23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just found out about this agency from an article in a realtor magazine. My issue happened ten months ago. I applied to refinance my mortgage with United Wholesale Mortgage. I found a local mortgage broker on their website. I contacted him and submitted the requested documents, after a time I was told I was approved but would have to pay for a new appraisal, which I did. After the appraisal was completed XXXX ordered the title work from the closing attorney and set a closing date. That day was on a Friday so on the preceding Monday I closed out a my line of credit in preparation. I spoke to the closing attorney to see if I needed to do anything else and was told no. A few days before closing the attorney said the mortgage company was not responding to her request. She informed me the loan would not close on Friday. On the following Monday she was able to contact someone who said the loan had not been approved. I contacted the company and said your underwriting department ordered title and set the closing date. How could this happen if I was not approved. I got a lot of double talk. I said someone will have to pay the attorney and was told it would not be them. I said I would take them to small claims court, they then agreed to pay the attorney, but said they would not reimburse me for the cost of the appraisal. I also lost my XXXX XXXX line of credit.
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 to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED / XXXX : # XXXX, # XXXX, # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX 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 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.

These inaccuracies are preventing me from obtaining a credit card and purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i  called the number on the website 3 separate time it put me on a line with someone who does n't even speak English. How can the major credit unoions have customer reps that dont speak very good english and the fisrt thi ng they ask for is your social security number to start. thanks
Product: Credit card

I got a capital one credit card. I earned XXXX points on it. Capital one decided to close my account. They have not given me an explanation. My credit score is over XXXX and I have never been late for a payment ever. At the time of closure they did not allow me to use my points in the best way. If I used them for travel or gift cards, they would be worth {$200.00}. Instead, without my permission, they have used the points to apply a {$100.00} cash back credit. I find their methods fraudulent as they have effectively cheated me out of {$100.00} worth of benefits from my points. I am requesting that they either credit my account {$100.00} or allow me to use my points in the best way possible. 

The above is a previous complaint that I filed which was closed as the company determined that an unauthorized person was making this complaint. I did call the company and inform them that it was me making the complaint on my own behalf but they gave me the run around. I would like to reopen this case as a new complaint and ask that cfpb not allow the company to delay by saying I am unauthorized to complain about my own account. 

Thank you
Product: Vehicle loan or lease

I have a Used Car Loan with Digital Federal Credit Union. It is not reporting properly and currently now showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a cease and desist letter to all the companies to stop contacting me in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
Product: Credit reporting

In XXXX, I terminated my agreement with XXXX, after switching to XXXX XXXX, and returned the converter box. XXXX claimed I never returned it, and demanded payment, which I refused to make. XXXX then reported me to a collection agency, XXXX, which reported me to all XXXX credit bureaus. I had a house fire which destroyed my receipt for returning the converter box, so I decided to wait 7 years for it to fall off my report instead of paying what I did not owe. In XX/XX/XXXX, Stellar Recovery re-aged the information, and it is still on my credit report. I filed disputes with all XXXX credit reporting agencies about 2 months ago. XXXX and XXXX removed the item from my credit report. Transunion, however, kept it on my report, noting that I am disputing the information, but that it meets FCRA requirements. What I am looking for here is twofold. 1 ) To have this information, which has been falsified, removed from my report, and 2 ) For whoever is responsible for falsifying the information to face sanctions, including criminal penalties, if applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have got into the the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the banks related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

Chase Freedom Credit Card application fraudulently submitted XX/XX/2023. I called to cancel the application on XX/XX/2023. Another fraudulent application was submitted for a Chase Freedom Credit Card on XX/XX/2023. I called to cancel that application on XX/XX/2023. Another fraudulent application was submitted immediately after I cancelled that one, so I am calling Chase again as soon as I submit this request.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I transferred {$3700.00} from USA to XXXX  using the express option from bank to bank and I paid a {$2.00} fee to Moneygram. The same day I received an e-mail from Moneygram saying that the transfer has been sent. The funds were withdrawn from my XXXX  XXXX  account on XX/XX/. Today I inquired via chat ( XXXX ) for the status since I was told by the my brother-in-law that the money has not been received. I was told that the transfer was pending review (? ) and additional information was required by someone. I needed to call some XXXX  number to find out what's going on. In the meantime that are holding to the fund. Since I have transferred funds from my XXXX  XXXX  account to my brother-in-law several times before using this service I do not understand what's the problem. I should have been contacted by Moneygram if there was any problem. I asked them to closed my account and I want the money returned to my XXXX  XXXX  account.
Product: Checking or savings account

I lost my debit card with a sticky note attached with my pin. Multiple transactions were charged on my account. I asked for my claim to be escalated, which was declined. I work very long hours sometimes unable to do a simple call. The reason for my claim to be denied was because I called two days later not the same day. According to chase they have very strong reasons for my claim being denied. Since I've made purchases with similar merchants they ave denied my claim. XXXX is a very small town. Anyone can go to the same grocery store. I feel unsafe with my bank who i'm supposed to trust with my money. Keep in mind I work full time go to XXXX and I'm a full time mother. I have no time whatsoever. The times I've tried to get a hold of chase they have hung up on me multiple times. They are not willing to help me whatsoever. A total off {$730.00}.
Product: Checking or savings account

On Sunday, XX/XX/2020, I received a text alert about a possible fraudulent charge of {$390.00} on my business checking account ( using a debit card ) with Axos Bank. 

