23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made a payment of {$6100.00} to Edfinancial on XX/XX/2019. Confirmation # XXXX towards a specific loan-loan C. The company split up the payment and registered them to two other loans provided providing false dates for the payments. Even after incorrectly documenting the loan payment the payments were never deducted from either the principal or outstanding balance. 
An original payment of {$1000.00} on loan A was never applied and deducted from the outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my right as a consumer.
Product: Credit card or prepaid card

I received in US Mail a USBank Reliacard Debit card. I did not know what it was ; I did not sign up for it. I called US Bank Customer Service in XXXX, FL ; agent said it is for unemployment benefits. I am XXXX ; I am not employed. Agent cancelled the card and said she would notify her manager. She advised me that someone has opened a claim for unemployment using my name and SSN. She said to file a complaint with CFB, file complaint with FTC, call the Ohio Attorney General 's Office to report, and notify Ohio Unemployment Services. I have now done all of these. I am in the process of checking my credit with all 3 credit- reporting companies. 
Thank you.
Product: Mortgage

On XX/XX/XXXX our mortgage broker at XXXX XXXX negotiated a 30-day rate lock with Freedom Mortgage at 4.375 % with the cost of 1.092 % ( points ) to obtain the rate. We have written verification between us and the broker. The broker has phone records between XXXX and Freedom Mortgage as they verbally went through the process with Freedom Mortgage. 

On XX/XX/XXXX we received an email from Freedom Mortgage with secured documents to sign and verify. When we observed the paperwork our cost to close increased by over {$16000.00}. Freedom Mortgage listed in their disclosure that a cost of 3.776 % ( points ) would be needed to obtain the 4.375 % rate. 

On XX/XX/XXXX when our broker contacted Freedom Mortgage they claimed it was a " computer error '' that displayed the 1.092 % rate. There was no contact with the broker on this " error '' between XX/XX/XXXX and XX/XX/XXXX. There was no documentation sent to the broker after a verbal walk-through of the numbers upon locking the rate. We were sent documentation by Freedom Mortgage to sign, lock, and prepare to close without the primary negotiator, our broker, being notified. 

We find this highly problematic that Freedom Mortgage ( 1 ) did not notify the broker responsible for the transaction of this " error '' ( 2 ) did not disclose any error to us ( the loan recipient ) and ( 3 ) blame it on a computer error though Freedom Mortgage verbally confirmed the entire process with our broker AND avoided any contact with the broker afterwords. This contact is considered, by me, to be phone or email. 

Freedom Mortgage was contacted on XX/XX/XXXX and will not return to the agreed upon terms of the week prior. We are now paying 1.3 % ( points ) to move our rate down to 4.6xx %. This is and increase in closing costs, an increase in monthly payments, AND an increase in overall payments to Freedom Mortgage. We have a contractual closing date to meet and this tactic is basically forcing us into worse terms and greater benefit for them. 

Overall, I am concerned with the " bait and switch '' tactic employed by Freedom Mortgage when they provided terms, verified terms, changed terms, and did not disclose the change until a document had to be verified a week later. Personally, I do not believe it is a " bait and switch '' but rather Freedom Mortgage reneging on an agreed upon rate. If I were to do that with my mortgage they would seize my property. 

