23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An unknown suspect obtained my name and Social Security number by unknown means. The suspect then used that information to rent an apartment with XXXX XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( Phone # XXXX ). That account was then sent to collections with an agency called Property Receivables Corp which is located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( Phone # XXXX ). The company that rented the apartment to the suspect was contacted and advised that the account is unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Mortgage

My wife and I were cold called by quicken loans/rocket mortgage to refi our existing loan in XX/XX/XXXX. We were explicitly told that they were applying lender credits and our loan amount would not increase and they could do a 0 out of pocket refinance. Quicken ran our credit, told us we were approved so we provided over 60 documents they requested. 
Over the next 4 months they kept telling us everything was good and we were ready to close. When it came to the final stage they told us we had to come out of pocket XXXX dollars and they tried to increase our loan amount by almost 6 thousand dollars. Their representatives lied to us on multiple occasions regarding pmts and why they didnt want us to put money down. Every time I thought we were getting ready to close they would change the numbers on us. Total bait and switch. We went to closing on XX/XX/XXXX ... ..7 months later. They lied about rate locks, they lied about closing cost and they lied about payments. I learned a valuable lesson and will in the future require anything told to me in writing. I may contact an attorney to have their phone records transcripts but I dont know if they keep em. I am severely disappointed in their business practices and feel that they should be held to the same ethical standards as anybody else who sells a loan to a consumer. Their Refinance department was shady and the worst part is they have no sense of responsibility to make right what their loan officers and loan specialists say to consumers. 
Im use to reading contracts so I was able to catch their deception however I feel sorry for the countless people who have been bent over unknowingly by Quicken Loans. 
I have been contacted by their team as we did close on the loan however we are still weighing our right of rescission while they attemp to make this right. As of now I think that something should be done on a foundational level when it comes to clear and concise explanations of whats actually going on with a consumers loan.
Product: Credit reporting or other personal consumer reports

Equifax reports their 3 party Vantage 3.0 reported my " credit report shows a lack of recent installment loan information. XXXX XXXX XXXX XXXX to receive credit report. 

Also, I have a very high Credit Score!
Product: Vehicle loan or lease

XXXXyundai financial or Hyundai capital has lied to me 3 times about sending me a copy of my title to my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. XXXX. 
You have filed 2 requests for title to be sent to me. They have now lied to you twice. 
XXXX. Hyundai stated had no record of said title. 
Then XXXX. Oops I guess we do have it and will send out immediately. That was 11 business days ago. 
If they are going to give me my title then buy it from me and take it away. Or give me my title so I can legally sell it.
Product: Debt collection

I contacted Cavalry on XXXX XXXX, 2016 that the debt was resolved with the orginal creditor, XXXX. XXXX also removed the debt off my credit report and send me a letter. I called Cavalry and recorded the conversation with the Supervisor XXXX. Which he started that they will not contact me anymore. But now I get a letter from a lawyer on behalf of Cavalry stating if I request verification a copy of a judgement will be sent.
Product: Checking or savings account

On XX/XX/2024 {$11000.00} was taken from my joint savings account with my husband at our wells fargo bank. It states legal recovery set off XXXX. This is what is the money went. I went to wells fargo branch and they told me the payment was for the credit card that my husband had for wells fargo credit card that he failed to pay. We ask them for the credit card statements but they told us it was already closed and advices my husband to call the debt collector which is the XXXX XXXX XXXXXXXX. I checked our bank statements and we have proof that my husband has been paying the credit card and in fact already done paying it thats why he closed the account. But we never got any notices that he still owed them. Now all we are asking is a credit card statement so we can prove that we are done paying it but wells fargo is refusing to work with us. We are an average working couple who struggle everyday to provide for our family and trying to save what little extra money we have for our XXXX childrens future and for them to just take that money and even refused to show us proof of the debt that they said my husband had with their wells fargo credit card. This has put so much emotional distress on us and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information company. Has is false also claim for damages against me
Product: Debt collection

-> General multiple noises and sound disruptions. 
-> Neighbors that were barely there and likely employed as XXXX XXXX XXXX XXXX XXXX 
-> A record of 2-3 maintenance requests that did not get fixed on my first request. 

-> An unrequested maintenance request " routine check '' that further damaged the plumbing in my bathroom, resulting in further sound disruptions. 
-> Severely illegally overcharged for attempting to fix these inflicted damages on my apartment for {$1500.00}, amidst noticeable confrontations from personnel wearing XXXX XXXX XXXX XXXX 
-> Ending my final rental renewal through the XXXX XXXX XXXX. 
-> Being notified for the first time of more illegally overcharged dues of maintenance requests after the first day of my expected active duty training period report date.
Product: Credit card

Upon receiving a Wells Fargo Visa card with an introductory benefit of 0 % APR and no fees for the first year, I also received checks for use with the card. Before depositing one of these checks, I called Wells Fargo to confirm that no fees would apply. I was explicitly told that no fees would be assessed as long as the transaction occurred before the promotional period ended in XX/XX/year>. Based on this assurance, I deposited one check into my Wells Fargo account. This call was recorded. 
To my surprise, I was later charged a {$600.00} fee, which I was informed was categorized as a balance transfer fee. When I contacted customer service, I was given conflicting information : one representative reiterated that no fees should apply during the promotional period, while another claimed that the fee was valid for balance transfers.

