23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We just did our second refi with Loan Depot. The first time we dealt with them, we were told by their agent that they very rarely sold their loans. At the time XXXX XXXX XXXX held our mortgage. We went ahead and did the refi with Loan Depot and shortly thereafter our loan was sold to ... XXXX XXXX XXXX. We complained about it but were told that nothing could be done. 
When we wanted a lower interest rate this year, we went back to Loan Depot since they were offering some perks because we had done business with them before. We were told again that the company rarely sold their loans. We did the refi and last week we were notified that our loan was sold again to ... XXXX XXXX XXXX XXXX 

I tried to get on the phone with Loan Depot corporate. I talked to two people and all they could do was transfer me to someone else who couldn't help. When I put the information into the main number, I was disconnected because our loan has already been transferred. 

XXXX XXXX XXXX has terrible customer service and we really didn't want them to service our loan again. Knowing full well how we felt about this company, I feel that Loan Depot transferring us back to them is an act of retailiation. Companies should want customers to be happy and not miserable!
Product: Debt collection

I am receiving frequent phone calls from chase card services at the phone number provided. Today I contacted the caller to request the stop harrassing me, and the representative refused to remove me from his system without me providing identifying information despite my numerous requests not to be contact on top of advising him it was harrassment. 

Today XX/XX/2019 I have received four phone calls from chase card services at XXXX. This calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Yesterday on XX/XX/2019 I received five phone calls from chase card services at XXXX. These calls were placed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Vehicle loan or lease

I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, a visit was made to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) with my daughter to purchase a vehicle. We arrived at the dealership with pre-approved financing thru our Bank. However, after agreement on a vehicle and purchase price, the XXXX XXXX finance officer insisted that we give XXXX XXXX in-house financing an opportunity to beat our BOA pre-approved financing we came with. They were unable to beat our preapproved financing, so obviously we did not go with their lender. 

Last month, my daughter and I received an Adverse Action Notice sent by Westlake Financial dated XX/XX/2024, stating that our credit application at XXXX XXXX XXXX was declined. The notice further sited poor credit performance, Too few accounts paid as agreed, and length of time accounts have been established. 

Please note that my credit score is XXXX and even my young daughter has a score of XXXX with a long history of above excellent credit. This Adverse Action Notice is not only dishonest in its negative adverse action reason but also discriminatory in its attempt to disparage the credit rating of myself and my daughter. The credit application at the time of our visit was in fact withdrawn and should have been dispositioned as No Action Taken { XXXX XXXX Notifications } as we canceled the credit request on site.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a loan and when SBA pulled my credit SBA stated my credit score with Experian was a XXXX However, I have an account with Experian and when I logged in and check my score its says a XXXX  credit score. Why is there such a different score when I and the SBA are pulling credit scores from the same source? It is not fair that I didn't get my loan because of Experian 's unfair practices. If they are showing a lower credit score by 100 points then I should be able to see it too! I have no late payments on my credit score but they provided a low score to SBA which is not right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE LETTERS WERE SENT TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY AS PER THE FCRA HAD TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''. THE AGENCY FAILED TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I file Bankruptcy XX/XX/23 and all creditors have been notified. The credit reporting company has reported being notified and still had the balances on my report as well as open accounts they were closed. They have not given me a copy of the report every time I sent the ID & Proof of address they request they ignore me. They are reporting inaccurate, not providing me a copy of my report, not updating my new balance decreases. They still have so many inaccuracies reporting even after they were notified. XXXX accounts were closed, cc were closed XXXX balances, car loan closed no balance/
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account name : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Account name : Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ( XXXX ) XXXX Account names reporting Hard Inquiries UPDATE IMMEDIATELY!!! 
Here are the inquiries on my credit report PLEASE UPDATE ON ALL CREDIT BUREAUS TransUnion, XXXX, and XXXX to my credit report with updated AND corrected errors. 

XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On XX/XX/2022 i was contacted by a debt collector named Southwest credit syste, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in XXXX  now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX AM, in XXXX XXXX is central time which is one behind of XXXX XXXXime.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Product: Debt collection

I requested creditor agreement stipulating the alleged debts owed by me and all evidence claimed validates the alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a complain against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report with accounts that are not active. These hard inquiries are on my Experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got XXXX XXXX on XX/XX/XXXX and unfair dismissal in the workplace last week XXXX XXXX. I will sue that company and the XXXX of XXXX XXXX and fight in court. So, since I have no income during the litigation period, I hope to receive mortgage support or forbearance.I pay about {$2600.00} every XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX Act # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX Act # XXXX XXXX holdings Act # XXXX XXXX  Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX  also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.
Product: Credit reporting or other personal consumer reports

I had vehicle insurance with them and out of nowhere they added XXXX additional people to my account causing it to rise tremendously. I called and informed then that added people lived somewhere completely different from me. I asked them to adjust account and remove the XXXX added unauthorized people to my policy. After several requests this still wasn't done. The other people do not Stay with me at all.
Product: Mortgage

XX/XX/2022, I applied for loan modification due to XXXX and XXXX XXXX. I only missed three months because the forth month I was waiting for loan modification approval. My mortgage payment was {$1700.00} with three percent interest. XX/XX/2022, I called Selene Finance to follow up on loan modification status. Representative advised my modification has been approved. XXXX new modification has XXXX percent from XXXX percent and new mortgage payment amount {$2400.00} from {$1700.00} before applying. My escrow is {$3000.00} dollars. I believe if I had temporarily not able to pay my mortgage XXXX comes up with this unfair practice.
Product: Debt collection

Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.
Product: Credit reporting or other personal consumer reports

XXXX has failed in their obligation to limit furnishing on a consumer report with verification of verifiable documentation of written instructions of whom the consumer relates I am asking for verifiable documentation of written instructions of whom the consumer relates 15 USC 1681e compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 USC 1681i Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX XXXX Account Number Unknown XXXX XXXX Hospital Dates of Service XX/XX/XXXX, XX/XX/XXXX Emergency Room Visits Medical Coverage at that time was the Veterans Administration, 100 % XXXX veteran Today, XX/XX/XXXX I received a phone call from Phoenix Financial Services collection agency about an outstanding bill. According to hospital records and XXXX XXXX XXXX records, my accounts have a XXXX balance. These accounts were paid by the Veterans Administration over 6 months ago. Phoenix Financial Services stated they  were forwarded this collection from Altheon.and they would not withdraw the collection action. The Veterans Administration advised me to contact them if I received any demands for  payment from any agency regarding these services. XXXX will not communicate with me by phone, only email. I have emailed them numerous times today with no satisfactory response, only requests for information that they already have in my account file, or the email I sent them initially. I have never received any letters at any time from either XXXX XXXX XXXX or Phoenix Financial Services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some hard inquiries appeared on my Transunion credit report, which are supposed to be a fraud, and I want to remove them for accuracy. Those inquiries did not link to any accounts opened since those days. 
List of hard inquiries I don't recognize : XXXX XXXX XXXX ( Bank ) on XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) on XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$800.00} via XXXX through my bank XXXX XXXX, to a company XXXX XXXX XXXX XXXX to purchase a Puppy. Turns out it was scam, I never got a puppy. I reported the scam to Capital One the same day when I realized I had been scammed. They said they would investigate. XX/XX/XXXX I get a decision email saying my claim was denied because there was no error. Capital One should be protecting the interests of there customers. You should not be able to be scammed using an app through your bank to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX I do not understand what more information i need to provide for them to close the accounts mentioned above.
Product: Checking or savings account

Capital One has lied to me about interest rates on my savings account. I complained about it to the company and they told me theres nothing they can do and closed my account.
Product: Money transfer, virtual currency, or money service

PayPal has a number of security issues and outrageously bad customer support. On XX/XX/2023 my PayPal account got hacked. I received emails that somebody added a credit card to my account, simultaneously made 3 identical transactions to a made-up person name in foreign funds on 2 of my credit cards ( there were more transaction attempts but the bank blocked them ), then closed my account. All within 3 minutes. It seems that adding a credit card allowed to bypass account security and the hacking operation was automated. I also received messages from my bank who detected the problem, I confirmed that it was unauthorized activity and asked for replacement cards. PayPal didn't detect those obviously fraudulent transactions, neither did it confirm by email that I authorized closing the account. All I got in the PayPal email was that if I didn't authorize closing my account, I have to go to the site and press " Contact ''. I did so but they required me to log in into the closed account which is impossible. I registered another account with another email and contacted help desk, they opened a case for unauthorized transactions in my deleted account. However, soon after I received a message that the case was closed, they didn't find any suspicious activity! I insisted to the help desk that they reopen the case ( took me 2 days, they assured me a few times they reopened it but it didn't work ), but then they miscalculated the total amount ( lower than it's supposed to be ) and wouldn't correct it. I also kept asking to reopen my account but they refused to do so giving contradictory reasoning ; like they don't have my data any longer as they delete everything except customer email and phone number upon closing an account ; but then I asked how they can overturn transactions if all my financial information was deleted ; and they wanted to collect more private information from me for " verification ''. I'm still not sure if they still have all my information in the database but lie about it or they have a security issue not being able to overturn fraudulent transactions from a closed account, but wouldn't admit it pretending they were working on my problem. I spent 5 ( FIVE ) days trying to resolve the issue but the conversation was going in circles giving me canned answers. Anyway, I ended up contacting my bank since those 3 transactions went through even though the bank was supposed to block them. The bank promised to overturn them. But the reason they went through was because they were charged by PayPal on the new replacement cards issued by the bank, 2 hours after my account was closed! It's the time when I pressed a button to replace my cards. The bank considers PayPal a " trusted '' source, so when it issued the replacement credit cards it immediately sent the numbers to PayPal. But PayPal shouldn't be trusted as it charged the new cards for the same fraudulent transactions, overturning the bank suspending them! And it happened in a closed account, no problem. Now I'm getting new new replacements cards since the new ones were compromised again by PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Western union netspend supposed to release my money bank in my account Monday XXXX I file a dispute with them and when I try to login my account they put a lock or frozen on my account to keep me from accessing they ask me to scan my drivers license I did they told me they couldnt verify that so I talk to the rep on the phone was confused and making up lies about my account so they send me an email to upload my drivers license and other personal information like bank statements SSN AND phone bills and soon they saw the XXXX XXXX XXXX XXXX on my drivers license they immediately started acting different towards me on handling my account and being rude and I told them yall the fraud the company accepted my information and still denied if service for me and closed my account doing the process on fixing my account and started a dispute with them on adding my money back in my account