23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.
Product: Mortgage

A response was received from Shellpoint Mortgage Servicing. The information provided to my complaint is in regards to contact information, i.e., service rep and Mortgage Service Provider phone numbers provided ... were false, misleading. In fact Representative and Shellpoint contact phone numbers were in fact business phone numbers for employees to receive voicemails. Furthermore, I was informed the representative assigned, no one by such name existed within Shellpoint. In my opinion this was a deliberate tactic to further delay my request. The response was also a third time try on CFBP attempt to get a appropriate response, only to have the third time try response provided, info was false, fabricated and deliberate to mislead the consumer. I thus STILL DO NOT have a point of contact to move forward.
Product: Credit card

Hi on XX/XX/year> i was checking my credit report and i found unauthorized inquiries on my Trans Union report XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX
Product: Debt collection

This company did not provide me with Debt Validation and did not even responded to my letter. I have requested debt validation for account XXXX, last XX/XX/2017 and up to know I have not received anything back. This account was even disputed to XXXX  AND XXXX and has been REMOVED. Yet the account is still reporting to XXXX. There is definitely a violation of FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting

XXXX XXXX agreed to settle my debt for {$900.00}. I paid the {$900.00} as agreed upon. They are still reporting a balance of {$650.00} despite the fact that we agreed to {$900.00} which I have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an XXXX XXXX Account XXXX being reported. I also reached out to XXXX on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX lmation XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to Equifax and instructed them to DELETE the derrogatory reporting. As of this reporting, Equifax has failed to respond, and I am asking that this item from XXXX be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Debt collection

The collection account XXXX XXXX is still on my credit report despite it being paid and removed by the company the account is still appearing on my credit.
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports i notice a Collection account XXXX XXXX Date Opened XX/XX/year>, and several other accounts.Attached is my FTC reports
Product: Debt collection

I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. 

XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. 
XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . 
XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. 

This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. 

XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. 
XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. 
Requesting that the CFPB please investigate this. 

Please feel free to contact me if you need any additional information.
Product: Mortgage

My wife and I applied for a cash out refinance mortgage on a home we have lived in and paid a mortgage on for the past 19 years. We went thru Penny Mac and an woman named XXXX XXXX was the agent we dealt with. She seemed intelligent and eager to assist us and get our business. I was apprehensive to have any type of hard credit inquiry done for just an initial estimate to get some numbers and I told her as much because other lenders were also interested in us and wanting to do soft inquiries. These inquiries effect your credit rating. So she had us fill out all type of forms on line and we had to agree to receive all documents on line to do business with them. I reluctantly agreed and her assessment was we qualified and we had more than enough equity in our home and then some. So after submitting all requested documentation and long phone discussion in which we told her this was a manufactured home. We were told by XXXX in order to lock in our quoted rate we were required to give them a deposit of XXXX for an appraisal and that WA state required that much of a deposit. So we got the application signed all paperwork submitted ( which also stated this was a manufacture home ) and paid them the deposit via credit card over the phone and all was done. I get a phone call the next day from XXXX saying she had some bad news! So after collecting all of our personal sensitive financial information, bank statements, mortgage statements, insurance declaration and our XXXX deposit for the appraisal she informs us that Penny Mac doesn't lend money on manufactured homes? Now it's going to take 7-10 business days to get a refund on our XXXX deposit for an appraisal. Who collects the interest on that XXXX fee for that 7-10 business days and how much money is that if they do it to hundreds of applicants a week? She should have known the loan would not be completed when we told her it was a manufactured home not to mention that was also available information on all the documentation we provided prior to making the XXXX deposit on the appraisal. These people are completely incompetent!
Product: Credit card

The company in question is BEST BUY, I have not had a problem until now. Please see statement dated XX/XX/2025, on the account activity. I made contact with the President 's Office, cone of an Officer. This officer wile on a phone call, confirmed that the {$120.00} was not mine. This officer followed up on a call with me, she confered that this purchase of {$120.00} did not belong to me. She then goes on to state that the company does not know where the the & XXXX appeared or where it came from but would leave it on my card. I then drove to the store on XXXX, Ma and still not help. The company then sends me a letter stating that my payment is late. I am providing doctuments that does support my complaint. As soon as this is completed I will change to their competitor. 

This is praud!
Product: Vehicle loan or lease

On XXXX, I didn't give XXXX XXXX permission to obtain a copy of my consumer credit report.

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: Credit reporting or other personal consumer reports

Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I was intentionally defrauded by deceptive business practices while on vacation in Hawaii under a high pressure, with time constraints, told lies, which i relied upon when signing a contract on XX/XX/XXXX, that was grossly misrepresented with family vacation promises by XXXX XXXX XXXX, who promptly took my money and had me sign an installment payment agreement on the spot. when i actually got to read the contact, it made no sense, it actually is not clear on what was purchased, it notes property, license agreement, membership plan, with confusing and conflicting information, that still does not make sense. i tried to discuss with someone to cancel and they gave me the run around, and by the third day i went in person and the refused my cancel. i returned home and tried to cancel on XX/XX/XXXX, and they said the account is no longer theirs, that it was assigned to Monterey Financial Services. Come to find MFS is part of the scam. They exist to take over collections on the defrauded accounts, and they are in another state, CA to further perpetrate the fraud. They withdrew 2 payments from my bank and i cancelled it with my bank. They have been calling me and sending me notices of collections since, and after they did not receive 2 payments, they have reported me to collections. I talked to them to let them know i dispute thne contract. The agreement said for disputes to file arbitration, of which i filed on XX/XX/XXXX with XXXX, against both MFS and XXXX. Neither responded and XXXX now closed the file. And in fact, XXXX notified them that their arbitration clause is in violation of the rules, and that it did not go through the approval process and requested them remove it " so that there is no confusion to the public regarding out decision '' i want my money back, i want the agreement rescinded, i want restitution, i want my credit restored, and i want these frauds to stop ripping people off.
Product: Credit card

I recently applied for a new American Express card online, hoping to take advantage of a promotion offer. Upon approval, I was informed that I would receive a {$400.00} statement credit and XXXX bonus miles. The terms of the promotion stated that I would earn the statement credit and bonus miles after making a XXXX purchase on my new card within the first six months, and after spending {$6000.00} in eligible purchases within the same timeframe. 
I made sure to meet the required spend threshold within the allotted time frame, but unfortunately, I did not receive the promotion offer as promised. I contacted American Express customer service to inquire about the status of my bonus, and they initially assured me that I qualified for it and that it would take around 7 business days to process. And they appreciated my long-term American Express customer over 20 years. 

After waiting a few weeks without receiving the bonus credit, I followed up with customer service again. However, this time they informed me that I did not qualify for the promotion. They claimed that when I received approval for the card, it should have indicated that I was not eligible for the promotion. This is not accurate - I never received any notification indicating that I did not qualify. 
I believe that American Express should honor their original promotion offer and provide the bonus credit as promised. I hope that we can resolve this matter amicably and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! XXXX years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, XXXX secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had XXXX secured credit cards while paying my debt off!
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX, NY, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit card or prepaid card

This company allowed someone to add themself to my account online, order a card, use the card for XXXX  XXXX, and have the payments deducted from my business account. When it was discovered, they closed the card and transferred the balance to my card. On XX/XX/2022, they sent me a " Fraud Investigation Form ''. I filled it our and returned it. On XX/XX/2022, they sent me another letter stating that on XX/XX/2022, they initiated an investigation and denied it on XX/XX/2022 because They say " I authorized, participated in, or benefited from the purchase '' ; and that additionally on XX/XX/2022 they sent me a letter IN ERROR advising my claim was provisionally approved. 
I have sent them a response letter stating that 1 ) I never applied for nor authorized another user or card on my account. No one ever called me to verify or alert me, they simply issued the card and, 2 ) these charges were all for personal plastic / cosmetic surgeries/ treatments that were performed on someone else, not me, that did not live with me and therefore did not benefit me in any way. 
To my knowledge, it is illegal to apply for a credit card in someone else 's name. I should not be held responsible for the lack of due diligence by this bank confirming that I was adding an authorized user and card on my account. I have already suffered enough with this considering {$400.00} - {$500.00} a month was coming directly out of my business through ACH for a very long time before it was discovered.
Product: Checking or savings account

