23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I refinanced my home, the mortgage was sold immediately to Amerihome Mortgage. I received a letter in XX/XX/XXXX from Amerihome stating that I did not have home owners insurance on my property, and they were going to start applying forced insurance to my mortgage if I did not supply them with insurance for my property. I called them immediately and let them know that XXXX, XXXX Home insurance, was my Home owners insurance since I purchased the home in XX/XX/XXXX. They told me that they knew that XXXX was the insurance company on the home but they needed a new Declaration page. So I called XXXX/XXXX  the same day and they sent the Declaration page to Amerihome. I received another letter from Amerihome dated XX/XX/XXXX, that said this was my second and final notice that they were going to start charging me since I did not have insurance. I also received a letter from XXXX saying they had canceled my insurance because Amerihome did not pay them the premium from my escrow account. So I called XXXX/XXXX and they explained to me it had not been paid so I paid them the {$470.00} with my credit card. I called Amerihome again they told me that they had received the information from XXXX but it did not list them as the lien holder, I asked if I had XXXX send them the updated Declaration page would they refund my {$470.00} and they said yes. I called XXXX, and they sent the corrected Declaration page to Amerihome. I called Amerihome to make sure they received it and they said yes, I asked when I would receive my refund and they said a week to 10 days. I waited and never received the refund. I called Amerihome 2 days ago to see what the problem was, I spoke with a customer service agent and explained my problem, she put me on hold for 43 minutes and then hung up on me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my annual credit and consumer report from XXXX XXXX, Early Warning Services and XXXX XXXX. I want XXXX XXXX, Early Warning Services and XXXX XXXX to send me a complete copy of my annual consumer report via USPS mail. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Minnesota XXXX XXXXse Number is : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX. I put a {$1500.00} down payment on this vehicle The total price of this vehicle was {$6000.00}. I was financed through a third party financing company named United Auto Credit at a rate of 21 %. United Auto Credit address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have been trying to get my license plates for this vehicle through the local DMV but was told twice now that they ( DMV ) has not received the title from the car lot nor the finance company. The DMV has given me two 60 day temporary tags but can not issue anymore without the title or necessary paperwork. So far I've paid nearly {$4000.00} into a vehicle that I can not legally drive or even obtain the title for. Obviously, I can not return the vehicle without damaging my credit. I have lodged a complaint through the DMV, the XXXX, the FTC, and now the CFPB. I've also spent over a {$1000.00} on general maintenance and other repairs on this car.
Product: Credit card or prepaid card

On XX/XX/XXXX I was unable to login, view my balance, make a payment, or view statements. When attempting to login I was asked to verify my identity by uploading a photo of myself, social security card, and drivers license. The app would not allow me to take the phone making it impossible to verify even though I had all the necessary documentation. I have had a line of credit for 7 months with this company all the while they have been reporting to all three credit bureaus. 
On XX/XX/XXXX I attempted to call the company 11 times to speak to a customer service representative. Those 11 times resulted in a message stating no representatives were able to take my call. Again on XX/XX/XXXX, I sent 3 email messages and received an auto response stating I would receive a response within 2 business days. Today is XX/XX/XXXX and I have still not received a response. 
I am livid at this behavior. I have been a consisted user of this card and to be left with no response to a serious issue is ridiculous.
Product: Money transfer, virtual currency, or money service

Cash app taking money @ when I call they sen me to a recording mach @ i keep calling back getting the same thing from cash app
Product: Credit reporting or other personal consumer reports

Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically XXXX and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. Lexis Nexus is one of the major third party bureau 's reporting wrong information as well.
Product: Credit reporting or other personal consumer reports

WESTLAKE FINANCIAL SERVICES has ruined my credit report by inaccurately reporting a closed auto loan on my XXXX credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect credit score. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with WESTLAKE FINANCIAL SERVICES that I have never missed a payment on. WESTLAKE FINANCIAL SERVICES has violated my rights and grossly misreported a closed charged off auto loan onto my XXXX credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling WESTLAKE FINANCIAL SERVICES customer service number and kept being put on hold leading to them just hanging up the phone on me. WESTLAKE FINANCIAL SERVICES operates extremely inefficiently and does not do good business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Product: Mortgage

