23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/18 I applied for a new mortgage to refinance my home with Quicken loans. They charged me {$500.00} as an application fee. 

On XX/XX/18 Quicken arranged for an appraiser, XXXX XXXX to appraise my home. 

That appraiser, supplied a report to Quicken that was full of flaws resulting in an appraised value of at least {$300000.00} lower than the fair market value of my home. 

I complained to Quicken and they refuse to refund the money I paid them. They say a third party arranged the appraisal and they paid {$610.00} and there is no money to refund.

Either Quicken or me will be out the {$500.00}. It shouldn't be me. It's not my fault their appraiser didn't measure the square footage correctly or consider recent sales comparables that would have resulted in an appraisal of over {>= $1,000,000} instead of {$870000.00} as supplied by XXXX XXXX. 

Now, as of a half hour ago, Quicken has obviously sold my information to another mortgage broker, XXXX XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX. He called telling me that he got my name as someone that applied for a loan at XXXX and it didn't work out. Asking if he could work with me on a loan. 

I have heard from XXXX XXXX, Lead Resolution Advocate at Quicken Loans several times, stating they're sorry I'm not happy with the appraised value and they won't refund my {$500.00} fee. She can be reached at XXXX QuickenLoans.com
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit card or prepaid card

On XX/XX/2023 I became a victim of fraudulent charges on my Square debit card. There were a total of XXXX unauthorized transactions 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 XXXX XXXX I made Square aware XXXX the charges on XX/XX/2023. The Rep, XXXX, was sorry this happened to me and assisted me with disputing charges. During the call I disputed all charges. XXXX assured me someone will be reaching me if they needed any additional information. XXXX also stated that all charges were made online. 

XX/XX/2023 I received numerous emails from Square stating that these charges were found to be fraudulent and my account will reflect the refunds within 5-10 business days. I received all with the exception one charge back. 
XXXX {$510.00} HAS NOT BEEN REFUNDED Ive called Square every business day since XX/XX/XXXX asking to speak with a manager and dispute team. Ive been told every conversation that the teams communicate via email no phone calls, however, no one has reached back to me in this matter only reps. I get told every day that Im requesting a thorough investigation on my account but I am not getting anywhere. This is the first time this has happened and I feel like I reached a dead end. I hope someone can help me receive my money back
Product: Payday loan, title loan, or personal loan

XXXX Applied for loan via online website. Loan was approved with the following terms : Amount financed- {$4500.00} Term- 36 months APR- XXXX XXXX was to be automatically debited from my account each month. So at the end of the 36 month term I would have paid a few dollars shy of {$6000.00}. This would be about at extra {$1700.00} ( since the origination fees brought my actual deposit amount down to {$4200.00} ). 

( I have attached screenshots of all the above terms ). 

XXXX AFTER I received my approval and the money was deposited. I was given the opportunity to look at my account ( this option is not available before the money is deposited ) It is then that I see there will a DAILY accrual interest rate of {$2.00}. Which would meant at the end of the loan I would have paid an extra {$2600.00}. I was never made privy to this. 

XXXX I called a XXXX rep who transferred me to the verification office. 
I have documented a verification rep saying I dont even see a daily accrual as per of your terms so she transferred me back to someone who works in approvals who proceeded to incorrectly explain how math works. 

When I told him to crunch the numbers and see for himself, he at first said my loan is 23.4 % ( incorrect ) I asked him was the interest rate increased in the 48 hours from loan origination to deposit, because that was not on any of the documentation I have. 

He then admitted I was correct as far as the APR but had no answer as to why it was higher. 

He transferred me to another rep, I explained the situation to her and she said to hold so she could consult her superior, she came back on the line and I asked what would be done, she then immediately disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit accidentally, maybe.my kid pressed a button while browsing and it was auto filled. I never wanted a credit check and my credit was affected. I need this removed because I am working on my credit and want a decent vehicle in the future.
Product: Mortgage

To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Product: Debt collection

I am submitting this complaint in connection with this fraudulent account opened in my name due to identity theft. I am refusing to pay this debt because I did not authorize it or benefit from it. I reported the identity theft, contacted the company and still this remains unsolved. They provided a response but it is only the fraudulent information that I discovered to be fraud. I have tried reaching out to this company several times and I dont get a response just unauthorized mail and collection calls. This complains to notify of refusal to pay and cease calls and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to change, alter, and update a charged-off debt, including eliminating the last active date on a Charged Off account from 2015 that is more than 7 years old. When it is disputed, the information is simply updated and changed, including the amount of the debt, the dates of the debt, and the charge-off date or reporting date to reflect what they claim to be accurate. They state that such debt can remain on my credit for another 10 years with no explanation whatsoever. This account was disputed due to gross inaccuracies and I was told, that allows them to update it and the clock starts over, so it's best I just don't dispute it if I want it to fall off my credit after another 10 years. This is a clear violation of the fcra and Equifax has done this at least six times as a result of the investigation and reinvestigation of this debt. 

Equifax has also continued to sell my information to marketing companies under altered or inaccurate names. I have received credit cards in the mail under aka names that are not associated with me. 

I have been on the opt-out for quite some time but they state I can get their offer for up to one year after opting out. The last offer received was distributed to a credit card company three weeks ago and the company has verified the information on when they received my inaccurate name for their credit card offer and who provided it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud there are accounts on my report that were opened fraudulently that I am trying to get removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}. 

I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}. 

XXXX  received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX for investigation. It obvious XXXX   have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX : Account # ending XXXX with the balance of {$5200.00} result in CHARGE OFF. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified Experian and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by Experian stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called Transunion to open an investigation concerning an item on my credit report from XXXX XXXX XXXX for a XXXX XXXX credit card. I advised the representative at Transunion that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked Transunion to investigate. I logged into my XXXX XXXX app and saw that Transunion has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. Transunion did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested repeatedly for the company XXXX XXXX and also XXXX, Equifax, and XXXX to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my credit report does not belong to me and I didn't give authorization.
Product: Money transfer, virtual currency, or money service

eToro brokered an unsecured loan to me to create a cryptocurrency transaction. After the transaction was completed, eToro required that I provide a loan repayment from an outside source to be directed to an unknown addressee recipient. eToro refuses to let me repay the loan from my account so I can access my funds.

When questioned, eToro now claims it does not broker loans although our documents show otherwise. Now, eToro is holding my money hostage for repayment of a loan to an unknown source.

This is fraudulent and this agency needs to compel XXXX to open and reveal its customer service records with me and this agency. 
I have screenshots of the transactions and customer service dialogue available. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments on a Closed Account ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account is reported as " Paid, Closed '' as of XX/XX/XXXX, meaning no further payments were due after that date. 
However, the report incorrectly shows a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, despite on-time payments being reported for prior months. 
If the account was closed and paid, it is factually inaccurate to report delinquencies during that time, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account. Failure to Accurately Update
Account Closure Status ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance section of the report is blank, yet the payment history reflects a past due status, which is contradictory. 
The reporting does not clarify whether any outstanding balance was due at the time of closure, making it unclear and misleading.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and clear credit reporting to ensure the account details reflect actual payment history.

Failure to Provide Correct Payment History on a Paid Account ( 12 CFR 1002.10 Furnishing of Credit Information ) Since the account is marked as " Paid, Closed, '' it should not continue to reflect missed payments after closure.

The reporting of late payments on a fully paid and closed account is inaccurate and misleading, which negatively impacts my credit standing.

This violates 12 CFR 1002.10, which mandates that creditors ensure credit information is furnished accurately and updated properly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that creditors ensure credit information is correct and properly updated. The erroneous delinquency reporting on a paid account violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Validate Account XXXX  Account Number : XXXX Please remove it from my credit report.

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. Validate Account Account Number : XXXX Please remove it from my credit report.

9. Validate Account Account Number : XXXX Please remove it from my credit report.

10. Validate Account Account Number : XXXX Please remove it from my credit report.

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. Validate Account Account Number : XXXX Please remove it from my credit report.

13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is a fraudulent charge from XXXX toXX/XX/XXXXXXXX. On XX/XX/year>, I informed XXXX that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the XX/XX/XXXXXXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XX/XX/XXXXXXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XX/XX/XXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of XX/XX/XXXXXXXX ( XX/XX/XXXX ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract,XX/XX/XXXXXXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.