23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called Equifax 's automated credit freeze telephone service to request a credit freeze on XXXX/17 after hearing about the company 's massive data breach and verifying that my account may have been affected on their website. Their phone service crashed several times while processing my request and I had to repeat the process over and over again without success. Finally, I visited their website to try doing it online, and I saw a notice that a credit freeze had already been activated. I think one of the requests I made by phone had gone through without informing me. However, I never received a PIN for unfreezing my credit. I called their customer service phone number twice but hung up each time after being on hold for more than half an hour. Finally, I called a third time, waited again, and then when someone finally answered I asked the person what was going on with my credit freeze. They said I could call the automated credit freeze number to find out more during business hours. This was useless because it was the same automated number I had called initially that had issues processing my requests. It 's been a few weeks and I have no clue what is happening with the credit freeze on my account or what the PIN is to unfreeze it. This whole situation with the data breach is ridiculous.
Product: Money transfer, virtual currency, or money service

Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.
Product: Mortgage

Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?
Product: Consumer Loan

I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.
Product: Student loan

I was told by XXXX XXXX that I was in the Public Loan Forgiveness Program  through a letter. They took over my XXXX XXXX XXXX. They said I needed to make my XXXX Loans into Direct Loans to be in the Public Loans Forgiveness Program. 

I did as they said and I consolidated my XXXX  Loans into Direct Loans losing the time towards Income Based because I was in the PLFP. 

I was told I didn't need to consolidate any more of my loans with XXXX XXXX and that they would bring my XXXX XXXX Loans over because I am in the program. 

Now, today, I got a letter saying that I might be eligible for the program. 

I am confused and frustrated. It is causing me a lot of XXXX because I could have kept it in Income Based and been done with it in 13 years. Also, 10 years ago, I was denied the XXXX Forgiveness Program and no one told me about the Public Forgiveness Program. 

I'm a XXXX XXXX XXXX and I feel like the government has let me down even though I have been a XXXX for 23 years.
Product: Credit card

I purchased car battery from XXXX on XX/XX/XXXX in the amount of {$350.00}. However, the merchant did not deliver the product until the promised delivery date on XX/XX/XXXX. After unsuccessful attempt to contact the merchant by phone, I opened up a dispute with American Express on XX/XX/XXXX with the Reference number XXXX. American Express closed my dispute on XX/XX/XXXX without issuing any credit, stating that the merchant provided proof of delivery. 

However, the proof does not show that the product was delivered to my home address, does not show any signature nor photo of the package being left. Therefore, I called American Express again on XX/XX/XXXX. The company representative suggested me to open a purchase protection claim, however, the claim was rejected couple days later.
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. 

I told the XXXX and XXXX, to reinvestigate this account : Account name : western Funding Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

An account was opened in my name while i was in the Kay 's jewelry store without my knowledge. I explained to the employee that i did not want my credit ran and i did not want a card in my name. This card and the stipulations also seem to change to benefit Kay. The penalty and interest rates seem to increase. Since the card was already on file i made the mistake of making the purchase on the card. I have had difficulty paying the card as they do not make things clear for you to pay. I have had assisted payments that i had to pay for over the phone. I have continuously attempted to contact the corporate office to rectify this practice and to talk to someone about the difficulty of paying. the last payment that i was to make was late and i had {$400.00} in interest tacked on for a card that i never wanted and a dispute that has never been answered. I have continued to pay but i am paying over {$600.00} in payments that have been tacked on as penalties. When you attempted to contact the offices no matter how you try you are disconnected. I am a customer of Kay jewelers and am very disappointed by the unfair practices. I asked for my card account to be closed and I am not sure that this has been done. I spoke with an employee that has stated to me that this is common practice and this happens to a lot of people. The employee also stated that the company will not help me. I was also told that i will probably not be able to get in touch with corporate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I report as inaccurate and Please remove the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  # XXXX SNAP-ON CREDIT LLC # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS , L.L.C have been harassing Me and calling me none stop. I've notified them of my account being fraudulent and have also notified XXXX. Neither one of them will remove this account from my credit report. I've done everything I can to get these people to stop harassing me but they dont stop. This debt they said I owe is not mine. They dont even have a Cotract From me. They have been violating my rights and have continued to make fraudulent claims against me. I want this to stop and this company removed from My credit report and they must pay for the illegal actions they perform on a daily bases.
Product: Checking or savings account

