23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I spoke by phone with two representatives from a company identifying as Rapid Home Lending regarding a VA XXXX refinance loan. During the call, I was verbally offered a 1 % interest rate reduction and a new monthly payment of approximately {$4300.00}. However, I was told this would require over {$17000.00} in " no-cost '' fees to be rolled into the new loan balance. 

At no point during or prior to the call was I provided a Loan Estimate, itemized fee breakdown, or any written documentation outlining the cost structure. Near the end of the call, after reviewing verbal terms, the representative attempted to obtain my Social Security number to pull credit despite not having provided any formal disclosures or documentation beforehand. This was framed as just one more step, which I found to be a high-pressure and inappropriate tactic. 

I declined to move forward with the refinance and followed up via email expressing my concern. The company did not acknowledge the lack of transparency or documentation but continued to justify their approach. I asked not to be contacted again and they emailed once again. 

I am filing this complaint because I believe their practices were misleading and potentially predatory, especially given that this was a VA-backed loan refinance offer. The process lacked upfront transparency, and the attempt to obtain sensitive information without proper disclosures undermined my trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has yet to remove all unauthorized inquiries from my credit report even after submitting and Theft Report. I am demanding that TransUnion DELETE the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BANK OF AMERICA XXXX, BANK OF AMERICA XXXX  and BANK OF AMERICA XXXX
Product: Debt collection

XXXX car insurance company is trying to collect a payment for a service never provided, never had XXXX car insurance, my car insurance for the last 4 years has been progressive car insurance.
Product: Money transfer, virtual currency, or money service

My renter at XXXX XXXX XXXX, in XXXX, Illinois XXXX requested to send his rent through CashApp. I agreed and told him my CashApp login name, XXXX XXXX, with which he deposited {$700.00} in my Cash App account. I opened my CashApp app and tried to login and transfer to my bank account. When I failed to get in they sent me to biometric id of which I complied. The biometric feature failed. It could not identify me. So now, a month in and still no money. I see this as theft and if it can not be resolved I intend to go to the Texas Attorney General, the FCC, FTA, and others.
Product: Debt collection

Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you
Product: Credit reporting or other personal consumer reports

I've made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I want to emphasize that I never authorized or agreed to have this information linked to my identity, as I've been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

In 2019 I purchased a vehicle from a dealer that I receive financing through West Lake Financial. At some point I called West Lake Financial and they told me that my balance had been paid off and that my title was ready and they needed was an address to send it to and I was like ok, then they hung up on me. Then I call back and they tell me the dealership paid off balance and I start asking them about the title and they hang up on me. So then I guess they put some kind of note in their system because after that whenever I would call them and start asking questions they would hang up on me. So I tried talking with them over e-mail. They say I don't have an account with them, yet the registration of my vehicle has them as a lien holder. They are basically just lying saying whatever violating a bunch of laws. I don't know why the dealership paid off my loan, it's very strange. It's seems to me like someone was trying to do something crooked. I didn't ask them to pay the balance and its not my fault but I need access to the account information I'm rightfully suppose to have, like proof this lien/loan has been paid and the release of lien.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Credit inquiries that I did not authorize:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Product: Credit card

hi cfpb, i got a new device and Im trying to login to chase.com but it wont let me. 

please see the screenshots below. 

when you click on have a question, and look under how do i get a one-time code? 

it SAYS it gives you the option to email you a code, but THERE IS NO OPTION in the tell us how cfpb, there is no way you are hearing this for the first time. meaning that you let chase do whatever they want to do. 

cfpb, i know you think consumers are stupid. you are a partner with chase. you let chase do whatever they want. this is affecting more consumers besides me. 

you dont think chase knows their login works? really? 

chase is a predatory financial corporation. they dont even allow their OWN customers login! 

cfbp needs to stop this predatory financial corporation from taking advantage of consumers. but cfpb is partners with predatory financial corporations so this wont happen ; ) I am requesting {$1000.00} for this predatory behavior and they must meet allow the email option for the code within 3business days.
Product: Debt collection

Dear CFPB, I am filing a formal complaint against XXXX and Midland Credit Management regarding the inaccurate reporting of a collection account that has negatively impacted my credit report. This account is listed under Midland Credit Management, with an outstanding balance of {$450.00}, as reflected in the attached credit report documentation. 

Background of the Dispute : During the COVID-19 pandemic, I returned a phone to XXXX as part of their return process. I spoke to a XXXX representative who confirmed that they had received the phone. However, I was later informed that the phone was received one day late, and as a result, I was charged for the device. 

Upon learning about the charge : 1. I contacted XXXX immediately, requesting either the removal of the charge or the return of my phone since they were billing me for it. 
2. Despite acknowledging the notes from the original representative confirming the return, XXXX refused to reverse the charge or return my phone. 
3. I escalated this issue through multiple customer service channels within XXXX, but no resolution was provided. 
4. Ultimately, the account was sent to Midland Credit Management and has now been reported as a collection on my credit report, despite this being a disputed, unresolved issue. 

