23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX  XXXX in XXXX, MN is giving a {$25000.00} credit on the purchase price if buyers use their preferred lender. How is this not Steering? If I bring my own lender, I have to pay {$25000.00} more for the house.
Product: Mortgage

On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet.
Product: Checking or savings account

Being charged {$35.00} in overdraft fees over a period of time with navy federal
Product: Checking or savings account

1 ) Sold my XXXX XXXX, and funds deposited back to Citibank account 2 ) XX/XX/XXXX, Tried to withdraw money from Citibank account a few times, but all attempts were unsuccessful even with the help by the Citibank rep during 2 phone calls. 
3 ) XX/XX/XXXX, I lost access to my account, and was told the account was being closed, and I would be getting a check in 30 days for the fund in my account 4 ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed, and no account balance info could be provided 5 ) XX/XX/XXXX, Called Citibank for status of the check, was told that no updates from back office, and would send an expedized request, and again no account balance info could be provided 6 ) XX/XX/XXXX, Called Citibank for status of the check, was told again that no updates from the back office, and would send an expedized request, and again no account balance info could be provided It's been over 4 months, no communication received from the bank regarding the account closure, and since I no longer has access to my account, I has been kept in dark of any info on my account. I'm deeply concerned about the safety of my funds.
Product: Student loan

My loan was with XXXXl for many years. I started repaying my loan in XXXX My loan was at $ XXXX. I made payments with XXXX for a good 5 years. Then XXXX XXXX XXXX and they put me on an IDR plan. Through out my time with XXXX they worked with me on IDR plans. When XXXX hit, XXXX sold my loan to Higher Education Loan Services. With, inflation I told my servicer I cant pay the payment for IDR, so they say thats the only payment they will except and for me to do forbearance. Okay, will do. I call them back to see if I can get someone else to help. I try to file another IDR, the payment is too high. I tell them I cant do it. So they tell me to fill out economic hardship paperwork. Higher education, my loan servicer has told me my loan is being reported late. I tried to call XXXX XXXX to see if they will work with me, but they dont see my account in the system.My loan is over 142 days late. My original student loans that I have paid on since XXXX that the beginning balance was $ XXXX is now close to $ XXXX. Yes, we all have hardships. But come on, how can we ever get out of debt when we cant get them to accept a payment term! Their answer is always to do forbearance or economic hardship because they want interest! I know I am not the only one out here dealing with this issue!
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention a serious issue regarding fraudulent charge-offs on my accounts. Pursuant to Consumer Law Code 15 USC 1681n, which addresses damages for willful noncompliance, I am seeking your assistance in rectifying these inaccuracies and ensuring that my credit report reflects accurate information. 
Upon reviewing my credit report as of XX/XX/XXXX, I have discovered several fraudulent charge-offs listed on my accounts. Notably, these inaccuracies involve the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  These accounts were closed in XX/XX/XXXX and XX/XX/XXXX respectively. Despite the closure, my credit report erroneously reflects charge-offs on these accounts that are both inaccurate and fraudulent. Also, on these accounts its still being reported that I have a credit limit even though the account is closed. This erroneous reporting is causing undue harm to my credit profile and potentially affecting my financial well-being. 
I have already reached out to the credit reporting agencies to dispute these inaccuracies, but they have yet to take corrective action. Therefore, I am now seeking your intervention to ensure that the following actions are taken : XXXX. Removal of all fraudulent charge-offs associated with the XXXX Federal Credit Card and XXXX XXXXXXXX XXXX XXXX from my credit report. 
XXXX. Verification and correction of the reported information to reflect the true status of my accounts. 
The inaccuracies in my credit report are not only misleading but also violate the Fair Credit Reporting Act, which mandates that credit reports be accurate and up to date. I respectfully request that you investigate this matter promptly and take the necessary steps to enforce compliance by the credit reporting agencies. 
Please confirm receipt of this letter and provide me with a written response regarding the actions taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in correcting these inaccuracies. 
Thank you for your time and consideration.
Product: Checking or savings account

I previously had two accounts with Wells Fargo. Two different times between the year XXXX to around XXXX. I closed my account with them and choose another bank, because they could not explain to me why I was being charged numerous overdraft fees. This matter was discussed with them many times with nothing getting resolved. I ultimately closed the account and still paid them what they said was owed. This matter still has me upset years later, and I ask that this matter be investigated.
Product: Credit card or prepaid card

