23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019, after several conversations with Quicken Loans ( the holder of my current mortgage ) in which it was established that they did not a have a mortgage product with terms as good as my local credit union, my wife and I received yet another call from Quicken Loans from XXXX who presented herself as someone in the customer retention department who could review the rates and perhaps lower them to retain us as customers. We mentioned several times that we did not want her to run our credit unless she had a rate that was acceptable. After a lengthy conversation she indicated that ( subject to our credit score ) they would be able to offer a mortgage of {$720000.00} for 30 years at a fixed rate of 3.65 % with no points ( we had been offered the same mortgage at 3.5 % at our local credit union ). We decided that since it was such a small difference and we were already customers of Quicken Loans, we would allow her to run our credit and begin the process ( our credit scores were both above 800 ). She ran our credit within a half hour of that call and called us the next day to explain that because it as a " Jumbo '' mortgage, the best they could offer was 4.85 %. In other words, they never had a mortgage to offer us at the rate they indicated and they ran our credit under false pretenses ( everyone in the mortgage business should be aware that a mortgage above {$480000.00} is by definition a jumbo mortgage ). We requested that they remove the " inquiries '' from our respective credit bureaus, as they had not been honest. The next day we received a call from XXXX XXXX ( Sr resolution analyst ) and we explained the entire situation to her and she agreed to review the recordings and get back to us. She called on XX/XX/2019 and said that they would not be removing the inquiries from our credit bureau, as she heard us both authorize the inquiry on the recording. 
We authorized Quicken Loans to run our credit under the false pretense that they had the mortgage product we discussed at length to offer us ( subject to a credit score above 740 and obviously the property appraisal and the rest of the long list of requirements for a 30 year fixed rate mortgage ). This inquiry ( as all credit inquiries ) had the effect of lowering our credit score. In our particular case, there were no consequences as we have already been approved for the mortgage at our local credit union ( and they just lowered their rate to 3.375 % ). Had this been done to someone whose credit score was only marginal, it would cost them thousands of dollars in interest or perhaps prevented them from obtaining a mortgage from anyone other than Quicken Loans. 
I hope this practice is illegal, because it is most certainly unethical. My wife and I look forward to your reply.
Product: Credit reporting or other personal consumer reports

I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX FROM XXXX XXXX AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED XXXX XXXX XXXX AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide XXXX explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as a consumer. 
XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, someone hacked into my online account for XXXX credit cards and changed my address and ordered new cards, After sending the new address to Experian XXXX realized something was going on, they contacted me, we closed that account, and they issued new cards. Meanwhile, Experian sent out the fraudulent address to some of my creditors, and i was contacted by XXXX XXXX, who told me that they had received this fake info from Experian. I called Experian and requested my credit report, they sent it and i disputed the 'new ' address ( and a few other small things ). Instead of deleting the new address, they deleted my real address that i have had for over 40 years. Getting hold of them on the phone took hours each time and i'd get different info every time i called- they rarely could find evidence of previous call ( but sometime did! ) - they told me to dispute the new address and ask for the old one to be reinstated- i sent what they asked for several times- they sent new credit reports each time, having not done what i asked - and each time i called - the usual answer was : send it again, or saying : I don't know why it wasn't done - or that they could fix it if i resent the info, or that they couldn't do it until my creditors where notified. I received about notices or new credit report from them and finally, on XX/XX/XXXX they sent me one with the real address restored. Let me add : at least twice, i asked to talk to a supervisor, and was told none were available, that they would have one call me- and i NEVER got a call back.Either these people are incompetent, or trained to be stupid. At one point the guy could not find their copy of the report that had been sent to me -- he put me on hold several time to look or to find a supervisor -- the last time he did that, the call got dropped- i called back and that person found the report in about 10 seconds - and she was one of the people that promised me a call back, but none came. I wasted hours of my time, and theirs ( which likely only raised the costs of doing business, passed on to customers like me and others who then have to deal with their incompetence -- their should be fines for such things
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NOTICE FOR REGIONAL ACCEPTANCE : Upon discovery, on XX/XX/2022 REGIONAL ACCEPTANCE obtained my private information from XXXX XXXX XXXX XXXX without my written instruction or consent which in turn has ruined my reputation. Upon receipt of this notice and my written instruction, this inquiry needs to be deleted within XXXX from all Credit Reporting Agencies XXXX An Identity theft report has been filed, and you will find REGIONAL ACCEPTANCE as # XXXX on the report attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX to discuss about my account on XXXX where it shows a late payment of XXXX XXXX this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments I am requesting to remove this late payment from my report and reverse to paid as agreed, Experian, XXXX and XXXX along with any other CRA can not report any negative information
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Name of Card Company : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dollar amount of error : Current balance Description of problem : This account was opened XX/XX/XXXX for {$4900.00} on a 24 month deferred/no interest account. On XX/XX/XXXX I set up an automatic payment account for {$210.00} to be paid each month for 23 payments to pay off the account. The first payment was sent on XX/XX/XXXX and payments were sent each month after that on a continuous basis. I reviewed the payments each month on my bank account to be sure they were going out but did not review the CareCredit account as I felt that assuring that the payments were being made in a timely fashion was adequate. I became aware of an issue when I received an email advising of a late payment after the date when the account should have been paid off. After review and discussing this issue with several CareCredit representatives I was advised that my first payment arrived on XX/XX/XXXX but the first payment was not due until XX/XX/XXXX. The first payment was not credited to my first due date. Instead my SECOND payment which arrived around XX/XX/XXXX - XXXX was credited to the FIRST due date of XX/XX/XXXX making my payment 2 days late as opposed to 27 days early and a late fee was assessed on my account. This same method was followed each month which resulted in accumulating 23 late fees for payments that were made approximately 27 days early each month. I have challenged the late fees and therfore when the 24 months were up on the account, the company back charged me for interest from the beginning of the account. Had the payments been correctly accounted for, the entire amount would have been paid off in XX/XX/XXXX and no late fees or interest should have been charged. 