XX/XX/2020,, Continued, Issues About These Matters,, Wells Fargo Still Have, 'nt Fixed Any Of My Issues At All,, Yes,, I Did Get ( 2 ) Response Dealing With A Week Ago On XXXX, XXXX And XX/XX/XXXX Both Of Letter Pretty Much Saying The Same Thing,, They Did Say In ( One ) of Letters About,, Unathorized Bank Account Settlement,,,, When I Did Call And Sent A Email To The Admistration About Issue It Redirect Me Back To The Company, Then Put On Hold For A While,, This Is So Unbusiness Like Conduct ,, I'm Very UnHappy With This Company,, When Is These Issue Going To Be Solved,, This Bank Have Not Paid A Dime Yet,,, What Is The Problem,, It Don't Take Long To Figure Whether They Where Wrong About Everything That They Did,, To Me And My Family,, Why Make Me And My Family Suffer So More About These Issues,, Old And New!!
Product: Credit reporting or other personal consumer reports

It has come to my attention that Experian has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic 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 align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my personal rights as a consumer.
Product: Debt collection

On XX/XX/2018 I contacted Stenger and Stenger and made a payment arrangement for $ XXXX   monthly starting in XX/XX/2018. I called back on XX/XX/2018 to verify the date I was to pay. I was told that the arrangement had been canceled because they are going to send me a summons. Rep was happy to make another payment arrangement but not for the previously agreed upon terms and if I did not make an arrangement they would continue to pursue a legal route. I feel this is dishonest.
Product: Credit card or prepaid card

Synchrony Bank converted the H.H. Gregg store credit card to a Home card where you can purchase furniture and home goods. My payments are not being processed correctly and I continue to pay on small non promotional amount from over two years ago that is not going down even though I am making large payments and they aren't all going to my promotional balances. My payments are disappearing. The bank is shady and will close your accounts if you complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  drop my score 75 points for no reason after starting a reed investigation for no reason. TransUnion continues to post the web bank account on my report as XXXX  has.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 4 business days after the date of receipt.
Product: Checking or savings account

XX/XX/2023 I applied for a Chase Bank Account. However, I was denied my own credit based on Chase doing an inquiry with XXXX later in which I recieved a denial letter from Chase on XX/XX/2023. My complaint to be clear is # 1 Chase denied the extension of my own credit which is unlawful and illegal # 2 My security interest is being used without my permission and/or benefit to me while Chase is receiving monetary benefit through the application and my estate # 3 Their action was discriminatory as they are benefiting from my estate yet denying my access through a score. As the Surety, my application represented and is the Orginal Collateral Certificate, as Surety I have power of attorney over this application, and through the power of substitution I am demanding that Chase open my account with the appropriate credit as I have power of attorney over the FDIC collateral as well, therefore my account needs to be open forthwith as an opened-ended account. Chase said it was the score that played a factor in the denial, however, that information and score were inaccurate. I am a certified healthcare provider and have major concerns as to where my XXXX  is being used and by whom without my permission or benefit. I am also opting out of any arbitration clauses and rescinding the security interest, security entitlements Chase may claim to be theirs, as well as the proceeds portion of the terms and conditions
Product: Money transfer, virtual currency, or money service

Venmo deactivated my account on XX/XX/2024 they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX and XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home if I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines.
Product: Debt collection

LexisNexis is a third party vendor whom before XX/XX/2018 was associated with reporting to XXXX bankruptcies on credit reports. I am not a customer or consumer of LexisNexis and do not wish to be contacted via email or disclose my personal information to them, I have no association with LexisNexis and they do not have the right to have my personal information social security number, etc. LexisNexis is reporting false information to XXXX which is against the Fair Credit Act. LexisNexis and XXXX dismissed their professional relationship on XX/XX/2018. My identity is verified through XXXX whom is a credit agency with the Credit Bureau. XXXX needs to delete the bankruptcy off of my credit report.
Product: Debt collection

I did not have a social security number in 2012, and could not possibly be involved in any credit/debt related issue.
Product: Debt collection

Received call at work from " XXXX XXXX '' at XXXX XXXX  XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good credit score.