Around XX/XX/2018, I disputed 3 charges of {$250.00} from XXXX XXXX XXXX. I cancelled this warranty on around XX/XX/2018 when I put a claim in and they denied it I probably should filed with CFPB on this about them but didn't. I told them to cancel and on around XX/XX/XXXX, I disputed the charges with my credit card. when XXXX refused to refund all my money. They charged me {$750.00} for a {$500.00} warranty. They refunded me {$250.00} but I'm still waiting on the rest. US Bank claim numbers XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, US Bank requested more information. I sent them all the information including emails I had with this company and contracts. on XX/XX/2018 by Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX it arrived at XXXX. On XX/XX/XXXX, US Bank reversed the provisional credits. Sent me 2 letters dated XX/XX/XXXX. and arrived here onXX/XX/XXXX. They say in the letter they didn't receive the additional information in time. It wasn't even 30 days. I have federal logs showing my location date and times that show I have not been home to respond to any of this as quick as they want. Request your assistance in getting my {$500.00} credited back to my credit card.
Product: Credit card

XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Account and Past Due Balance To : XXXX XXXX XXXX Experian XXXX I am writing to formally dispute a past due payment of {$530.00} associated with a XXXX XXXX XXXX XXXX  account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with XXXX and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020, I deposited a check into my XXXX XXXX account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at XXXX XXXX and it comes back counterfeit once again. XXXX XXXX says they won't report anything in my Early Warning services that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my EWS report and see XXXX XXXX reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my XXXX XXXX account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX there were XXXX hard inquiries on XXXX. 

I called XXXX. The XXXX hard inquiries were related to my victorias secret master card. Comenity bank vsmc XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called XXXX back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through comenity bank XXXX  was for this number : XXXX and to contact them I call back comenity bank to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between XXXX and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with comenity, is on the XXXX report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that XXXX and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Dear Experian While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

My contact information is as follows : Your Name ( printed or typed, not signed )
Product: Credit reporting, credit repair services, or other personal consumer reports

These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Debt collection

Jefferson Capital stated they bought the debt from XXXX. I informed XXXX that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to Jefferson Capital. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

I applied for an XXXX XXXX Credit card. My intention was merely to improve my XXXX XXXX score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along SELF Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. SELF FINANCIAL SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER SELF ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO S0.
Product: Student loan

I consolidated my student loans with XXXX. I have request all 3 credt agency and Nelnet, XXXX to be removed from my credit report. Now they are showing red marks. I am denied credit because of the loans that hve been satisfied. They all are on my report showing a huge negative impact
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an account with Barclays Bank Delaware for 4 months ... without knowing it. No card showed up, no paperwork.. absolutely nothing. We looked into buying a house thinking our credit score was almost perfect to find out this company, Barclays Bank Delaware had reported a late payment. But like I stated earlier, we received no communication from them. Not even a bill. Our credit score has gone down 200 points in a few months. We pay all our bills on time. And after finding out about the account, we called the same day and resolved it ( paid the bill and paid the extra charges that were wrongfully charged ). That only happened because we waited hours on the phone. We waited yet again to completely close the account. But they say the only way to remove this from our credit score it to call XXXX Credit Bureau and give them our account information. What information do we have? Nothing. No card number. No account number. Barclays Bank Delaware will not give any of our own account information to us. And yet our day to day lives are effected. If you search the Barclays Bank Delaware online. There is over 500 complaints about the same thing. This company hid behind XXXX to give us a deal when we rented a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my free annual Equifax credit report using XXXX. I identified an incorrect address on my report. The report provides address : XXXX XXXX XXXX XXXX, MI XXXX. I have never lived in Michigan. I attempted to use the online dispute method " To initiate a dispute online please visit https : //www.ai.equifax.com '', but the URL provided will not pull up. I've tried on multiple devices to ensure I wasn't experiencing a networking issue on my side. Equifax should ensure their services are active and available for disputes as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY GEN 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measure 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 ( EFTA ) and Regulation E. These actions have caused signification inconvenience and financial loss, and I seek appropriate redress for these violations.