I am also concerned with how many others may have been affected by this " computer error '' ( if there even was one ). On any given day I could only assume hundreds, if not thousands, of people come to terms with Freedom Mortgage. If they employed the same tactic with others, were the customers aware of the change when they signed the papers? Did they feel pressured to sign because a mortgage, even at a higher rate, is better than no mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my attorney general XXXX XXXX accounts with Experian and XXXX several times asking them to correct the information that they are reporting as it is incorrect or not my accounts. I have detailed proof that I have provided to them on several occasions and they removed the accounts at one point but reinserted a few months later as verified. I have contacted the Attorney General XXXX XXXX division to ask if they were contacted in these regards and their reply was no. I have contact information from the AG office representative who sent my account over to the judge to have my accounts updated. However, Experian and XXXX   continues to report false information. The payment amounts are incorrect, the late payments are false, and one of the accounts have been closed that they continue to report as open with late payments. I am a XXXX veteran and my payments come out automatically which I have proof of. I had arrears on my XXXX XXXX from day 1 that the AG office and I agreed to increase my support amount which I agreed with. These are not late payments which the CRA states 120 and 180 days late on different dates. For the times they report my account as late payments I have statements from the AG office  receiving my payments on time.My account should report current and pays as agreed or these 3 accounts should be removed from my account as my rights have been violated on several occasions with these accounts. I am in the process of purchasing a home and have been denied several time on the account of these false and incorrect reporting agencies. I have till the end of XXXX before I loose my earnest money on this home and I strongly urge you to help me in this matter. 1 account reports with past due 180 days with a late payment XX/XX/XXXX late 120 days how can this be. This same account is actually close and paid in full by county judge. There are no 30,60,90 days late on this account. Payment amount is also wrong. All violations. The other account reports my payment amount of {$22.00} which is incorrect and a violation reports 120 days past due. No 30,60, or any other late payments. The other AG account reports 180 days late in XXXX in XXXX. This is false and none of these accounts can be actually verified by the CRA. I have the proof of payments for every misreported account. They have not verified any of this information with the exception of using my address to verify which is not accurate. The have also removed other accounts back in XX/XX/XXXX as deleted and placed all of the accounts back on my report with no reinsertion notice or verification. They remove for a few months and reapply with no notification or justification. I have no loans or agreed accounts with the attorney general XXXX XXXX division these are all forced accounts on my credit file that I do not agree with. I also disputed several other accounts with XXXX  and they reported back to me verified or accounts not on actual reports which is false and they are and I have proof. XXXX XXXX and XXXX accounts have now been reinserted onto my XXXX  credit file.
Product: Credit reporting or other personal consumer reports

I recently went to apply for an auto loan and checked my credit report and found that I have been a victim of Identity Theft. I was incarcerated for a long time a while ago and I believe at that time someone got hold to my personal information and has since being using my name to make inquiries and open accounts in my name. I checked my report yesterday and there are currently XXXX fraudulent accounts showing on my credit report and over XXXX inquiries that were made across the XXXX credit bureaus. I will proceed to list the name of the Creditor ; the Account number XXXX XXXX XXXX How much the account is for ; the date the account was opened. I will then list the Inquiries the name of the company and the dates they were made. There is an account with XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00} opened XXXX ; Applied XXXX XXXX XXXXXXXX {$600.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$390.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} opened XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$480.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$300.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$570.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX {$650.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$660.00} opened XXXX. There are also numerous Inquiries Ally Financial on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I found the XXXX Key Bank statement that should be added to the other bank statements as part of CFPB complaint XXXX addition, I want to provide you correspondence I have had with Key Banks HR department regarding eleven job positions for which they have advertised for which, to varying degrees, I am qualified.In addition, I sent this correspondence to XXXX XXXX XXXX attorney for plaintiff ( as that term is used in New York State Law ), meaning that he must sign a CPLR XXXX oath under penalty of perjury that any representations he makes are truthful in fact and in law, under a best information and belief standard of law.As I wrote in that letter, this correspondence is relevant to the foreclosure case. Under New York State Law, foreclosures require a law and equity standard, meaning that the plaintiff must show that it is entitled to foreclose under.law and then prove to the factfinder that it should be entitled to foreclose as a matte of equity.Obviously, we should allow Mr. XXXX and Key Bank to respond. I also recognize that neither Key Bank is obligated to offer me employment or a business contract and nor am I obligated to accept such offer. However, we should be discussing case resolution, and MrXXXX XXXX has refused to do so, both at the Civil Appeals Settlement Program at the New York State Appellate Division of the Supreme Court, 3rd Department and subsequently.
Product: Mortgage

