and through email. I am being charged the fee in XXXX. Its not about the amount. Its the principal. I would like to just close the HELOC, but theres a prepayment penalty.