23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2017, I was filling out an application through Quicken Loans ' Rocket Mortgage program to see what products they could offer me for a condominium I was purchasing in a new development. I specified the details of the home as well as the down payment I was willing to put down and I provided all of the necessary financial information they requested. I provided my SSN and  my wife 's SSN as well. There was no indication of what mortgage products Quicken Loans had to offer and before making sure they had any mortgage product they could offer me, they immediately performed a hard pull on my credit report and on my wife 's credit report. I learned after this that Quicken Loans does not offer any mortgage products for condominiums in new developments and that our credit reports did n't even need to be pulled. I called Quicken Loans to complain about this issue, but they argued that a vague disclaimer that mentioned nothing about an immediate pull on your credit before considering mortgage options was enough to free them of guilt. I have spoken to several lenders and every single one of them always checked to see what potential products could be available for my wife and I before they made a decision to pull our credit. Several of the other lenders we spoke to also had no programs for new construction condominiums, but they informed us prior to ever pulling our credit.
My complaint is that Quicken Loans did not ethically, permissibly, nor reasonably perform hard pulls on my credit report and my wife 's credit report. They had sufficient information early on in the application process to know that they had no mortgage option available to us regardless of our credit reports. They also did not get permission to perform an immediate pull on my credit report without considering what options would be available.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter
Product: Credit card or prepaid card

I have a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt...

Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Product: Credit reporting or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}
Product: Debt collection

XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.
Product: Debt collection

In XX/XX/XXXX I was contacted by credit bureaus regarding cell phone accounts that was now on my credit report. I contacted XXXX XXXX  XXXX, XXXX, and XXXX  about the fraud. XXXX  and XXXX   both concluded that the accounts are fraudulent. XXXX  denied having any accounts in my name after giving them all of my correct information. XX/XX/XXXX I recieved a letter through XXXX XXXX saying that a XXXX  account was reported to them in the amount of {$3800.00} I contacted them and explained the fraud on my account that day. I also contacted XXXX  the same day and they had me mail out the fraud packet to them and also XXXX  recieved the same information via email XXXX  did. XXXX  originally removed this from my credit report on XX/XX/XXXX. Next XX/XX/XXXXsubmitted the account to Diversified ADJ SVC. I again made the complaint again to XXXX  and submitted my information to XX/XX/XXXXagain. I filed the police report and the FTC report between XX/XX/XXXX. I didn't do it sooner because I thought it was taken care of. Diversified did remove it from one credit reporting agency but not all of them. I called XXXX again to see why they didn't do it to all of the credit bureaus and they said because it was not fraudulent. I then contacted the XXXX XX/XX/XXXX and XXXX  executive office  contacted me to look at what was going on. I again sent her " XXXX '' most of the same information I sent XXXX the first three times and they again said it was not fraud and that I do not have any fraud reports on my credit. I told them to look again and she said they can not do that.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade Act Commission. 
Please do something about credit card companies bleeding consumers like me and XXXX knows who else dry? 
Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hoping you can help me with a problem I'm having with the Credit Bureaus. I filed disputes with all 3 of them and have yet to received any reply from them. I did this back in XXXX how long does it take? I was told it was only 30 days its over 30 days. How do I get them to reply to me and fix my credit report?
Product: Credit card

On XX/XX/year>, I received a phone call from a person claiming he worked for " US Bank '' and XXXX XXXX, who was recommended what I know understand to be a fraudulent " Debt reduction company ''. This person took down my personal information and assured me that they would assist me in consolidating my debt with US Bank and XXXX XXXX and that I would be debt free. I trusted this person and provided them with my personal information. Later, when I looked up the company on the XXXX, I realized that many individuals had been scammed by this company. On XX/XX/year>, I called US Bank and XXXX XXXX to ask that I felt I had been scammed and I did not trust this company and I did not want to go forward with the transaction. Both US Bank and XXXX XXXX said they would conduct an investigation. XXXX XXXX concluded their investigation and reimbursed me for the amount I was defrauded. US Bank investigated and they denied my claim ; they have not provided a reasonable explanation for their denial ; they have not refunded me the {$9900.00}. that this fraudulent company charged by US bank credit card. There is absolutely no services that were ever rendered for this supposed transaction. 

Since XX/XX/year>, I have had absolutely no contact from the debt reduction company. They never provided any contract nor any sort of documentation showing that there was a transaction that took place.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Summary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.

I was previously unable to access my credit profile, which further supports my claim of identity theft.

Failure to Update Personal Information : My personal information has not been updated despite multiple requests. 

I have requested that my full legal name be displayed as XXXX XXXX XXXX only. 

All outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

All phone numbers currently listed should be deleted. 

My Social Security number and date of birth should not be displayed on my credit report. 

My employer information should be deleted.

Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. 

Experian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. 

Failure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Disputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.

