23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were pre-approved for an fha loan by a lender at USA mortgage in the beginning of XX/XX/2021. We were sent a pre-approval letter as well as our realtor thay was assigned to us by the lender at the company. We were told to go and make offers and find our home. We look for weeks, looked at many homes found one, made an offer didn't get it. We kept looking then we found the one. Made the offer told the loan officer about it he gave us number like what to expect for mortgage payments and such and then our offer was accepted. Now we are at the end of the closing process and the lender calls abd says there is an issue on the XXXX report. Not denying there is, however, we asked why this report wasn't ran wheb we were pre-approved and were told via text message, " a XXXX report can not be ran until a fha case number is assigned and in order to do that you need to be in contract '' so my grievance is : we were lied to about the XXXX report not being able to be ran, we were told to get into this binding contract and started packing and investing money into loving into this home and USA mortgage is the reason we entered the contract in the first place. I fear litigation charges from the seller as they called weeks ago told us there was an issue. Called right back within 5 minutes and said they were mistaken everything was fine, then last week they finally ran the XXXX  days before closing.
Product: Credit card or prepaid card

I was running my credit because I wanted to start building it. I tried to log into a few bureaus and I couldn't because there were already accounts open in my name but with a different birth year which was XXXX when I was born in XXXX. Once I got in I noticed that I had a lot of credit cards and loans in my name that I never had. Some of the things date back to XXXX when I only was XXXX XXXX XXXX. There were credit accounts and loans with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, Capital One, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX I Contacted all bureaus to remove all accounts, a lot of information is wrong, such as my name, date of birth, and address. 

I also filed a police report for identity theft that I will be attaching, along with my credit report.
Product: Debt collection

On XX/XX/year>, I purchased a car for my now Ex husband. Within a year, I gave the car back. My husband and I got a divorce. My ex husband no longer wanted to pay for the car. Santander sold the car and they sent me a letter, that they sold the car, and I didn't owe the balance. I can't find the letter. Years later, they start calling and harassing me. Santander was sold to XXXX  and then they start calling me. Now XXXX bought XXXX, and they are calling me. This auto loan is XXXX XXXX XXXX. I thought the statue of limitations, for an auto loan, in the state of Alabama, is no more than 6 years. I want the calls to stop. They call me everyday from the same number and now odd numbers too. The phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian periodically ( on average, every two months ) lowers my credit score without providing any qualitative details as to why it was lowered and no means of disputing the change of score. This credit reporting business lowers my score, provides no actionable reasons why it was lowered, and then offers general information how to raise one 's credit score and also provides " products '' that can purportedly help an individual raise the score. This company needs to provide qualitative evidence why the company found the need to lower an individual 's score and then provide channels for that individual to reinstate a previous score when no irresponsible action to lower a score was committed. I have not altered my financial behaviors one iota since Experian last sent me a credit score change notice. The company seems to be arbitrarily lowering my score when they see fit. It is exasperating to be punished for no apparent reason. This company owns the score, makes the rules for maintaining a score, and hides behind call center representatives whose job it is to sell product so the executives and management don't have to answer to their harmful policies and practices.
Product: Credit reporting or other personal consumer reports

Transunion will not fix online access since XXXX or so. Can not even do annual credit report for them. Reset online acct and reported to IT to fix access XXXX XX/XX/XXXX @ about XXXX EST per transunion rep. Can't do anything except log in online. Transunion will not fix it. Have mailed for credit report a few times with ID and nothing. Told I should have got one already as requested on phone XXXX. I only get error messages. Able to log in as they even tried delete and re set up acct.
Product: Student loan