Wells Fargo has wrongfully attributed a {$600.00} debt to my account, which stems directly from intentional misrepresentation by one of their employees. I was provided incorrect and misleading information, which appears to be part of a larger pattern of deceptive business practices targeting vulnerable customers. These practices prey upon individuals with limited financial means, forcing them into untenable positions, often culminating in class-action lawsuits. 
The terms and conditions communicated on the card and check I received are deliberately ambiguous, written in such a way as to mislead and confuse customers. Wells Fargo has engaged in these fraudulent activities for years without meaningful accountability. 
In my specific case, despite promptly returning the disputed funds to the same Wells Fargo account within 24hours, the bank continues to charge me, effectively recycling the funds while profiting from those already facing financial hardship. These actions are not only unjust but also raise significant ethical and legal concerns regarding how Wells Fargo operates and derives profit at the expense of its customers. 
It is unconscionable for a financial institution of Wells Fargo 's stature to extract {$600.00} within days from a struggling individual, particularly when the funds were already returned. This situation reflects a broader systematic abuse of power that requires urgent regulatory intervention. 
I request immediate action to investigate and resolve this matter, including removing the erroneous charge and providing a detailed explanation for the handling of my case. 
Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX, and I have been a customer of Security Finance with the following account numbers : XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit report, I discovered that several of my installment loans with Security Finance have been inaccurately marked as late payments. 

I have diligently adhered to the repayment schedule outlined in my loan agreements, making all payments in full and on time. However, despite my consistent and timely payments, Security Finance has erroneously reported late payments on my credit report. This misinformation has had a detrimental impact on my credit score and financial well-being. 

I have taken the necessary steps to address this issue directly with Security Finance, I have reached out to all credit bureaus as well as contacting Security Financial. Unfortunately, my efforts to resolve the matter with Security Finance have been unsuccessful thus far. 

I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address this issue and uphold consumer rights. Please keep me informed of any developments or actions taken regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or 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 & block any accounts or information which is 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. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$710.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer Financial Protection Bureau, On Tuesday, XX/XX/2022 I sent a letter by United States Postal Service First Class Mail to Experian Credit Reporting Agency of California in regards to Experian deleting information off my Experian credit report that still appears on my credit report after seven years of opening a line of credit with the merchant. The account has closed, however the account still appear on my Experian Credit Report. Also, CFPB I sent Experian Credit Reporting Agency an email asking Experian to update my demographics in my Experian account. CFPB, as of Tuesday, XX/XX/2022 Experian Credit Reporting Agency havent responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX 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: Credit reporting or other personal consumer reports

I would like for you to make thorough investigation on these inaccurate accounts because they are heavily weighing on my mental health - because of how badly it affects my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX XXXX XXXX. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX XXXX. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report has requested from Experian. My Social Security #  was incorrect.
Product: Mortgage

I have been on a forebearance plan and called to extend that and was told it was extended. 

I have been getting foreclosure notices in the mail and have not been able to reach the servicer. The website is not working and I have tried calling with 154 callers ahead of me. 

I need to speak with someone about my loan and can not reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an alert message from XXXX  regarding a mortgage inquiry that I did not solicit. I called the Credit Bureaus and was advised to contact the company that placed the hard inquiry on my credit report and open a dispute. I called XXXX XXXX XXXX XXXX and was told that they outsource their platform for credit checks to third parties, and the name of the person that pull-up my credit without my consent is XXXX XXXX  from Intercontinental Capital Group located in XXXX, NY. 
I spoke with the Head of the Credit Dept. XXXX XXXX and after he investigated my case he determined that XXXX XXXX did pull-up my credit on behalf of my ex-employer XXXX XXXX from XXXX XXXX XXXX. 
I have a huge concern that there may be a scheme to defraud or willful misrepresentation of a future act.
Product: Mortgage

I applied for a XXXX  year mortgage with XXXX by Ally on XX/XX/XXXX. They replied within XXXX hours that I was pre-approved for what they call their XXXX XXXX ' Mortgage. Then they said I needed to pay for an appraisal and they wanted XXXX XXXX for it. I told them XXXX XXXX for a residential appraisal is very high. They said it will probably only cost {$500.00} but they wanted to be on the safe side.The appraisal came in higher than expected. My XXXX said the loan processor ( XXXX ) would start preparing my loan closing docs. She said that rates had decreased so I can get a rate of 6.5 % .A few days went by and then my XXXX ( XXXX XXXX said my loan request was denied because of my new job. She said her manager recommended i submit a new application with my XXXX XXXX information and that we only include our Social Security income. I submitted the new app on XX/XX/XXXX. They took a couple of days to reply that the new app was pre-approved. Today, XXXX called me to say the rates have gone up and now to get a rate with no points the rate will be 7 %. Now XXXX by Ally is asking for a bunch of new information.
Product: Checking or savings account

I am filing a complaint against Navy Gederal Credit Union regarding multiple instances of overdraft fees on my account despite sufficient funds being available. I was charged fees due to lagged postings of debits and credits to the account.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.
Product: Debt collection

CKS prime investments , llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.