I contacted Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, no one would give me their complete name or employee ID number. Each time I called, the person answering the phone said they had no authority to resolve this issue. Each time I requested their supervisor. The supervisor repeated the statement that they had no authority to resolve my issue. When I asked to speak to someone who could resolve the issue they said there was no one who could do that and refused to transfer me. 

I then sent a certified letter to Synchrony on XX/XX/XXXX which was picked up XX/XX/XXXX. I have not received a response to date. 

I am attaching a copy of the letter I sent, the approval of the account, a document showing where I set the account up for payment, and a recent notice from Synchrony Bank with the current amount they claim is now owed on the account due to late fees and back calculated interest.
Product: Debt collection

I checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I used a Money transfer APP through Bank Of America, BOA called XXXX. I tried to send money, {$300.00} to myself to try placing it in another Bank, but the funds never reached me. I called BOA immediately to try finding out what happened. Turns out, I entered one of my phone number digits incorrectly. There was no verification through the APP to help catch this common mistake and I did not realize this had taken place. The application only gives a status of complete and BOA could not place a hold or anything on the funds only moments after I made the transfer attempt. I called BOA a number of times as directed and got different information on the status and was told a " claim '' would have to be submitted. After waiting 15 days for some notification from BOA, I called when I did not hear anything only to be told my claim was rejected and that there was no way to recover the money. The APP has a glaring flaw in that it doesn't allow multiple entry of the receivers account ID for verification of entry, there is no communication that occurs directly between the sender and receiver so that both can verify Identification and verification to release funds for full accountablity and finally, if a mistake is made, there should be rules both the receiver and sender must abide by so that money is not lost through errors..
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Me and my wife went to Chase Bank to deposit {$20000.00} however we were told there was only {$18000.00}. We then complained to the manager for which he was supposed to call back to fix the problem which he Never did. And on XX/XX/XXXX the same incident occured again, me and my wife went to the same Chase bank to Deposit {$5000.00} but we were told only {$4500.00} was counted. I was very frustrated and angry.
Product: Checking or savings account

Hi! 

A friend of mine borrowed {$100.00} from me last month. He asked me for my account number to make a deposit so I gave to him ... .this morning Tuesday, XX/XX/2019 he told me he made the deposit and he text me the receipt with my account balance. I would like to know why my bank Huntington Bank disclosed my information with him which he is not an authorized person. Im very mad, frustrated if I knew this I would never gave him or anyone my account # or my information. Where are my rights? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attached the email I've sent to BMO Harris/ DINERS CLUB INTERNATIONAL CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including BMO Harris. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that BMO Harris Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to BMO Harris ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

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

I was a victim of Identity Theft this summer. I thought it was over in XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
Product: Debt collection

XX/XX/2023 - Received a text from my Father-in-law that the following number : XXXX called in reference to a " personal matter '' around XXXX pertaining to myself, XXXX XXXX. When my father-in-law asked how Williams & Fudge got his number the caller explained that " [ I ] had put his number down as a reference/contact number '' to which I can confirm that I have never used him, or his number, in any reference capacity. 

Shortly after receiving this text from my Father-in-law, I called the number in question at XXXX XXXX to which a representative from Williams & Fudge answered the call by stating " Is this XXXX XXXX '' to which XXXX explained yes. The caller informed me after this that she was calling in reference to a debt with the XXXX XXXX XXXX  XXXX XXXX and asked how I would like to take care of the balance. I immediately asked for a verification of the debt to which she immediately started asking questions for me to confirm my employer, to confirm the name of my wife and questions about why my email was a different name than " XXXX ''. I verified all information aside from the question in regard to my employer to which she explained, " That is okay I will find out. '' I feel that the caller is using deceptive tactics to collect the debt by giving falsified information regarding the circumstances in which she got my Father-in-law 's number, and by continuing to ask questions not related to the debt after I asked for a letter of verification.
Product: Credit reporting or other personal consumer reports

This is now my THIRD time mailing you about some unverifiable items on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provided ANY form of verification, authorization, or proof of permissible purpose I have contacted TRANSUNION multiple times informing you of this, and you have failed to verify these inquiries. 

Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible permission. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately :
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

REPOTING XXXX XXXX ON MY CREDIT REPORTS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND ARE IDENITY THEFT AND FRAUD