I did not recognize the charge ( it was unauthorized ), and I immediately reported it as fraudulent both by text message and over the phone. A block was put on the card. I was told over the phone that I would need to contact Axos Bank separately about the incident and get a replacement for the card. ( However, my card was not lost or stolen. It remains in my possession. ) On Monday, XX/XX/2020, I submitted an ATM/Debit Card Dispute Affidavit to Axos Bank listing all the details about the fraudulent charge. I also called Axos and discussed the issue. They said they would investigate. 

On XX/XX/2020, I was emailed by XXXX XXXX from Axos Bank that the disputed transaction did not post to my account and there were no unauthorized transactions to reverse. However, the unauthorized transaction was still in fact on the account. I called XXXX again, and they confirmed a mistake had been made. I was asked to submit the affidavit a second time. I did so. 

By this time, not only had the original amount been taken out of my account ( {$390.00} ), but I was also assessed an international fee of {$3.00}, since the transaction took place in XXXX. 

On XX/XX/2020, I was emailed by Axos with an update only after I followed up by phone. They confirmed they would begin their investigation immediately to reclaim the money that was lost. 

It is now XX/XX/XXXX, and every time I call Axos to ask about the investigation, no one has any information or update. The situation has to be explained over again from the very start. The funds have still not been returned to my account. I have lost faith in the ability of Axos to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was filed and CFPB received the response from XXXX and they did not investigate these accounts that are reporting in error and fraudulent. 

CFPB, FTC and FCRA needs to regulate its authority over XXXX, Experian and XXXX XXXX for responding with false statements that say theyre investigating errors on credit reports. 

ATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! 

XXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The XXXX XXXX XXXX XXXX accounts are closed but still reporting the fraudulent accounts on my credit report. XXXX refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove XXXX DID NOT INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- 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 XXXX XXXX XXXX XXXX  -- XXXX 15.U.S.C 1681 section 602 A. States that 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: Money transfer, virtual currency, or money service

XX/XX/2022 at about XXXX XXXX. my kids dad sent money through western union for a XXXX gift for our son. The location I went to which is the only one in town. Their machine was unresponsive and I waited for almost 40 min to an hr. It still did not reboot. My child 's father canceled the transaction and was told they don't refund in store. It is almost night time and no one can tell him where or why his funds are lost. No resolve was even attempted on the company 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX : XX/XX/1991 Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The Transunion 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 consist of fraudulent hard inquiries consist of XXXX opened XXXX XXXX. XXXX XXXX opened XX/XX/XXXX. XXXX openedXX/XX/XXXX. XXXX openedXX/XX/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 inquires 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 credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are a result of Identity Theft and Fraud. I have attached a copy of FTC Identity Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are a result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip  2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX  plcc
Product: Credit reporting

I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.
Product: Debt collection

In XX/XX/XXXX I had to obtain an attorney to help sort out the validity of my loan with Ocwen Loan Servicing , LLC, in which Ocwen did not respond to any of our requests. Even after personally writing a Dispute and Validation letter in conformance with the FDCPA and having our Attorney send in a QWR. The only information sent to us at this time was a blank assignment with MERS because of this my attorney advised us to stop making payments to Ocwen and asked for a XXXX of Deed and XXXX if they could not provide the information we had requested. In this time we did not receive any more information but did receive threats that they were going to proceed with legal action against us in the form of liens and foreclosure if we did not get caught up and continue to make timely payments. During this time Ocwen also continued to contact us personally by phone and mail even though they were repeatedly asked to contact our attorney. They also added on late fees, mailing fees, appraisal fees, etc. to the amount we were at this point disputing we even owed. Then in XXXX we were sent XXXX XXXX C forms which we refused to sign because there still was no validation of the debt from Ocwen. After bringing a second attorney on board to deal with this tax issue Ocwen sent us a letter in XX/XX/XXXX determining that the documents had been sent in error. In XX/XX/XXXX Ocwen notified us in another letter that they were releasing the lien due to a bankruptcy obtained in XX/XX/XXXX, it would take another year and a denial for a refinance from XXXX Bank in XX/XX/XXXX before they followed through with this XXXX of XXXX. To this day Ocwen has never confirmed who they were collecting for and furthermore if the debt was discharge in XX/XX/XXXX should n't Ocwen have stopped collecting and or forcibly trying to collect said debt especially after obtaining an attorney. This was not only illegal but became an unnecessary hardship on my family. We were unable to modify, refinance or sell the property until this matter was cleared.
Product: Credit card

Take a look at the attached documents. I want the bureau to commence an investigation into these accounts where I am never late but am being reported as such.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. The inaccurate information continues to do harm to my credit. 

Kindly update or correct the payment history of these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Credit reporting or other personal consumer reports

I tried to get my free Equifax credit report on XXXX XXXX XXXX, and when I gave all my information I get a message to call Equifax, I called them and they didnt understand why I could not get into my Equifax account, and the would let support now, I get an email saying problem was fixed and I could log in, I tried logging again and got the same problem, and was forced to call again, and still did not know what the problem was, and got another email saying problem was fixed, and still could get into my account, just back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

With the Current COVID ECONOMIC COLLAPSE, i called my mortgage holder, US BANK, they informed me they can place my loan in forbearance, however, it will ruin my credit and all payments will be due in 90 days, in full, no partial payments or my loan will be foreclosed on. I'm XXXX XXXX, and am not allowed to work since we are on lockdown.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX  : opened XX/XX/2023 XXXXXXXX XXXX  : Account number XXXX XXXXXXXX XXXX  : Fraudulent Charges {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collections Account # XXXX ( XXXX XXXX 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 also states : a consumer reporting agency can not furnish an account without my written instructions.