23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was offered a streamline refinance with Freedom Mortgage, which was supposed to be a quick process by what I was told. I agreed to proceed and have my rate reduced as well as my payment and believed I was in good hands. I was told this process was to take about a month to process. This was started back in XXXX and it is now XXXX and I have not heard from my main contact named XXXX XXXX. The last contact I received was to supply a survey for the tile company and after this was completed I have received no emails or call backs to answer my questions about this process. I have sent multiple emails to XXXX XXXX, XXXX XXXX, XXXX XXXX, and Customer Care with the only response of " we will direct this to the proper department ''. Note : this response was from a customer care representative, not from any of the individuals named above, they have remained silent and have yet to reach out to me over the many emails I have sent. The main reason to proceed with the streamline refinance was to help ease financial stress due to the current global situation. Now 5 months later I have yet to reap from the benefits of this program which I believed was being handle by a competent team of individuals. I would greatly appreciate if I can receive the lower rate in which I was promised and locked in over a recorded line as well as signed documents. I would also like to have up to date communication on this process and have it actually " Streamlined ''.
Product: Credit reporting or other personal consumer reports

I have a security freeze on my credit report. However lenders are still able to able to pull my credit file. Via Experian. Which has cause significant drop in credit reporting.
Product: Credit card or prepaid card

Victoria secrets card-I made {$700.00} payment and it didnt tender it as shouldve been. Ive paid on bill date before and no issues. The one time Id was large payment they didnt post after billing out. Regardless the gd money was paid early on the account not late as it reports! Also while trying to resolve this matter they knocked half of my avail credit away-permanently! I didnt agree to this and I was not late! I have paid same bill date before. Comenity is ripping me off at ruining my credit score! I have since been denied benefits I pay for! They also closed Wayfair account that I jus opened. Im suffering from them moving locations and refusing to speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from EQUIFAX The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires : XXXX XXXX Inquiry : XXXX XXXX, 2022 I ask Equifax to please remove this inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Debt collection

the problem is that I was at a person 's house in XXXX when I left his house he used my social security to open credit cards in capital on and use it I see that on Sunday and I let him know that he said it's him I'm going to have the bank take action with this person for identity theft because it's not the first time he's done that
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block inc ) due to inadequate customer services and unfair practices which violates the consumer financial protection Act specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer Act and regulation E.these actions has caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Vehicle loan or lease

There is a serious mistake regarding my agreement with XXXX XXXX XXXX and the manager XXXX XXXX. I agreed to the vehicle sales price of {$9700.00} listed on their website on XX/XX/2021. NOT XXXX. That is {$2100.00} I need to be taken off my loan amount and vehicle sales price. I have filed official complaints with the XXXX XXXX XXXX, as well as the Federal Trade Commission. 

Also, the odometer was XXXX miles more than originally listed off of their website. The present mileage is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputes within 30 days. 

In 2024, I disputed inaccurate information on my credit report related to items being past 7 years and changing the name and being added back to credit report Despite providing necessary documentation, TransUnion has not investigated the matter or provided a satisfactory response, and the disputed information remains unresolved. 

This is a clear violation of the FCRA, which mandates that consumer reporting agencies ensure the accuracy and completeness of the information they report and respond promptly to disputes. 

I request that the CFPB investigate this matter and ensure that TransUnion follows the law by conducting a full investigation and correcting any inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.
Product: Debt collection

The original collector turned the account over to another collector ( Paramount Recovery ) account open dates currently shows XX/XX/XXXX, the actual original collection open date was XX/XX/XXXX. The company Paramount Recovery, whom I have not received any services from nor had any contract with has placed collections on my credit report in the amounts of {$200.00}, {$220.00} and {$920.00} with an open date of XX/XX/XXXX. I have placed disputes through all XXXX credit agencies at least twice and I have not received a fair response as yet. This company has yet to prove that I owe them for any services, still the debt shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Equifax received a letter from me disputing a XXXX XXXX XXXX collections account listed on my credit report. I had previously submitted disputes to Equifax regarding this account in which they responded with this account as " verified ''. I followed up on this account and disputed it via mail directly with the collections agency however I did not receive a response and noticed that the address the collections agency has listed on my credit is inaccurate. According to the FCRA all information reporting on my credit reports must be accurate, verifiable and report timely. 

In my dispute that Equifax received on XX/XX/2020 I disputed the collections account again and cited the collections agency incorrect address information reporting on my credit report as well as the fact that I sent a debt validation request for this account to the collections agency directly and did not receive a response at all from them- which is illegal under the FCRA. Along with my dispute to Equifax, I attached 2 copies of my Identification which verified my personal information and address, 1 copy of the usps tracking information which showed that the address they are reporting on my credit report is incorrect and a copy of my credit report with the collections agency information that is reporting. 

On XX/XX/XXXX, I received a stall letter from Equifax saying that they were unable to locate my credit file and requesting additional forms of identification. This tactic is not appropriate at all, stalling affords Equifax additional time to investigate my dispute which is unfair to me. I submitted all documents including my ID with my dispute, Equifax is in clear violation of the FCRA. Equifax has not used reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further which is adversely impacting my credit history, credit score and ability to obtain further credit.
Product: Credit card