Violations Identified : I believe this situation violates the following provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Section 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or incomplete information to credit reporting agencies. 
FCRA Section 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation after a dispute was initiated.

FDCPA Section 807 ( 8 ) : Reporting information to credit bureaus that is known to be disputed without proper investigation.

Resolution Requested : I am requesting that the CFPB investigate this matter and : 1. Require XXXX and Midland Credit Management to provide proper validation of the debt, including documentation proving the validity of the charge. 
2. Ensure the immediate removal of this collection account from my credit report if they can not substantiate the debt.

3. Hold both XXXX and Midland Credit Management accountable for failing to resolve the dispute through proper channels. 

Attached are supporting documents, including a screenshot of the disputed account from my credit report. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights are protected under federal law. 

Sincerely,
Product: Credit reporting or other personal consumer reports

It has come to my attention several companies made hard inquiries to XXXX and Equifax without my permission or authorization and I would like the hard inquiries removed. XXXX and Equifax have infringed upon my rights as outlined in federal law. Under the provisions of 15 U.S.C. 1681a ( d ) ( 2 ) ( iii ), XXXX and Equifax has disclosed my information without my consent, directly violating my privacy rights. This action contravenes the Privacy Act of 1974, specifically 16 CFR Part 313, which mandates the protection of consumer data and requires opt-out notices. By failing to provide me with the opportunity to manage my data and protect my privacy, XXXX and Equifax has disregarded federal regulations. I contacted each bureau and they said I need to file a report and get a FTC number to remove. There were several hard inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.
Product: Credit reporting or other personal consumer reports

Several security breaches with Equifax, XXXX XXXX XXXX and bank accounts opened without my knowledge. Someone has applied for housing, bank accounts and credit cards without my knowledge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I write this with significant frustration and plea for assistance. I have been a victim of fraud with a total of {$6700.00} of fraudulent transactions occurring on my Capital One debit card/account for which I filed two different claims on XX/XX/24 and XX/XX/24. Unfortunately, Capital One has inappropriately rejected my claims ( despite a rebuttal ) and have been unprofessional and unhelpful in helping regarding this matter. 

My cell phone was compromised and fraudulent transactions were made through multiple merchants including XXXX XXXXXXXX, and XXXX XXXX. I initially filed a claim on XX/XX/24 ( claim XXXX XXXX ) totaling {$3100.00} and an additional claim on XX/XX/24 ( claim XXXX XXXXXXXX ) totalling {$3500.00}. These claims were rejected on XX/XX/24 due to an incorrect assumption that I authorized these claims. Please note that I did NOT authorize these transactions to occur. Capital One asked I provide proof of conversation with merchants and " further documentation '' ( not clarifying what " further documentation '' means '' ). 

Regardless, I filed a rebuttal on the dispute decision on XX/XX/24 with further documentation and actions on my end. I reached out to the merchants through which false transactions occurred which they acknowledged and advised Capital One should assist in reimbursing fraudulent transactions. I am attaching proof of conversation with the associated merchants. Furthermore, please note that I also filed a police report for unauthorized use of information and processing unauthorized transactions. The local police department has acknowledged the report and investigation is underway. I have also attached the police report below. Despite providing this documentation, they rejected my rebuttal on XX/XX/24 without any explanation. I called Capital One customer service the same day to obtain further clarification and asked to speak to a supervisor. The supervisor, named XXXX was rude and unhelpful. I was being told the claim was rejected due to no one having access to my debit card with no further explanation. When I asked what the next steps are, he said " there are no next steps as this case is being closed and final decision has been made '' ( although a previous supervisor had mentioned a rebuttal can be done more than one time ). When I inquired the supervisor to tell me his full name, he mentioned he is not authorized to do so. 

I am now reaching out to CFPB in regards to the mismanagement and false assumptions by Capital One for fraudulent transactions on my debit card and to obtain credit that I am owed. I have been a member of Capital One for almost 3 years and my transaction/spending history will prove that these fraudulent transactions do not align with my transaction history. I am providing sufficient proof ( including a police report ) to verify that these transactions were fraudulent. Please assist in helping me obtain credit for these fraudulent transactions from Capital One. I hope this matter is considered urgently as this is a significant sum of money. I appreciate the assistance and look forward to hearing back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested Equifax to remove inquiries from my credit report. On XX/XX/2023, they responded by saying the information is verified. I then sent another letter requesting for the information to be removed from my credit report. In response on XX/XX/2023 they once again stated that the information is verified. 

I did no authorize anyone employed by these companies to make any inquiry and view my credit report. 

Therefore, Equifax is in violation of violation of the Fair Credit Reporting Act.
Product: Debt collection

I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to disputespecific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX