23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2015 I went to XXXX XXXX to consider purchasing a new house. The realtor XXXX XXXX told me that I would qualify for AT LEAST a 3.5 % interest rate. She even said that she was being " conservative '' and put it in writing. I asked how could I find out for sure? XXXX told me I had to sign a purchase agreement and talk to their sister companyNVR. I spoke with NVR Loan officer named XXXX as their normal loan officer XXXX XXXX was on vacation. I told XXXX that I did NOT want him to run my credit unless he could absolutely assure me that my rate would be below a 3.75 %. I did not want him to ding my credit. XXXX assured me that he absolutely thought that 3.75 % or even lower was possible as XXXX had put on my good faith estimate. Given his oral agreement ( prior to anything being signed XXXX XXXX ran my credit with understanding in place. On Monday XXXX/XXXX/2015 I went in to meet XXXX XXXX the usual loan officer that works with XXXX at XXXX XXXX. Loan officer XXXX XXXX XXXX XXXX is # XXXX. My wife and I sat down and I immediately said to XXXX XXXX, " XXXX, as you probably know we talked to XXXX at NVR while you were on vacation and he promised us that he would not run my credit unless you could hit at LEAST the percentage rate I gave him that all other lenders are currently offering. So we can make this a really fast yes or no if you tell me the interest rate. '' XXXX just said to just " sit down and we would review things first ''. As it so happens after 90 minutes of her blathering she pulled out a pre-printed sheet that had a completely different interest rate than what was said both verbally and on paper by either XXXX or XXXX XXXX. I was told I would get 3.5 % and I even said I would allow them to come in up to 3.75 % the price every other lender was offering. As you can see by the letter they put 3.5 % and said " that 's being conservative given your credit history ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent a certified letter to transunion asking that my personal information be corrected, along with a copy of my drivers license, social security card and bank statement. My information was never corrected. I didnt receive any response at all. The letter was marked as delivered on XX/XX/24. I have attached a copy of the letter that was sent and the certified mail receipt.
Product: Credit card

XXXX : XXXX CHASE BANK received my credit extension application on or around XX/XX/year> per UCC 1-202. I applied for an open-end credit card with CHASE BANK in good faith, as a completed application under Truth in Lending. Any breach of the FCRA makes a creditor accountable to affected consumers for any actual damages suffered, along with court and attorney 's fees. The inquiry on my credit report should confirm the transaction. Your denial seems to be solely based on my credit score, creditworthiness, and ability to make " minimum '' periodic payments. A security interest has been established with the use of my social security number and the application as a " negotiable instrument ''. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. CHASE BANK is violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit Under Regulation Z of the CFPB- TILA Subpart A.
Product: Checking or savings account

After three years of having my Chime account, on XX/XX/year>XXXX  at XXXX I received an email stating that my account was being closed and urging me to transfer any remaining funds out of the account. 
I've tried to think of a reason that they would do this and I did receive the message after I withdrew some cash from the ATM, however I first studied the limits of withdrawal in my agreement with them and I never exceeded this amount. This withdrawal was about an eighth of the amount that was available in my account and I withdrew it in order to buy an inexpensive car. I'm very confused as to why I would be penalized and have my account taken from me for making a withdrawal. This money from my checking account, not any type of savings or certificate of deposit, so I feel like they are forbidding me from spending my own money.
Product: Credit reporting or other personal consumer reports

Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$54.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$690.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00}
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1200.00} and they are charging me 690 % interest. When I call them they tell me my payoff amount is {$1000.00}. Ive paid them triple what theyve loaned me.At the time of the loan it was not explained to me tha the interest was as high as it actually is. I had to research and get my own paperwork. Everytime I call I get a different payoff amount. I have stop payment from my account it has caused financial hardship on my daily living finances
Product: Credit reporting or other personal consumer reports

Impossible to be still working on the issue, I JUST MADE ANOTHER ON TIME NEVER LATE PAYMENT TO XXXX SO WE ARE CLEAR I HAVE MADE 21 CONSECUTIVE ON TIME NEVER LATE PAYMENTS TO XXXX AND YOUR FRAUDULENT CROOKED COMPANY WEBSITE SAYS MY LAST PAYMENT TO XXXX WAS XX/XX/2022 BUT YET THIS FRAUDULENT CROOKED COMPANY OWN WEBSITE SHOW NEVER STOPPED PAYMENTS AND TRY TO NEGOTIATE A LOWER PRICE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit card

