23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX on all three credit reports are reporting different last activity dates I disputed all reports and XXXX TransUnion and XXXX told me it was verified how can it be verified if the same account has different reports they did not verify reports TransUnion Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX XXXX  Last activity date XX/XX/2019 2019
Product: Mortgage

On XXXX/XXXX/15, my wife & initiated a refinance loan application with Quicken loans. Quicken collected {$400.00} good faith fee and shortly thereafter an appraisal was completed on our home. The appraisal determined that some repairs were necessary to satisfy FHA loan requirements. We obtained bids for the repairs and, then, submitted them to Quicken Loans with the request that the cost of these repairs, {$6200.00} be paid from the loan proceeds. In addition, we indicated that we would not move ahead with the necessary repairs, because of the cost, unless Quicken loans confirmed this would satisfy the requirements to close the loan. We received assurance that this would resolve the issue so the loan would be closed, the contractor paid after closing. We had indicated that we would not and could not move ahead and authorize these repairs unless we had assurance from Quicken Loans that this would result in a closing of the loan with the necessary payment to the contractor. We do not have sufficient available funds ourselves to pay for these repairs and we, therefore, requested assurance that this would allow the loan to be promptly closed and the contractor paid. We received several such assurances from representatives at Quicken and, therefore, authorized the repairs. Now, it is over 3 months later, the repairs have been completed and reviewed by the appraiser and Quicken refuses to honor their commitment to us. The contractor wants to know when he will receive payment for his work and we are in the embarassing positon of not have a good answer for him. Quicken has left this in limbo for several months and, seemingly, will not honor their commitment to us. I have assurances from them in the form of emails as well as a confirming email to the contractor on this matter that I copied Quicken loans on over 2 months ago when the repairs were initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.
Product: Credit card or prepaid card

Barclay approved my application then send me my card. I used it place an order. Then during the order ship time, barclay put an restriction on the account and canceled my order without notification. I called more than 10 times and faxed them all the documents they asked for three times. Different representative give me different information. Someone said none of the documents has been received. Someone said the restrictions will be removed. Someone said partial documents received. None of them could give a single answer and most of are rude and not even know what they are talking about. I have the record to prove that. The application is approved on XX/XX/XXXX. Up to today XXXX, they still saying restrictions is on the way to remove and ask me to wait for 24 hours after 24 hours after 28 hours. I decided not to wait for the endless waiting time and rudeness service ever and ask them to close my account. They refuse to do so and ask me to call back again and again. Not able to close my account with barclay and would like it to be closed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Father diedXX/XX/XXXX XXXX XXXX, has a Wellsfargo Checking and Savings account, I XXXX XXXX  am the daughter and trustee, ( see proof ) went into Wellsfargo bank in XXXX   Ga said cant give money!!!!!! I am the trustee see proof! And Mr XXXX was a veteran!
Product: Checking or savings account

I want to report Wells Fargo today as I've had some issues with XXXX $ fees hitting my account due to them allowing funds to be charged even though the account doesn't have funds to cover the charge .. I've spoken to XXXX  In the executive branch that North Carolina, which without being asked attempted to give me some needless advice that I never requested or asked for and tells me that I am wrong very rude interaction with whats supposed to be the department which helps you with this type of issues, my transfer were being denied, therefore I've tried 2 days in a role to fix the issues. Also attempted to fix issue again and spoke with XXXX in the center over in the XXXX which she rudely handled the matter as well, and also we did not carry a productive or positive conversation did not follow through with what I was talking about and would talk about something else other than what I was saying. 
VERY SCAMMER LIKE ACTIVITY GOING ON WITH THIS BANK. I STRONGLY SUGGEST THAT THEY TURN THIS OFF, AS IT BEING PORTRAYED LIKE HELPING SERVICE WHEN IS NOT, IF YOU DONT CURRENTLY HAVE FUNDS IN ACCOUNT NOTHING SHOULD BE ALLOWED TO PROCESS, SPECIALLY IF THEY ARE GOING TO CHARGE YOU {$35.00} FOR THAT.
Product: Debt collection

They called from a XXXX Oregon phone number and stated they were trying to mediate a loan I received in XXXX then changed it XXXX from check into cash. They stated they were going to garnish my pay check. I never got a payday loan from anyone. They called themselves XXXX services. Phone number XXXX XXXX XXXX. They had my ssn, my previous address and a really old email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX 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.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX  , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Credit reporting

On XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent attempt to apply for a credit card using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, Transunion, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concerns about XXXX 's handling of disputes, exacerbated by the recent CFPB lawsuit. Personally, I have experienced frustrations with XXXX 's dispute resolution process. Despite multiple reports of discrepancies, my financial institution and XXXX failed to conduct thorough investigations, citing the impossibility of recovering lost funds and tracking transactions. 

The CFPB 's findings are disturbing, revealing XXXX 's failure to protect consumers and its tolerance of repeat offenders exploiting the system. This lack of accountability and transparency is alarming, putting consumer safety at risk. 

I urge you to address these concerns and ensure XXXX prioritizes consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XX/XX/XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.
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 - account number- XXXX XXXX  XXXX - Account Number- XXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX  XXXX XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX, XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX- Account XXXX XXXX XXXX Account Number 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: Checking or savings account

My employer XXXX XXXX XXXX XXXX ) direct deposited my payroll into my personal Chase account ( XXXX ) on XX/XX/year>. On that same day XX/XX/year>, XXXX XXXX received 2 Deposits from customers. Chase said they could not validate these checks and would close the business account ( Chase Business account for XXXX XXXX XXXX ) On XX/XX/year> Chase froze all my personal accounts without notifying me any anyway. I called Customer Service every day to get updates on the freeze and see when my funds would be released, every day the XXXX would tell me the same thing, that they could not provide me with any information on the investigation. The only thing Chase did say was that upon completion of the investigation, which could take up to 10 days, they will notify me of their findings by mail. On XX/XX/year> Chase told me they will close all of my accounts and not allow me to bank with them any longer. All due to an issue from my XXXX Bank account. This issue had nothing to do with me or my accounts with Chase. They closed my kids account, mine and my ex-husbands joint accounts. This is a huge inconvenience to me personally. This tied up all my funds and Chase will not release them to me. These funds are mine and should not be held from me for an undeterminable amount of time. I find this to be criminal. They have caused me to incur late fees and past due payments on my credit.
Product: Vehicle loan or lease

The lady from their attorney office that I spoke to said that when they received my account my balance was only {$8700.00} somewhere around there. Now its above the original amount of the loan of {$12000.00} ( estimate ) because they are trying to slap me with an 13 % interest rate. She agreed that the interest rate is high. That amount that she said of {$8000.00} thats how much it was when we went to court, and since then they received payments from an old job I used to have, and this past year for taxes XXXX  they received {$1400.00}. The settlement amount before was {$1800.00} now its {$2500.00} ( estimate ). If I wasnt listening to these people I was working with for the past two years trying to get a home, advising me to pay off other accounts in return of me and my family getting a home I could had been settled this account. But I got screwed over and now here we are, with this ridiculous interest rate thats basically going to eat up every payment made, and not even touching my balance.
Product: Mortgage

I recently called XXXX XXXX ( on XX/XX/2018 ) with a problem regarding my payments. I prefer to manually pay my monthly mortgage payment, which equates to {$2700.00}. Twice now I have had the issue where I manually pay before the due date, but then a second installment is taken out of my account through their recurring payment program. I did initially sign up for this program, but then thought I had cancelled it. The first time redundant payments were taken out for one month and my checking account went below {$0.00}, I thought the representative from Freedom on the phone had unrolled me from the recurring program after I called in to rectify the situation, so I assumed I could make the payments myself. Yet, it happened again. I called Freedom again and spoke to a particularly unhelpful representative named XXXX ( # XXXX ). She was rather impolite from the start of the call and asked me why I would make a payment when I enrolled in the recurring payment program, even after explaining the situation to her. After I told her I did not want to be charged an insufficient funds fee from XXXX, she proceeded to tell me it was my fault anyway. Frankly, I was taken aback by her unwillingness to help and unfriendly tone. Additionally, XXXX said she would email me a confirmation of her ending my recurring payment enrollment after I asked, but I have yet to receive the email. Also, she did not actually unroll me as I had to go on the website and unroll myself, meaning, XXXX had lied to me. I asked XXXX to speak to her manager, but she did not comply with my request and I was not able to speak to a manager. After my call with XXXX, I called XXXX to put a stop payment on the second mortgage charge. Luckily, XXXX was gracious enough to waive the {$30.00} stop payment fee, which they did the last time this happened. 

We have been particularly unhappy with this mortgage company, which was handed to us ( i.e., we did not have a choice in the matter ). We originally had XXXX XXXX which was great, then were automatically transferred without our consent. Overall, our experience with Freedom has been disappointing and frustrating. 

I tried filing this same complaint on Freedoms website, however, received a message stating, Were sorry, an unexpected error occurred. Please try again later. I attempted to submit the complaint twice, and had the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through chase, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone sex line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  city thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to.  Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of XXXX laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and  everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
Product: Credit card

Someone by the name of XXXX XXXX was making purchases using my credit card in XXXX XXXX