Greetings. My name is XXXX XXXX, and I am writing in regards to XXXX, a financial institution. I have been a long time loyal account holding member, however, their business practices leave a lot of room for improvement. After noticing questionable activity on one of my accounts, I called up customer service and made them aware of the unfamiliar activity on my account. On XX/XX/2022 I canceled my debit card, and a new one was shipped right away. 5 weeks later, I notice similar activity even after the card was replaced so I decided to go into my local branch where I learned that not only had I been charged an upwards of {$450.00} in bank fees alone, that the transactions were not linked to the card, but the actual bank account number itself. I was not made aware of this from my prior dealings., and 5 of the overdraft fees alone were from the same {$3.00} dollar transaction. Yes, a {$3.00} transaction, which was later returned to me by Citi. So after two days of disputing, I was livid to learn that not only am I not entitled to the refunds of the fraudulent charges, I would also not be getting the Non Sufficient Funds Fees returned to me as there was no notation on the account of me reporting the previous transactions as fraudulent when I requested the new debit card sent to me. 
I would like to lodge a formal complaint against the Citi Corporation as I am quite certain there are others who are entitled to having funds returned to them in the same manner I am, and given we are still recovering from a pandemic, there should be some regulations put into effect that protect consumers from these types of grievances. 
This matter was addressed with the corporate office only after I filed a complaint with the Better Business Bureau, where Citicorp further insist I am not entitled to my funds being returned to me as they do have no policies in effect where they are no longer charging fees in this manner, however since these discrepancies occurred before the policy changes were put into effect, my charges are not subject to a refund. XXXX XXXX XXXX It should also be noted that I have two references numbers regarding this complaint as their customer service line was unable to locate the first dated XX/XX/2022 ( or claimed that one did not exist ) which is XXXX. The second reference number which was given on XX/XX/2022 is XXXX. 
I would also like to add that when I did ask for the assistance from my local citibank branch, on XX/XX/XXXX, I was told by the branch manager that some of the fees should not have been assessed as well.
Product: Debt collection

I was notified by another collection about an account previously with Enhanced Recovery Company. The account was settled on XX/XX/2021. I have the receipt to show the account being paid off.
Product: Checking or savings account

Capital One closed my checking account last year and refused to give me the money that I had received. After several failed attempts to resolve the issue, I sent a complaint to CFPB and Capital One later responded through their agent XXXX with Phone Number : XXXX EXT XXXX. The letter stated that I should provide evidence to show the source of funds was legit and not related to any fraudulent activity. 
I have shared the mail I received from Capital One with the friends and family members who credited my account during that period. We have been calling Capital One for closed to a month using the phone number provided in the mail but no one is responding. I have been to their branches but no one is able to help. Capital One isn't cooperating to return my legitimate funds they have been keeping for almost a year causing me delay and mental stress.
Product: Credit card or prepaid card

In XX/XX/XXXX my card was cancelled. I have been a customer for over 20 years that is longer than the CEO 's. I first learned about this in XX/XX/XXXX. That is when I called to try to get my card re-instated. Instead I got this Executive Office of Customer Advocacy department who just gave me a canned response that they are not able to do it. I dont buy that. Im not quite sure what this department is supposed to do but it is not to help customers. I am asking for my old card to be re-instated. Credit card companies have a responsibility to communicate with their customers in every way possible. Discover did not do that. I have gotten ALL their e-mails in the past. To close my account they send it via mail. I have moved several times over the years and probably did not get it. THIS IS THEIR ERROR AND THEY HAVE TO FIX IT.
Product: Credit reporting or other personal consumer reports

Greetings, This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Mortgage

I tried numerous times to cominicate with Mr Cooper on refinancing my property. After many attemps of talking with Mr Cooper and trying to avoid forcloser during XXXX. The end results involved me selling my property. i feel i was railroaded out of my home and over charged by Mr Cooper when i sold my home.
Product: Debt collection

I checked my credit and saw two accounts from IC Systems for XXXX XXXX XXXX for {$1000.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$250.00} for each, totaling {$500.00} to settle for a deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 CXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX