23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I start to submit my application for refinance my house with my mortgage company and they give me a good interest rate 2.875 % at the time the interest rate was very low everywhere after two days they did send me The loan estimate with all the details to sign it I did sign it and send it back to them and after one week they send me the confirmation that they approved my application and they wait for the underwriter to review everything I try to call them send them a lot of emails to ask about my refinance but there is no reply from them every two weeks they send me email its on under processing and within couple of days we will send you the closing day to finish everything I tried to call the management and send them a lot of emails but there is no reply from them now the interest rate is high and the send me another loan estimate to sign it with a high interest-rate I dont want to except that because its their mistake they make me lose the time to find another refinance company was a good interest-rateSo its after six months they try to increase the interest rate and of course I can not find the good interest-rate anywhere
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I have been garnished without notification from Immediate Credit Recovery. I notified the company upon the garnishment and informed them that they must notify me within 30 days prior. According to the representative XXXX XXXX, they assumed I received the notifications and therefore to it upon their selves to submit the garnishment. I agreed to set up a rehabilitation plan and updated my information making a small payment but they continue to find differ reasons not to submit while a payment has been made. This process has caused many problems with my finances and Ive tried to work them. But if I had received any notification I would have made arrangements!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX , am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX. XXXX XXXX
Product: Credit card or prepaid card

Good morning! 

I got a notification from my credit security monitoring company that there were some flagged late charges and fees on my Athleta store credit account and when I Called Barclays, I was told that although I paid my account in full, the bank that took over was not able to pick up my payment in a timely manner thus, it accumulated all these late fees and interests. 

I made the purchase in the amount of {$43.00} XXXX of last year and I paid in full in-received by them in XXXX/XXXX/22. Barclays took over from XXXX and my account and payment fell through the cracks! I tried to have Barclays erase all the late fees and interests that had amounted to {$250.00} and somehow, they couldnt do it due to technicalities. 

I called again XXXX, and I was told again that the least they could do is bring it down to {$130.00}. I am furious for these injustice and unfairness. I need help!
Product: Credit reporting or other personal consumer reports

I currently have five fraudulent accounts appearing on my credit report.
Product: Mortgage

No complete response to escrow issue. 
Have not applied payments tendered to account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I am currently on the phone with JEFFERSON CAPITAL SYSTEMS their RECORDED line XXXX they can not provide me with an address bc he said " its a bad address '' they can not provide me with proof this debt is mine. They do not have a contract with me they do not have the original contract with " XXXX '' the debit they bought and are alleging is mine. they have been informed that I have removed this from my credit report several times and they continue to sneak and reported it months later. I am now sending a cease and desist letter and I will file a law suit against them for their fraudulent scam. They claimed this account was delinquent in XX/XX/XXXX that is 2 yrs past the SOL for cell phone debts and it is past the SOL for other debts in several of the states I have lived in during the duration of the XXXX  debt they bought. I have read that this company has been doing this to thousands of thousands of people they are getting a class action against them bc this is deceptive fraud. I am demanding the permanent removal of this account from the credit company 's and for my information to be destroyed so that they never file it again. They have fraudulently used this debt to " blackmail ' me into paying it or else I will have bad credit. This is a XXXX XXXX XXXX debt they purchased and continue to report it six months after I get it off.
Product: Mortgage

I can not comprehend why you are not doing your job of enforcement. XXXX is advertising on XXXX a 1.88 % APR without a credit score and without knowing whether its a purchase or refinance. This is pure baloney. Todays date is XX/XX/2021. No way that they can advertise 15 year fixed at XXXX APR for everyone.
Product: Credit card or prepaid card

XX/XX/XXXX I received a ltr of denial for a credit limit increase on a Synchrony pay pal acct that I knew nothing about. That acct was opened in XX/XX/XXXX and I never got any info on it. Who ever opened acct was making payments on it that whole year. Now Synchrony Bank/paypal trying to stick me with the bill # XXXX with balance now of {$4400.00}. When I contact Bk -XXXX  XXXX-they said they would do fraud investigation. I have put fraud alerts on all 3 Credit bureau 's and filed report with FTC. They have done 3 Fraud investigations but still saying it's mine. File police report XX/XX/XXXX with XXXX Co. Sheriff 's dept. Det, XXXX XXXX case # XXXX. He feels they have mixed my acct with another XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX. He was to call them. Hadn't heard anything else until today I got another monthly billing statement..
Product: Credit reporting or other personal consumer reports

Experian has a lot of incorrect personal address, names, and phone numbers on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( Experian, XXXX, and XXXX ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from Experian and XXXX asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my XXXX  report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.
Product: Credit card or prepaid card

Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.
Product: Debt collection

Have been getting harassing phone calls from portfolio recovery for debt owed by my late spouse.
Product: Debt collection

i sent portfolio recovery associates letters on XX/XX/2021 for the alleged debts of {$330.00} and {$390.00} certified mail and has not receive anything from them concerning this matter, and i also went ahead and sent another letter on XX/XX/2021 and have not heard anything from them.its been over 30 days since my first letters and need to be deleted. This is causing me harm and emotional stress because i can't get anything with the negative remarks on my credit report.
Product: Payday loan

Paid the loan off in XX/XX/XXXX. However because they processed my loan on XX/XX/XXXX and not the XX/XX/2015, they reset my loan and gave me an early payoff amount. As of XXXX XXXX 2015 I was done paying for the loan. XXXX XXXX 2015 they processed a debt payment from my account of {$66.00} that were not suppose to take as the loan has been paid off for over a month. They said to return the money to my account take 48hrs or I could come pick up a check from the office. So now this is going to cause my rent to check to bounce and a late fee to be assisted to my account and leasing office to charge me a fee as well.
Product: Credit reporting or other personal consumer reports

Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, Equifax, and XXXX violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.
Product: Debt collection

Account was paid by gap insurance claim due to total loss of vehicle. Original debtor agreed and deleted account from credit report. Collection agency reported a few months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Product: Checking or savings account

About 2011 I opened up an account at Wells Fargo and the person who opened up my account kept putting a paper in trying to get me to sign an investment form. I kept refusing but I did notice my account kept getting lower either from fees or other items not making sense. I was living at the driftwood apartment at the time in XXXX XXXX XXXX but do not remember the address.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Im attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete the illegal accounts from my credit reports. 

XXXX XXXX XXXX Account XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a XXXX web transfer of {$70000.00} from USbank checking account xxx # XXXX to a XXXX savings account XXXX was initiated. On the same day, I received a XXXX email indicating that XXXX received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the XXXX, I received another XXXX email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my USbank checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a XXXX email indicating that the funds could not be deposited into XXXX XXXX account XXXX. They also indicated that If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted USbank 5 times and XXXX 6 times trying to get the funds either deposited into my XXXX savings account or returned to my USbank checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
XXXX could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
Usbank on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a XXXX web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my USbank account but funds were never deposited in my XXXX account. Numerous attempts of contacting both instructions over a 5 week span resulted in each bank indicating that the other institution was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX hasnt updated my file since XXXX They said the reason for this Is because they are receiving an error when trying to get my credit report from equifax. Please reach out to XXXX XXXX and fix this isssue.
Product: Mortgage

my loan was transferred from XXXX to freedom. I called to make a payment to XXXX and was given the number to freedom. I made numerous calls and got a message that my loan was not in the system to call back. I made a call once a week with the same results. I got a notice that I was 1-2 months late and received a call from a collector. I made payments and now I have 3 showing late on my credit score.
Product: Credit card or prepaid card

I booked a ski rental with XXXX XXXX XXXX XXXX through XXXX for 2 days, from XX/XX/XXXX to XX/XX/XXXX. Check in time was XXXX. We arrived in XXXX early and purchased {$400.00} worth of groceries. 

At XXXX, 4 minutes ahead of my check in time, I received a call from XXXX XXXX  stating the door was broken and they had no time estimate for when we could check in. I attempted to call back 3-4 times over the course of nearly 4 hours while we sat in a snowstorm with poor service and a warming-up car full of perishables. During that time we attempted to book a different property, but nothing was available to house 7 people at short notice. Finally, at around XXXX, we were able to get into the house. 

I attempted to resolve the issue with XXXX XXXX, who had offered an empty promise of refunding the {$380.00} cleaning fee, but they deliberately avoided me. This prompted me to go through Chase Sapphire Reserve. 

On XX/XX/2022 the Chase rep assured me this would be resolved, stating " it is easier to ignore consumers than large banks. '' This temporarily removed the balance of {$1800.00} from my account. 

In XXXX I received a call from another Chase rep stating that they can't refund the full amount, but he could confidently get back half ( {$920.00} ). He even said " I agree you should not have to pay the full amount given you did not receive services as described. '' He also mentioned the merchant offered to return the cleaning fee, which I was unwilling to accept given the amount of my time they wasted. 

Finally, on XX/XX/2022 I received a letter stating the full amount was valid. When calling chase, they told me I had no options other than " to go to a chase branch and fax in an appeal, which is unlikely to succeed, or report the company to the XXXX '' I am now left with no other options and feel swindled.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me credit file # XXXX included was a XXXX XXXX # XXXX..stating account closed at credit grantors request. I disputed this information because it is false this account is not closed in fact, I attached my current bill showing the same account number XXXX if it is closed as Experian claims to have verfied which is clearly false when the account is currently open an active the have violated the FCRA. I would like this item removed from my credit report as it is untrue and hurting my FICO score.
Product: Credit reporting

This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.