I am a XXXX XXXX XXXX XXXX, and as a result, my credit report contains fraudulent accounts and information. These accounts were opened without my knowledge or consent during a time when I was being exploited. I have been working to dispute these inaccuracies with XXXX, XXXX, and XXXX, providing police reports and supporting documentation. Despite these efforts, the inaccurate information remains, which has caused significant harm to my credit score and financial reputation. 

The incorrect information includes, but is not limited to, accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), along with wrong personal details such as addresses, employers, and even my name. I am requesting a full investigation into these fraudulent items and demand that they be removed from my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the XXXX  Victims Protection Act ( TVPA ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be thoroughly investigated and that the inaccurate charge be removed from my credit report immediately. This dispute falls under Experian dispute code 16810 ( Balance Discrepancy - Incorrect Amount Due ), as the amount reported does not reflect my actual financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been filing a dispute with all XXXX credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with Transunion. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You
Product: Debt collection

I had a credit card through XXXX XXXXXXXX I had owed money to them and I went through my XXXX XXXX XXXX XXXX XXXX in XXXX NY to do a debt consolidation loan. They sent XXXX XXXX a check which they took and I have proof of that. XXXX XXXX then sold the debt to MALEN & ASSOCIATES , P.C . who then sued me and won as I was not able to go to court. They are now garnishing my wages so now Im being forced to pay twice.
Product: Debt collection

I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Service Bureau Inc is reporting false and fraudulent medical information to my credit report and is in violation of HIPPA laws!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 XXXX a ) states that a person, including a financial institution, XXXX, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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.

The information and Accounts listed below have violated my rights.

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. 


XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXXXXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : 1. Current Employer - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : Child Support Enforcement Incorrect status request immediate deletion - Account XXXX XXXX XXXX  Incorrect balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXXXXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX  : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX XXXX XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion account SOLD - Account XXXX XXXX XXXX incorrect balance and status : request immediate deletion
Product: Bank account or service

I was racially profiled from the beginning of opening the account. I was told I could n't withdraw my funds when they were direct deposited. I was told I could n't get a Debit Card for the account until 90 days of the account being in good standing. 
I made a transaction to purchase a product online and the vendor never supplied the services and refused to give me a refund. Iberia Bank stated they will not Dispute it because the bank does n't trust they will get their money back. I have never been treated this way by any bank, this bank is racially profiling me as a client and on XXXX/XXXX/16 I requested they close out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX  XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry. please Remove. I Appreciate your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Are reported inaccurately
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are reporting that i owe lvnv funding {$1000.00}. I have tried to access the account to figure out what the debt is that i owe. They have an account with an address that i have never resided at XXXX XXXX, XXXX XXXX XXXX XXXX. I have never resided at this address and i submitted a dispute about this address being on my report and they still have it listed on my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Management Cntrl. for committing identity theft. I have never given Credit Management Cntrl. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collecting activity, of this and any alleged debts until Credit Management Cntrl can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Cntrl. continues its collection efforts, I will file for litigation for actual damages caused by Credit Management Cntrl. will be held criminally liable for aggravated identity theft pursuant to 18 UCS 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon this receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.
Product: Debt collection

Hello I have contacted XXXX XXXX heHello I have which is the collection agent no wor of times to let them know that I do not owe this ive also contacted Genesis card services back on XX/XX/XXXX of 2021 to let them know that the card was open inaccurately I keep getting calls and emails from XXXX XXXX XXXX this has stopped me from getting the house because its showing in collection when this debt is not mines ive spent over a year trying to get this resolved
Product: Checking or savings account

I believe it was around XX/XX/2022 I recieved a refund from XXXX  in the amount of {$290.00} & my account was closed & I never recieved it from the bank they were supposed to send me a check I need my money Im a single parent & they never returned the money back to XXXX & everytime I call Im given the runaround & not the help I need in retrieving my money they kept