23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company representative strung us along 36 days promising he would get our mortgage at the terms we were pre-approved for. We provided documentation supporting our stated income. They denied two of our sources of income, cut the mortgage by {>= $1,000,000} dollars and said we had to have {$200000.00} down or go somewhere else that would accept our income as stated. They de-activated our application before the end of the active period. We went to another lender and got approved in 10 days. They would not co-operate on transferring the appraisal. We had to pay for a second appraisal. Attempts to contact Client relations by phone and e-mail were ignored. Upon finally reaching them, they promised to resolve appraisal issue in 2 days or refund the fee they charged us. Havent heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to dispute this from all three credit bureaus its hard for me to buy a house and I am a XXXX veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times about old accounts. Example. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( some up to XXXX years old ) that keep reappearing on my credit report, and I have attempted multiple times to dispute the information as inaccurate because it keeps reporting closed accounts as in collections ( I have paid them off and they are satisfied ) and are reflecting delinquent on my credit report. Experian has verified the information they are reporting as accurate which it is NOT. This is unacceptable. Not only is this illegal but also hindering my credit score from progressing. This needs to be resolved before I begin a lawsuit. Old accounts that are satisfied CAN NOT continue being reported as delinquent. Thank you for your time -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, XXXX XXXX and Experian has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Product: Payday loan, title loan, or personal loan

15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy. 15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I HAVE NOT GIVEN ANYONE AUTHORIZATION TO REPORT THIS ACCOUNT TO ANY CREDIT BUREAU.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection PAYMENT EXTENSIONS WERE OFFERED PRIOR TO THE STATED DUE DATES therefore your company can not base any payment dates as late from their original due date when you agreed to extend or defer those due dates. This is why your reporting is not only erroneous but also fraudulent. You can not manipulate your own agreement in order to negatively and maliciously report false data. The minute an arrangement was made prevented any account to be reported as late.

I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has REPEATEDLY refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios. I am attaching an invoice for compensation for the violations.
Product: Vehicle loan or lease

I was told to pay an amount to recover the vehicle.When I paid they applied all the money to interest and late fees.Nothing was applied to the principal or recovery fees.The agents lied about the payment purpose.Most of the people I talked to.lied about getting the vehicle released.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts XXXX account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA FEDERAL SAVINGS BANK reporting credit inquiry never applied for.
Product: Mortgage

I originally had my loan with XXXX XXXX and never had any issues. My Loan was then transferred to XXXXXXXX XXXX  and this is where the problems started. They raised the amount of my loan and never told me. However, I was still making my payments, as I regularly would have, but they were not applying them. Then I applied for a Modification, once I found out that they had raised my payments, I had this approved and then they sold my loan to RightPath Servicing ( Mr Cooper ). The modification was still intact and I made my payments straight from my bank. RightPath ( Mr Cooper ) never applied these payments and has now cancelled my modification and I am in jeopardy of foreclosure. I have copies of where these payments were sent, I have tried to reach out to the person that has been handling my account, since we had scheduled meetings via phone call, but she ignores me every time.
Product: Credit reporting or other personal consumer reports

I Disputed an account due to incorrect information, Account was Settled in full with a XXXX balance. After dispute I was notified that it in fact was verified with no changes. They refuse to remove or update inaccurate information. 

Dispute report # XXXX XXXX XXXX Account XXXX in settlement Balance updated in the amount of {$360.00} on XX/XX/2024 XXXX
Product: Credit card

am writing to file a complaint against Capital One regarding the improper closure of my account. While I was traveling, Capital One restricted my card. Since I did not have the physical card with me, I provided my ID through their digital system. Despite this, Capital One abruptly closed my account. ( capital venter card XXXX XXXX XXXX XXXX ) Capital One claims that on XX/XX/XXXX at XXXX XXXX someone confirmed that the application for the card was fraudulent. However, I never received any call from them, which I verified by checking my call log. I am confident that they mistakenly contacted someone at my old address who is not me. This person likely responded incorrectly due to a lack of proper identification verification from Capital One. 

I requested information on which number Capital One called, but they refused to provide any details. Furthermore, they permanently closed my account and card, demanding that I fulfill my financial responsibility without offering any clear explanation or an opportunity to address the issue. 

I believe this situation arose due to a failure in Capital Ones verification process. If they had properly verified the name and birthdate, this issue would not have occurred. This has caused significant inconvenience, especially since I am currently traveling. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving it. I seek re-evaluation of the account closure, a detailed explanation of the investigation process, and ideally, the restoration of my account. 

Thank you for your attention to this matter.
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. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. i have several different issues Wells Fargo accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.
Product: Credit reporting or other personal consumer reports

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681. 

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Credit reporting or other personal consumer reports

This is very alarming as applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Checking or savings account

RelayFi took weeks to respond to my inquiries, locked my account, and reversed my unauthorized charges. 

I am writing to file a formal complaint regarding the handling of my debit card disputes by RelayFi, a financial institution involved in the aforementioned transactions. I have experienced significant issues with RelayFi 's dispute resolution process, and I believe my concerns warrant investigation by the Consumer Financial Protection Bureau ( CFPB ). 

The disputed transactions in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initially disputed these charges with RelayFi as soon as I realized they were made. In response to my dispute, RelayFi provided a temporary credit while they investigated the matter. However, instead of promptly addressing the dispute, they chose to lock my account at the same time, causing undue inconvenience and financial hardship. Subsequently, after a lengthy and frustrating period of communication attempts, RelayFi ultimately denied my dispute and reversed the temporary credit they had initially extended. 

My efforts to seek clarification and resolution from RelayFi have been met with numerous challenges and obstacles. I have repeatedly emailed RelayFi to request explanations and documentation related to their decision. Unfortunately, my requests for clarity have gone unanswered or have received generic responses that do not address the specifics of my case. Additionally, when attempting to reach RelayFi by phone, I have experienced extended hold times, frequent disconnections, and an overall lack of responsiveness from their customer service team. 

I am deeply concerned about the lack of transparency and accountability demonstrated by RelayFi throughout this entire process. I believe that the denial of my dispute, coupled with the failure to provide clear and adequate communication, is not only a violation of my consumer rights but also a failure to uphold their obligations as a financial institution. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that RelayFi adheres to fair and lawful dispute resolution practices. I also request that RelayFi be held accountable for any undue financial losses and inconveniences I have endured as a result of their actions. 

Enclosed with this letter, please find copies of the relevant documentation, including email correspondence and any communication records related to my attempts to resolve this matter with RelayFi. 

I appreciate your attention to this complaint and trust that the CFPB will take the necessary steps to address my concerns and safeguard consumer rights. 

Thank you for your assistance in this matter. 

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

XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.
Product: Checking or savings account

XXXX XXXX XXXX, Wells Fargo and XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/2019 Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/2019 Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX XXXX Bank Name : Wells Fargo If other, please specify : XXXX Transaction Amount : {$1000.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes. This man promised me he would build me a " funnel '' to launch my online course in a week and wrote a contract up for an immediate to begin 90 days course launch, after I pay him {$6000.00} - ONLY acceptable through XXXX. I sent him two {$2500.00} transactions and one {$1000.00} to make the total {$6000.00}. 4 weeks passed by and the work hasn't been done and barely if at all started. so I found out from a group forum that he has scammed a bunch of people out of thousands and possibly 100s of thousands of dollars collectively. I XXXX and saw scam reports and I realized I have been scammed. Also, he has been reported to the FBI via multiple IC3 complaints! Including one from myself. He then started threatening me to sue me for the forum post and the feed and I don't know if I feel safe anymore. Its been abusive emotionally, financially, and mentally, he tried gaslighting me and my family has suffered while I suffer. This is a BAD BAD guy out here hurting a lot of innocent people with his internet scam. I have to care for my mother and sons and life and I couldnt. I had such bad anxiety, my sister came up to help with my mom and I couldnt barely function. I told him this was effecting me and my family. Also, it turns out people who did work with him previously said he is a sociopath who does scam people and not perform or return their money and they left because they didnt want to be associate with him because they witnessed how he was scamming people and they said they would be a witness and sign a statement. NOW the bank Wells Fargo should just give me back my money and XXXX needs to return the transfer, this is XXXX. I want my money back from this douche bag. XXXX needs to learn when to BLACKLIST users from receiving funds through them and not allow him to scam people through there payment gateway I have reported it to my bank to files a XXXX dispute through XXXX XXXX XXXX to his account at wells fargo - but they said Wells Fargo will likely not recover the funds and return them. THAT is participating in illegal criminal activity. They said this is where we file things like this, but I am also pursuing a small claims case. Then on Monday XX/XX/19 I filed  the dispute with the XXXX XXXX XXXX XXXX departmen and have not seen anything in return I have not got my money back. All of these financial institutions are party to this crime. If they want copies or my correspondences with this person, I will provide them and if they want copies of the online reports that he scame people, I will provide them and if they want a copy of the group forum of victims where we discuss these crimes, I will provide that as well.
Product: Credit reporting

Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, please help me with my concern. I saw BANK OF AMERICA on my credit report and I have late payments ( XXXX 2014 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I began XXXX treatment. A few years later I became aware that my identity was stolen. Throughout my treatment Ive relapsed several instances yet attempted to dispute several fictitious accounts. Experian has made this especially difficult for me. They continue to deliberately update inaccurate information although Ive provided several Police Reports, billing statements and documents. For instance Recently in XX/XX/XXXX, my car lender XXXX inaccurately reported my payment 30 days past due. I provided copies of my account information and payment history along with the letter from my lender which granted a 30 day extension. Experian refuses to update the account history properly. Experian is also the only credit bureau of the 3 refusing to remove inaccurate public records. Experian, XXXX and XXXXXXXX all verify public records via XXXX XXXX and ironically XXXX and XXXX removed the false information while Experian is refusing.There is another account XXXX, they refuse removing which Ive also supplied proper documentation for. They removed the historical account information prior to XXXX which proves the first date of delinquency for the stolen vehicle was in XXXX. Following my little brother XXXX XXXX my brother, XXXX was admitted to a XXXX XXXX and The vehicle I co-signed for him was stolen. At the time we were not properly notified because someone changed my brothers address to an unknown place In Arkansas which is where the lender XXXX sent the mail. My mother later contacted XXXX and they emailed her a copy of the final letter after the vehicle was located. I was at this time seeking treatment in XXXX. I have communicated this to Experian, XXXX and XXXX and it seems that Experian wants to ensure the negative history damages my score and trustworthiness. Im convinced this company is discriminating against me.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Wells Fargo. I transferred {$25.00} from another bank and deposited a {$200.00} check in person on XX/XX/XXXX, transaction # XXXX XXXX. Unfortunately, I am not able to access my account online through the app, or by phone rep. I have also not received my Welcome Packet. This makes it impossible to make a direct deposit in time to qualify for the {$300.00} promo offered online at the time that I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years I have requested copy of the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX  They both refuse. and label my complaints as duplicate.
Product: Credit reporting or other personal consumer reports

My account is charge off and seeing the company wrote it off as a profit loss i was told i was getting a 1099-c i requested so i can then write it off as income. Their reporting charge off on my credit report and are taking a tax break. I will sue this company for statuary damages and suing them for fraud and will notify the IRS. if this company is willing to remove account from my credit report then i will close my complaint out with no further action and will write it off on my XXXX as income using a 1099-c Thank you XXXX XXXX