I have been under contract to purchase since XX/XX/21. The Lender, Sprout Mortgage, has delayed the transaction multiple times. After receiving the contract, the loan was never disclosed. I have never received a Loan Estimate. It took weeks for the initial appraisal to be ordered. Now I have been charged for 4 different appraisals, none of which have been completed. I still have not received an actual appraisal report. Now they want to charge for a 5th appraisal, having only refunded 2 of the previous 4 charges. I have asked repeatedly for management to reach out to me and have not received a single follow up. I have emailed their info desk, asked my LO, as well as the account executive for managerial follow up and nothing. I have lost out on my earnest money, {$1000.00}, and am still waiting for the 2nd ( {$1200.00} ) and 3rd ( {$760.00} ) appraisal fees to be refunded. Sometimes the LO, XXXX XXXX, and processor, XXXX XXXX, will go days without replying to me. This really has been the worst mortgage experience ever. I hope no one ever has to be played with and defrauded like I have been.
Product: Credit reporting or other personal consumer reports

Accounts showing on my credit report that do not belong to me. 

XXXXXXXX XXXX is not an account that belongs to me XXXX XXXX XXXX  is not an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit card

I received about XXXX automated calls from what I thought was affirm on XX/XX/XXXX. It kept asking me to confirm my account and hung up on me. I contacted affirm and they said it was not them calling me. I was locked out of my account when I went to check it on XX/XX/XXXX. So I called affirm. Over the phone they verified all my transactions. At that point they communicated an affirm card was opened XX/XX/XXXX and and a transaction was attached to it. I notified them this was not mine. I was told they would submit the XXXX  charge for investigation and removal. I was able to login today and see Im being charged for this transaction and it is still sitting on my account. I called and the rep told me it would take XXXX days to review but in the mean time I may still be charged. I asked to payoff my other valid transactions and close the account because it is not secure and the rep told me even if I pay the account off I have to wait XXXX days before Im allowed to close my account. I asked why once its paid in full I shouldnt have to wait. He then told me hes following XXXX politics said have a nice day and hung up on me.
Product: Credit card or prepaid card

I noticed several violations against me as a federally protected consumer. These violations appear on my consumer report and are a violation to me as a federally protected consumer, I the original creditor did not give navy federal permission to close my credit card and this was done without my knowledge I demand navy federal provide me with a new credit card and new account number with access to the credit line I previously had seeing that these balances have been paid in full I should be granted access to the available credit I allowed navy federal to extended to me. I demand that navy federal update all of these accounts as paid as agreed and remove any negative reflecting information regarding these accounts ie remove all late payments as remedy for the violations against me as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INQUIRY ACCOUNTS REPORTING.
Product: Prepaid card

I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX, Equifax and XXXX ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XX/XX/XXXX I have not received a response from Equifax or XXXX. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XX/XX/XXXX Please attachments-
Product: Credit reporting or other personal consumer reports

Please remove unauthorized inquires from TransUnion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should  redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of  Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my Equifax credit report and see unauthorized inquires on my account
Product: Credit card or prepaid card

Since some XXXX put these chip readers in. Several stores readers using CREDIT CARDS refuse to process the cards without a pin number. If I use my pin then the XXXX at huntington charge me extra fee as a XXXX card when I plainly hit CREDIT on the terminal. This SCAM is no longer acceptable.
Product: Checking or savings account

On XX/XX/year>, I the process to stop a check for {$1000.00} which showing as uncashed my account and not pending. It was to a construction company who we fell into dispute and it was agreed- no work was to be done so the check was to remain uncashed. As a caution I stopped the check via the Citibank banking portal. My concern is with Citibank who did not show the charge as debited or pending a debit on my account as XXXX XX/XX/year>, I received notification that check had been stopped, however on XX/XX/year>, check appears as debited from my account as XX/XX/year>, contradicting confirmation that the check had been stopped. This is misleading to the customer, I called to complain about the discrepancy and delay in posting which is misleading, they apologized and said there is nothing they can do, but will take my feedback.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I had a loan out with Citizens One Auto Finance for my XX/XX/XXXX XXXX XXXX when I was in XXXX. I paid off the loan and received a payoff statement from the bank dated XXXX XXXX, XX/XX/XXXX. The VIN # on this vehicle is XXXX and the account # is XXXX. 
On XXXX XXXX I went to the XXXX to get plates for my truck as I permanently move to XXXX XXXX XXXX, XXXX to address on front of this paper. I sent my XXXX plates back to the XXXX in XXXX, With XXXX auto insurance in hand, title, and payoff letter from this bank, the XXXX would NOT issue me plates dues to no signature sign off on the payoff letter. 
Product Vehicle loan Issue Managing the loan or lease
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XX/XX/year>
Product: Credit card

The person listed below attempted to open a Chase Credit Card in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX Phone : XXXX Application submitted : XX/XX/XXXX