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

This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, Experian and XXXX never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
Product: Mortgage

I started a refinance application with HSBC on XX/XX/XXXX and was approved a few days later with a rate locked in. Over the next several weeks, I went through the lender 's process and provided documents, worked with them to get an appraisal, and kicked off the refinance process with my home 's management company. 

I was informed that everything was complete on my end on XX/XX/XXXX when I delivered the signed, and executed recognition agreements to the law firm representing HSBC. My experience up to this point was disappointing due to poor communication and lack of updates from my mortgage lender, but it continued to get worse and worse after submitting the recognition agreements. 

From that point, I stopped getting updates from HSBC and only got one email each week with a document to extend my rate lock which is paid for in points. Since I turned in my recognition agreements on XX/XX/XXXX, I was required to sign 6 rate-lock extensions raising my APR by around 0.5 %. 

Today, my mortgage broker finally reached out to me with an update only to request me to pay another questionnaire fee ( {$300.00} ) that I had already paid on XX/XX/XXXX. My only guess is that due to the lender 's slow processing times and negligence, some documents expired and they are pushing the cost on to the borrower. 

Overall, I have been extremely disappointed in my experience working with HSBC. I would not recommend them to any friends or prospective borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : I checked my credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Checking or savings account

On XX/XX/2020 I ordered a 16x12 gazebo from Wayfair. I paid for the gazebo with my Visa debit card In the amount of {$3700.00} and {$550.00} on a Wayfair credit card which only had a {$600.00} limit. Roughly two days after placing the order, it was cancelled by Wayfair because the item was no longer in stock. I in return ordered the smaller gazebo 12x12. My Visa  debit card was credited {$980.00}. A few days later my Visa  debit card was changed again {$2900.00}. I was informed by a supervisor that instead of Wayfair refunding my Visa card for the original 16x12 gazebo I ordered, the refund/credit was given to the Wayfair credit card that only had a {$600.00} credit limit. She apologized and said I needed to contact Comenity Bank. I have spoken with Comenity Bank who also confirmed that Wayfair credited my Wayfair credit card {$550.00} six times. I was told by ( Supervisor ) XXXX XXXX and someone from Comenity Bank that I would receive a refund in 3-5 days. We were on a three way call that I had to give authorization that it was ok to do. I waited over a week and no refund. I spoke with several other Supervisors who assured me that after the finance team reviewed it that I would receive my refund. I also spoke with ( Supervisor ) XXXX XXXX on XX/XX/2020, who also said and sent me a detail email on how I would receive my refund. After no refund and multiple attempts I called again on XX/XX/XXXX and was told by another Supervisor that I needed to file a dispute with Comenity Bank because in her experience there was nothing that they ( Wayfair ) can do once the credit has been sent to Comenity Bank. She said that she would follow up with me once the finance team reviews it and as of today XX/XX/XXXX, I have not received a email or call. I have also filed a dispute with my bank which is XXXX XXXX. This was done on XX/XX/XXXX by phone. I also over a week later have not heard anything back from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and  make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

On Monday, XX/XX/XXXX, I called MOHELA regarding a letter and a bill I received. I did not take out a student loan, especially not through MOHELA. The representative did not give a clear answer to my question. My schooling was paid off completely in XXXX. I called my college the first time I received a letter, and my balance was {$0.00}, and completely paid off. I tried to ask a simple question, and the representative didnt give me a clear answer. MOHELA has been asking me for XXXX XXXX  for weeks, all of a sudden.
Product: Checking or savings account

Chime closed my account abruptly stating terms where violated but nothing was done according to the terms to warrant closure, with money still in account,
Product: Mortgage

My mortgage company ( Chase ) was over-collecting on my escrow account ( > {$5000.00} excess AFTER my annual tax payment in XXXX ). Even with this gross over-collection and with no indication that my taxes would change, they INCREASED escrow payments for the year. In early XXXX, I asked to have the escrow account closed so that I could responsibility for paying my property tax myself. They sent me an escrow closing notice dated XX/XX/2020 that I received XX/XX/2020. However, they did not enclose a check with my escrow account refund ( {$7800.00} currently in the escrow account ). When I phoned to inquire why they did not include the check, I was told that they typically hold onto the escrow money for an additional 30 days AFTER the escrow closing notice, and that they would be collecting another month 's escrow payment as well. I spoke to 2 supervisors, one of whom cited this link from your website in defense of their practice to hold onto escrow money after the account is closed : https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/20/ # e/5 There is nothing in this that defends that practice -- in fact, they have clearly violated your within 3-business-day notification limit -- so I am reporting Chase mortgages fraudulent practices of charging excessive escrow payments and holding onto escrow accounts for weeks to months after the closure request and confirmation. I am enclosing documentation of both of these herein. I can be reached via email at XXXX or by phone : XXXX for verification of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

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

I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX  XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a secured account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a cellphone account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) and an collection account opened at XXXX on XXXX XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries, late payments, charge offs, negative closed accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, XXXX, XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

They left a voicemail not addressing me or anyone in particular didnt mention anything other than to call them back, after googling the name Apex Asset Management I realized they were a debt collection service, I tried to contact them to avoid any negative outcomes on my credit history, I was put on hold then I could clearly hear people speaking in the background and then I was hung up on, most of the reviews seem to be from upset customers, im unaware of any debt I hadnt paid, I cant gain any further information when they refuse to speak over the phone
Product: Credit reporting

Transunion shows a paid tax lien on my credit report. I do not have ANY tax lens. I disputed the information with Transunion. Transunion said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Transunion but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Your company has inaccurately reported wrong information on my credit file and it has now come to a point where I have to send out a complaint just for you to straighten this out. I have sent letters the past two months and nothing has been done, all letters I sent out were ignored.
Product: Credit card or prepaid card

Capital One has reported ( me ) XXXX XXXX as deceased I can not receive my credit report score. I've updated my status at Social security office and XXXX  and Capital one refuses to update my status
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 the 3 credit bureaus 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 remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.