23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I m making a complaint against my mortgage company. I feel theyre giving me the run around with my mortgage. I had a case against them that was settled out of court. I signed the last papers of my settlement agreement XX/XX/XXXX. I set up an online account. They acknowledged the account and welcomed me. I had a few questions about certain items that didnt seem right. I was locked out of the account and told I had to talk with my attorney because the case was still in litigation. I did and shortly received a email from him. The email was between him and the mortgage company attorney stating the litigation hold was off the case and they could talk with me. I m sending you a copy of the email. I talked with them until around XX/XX/XXXX because I didnt get true answers. They would tell me something would be done in 10 days call back. I would and get the same answer call back in 10 days so I stopped calling until XX/XX/XXXXof this year. I I called to see if I had a XXXX XXXX tax statement coming. They said they had mailed them on XX/XX/XXXX. I didnt get it so I asked If they could email it to me they said they mailed it to my attorney. I called him, he said he didnt receive anything because he had moved and had a new address. I called the mortgage company back and they said they couldnt talk with me because my account was still in litigation to call my attorney. Ive talked with him and he said he would talk with them. I have been back and forth between the attorney and the mortgage company since XX/XX/XXXX. The mortgage company said he needs to get in touch with them. He said he tried to call their attorney and finally he said to call him on XX/XX/XXXX at XXXX to do a conference call. I called XXXX no answer, left messages no call back. I called one last time the next week still no response. 
I m also sending you a copy of the escrow statement I received from the mortgage company. Up to receiving that statement I have received nothing from the mortgage company. The escrow statement and a check for over paid escrow payments for property taxes amounted to {$190.00}. They had been charging me over {$2200.00} too much for property taxes. They acknowledged it on the escrow statement. What I dont understand is how a {$2200.00} over paid equal to {$190.00}. Even if the hazard insurance went up {$340.00} it still doesnt add up to {$190.00}. Im sending you a copy of the statement. There are more things I not saying because I signed not to disclose the terms of settlement agreement. I have faithfully paid what they asked me to pay although I felt it was the wrong amount. I feel cheated and taken advantage of. 
The mortgage company is Mr. Cooper previously Nationstar.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each XXXX XXXX XXXX now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec XXXX credit agencies are not validating credit account. They are simply verifying my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card from XXXX today and it showed up on my equifax as a hard inquiry.It was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached military police report. I need the fraudulent account removed from my credit reports. The fraudulent account for XXXX XXXX Indiana is still be reported by Helvey and Associates.
Product: Prepaid card

I have purchased XXXX American Express electronic gift cards ( eGift cards ), each in the amount of {$300.00}, for my family to use. The cards have been impossible to use, and the {$1500.00} amount is therefore blocked. They have been declined at several merchants ( which subsequently were able to charge my regular credit cards without problem, including American Express XXXX XXXX ). 

I called American Express pre-paid gift cards customer service ( XXXX ) multiple times, but they were unable to solve the problem. All they can do is to inform me that " the card has been declined, and I should try to use it at a different merchant ''. 

It's also not a problem with just XXXX of the cards, it's a problem with all XXXX of them. A quick XXXX search for " American Express gift cards don't work '' reveals many discussion boards with people complaining of the same problem. I am shocked there hasn't been a class action lawsuit on this yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that  items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has officially filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of the 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 dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX ( Friday ) at approx XXXX pacific time I sent a transfer of XXXX Ethereum from Coinbase to their Exchange platform XXXX. These transfers are supposed to be instant and free, they are advertised as such, and have always been for me in the past. 

On this occasion the XXXX ... ETH never appeared in my XXXX account and appears to be floating around in cyberspace somewhere. 

I have opened a case with XXXX via email Immediately and havent heard back, my case number is # XXXX. After opening the case via email I sent a written letter to Coinbase in XXXX XXXX, I then called and waited on hold for 2hrs before being disconnected. I waited on hold the next day and was again disconnected after 2hrs. On the 3rd day I got through to a representative of Coinbase after 1hr45min. 

Talking to customer support he assured me the issue would be resolved in my favor, I received an email right after the call saying the problem would be sent to the appropriate department. This phone call was a week ago and havent heard anything since about my missing Ethereum.

When I sent the Ethereum its value was approximately {$2200.00}, the approximate value of the Ethereum is now {$3600.00}.

Please help me get my Ethereum back. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I disputed inaccurate information on my consumer report. XX/XX/2024 this information came back verified and accurate. After receiving a new copy of my consumer report I realized the CRAs was still reporting a generous amount of inaccurate information.
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 {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Credit card or prepaid card

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Product: Checking or savings account

my name is XXXX XXXX XXXX i have been getting unemployment in tn since may- XXXX and ive reported it multipal times and havent been able to contact anyone bc the ppl are putting apps on my phone so they can controll who i call ... they have my ssn- birthdate - and my way 2 go card number i reported it got new one they been watching me got that card number thy transfering my money before i get to atm
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

Unknown to me, my Capital One  XXXX card, with a reward balance of XXXX was closed. Details below. 

At some point in mid XXXX XXXX XXXX  I attempted to make a purchase with my Capital One XXXX card. It was declined. I called the company and was asked to send in proof that I was the account holder. Capital One sent me a link to upload pictures of the front and back of my drivers license. Which I did. 

After not hearing from them for about a week I called back. The representative said the bar code on the back of my drivers license was not clear enough and asked that I go through the upload procedure another time. Which I did. 