I demand an immediate investigation and correction of these issues.
Product: Checking or savings account

I have a payment plan with Eagles account for a medical bill of around {$8000.00}. Payment plan started in XX/XX/year>, and has been being taken out monthly in the amount of {$200.00} and I lowered it to {$100.00} for a little. Then 3 days ago I received a summons to appear in court. When I called them they stated the XXXX payment didnt go through. They didnt inquire before hand and I assumed everything was being taken out like it had been. I was told they wouldnt do a payment plan and were going to take me to court
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : All Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following employer : XXXX XXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$34000.00} XXXX  {$36000.00} XXXX - {$36000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF History : XX/XX/XXXX ; -- -- -- -- -- -- -- XXXX -- Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$32000.00} INST {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Late Dates : LAST LATE DATE XX/XX/XXXX CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$51000.00} XXXX  {$51000.00} XXXX - {$51000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My XXXX XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to several accounts on my credit report. The accounts in question are listed on the letters.
Product: Money transfer, virtual currency, or money service

HI I sent a international wire transfer of {$10000.00} from wells fargo i paid {$30.00} as a contract service for wells fargo to send the money into euros. After a month of hearing nothing i recieved a credit of {$9200.00}!! I then recieved a letter saying " due to extraordinary circumstances although the wire transfer was sent correctly without error but had to be returned '' They said due to currency fluctuation and charges i received charges and costs of {$730.00}!!!!! I called straight away and demanded a full refund and explanation. 

The next letter i recieved said missing account information!!!!! So i emailed and called continually asking what specific account information is missing?? They declined to answer stating they dont know. I have wasted hours of my life debating and trying to hget my money back i paid for a service that wells fargo did not complete i want them to specifcally say what account information is missing. This would contradict there letter stating that all info was correct and wire sent succsesfully. This means wells fargo have not asked for all the information needed to make a succesful wire transfer as all online forms were complete and correct. I need to send multiple transfers to the same bank account what happens on the next wire transfer.I will not let this go Wells fargo should know what missing account details were missing its a online system that was correct you can not procedd if not correct and wells fargo admitted in writing it was correct so why change the story on the second letter. This incriminates them also as if wells fargo as the big financial institution they are did not request all the info then there service failed a paid service a contract i entered when buying there service of {$30.00} to transfer money. I am demmanding a exact explanation the description of the exact info missing as all was sent there is something really suspicious about this and i will not rest. Also food for thought if the currency exchange went in my favour are they saying they would of returned {$10000.00} if the fluxation went in my favour. Casing point if i transfer more money tommorow with all the correct details this transfer has been made many times before what will happen
Product: Checking or savings account

In my cash app banking account I had XXXX in my account got XXXX XXXX of gas at XXXX  and the bank charged me XXXXXXXX XXXX causing an overdraft fee of XXXX cents ( yes i know its a low amount but this is wrong i feel for the people who dont know how to protect themselves from issues like this ) they then corrected the issue adding my money back and taking the correct amount for the gas purchase but also kept the overdraft fee and did not refund it. My card was later that night used for XXXX XXXX XXXX 3 times and they blocked the charges then allowed the same person same location to use it for XXXX this bank has failed to protect me. I will be closing my account once my work check clears so i can open an official walk in bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to update my phone number on credit report
Product: Checking or savings account

On XX/XX/2022 there was a transaction done on my account that I did not authorize nor did I initiate. It was a personal wire transfer from myself to another persons account with the same bank. The morning that I found out this transaction took place I immediately reached out to chime to try to get them to stop or reverse the transaction. I opened a claim despite. On the third of XXXX, they immediately denied my claim. I replied to Chime and asked them for documentation of the documents use to draw their conclusion. I was told that the forms will be sent to me in the email had no attachment to it. On XXXX XX/XX/2022 I filled a police report against the person listed in the money transfer. The detective reached out to me and told me that he was on the case. I reached out to chime again and made them aware that I did follow police report. I gave them the number of the report and the number to the police detective working on the case. Chimed in again denied my request to put my funds back in my account. I reached out to chime again and asked for copies of the documentation to make a conclusion they sent me a statement saying that the location where the transaction actually take place. They included that my password was not compromise and to conclude that no mistake was made. I wrote a rebuttal stating that the hotel that was the location was at the hotel that my job frequently uses I also said that my password was not compromised because my password was my fingerprint that was compromised because it done while I was sleeping. They still denied my claim. I have run out of opportunities to file a rebuttal and every time I call them nothing happens. I am not a rich person I dont have a Lotta money and {$300.00} means a lot to me because it was around the holiday time. It is over a month later and I still have not been reimbursed the money that was taken from me.
Product: Debt collection

MRS has failed to remove disputed debt, it has been more than 30 days ago without verification of debt or communication from collection agency. XXXX XXXX XXXX another collection agency has removed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XXXX i submitted a dispute to Equifax in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the equifax data breach and it seems as though Equifax is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and thta date was well over the alloted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information