I recently sold my home on XX/XX/XXXX, I was issued my equity balance at the time of closing minus the escrow amount balance of my account which I was assured it would be refunded to me within 30 days. I have not to date received my check. The mortgage company was called 5 times prior to closing to notify them of the sale and a new address was supplied to them. However, despite the multiple attempts to notify them of the new address they supposedly sent my check to the address of the house I sold on XX/XX/XXXX ... I did file a forwarding notice with the post office but did not receive any of my mail after it was filed I have since called multiple times requesting that it be deposited directly to my checking account only to be told that was not possible, so I requested that they send it directly to a different address and they supposedly did, never received it there ... all I get when I call are promises of reissues and overnight checks with tracking but the bank has failed to keep its word on doing anything it has said it would ... almost three months later, I still dont have my Escrow money.
Product: Credit card

Account was opened fraudulently for a Navyist Rewards Card through Barclays and charged over {$1000.00}. I was a victim of fraud and did not open the account. The fraud investigations department is still holding me accountable for these charges with accruing interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions disputed the validity of the Bankruptcy on my TransUnion report. I submitted dispute in XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See Attached. Therefore, they have violated my rights as a consumer based on 15 USC 1681c that states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also Section 623 ( a ) ( 1 ) ( A ) of the FCRA provides that a person shall not furnish information relating to any consumer to consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Also in section 623 ( a ) ( 2 ) of the FCRA provided that a person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnsihed to a consumer reporting agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate.
Product: Credit reporting

TransUnion kept on reporting a debt that has been paid already. These debts are as follows : XXXX XXXX XXXX for {$150.00} and XXXX for {$290.00}. All these debts have been paid yet TransUnion kept on reporting it as an " open '' collection.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies in their reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

Received an email from this person/company on Sunday XX/XX/2024 @ XXXX XXXX PST. 

The subject line of the email had my name followed by : ALERT! Special offers just landed This subject line was deceptive and appears as though I was receiving an offer for something for sale. 

Reviewing the email, showed clearly that it was an attempt to collect on a debt by someone who has my name but I have never had any debts for this amount or with the creditors listed. If I did, they are long past any statutes of limitation on being collected on and do not appear on my credit reports. 

My suspicion is that this company, if it is a legitimate debt collector was merely fishing for the person they are looking for who has the same name as mine. 

Emails such as this which contain personal information should be illegal to send out without first confirming that they are sending to the correct person to avoid disclosing sensitive personal credit information to an incorrect and unknown party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections
Product: Student loan

Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit  trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit card or prepaid card

I have a zero balance on my credit card with Bank of America. They took out an automatic payment of XXXX dollars from my XXXX XXXX  account on XX/XX/2020. I have called them multiple times to see if they would refund it. They tell me I need to give them my bank account info over the phone for them to refund my money. I find that suspicious since they have my account number to take out XXXX dollars from my bank. I asked them why they would do an auto payment for XXXX dollars if the balance is zero and I do not owe them anything. They told me oh that is what we always do unless a person cancels the auto payment. I find it interesting that Bank of America takes money from people even when they owe them nothing. A short if statement in their computer program would make this never happen. It is simple if balance is less than or equal to zero and does not rip off money from the consumer. I even asked if I closed the account if they would still need my personal bank info and they said yes so they could refund me the money. So if I closed my account they would keep XXXX dollars of my money I did not owe to them.
Product: Checking or savings account

I bought two pieces of land from the Government auction on XX/XX/XXXX for a total of {$6300.00}. I called XXXX county and XXXX county both counties where the land is located and the county tax and assessor departments could not give me accurate information where the land was located besides a plat map. That is a red flag inside of itself of the fact that the county doesnt even have the correct information. As it states on the website " As it relates to any Land property you have a period of 7 days ''. I have emails pertaining to requesting a refund within the 7 days and now the auction site isnt picking the phone up or returning emails. This is a fraudulent transaction. The XXXX  parcel search is showing the ID that they gave me XXXX acres of land but i only bought XXXX acres. The picture is in the attachments