23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We worked with a gentleman name XXXX XXXX at RH Funding for a mortgage upon putting an offer in for a home, then we worked with the manager XXXX XXXX. From beginning to end, RH Funding took advantage of us ( we do not understand the entire home process as well as some, as XXXX is a second language ). XXXX told my us that we would n't be able to get a loan anywhere else and we were really lucky to have gotten approved for an FHA loan ( who we were also told by manage XXXX XXXX was the go to go for these types of loans ). We believed that this was our only option ; RH Funding played on my our naivety to the home buying process. 
RH Funding would lose [ IMPORTANT ] papers that we sent them, so they would have to call and we 'd have to resend them. This happened at least weekly, until XXXX was FIRED about 4 months into the process ( and even a few times after to " fix the mistakes that XXXX had created ''. We were also told that he had manipulated/screwed up several other mortgage deals ). We had to extend the closing FIVE times. They talked us into an FHA loan, then told us we could n't move in until repairs from the appraisers reports were fixed ( which we were told the appraisal fee would be {$450.00}, but then that changed to {$500.00} after the appraisal was done ). Because we refused to make repairs on a house that was n't legally ours, the only other option aside from starting the process over was moving to an FHA XXXX loan, WHICH IS A HIGHER INTEREST ( almost 1 whole percent ), and delays the process unnecessarily. Oh, and costs another {$150.00} to rewrite the appraisal to fit this type of loan. 

XXXX, as the manager, kept placing the blame on XXXX, who certainly does play a big role in all the aforementioned issues. But as the manager of that branch, XXXX must take the blame as well ; if he 'd been diligent and stayed on top of his employees work, we 'd never have had this issue. He gave XXXX and XXXX XXXX ( XXXX XXXX Agents ) attitude at every turn, although none of this was their fault ; our attorneys have also had nothing but issues with XXXX every time that they 've worked with him ( which has been several different contracts ). 

This entire process has left a sour taste in our mouth ; instead of exciting, it was stressful and almost not worth it. RH Funding took advantage of us, which poses a moral and ethical issue ; we 've spent countless hours and far more money than was necessary into the process already, and keep finding more and more issues. The contract on the home expires today, and the underwriters at RH Funding came back and said there was MORE that needed to be done ( about {$5000.00} added to the mortgage more ; all things from the inspection report that was done in XXXX that they have n't even looked at! ). I 'd hate to say everyone is incompetent, but you 're only as strong as your weakest player. We 've since had to cancel our offer on the home, and are left at square XXXX, with over {$2000.00} lost.
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/XXXX. I am writing to request an investigation of the following account. I never opened or used this account or authorized these inquiries. I am requesting the deletion of the following information from my Chex Systems consumer report immediately. Bank XXXX XXXX Acct. XXXX, XXXX. XXXX. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that XXXX credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not object to the following items listed below, which are responding incorrectly due to fraud, I will turn over my records to my lawyer to launch a legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX {$110.00} I called about 15 times in the month of XXXX to try and get them to understand that I dont owe them a XXXX. One person told me it was because it was a deposit in another person told me that I owe money from when I spent money on the card so now I owe money that theyre claiming that I dont owe and they keep telling you guys that it is a duplicate. It is not a duplicate. I asked them if they can send me something stating that I or deposit with my signature and the contract
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and on XXXX XXXX I transfer money to XXXX XXXX through XXXXe/zelle {$1200.00} to cell # XXXX it was the wrong number, I was notify by XXXX XXXX the next day, she never received the {$1200.00} on XX/XX/2021 I contacted XXXXZelle open a claim # XXXX they told me that they will contact the bank for the recipient to return the money, I have called the cell number XXXX no answer, I text them twice asking them to please return my {$1200.00} no reply by him/her the XXXXzelle told me that they will return my money back on XXXX XXXX but they never did. 
so I called XXXXzelle customer service XXXX XX/XX/2021 and they told me, they have mail me a letter with a deny result and that I have no right for claiming my money So in XXXX/ZELLE their law it is ok for a stranger to still my money because the banks are giving them permission for strangers to keep others customers money, with no punishment, which means I am the criminal here for making a human mistake, my punishment is losing my {$1200.00} I would like your help, I need to find the identity of this individual so I can report him/her to the police department please, I am XXXX XXXX XXXX and retire I must recover this money the bank XXXX told me they very sorry they can not help me, I asked them information about the individual that they allow to keep my money and they also denied me to report this person that stole my money, they told me " we sorry we need to protect the customer identity for secure purpose " So who protect me? 

XXXX never mail me the denied letter I need to know why they lie, I called them asking them about my mail letter they did not want to mail me another one I think they are hidden something maybe ZELLE is stilling my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. 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 an account without my written instructions.
Product: Checking or savings account

Thank you for your help. I the beginning of XXXX I had a privet banker from PNC XXXX BANK contact me to open a CD. I had a large amount in my money market account opened XXXX 5.15 % that was wrong. Then he wanted my trust docs. Next day wanted my wife 's trust docs. I told all my accounts were under joint trust. Then on another date he wanted our joint trust that are not active I cancel this CD and told him he had mislead me, I would have never done this. I told him I was going away for XXXX weeks. I have all the email I could send from my XXXX. His name is XXXX XXXX phone XXXX. I see on my account they charged {$1200.00} Approximate. I was never told any of this it was only a XXXX mo cd and he didnt need trust until it was done. 
He said the XXXX client would handle this. 
I called XXXX  times no call back XXXX XXXX. 
phone XXXX email XXXX I also have emails he lied about rate. My complaint is that I was never told I need trust info until it was opened, it should have never been issued and I told him I wanted the interest on the money the had in CD for those day. 
PNC are nothing but crooks and this call made to me to open this was FRAUDULENT I never told him to call us. 
Thank you XXXX XXXX XXXX : I will attach all emails if there is some way from XXXX. I will not be home XXXX XXXX weeks
Product: Credit reporting or other personal consumer reports

I recently noticed that your company made inquiries on my credit report without my approval.
Product: Debt collection

Received alert on credit report about collection from credit management about a bill from XXXX XXXX XXXX XXXX XXXX of the debt with a contract signed with by me with signature they only provide a address over the phone past due balance is {$730.00} but balance due is {$1300.00} an that could not be explained.Im requesting proof of this debt is mine with contract or something with my signature on it to validate the & also never had no contract on any with the credit collection company to have a passed due balance showing on my report asking is the information can't be provided the are to delete this off all my credit report immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act NORDSTROM/TD BANK USA XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.
Product: Debt collection

I rented a car on XXXX. I paid for the entire I found out within two hours that the car 's AC was not functional so I informed the owner of the car within 2 hours of having taken the car and realizing the AC was not working, he apologized and offered to replace it with a car with a working AC. I went back returned the car and picked up the other car ( which had AC working but had its own issues such as no central locking, car tired had really low tread on them etc. ). I had rented the car for my vacation and moved forward with it ( WITH NO CHANGE TO THE ORIGINAL DATE S TRIP LENGTH OR ANYTHING ELSE ). Upon my return the car has a flat and was towed back to the owner. It was returned 11 hours ahead of the scheduled return time so my trop is actually cut short because of the flat. Either ways, XXXX and owner confirm condition at the time of checking it back in and is same as it was checked out. And a month into it XXXX comes back and bills me an additional {$150.00}. They say they need to charge me one day use of the first car and then then full trip length for the second car. That's what the {$150.00} is for. This is unreasonable. I faced the inconvinience of first the AC not working, then the care going flat ( because of the low tread on the tires I claim ) and I provided them the explanation back. They have since sent the item over to collections - a company called FCR Services. I have again explained to FCR services now three times that they MUST stop bothering me for this charge as it is an illegitimate charge on part of XXXX but they keep calling me and are now threatening that they will send to to the credit bureaus which will impact my credit report. I am attaching all my email communication with FCR services in the attachment. Besides the email I have also provided them the same clarification on voice and yet they are relentless. 

I need action taken against not just XXXX services but XXXX as well by the CFPB to help with this. A search on the internet will reveal I am not alone. There are many many XXXX customers who have been charged by XXXX and pursued relentlessly while XXXX takes no action against their hosts even for their valid fault since if the hosts withdraw from XXXX, XXXX XXXX business will be impacted. Its a game of numbers.. There are more people looking to rent. a car than willing to rent out there's and this works to the disadvantage of the consumers who want to rent a car. PLEASE TAKE ACTION!
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries, and they do not pertain to me.
Product: Debt collection

My huusband, mother, and sister all received a call from someone stating they were from a Proescuters Office and could only speak to me. They used my maiden name and I have been married for almost 10 years. They provided a file number and a phone number. I called back and they stated they were from XXXX XXXX ( also XXXX XXXX XXXX XXXX XXXX ). They claimed I had an acount with US Bank in XXXX that was force closed in XXXX and I owed over {$1000.00} in fees. They stated they had sent me a letter and I had failed to respond and I would be summond to court in my local area to litigate this if I didn't pay it. I told them it was a scam and regarless its outside the statute of limitations. She ( XXXX XXXX XXXX said since it closed in XXXX its well within the XXXX. I told her my lawyer would be contacting her. The phone number they provided was XXXX. They said they were in California, however the number that shows on caller ID was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX XXXX XXXX : {$560.00}
Product: Debt collection

I.C. System Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. I.C. Systems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and Hippa Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Transunion has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX was included in my bankruptcy, XXXX # XXXX. They are continuing to update on my credit file and that is in clear violation of the bankruptcy law act. They can not continue to report after a bankruptcy discharge and they need to fix it and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX Bank XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card

I placed an order with an XXXX vendor for a total amount of around {$1200.00}, but the products have not been delivered. I have made multiple attempts to resolve the issue directly with the vendor, including contacting them via XXXX messages on only a few but not all of the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite my repeated efforts, the vendor has not provided a solution or meaningful response. I also reached out to the shipping company multiple times but was told that the issue falls outside their grace period and they are unwilling to assist further. 

I have filed several disputes with American Express, including filing for a refund due to the failure to deliver the products, but no resolution has been reached, and the disputes have not been resolved in my favor. I am now requesting further action to resolve this matter. 

As per the Fair Credit Billing Act ( FCBA ), I am entitled to dispute the charge when there is a failure to receive the products as agreed. 

I have all relevant documentation and proof of my attempts to resolve this issue, including communication logs with the vendor and shipping company. I have proof on my camera that nothing was delivered. Nothing was also signed by me. These are all facts. Should I not receive a satisfactory resolution, I am prepared to escalate this matter further.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit file. I have noticed an inaccuracy that I request to be investigated and corrected pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

**Account Information : ** **Creditor Name : ** XXXX XXXX **Account Number : ** XXXX **Reported Issue : ** Incorrect charge-off date. The account in question shows a charge-off date of XX/XX/XXXX, whereas the correct charge-off date should be XX/XX/XXXX. This discrepancy is misleading and negatively affects my credit score. According to the FCRA, you are required to report accurate and complete information ( 15 U.S.C. 1681e ( b ) ) and correct and update inaccurate information ( 15 U.S.C. 1681i ).
Product: Credit card

I have contacted this company numerous time and filed a complaint with this company regarding a late payment they are reporting when this account was closed in XXXX, per prior dispute company agreed to remove this incorrect late payment for XX/XX/2023 due to account being closed which I am enclosing the letter below but have not remove the XXXX late payment, If not removed immediatly will seek legal actions for the continuing of reporting inaccurate information and damages to my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.