Again I called them back after a week or so. Still they could not verify account. 

Next, my wife, who is on the account and I went to the local branch office with our IDs in hand and they still were unwilling to verify that I was indeed the account holder. 

The next correspondence I receive from Capital One is a letter stating my account has been closed. 

I called them and asked what happened. The representative stated I was sent notice that I had 45 days to rectify my issue or they would close the card out. I never received such a notification. Ive attached a screenshot showing only one document from Capital One sent to me in 2023 and this was the closure notice. 

Attached is the closure letter, my last credit card statement showing my reward balance and a screenshot showing all correspondence from Capital One in 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are not doing anything in regard to the fraudulent information reported in my credit report. It is unfair that my creditworthiness has been damaged due to this fraudulent activity. 
My personal information got exposed in XXXX XXXX XXXX during the XXXX  data breach. Somebody without my knowledge opened up multiple fraudulent accounts by taking my information. 
Additionally, this unauthorized person used an address I had never lived.
Product: Mortgage

I received your response on XX/XX/XXXX regarding XXXX XXXX through CFPB, Let me tell you that I never shouted on XXXX XXXX or XXXX, she is lying. 

I can go through a Lier detector test. 

I did not shout on her at all, she called me and I explained her the matter, she replied that she did not understand, I politely told her that I am busy at the moment and I already explained the matter to her twice, so if she has any questions she can email me, as soon as she heard that she was the one who started shouting on me and then she hung up the phone. 

I do not know how can you hire such a person as an attorney who is a Lier.
Product: Credit card

XXXX/XXXX/2025 A XXXX XXXX vendor named XXXX XXXX fraudulently charged {$1400.00} to my USBank XXXX XXXX XXXX for a {$8.00} or XXXX XXXX XXXX XXXX XXXX ride. 
XX/XX/year> Immediately disputed the transaction with USBank. Case ID : XXXX XX/XX/scrub>/2025 As requested, wrote a letter to USBank XXXX department describing the fraud. 
XX/XX/scrub>/2025 Attempted to contact vendor directly. XXXX XXXX XXXX XXXX XXXX. " Call could not be completed as dialed '' was the response. 
XX/XX/year>2025 After numerous requests for remedy, USBank refused to reverse the charge. and wants to close the dispute.
Product: Bank account or service

On XXXX XXXX, 2016 I received an email from PayPal saying I 'd added a new address to my account. I have not taken any such action ; in fact, I have not used PayPay for several years. I 'm note even aware of the account number I used at the time. I tried to respond to the email and the email address would not let me. I tried the " if you did not make this change '' link on the page and the link does n't work. 
On XXXX XXXX, 2016 I received another email, this time from XXXX asking that I confirm that I added a new address to my account. Again, I tried to respond to the email and the address wo n't let me. 
I haven no idea where this is coming from and fear that someone may be trying to use my identity. The name they 're sending to my email address is not me, as shown in the attached emails ; and the address is in XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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: Money transfer, virtual currency, or money service

Coinbase took {$50.00} from my bank and i bought {$50.00} in crypto. Coinbase had issues receiving the money from my bank, but ultimately ended receiving payment. Coinbase took my {$50.00} from my bank, and Coinbase took my {$50.00} in crypto, leaving me without either one after i paid for it. There is no Customer service agent for me to talk to on the phone or through live chat. They do not respond to emails, and there is nothing i can do, Coinbase stole my money and my crypto, and there is no customer service department to report it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 'S XXXX XXXX, XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Mortgage

I recently refinanced my residential mortgage with LoanDepot. The loan number is XXXX. The closing took place on XX/XX/2020 ( in person and socially distanced ). I was provided a hard copy of the closing documents. In the closing documents signed on XX/XX/XXXX, the loan amount was {$580000.00}. A closing balance from me, as the borrower, of {$1600.00} was required. Hence, I wired the {$1600.00} as instructed. So far so good. However, replacement closing documents were unexpectedly provided to me on XX/XX/XXXX. In those documents, the loan amount was increased to {$580000.00}. I was surprised by this, but, nevertheless, the terms were acceptable to me because a balance would be owed to me ( and, of course, my out of pocket costs would be refunded ). I signed the documents electronically. According to these replacement closing documents, I would no longer owe {$1600.00} out of pocket at closing. Instead, they showed that {$560.00} would actually be owed to me. Of course, since I already had paid the {$1600.00}, that amount would need to be refunded to me. In addition, {$560.00} would be paid to me. This totals {$2200.00}. I took screen shots of the documents that were provided to me on XXXX and signed electronically by me on that day. 
On XX/XX/XXXX, I wrote to LoanDepot to obtain their plans to pay me. I have since then made repeated requests and they have only said that they would look into this. I am now disturbed by their continual lack of attention to this matter or even to confirm that they owe me money. If this were difficult to figure out, I could understand their lack of a substantive response. However, not only is it straight forward, but all of the relevant information is in their possession. This should be routine for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a review of my credit report showed that a collection account has been reported to my Experian credit report. XXXX XXXX XXXX is reporting that an account was opened with an original creditor, XXXX in XX/XX/XXXX in the amount of {$730.00} and is now in collections. This information in not accurate and this account is fraudulent. I have no knowledge of this account, nor have I ever consented to an account with XXXX  being opened in my name. Given that the account is fraudulent, continued reporting of this account is a violation under the FCRA and therefore must be removed.