23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im a senior citizen and have a mortgage for over 28 years and have not had a problem until Guaranteed Rate took over my mortgage. 

Guaranteed Rate is the mortgage provider for my building : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX The building is a three flat. Two of the units are rented and my apartment is a vacation rental unit. 

Since I have another residence in XXXX and travel, I do not spend much of my time at my primary residence. I asked Guaranteed Rate to send all non-secure policy information via email so I have current information on my mortgage. 

Guaranteed Rate has a convoluted and confusing policy to request email communication. 

I submitted a written email request form. After three to four weeks Guaranteed Rate response was their policy does not allow any type of email communication. 

To add to the confusion, I pay my Guaranteed Rate mortgage through a third-party XXXX XXXX XXXX XXXX . 


My XXXX XXXX XXXX online account is Your Mortgage Online, XXXX XXXX XXXX is a Guaranteed Rate website. 


Your Mortgage Online has limited information and errors in the Loan Payment Activity webpage, XXXX XXXX XXXX. 

Guaranteed Rate does not use their Secure Message Center, XXXX XXXX XXXX to communicate important policy information. 

A problem occurred with my property tax increase. Guaranteed Rate mailed that the escrow amount in my monthly payment would increase due to the tax increase. 

Since I wasnt at my primary residence I did get notification of the price increase. 

Guaranteed Rate again refused my request to notify me by email. They also refused to appoint a single-point of contact to resolve outstanding issues. 

Although Guaranteed Rate will not communicate to customer via email, they use email for information to refinance my mortgage with Guaranteed Rate. 

Also, in non-compliance with their email policy, I received an email today from Guaranteed Rate that they are transferring my mortgage account to XXXX XXXX XXXX. 

Guaranteed Rate policy makes it impossible for me to effectively manage my mortgage account and could lead to negative credit rating. In prohibiting email correspondence, Guaranteed Rate compels telephone conversations eliminates email documentation of the complaint process.
Product: Debt collection

I PAID OFF MY DEBT. I NEED MY CREDIT REPORT AND PUBLIC RECORDS TO REFLECT THIS. ALSO NEED THE JUDGEMENT REMOVED AT THE COURHOUSE. IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I called my bank holder which is XXXX to report a problem about my credit journey. 

When i talked to one of the representatives she told me that in 2 days someones going to call me to assist me further with this problem. 
So what happen was, In my credit Journey page theres an unknown account from LVNV funding LLC with balance of {$2300.00}. 

I basically reported a credit card fraud last year and i think this one is connected to the other credit card thats been investigated and closed. 

Ive been living in NY since i moved to XXXX and i believe this was registered in California as the other fraud credit cards are. 

I dont have credit cards and i was really disappointed that this is happening to me. 

I want to build score so i can have a credit card but if this kind of fraud keeps happening it will be impossible for me to do so. 


Id be happy if you can help me with this problem. 

Thank you
Product: Debt collection

The disputed amount is {$700.00} which is a false statement. We owe nothing on moving out. XXXX XXXX had lost a injury lawsuit to me before we moved out, and this is their retaliation tactic. I have statements from previous residence, that says they were not charged any type of cleaning fee which is what they described my bill as. This is a retaliatorial attempt to get back the money that they lost in my injury lawsuit against them.
Product: Credit card or prepaid card

Wayfair advertising a store credit card that offered a choice between 5 % back or up to 24 months interest free financing on purchase. 

When I went to purchase my products ( I was logged into my account with my Wayfair store credit card attached to it ) in the steps during checkout, Wayfair advertised that I was eligible for a 24 month no interest financing at the amount of my purchase ( approximately {$13000.00} ). I checked for fine print ( of which there had been none in the entire checkout experience ) to see any other details but found none. So, I checked out using my Wayfair store credit card. 

To my surprise, it was rejected. When I called to ask why, it was because the amount of my total purchase ( even thought it was to be financed ) exceeded my credit limit ( approximately {$3500.00} ). Despite no monthly payment exceeding my credit limit, I was inelgible according to the customer service representative. I escalated my complaint, submitted screen recordings of the process and challenged what I see as false advertising of a promotion. Wayfair, during checkout, clearly stated that I was eligble for this promotion at the amount of my purchase. Note this wasn't a print ad or an estimate in an email. These terms were within the checkout process, one that had my card information ( and thus my credit limit ) included along with all of my contact information. Within my email to Wayfair, I asked for an update on a how this will be fixed asap for other shoppers like me, and never heard back. 

One last point, all of this took place on " way day '' - wayfairs biggest sale of the year with deals and discounts that aren't available the rest of the year. 

I have not recieved any contact from the company. 

Please note, I have a longer screen recording, but can't share the file due to its size. Happy to follow up with that over email, etc.
Product: Credit card or prepaid card

On XXXX XXXX, I made reservations through XXXX for The XXXX in XXXX XXXX, NJ, for the date of XX/XX/XXXX. I proceeded to make another reservation at the XXXX XXXX in XXXX, PA, for the following date of XX/XX/XXXX. 

On XX/XX/XXXX, my Synchrony XXXX XXXX XXXX XXXX XXXX charged by an unknown company XXXX XXXX  ) in the amount of {$280.00} in relation to a reservation at The XXXX. Synchrony closed that card and issued me a replacement card with new numbers. 

When I arrived at The XXXX on Saturday, XX/XX/XXXX, they showed only one reservation made in my name. My defense is that only one reservation was made by me online. 

On XX/XX/XXXX, I spoke with XXXX from The XXXX in XXXX XXXX XXXX XXXX ( EXT XXXX ) and only one reservation shows online purchased through XXXX 

When I googled XXXX there are several complaints of fraudulent charges concerning their company that show up instantly. 

Upon reviewing my case, Synchrony Bank has denied that the charges from XXXX are fraudulent and have denied the requested refund to my account. As a result of that I closed my credit card.
Product: Checking or savings account

My income tax refund from XXXX for XXXX taxes was deposited into someone else 's account without my person. The bank confirmed receiving the funds and confirmed my name was not on the account nor any account with this bank. Was giving the run around referring me to IRS or XXXX XXXX. I have the account number it was deposited into but not the name of the recipient. This was around XXXX. I will be contacting an attorney or filing a small claims lawsuit if I can not get my funds returned. I have all the paperwork to back this up.
Product: Student loan

Hello : I am a cosigner on XXXX of my daughter 's student loans serviced by AES. Over the past few months, I started receiving from AES a XXXX-page stack of documents each month in the mail that includes : Direct Debit Extraction Reminder ( do n't care ; it 's not coming out of my account ) Loan info. ( have access to it online at any time and do n't need or want to be notified unless there is a problem like a past due amount - which there never has been ) Over XXXX pages of boilerplate ( which I definitely do not need to see each month ) Three times, I faxed requests to AES asking that AES quit sending this to me and to only contact me if there is a problem ( see attached for communications with AES and proof that AES received the faxes ). They will not stop sending this junk and have never even acknowledged my faxes or concern, with the exception of a form letter that did not even address my concern ( also attached ). 

I do n't want my mailbox bombarded with junk I do n't need or want. I 'll also point out that the mail is inherently unsecure, and AES is negligently putting unnecessary information in the mail to me that would greatly help an identify thief if they got their hands on it ( which could happen anywhere along the mail chain ). AES is unnecessarily putting me at risk, and I do n't appreciate it. I want them to stop mailing this to me. 

Thanks for your help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the 3 consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. Equifax online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of XXXX XXXX. 

I have called XXXX XXXX - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, Equifax is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

Equifax sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Zelle, a money transfer service, in regard to a recent issue I encountered where I was unable to access my funds and was not properly notified about Zelles policies regarding refunds for incorrect transfers. 

On XX/XX/2024, I attempted to send money through Zelle, but due to an error, the funds were sent to the wrong recipient. Upon realizing the mistake, I contacted Zelle immediately in hopes of retrieving my funds. However, I was informed that Zelle could not assist in reversing the transaction, as it had been sent to an unintended recipient. 

What concerns me the most is that I was not adequately informed about this limitation prior to using the service. Zelle did not notify me that they do not provide a method to recover money sent to the wrong recipient, even though this is a scenario that should be expected with any money transfer system. I was also not provided with any information about how to properly prevent such situations or what steps I should take if such an error occurs. 

As a customer, I believe I should have been informed upfront about these risks and limitations, particularly when using a widely promoted service like Zelle. I did not receive sufficient communication regarding the lack of support for recovering funds or the risk of sending money to the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY XXXX  REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my XXXX report off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Product: Debt collection

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due since there is no breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXXXXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified mail, Letter to collection to remove debt
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX XXXX XXXX after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries on my credit report with Equifax. This dispute is filed under the Fair Credit Reporting Act ( FCRA ) Sections 611, 609, and 603. I have reviewed my credit report and found numerous hard inquiries that I did not authorize and have no knowledge of. 

Details of Unauthorized Hard Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relevant Information : FTC Report Number : XXXX Identity Theft Report : Attached I am a victim of identity theft, as indicated in the attached Identity Theft Report filed with the Federal Trade Commission ( FTC ). According to FCRA Section 611, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Section 609 grants me the right to request all information in my file, including the sources of the information. Section 603 defines the permissible purposes for which a consumer reporting agency may furnish a consumer report. 

These inquiries have had a significant negative impact on my credit score and overall financial health. As a result, I demand that Equifax immediately remove these unauthorized hard inquiries from my credit report.