In XX/XX/XXXX a credit card I have at Bank of America, that I did not open, was charged {$10000.00} in my name. The money was transferred to an account at XXXX XXXX, a bank I have no account with. For some background, in XX/XX/XXXX I purchased a car. The original loan was financed through XXXX via the dealership. I refinanced the car myself in XX/XX/XXXX for a better interest rate with XXXX XXXX XXXX. The loan to XXXX was then paid off in XXXX. I then had no account with XXXX XXXX. I contacted XXXX XXXX  and they verified that I had no account with them at all since XXXX. Bank of America is saying I used the {$10000.00} to cover an overdraft. What overdraft, where?!? I am getting no answers, I would never use a credit card to pay a bill. I pay my credit cards off before the they are due. I have excellent credit. I am very responsible with my money. A few months before a credit card was taken out in my name at XXXX and {$10.00} was transferred to some account. I was contacted immediately, and it was clearly fraud. They closed the case. Bank of America never contacted me when this transfer was made and they charged me a {$300.00} transfer fee! I didnt know this occurred till I looked at my statement, and was shocked. I reported it immediately. I have been on the phone 6 times with the XXXX department at Bank of America and have gotten nowhere. I froze my credit cards with all the credit bureaus. Someone has my information and I feel helpless. What can I do? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to SSA to retrieve Personal Information from said site! ... Had to answer Security Question, 4 of  them, and marked the NONE OF THE ABOVE, on all of them, and was locked out by the SSA website, because the Verification could not be verified ... So, I decided to goto the Annual Credit Report! ... XXXX, no issues ... Equifax, same information, get tapped with the same 4 questions on Equifax as the SSA website! ... Locked out from my Own FREE ANNUAL CREDIT REPORT! ... Then I checked the XXXX, and got 2 of 4 questions right ... I called Equifax and the dude I spoke with said that he could do nothing for me and that he would send out my Report, however, he did not address my issue as to why I called ... Any Information that does belong on there or belongs to someone else! ... I want to be able to see this information that is picked up by any third-party verification processor! ...
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX ACCOUNTS XXXX Account XXXX XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX XXXX {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed XXXX {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$560.00} XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXccount number XXXX Date opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3400.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Closed XXXX {$560.00} XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX To XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I faxed an additional letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no changes to inquiries, on XX/XX/XXXX I sent a second letter via certified mail. I received correspondence from the credit bureau dated XX/XX/XXXX and again dated XX/XX/XXXX but no changes to inquiries were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have called the representatives and putting in disputes with them over the phone. I have also mail them letters within the past year, disputing some of my accounts on my record. I have also asked how my credit report is reporting because sometimes it's not within 30 days. I I also disputed within the last year some fraudulent credit card inquiries that were not done by me. They have refused to removed any of these items that I dispute it coming back that they are legitimate, but not providing any proof.
Product: Checking or savings account

Visa debit card was stolen on XX/XX/2018 and used in XXXX, XXXX at a merchant named XXXX XXXX for several transactions, list following. 
{$1200.00} {$640.00} {$570.00} {$120.00} {$100.00} {$46.00} I contacted the bank that night ( XX/XX/XXXX ) and spoke to Customer Service. Husband was XXXX on military orders in XXXX, so I was advised to get in touch with him to see if he had made these charges because they wer from XXXX. Spoke to husband, and confirmed he hadnt made the charges. 

Called customer service again on XX/XX/2018 to have card turned off and fraud claim submitted. Was told that I should know something within 1-2 business days. 

Wednesday XX/XX/2018 my husband called from his post in XXXX to USAA customer service. He was forwarded a document stating that there would be credits issued for these charges as they investigated. 

Friday XX/XX/2018 XXXX I contacted USAA again regarding the claim. I was transferred to the fraud department, where I was told by an agent that my claim had been denied because the chip card was used and could not be duplicated. 


I called the number listed for debit card fraud, and spoke with a security agent who advised me that all fraud claims that have been submitted for the last two weeks by any of the account holders had been denied. 

I was then given an email address to submit my questions to, and told that the fraud agents could not be reached by phone, not even by other banking employees. 

In the mean time, I am out over {$2700.00} that I did not spend, and am unable to pay any of my bills. 

I was not contacted by email, as it stated I would be, and had to find out that my claim was denied over the phone. And that it would take approximately 72 business hours for the fraud agents to respond to my email. 

Both USAA and Visa claim to have a zero liability policy against fraudulent charges, however they denied my claim. How is this zero liability?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XX/XX/2020 is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX and Experian reports donot match the XXXX Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.
Product: Credit reporting

I have reported the information being inncorrrect to Equifax over ten times an no response for over ten years.
Product: Checking or savings account

My account was hacked om or about XX/XX/year>. The bank kept putting road blocks on my acount preventing me from with drawing any funds. They even required me to return to XXXX so that i could log in on my desk top. They refused to allow me to use my laptop to log in. Once in XXXX they again refused to help saying they could not give me a code because i have VOIP. So they ha to mail me a code. I received the code i attempted to transfer money from my account. They canceled the transfers as i attempted to transfer money and then requested to close the account and transfer the balance of my money. A ; ; transfer were canceled the next by the bank as i attempted to make to with draws in two days. Iit has been a month and i still dp not have any of my money. The bank was hacked but they treat me as the criminal ..PLEASE HELP
Product: Debt collection

Phoenix financial claims that I have a bill of {$430.00} in there office from a medical bill in XXXX  I tried disputing this account on XX/XX/XXXX but it came back as verified from all XXXX bureaus with no verifiable documents supporting their claim. I have submitted a debt validation letter also and didnt receive a response. There saying I owe this debt but they dont supply the proper documents. This account has put a tremendous amount of hurt on my credit report hindering me from obtaining credit products from certain institutions.
Product: Credit reporting or other personal consumer reports

Experian has been requested multiple time for the past 12 months to remove the Address, XXXX XXXX and Address ID for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as well as any accounts associated with those address. Experian has both ignored the requested and falsely stated theyve updated my address when they really have not made any change. Attached is the response where they claimed to have changed my address as well as my correct ID and this paper and digital copies of the address change they never actually made.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$5300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.