My Federal loan was transferred to this company about 5 years ago. I logged in and set up auto-payments that would increase every year or so to help pay off the balance faster and unfortunately for me, didn't pay much attention to the account. My original balance was {$34000.00}. I have paid over {$9000.00} to this company for my loan, and now my balance is {$35000.00}. This interest rate must be the legal max, which is absolutely not what I signed up for. My estimated 'pay off ' is in 21 years and at that time I would have paid {$70000.00} for a {$34000.00} loan. What is my interest rate? No clue. Cant be found on the website after I log in ANYWHERE. I have a feeling I received some scam letter saying my loan was being moved to this company and fell for it. I am paying off this loan with this company today in full so I don't have to deal with this SCAM any longer. But I would love some answers and to find out if I can get my {$9000.00} back/applied to my loan rather then pocketed by this 'company '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This complaint is about Wells Fargo trying to, in effect, steal {$5000.00} from me. On XX/XX/, I initiated a transfer of {$5000.00} from my checking account into my wife 's Wells Fargo Checking account. On the same day, my wife closed her Wells Fargo Checking account, and was issued a check for those funds at a bank branch. That check did NOT include the $ XXXX from the transfer I initiated on XX/XX/XXXX. However, the transfer was processed by my bank and the $ XXXX was deducted from my account. If we had not been paying close attention and caught this on our own, Wells Fargo would have kept that money, rather than issuing a refund or cancellation of the $ XXXX transfer, which is what they should have done. The transaction could not be completed because the XXXX  account was closed, so the transaction should have never went through. But the transaction did complete and the $ XXXX disappeared, as far as we're concerned. My wife had to reach out to Wells Fargo customer service to try to resolve this issue -- Wells Fargo claims they are " investigating '' but we haven't received a resolution. I'm raising this complaint because I worry that other Wells Fargo customers may experience similar situations where transferred funds disappear, or don't go where they are supposed to. It should not be incumbent upon the customer to verify that bank transfers are completed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to  receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA )  which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.
Product: Money transfer, virtual currency, or money service

There was an error, resulting in the wrong routing and account number being entered on my electronically filed XXXX XXXX tax return. 

The {$580.00} refund was sent to routing # XXXX and account # XXXX on or around XX/XX/XXXX. 

This is not my account. I do not have an account at XXXX. My name or social security number is not associated with this account. 

The XXXX Department XXXX XXXX XXXX XXXX " If incorrect banking information is provided to us, the bank will reject the refund. Once we receive the refund back from the bank, the XXXX XXXX XXXX will issue a paper check and mail it to you '' The state of XXXX provided me with a tracer # XXXX for my refund. 

After spending hours on the phone being run around to different departments and phone numbers, I was told nothing could be done. XXXX will not return the refund to the XXXX 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my credit report that I do not recognize
Product: Debt collection

Called multiple relatives and gave detailed loan information including amounts. 

Called my friend on XX/XX/2022 and gave her detailed loan information including amounts and settlement offers. Stated she was a co-signer on the loans when she was not and admitted that it was a mistake and she wasnt a co-signer. They had her social security number and information they shouldnt have. The person on the phone gave her her social security number without verifying who she was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two years.
Product: Debt collection

XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put in my complaint this is XXXX XXXX I accidentally said XXXX and my data was compromised with XXXX.my email is XXXX I didn't put my number XXXXmy next complaint is with credit acceptance I called them repeatedly over the years and explained to them I had a disaster fire and 4 years later they say I owe XXXX XXXX XXXX blew up XXXX the winter storm that's where I lost everything they seem to have no regards.i think this is so unfair and they won't do anything to help with the situation.fema had to help around XX/XX/XXXX in XXXX Texas where I had to relocate XXXX.Right before that in XXXX I was informed that my identity was stolen and fraud was committed so I went to XXXX police station to file charges as well as get a police report.due to the fire I lost everything no paper chase.as of today my information is still being used I was informed my information is on dark web and will remain there.im unable to get my id social security card birth certificate.please help in anyway possible.im fighting with my bank because my money was stolen from my XXXX online account XXXX and I was incaserated in XXXX county from XXXX XXXX XXXX transaction has been made during that time over XXXX XXXX dollars.please let me know what I can do thank you
Product: Checking or savings account

I have a Capital One Spark Business account. I have not been able to access transactions, funds, balances, statements, or anything since XX/XX/2021, ( about 3 months ). I have called and every time I call I am on hold for 45 minutes - 70+ minutes. They have requested documents from me to verify my business and I have sent them several times however they keep telling me they aren't receiving any documents. I have emailed them and faxed these documents and have proof that I have sent them. Outside of 2 out of the many people I have spoken with the customer service is cold, inconsiderate and rude. They keep giving me the run around and my business has suffered greatly. They told me several times I would be contacted back however no one has contacted me back in months. You can only imagine what type of affects on a business it will have not being able to access any funds for 3 months. This is the worst experience anyone can deal with regarding a bank. A bank that is supposed to keep your money safe for you and help handle financial services. However, the bank just takes your funds and won't let you access it for months without any clear reasoning. I requested statements and never received any. There could also be unauthorized charges on the account. However I am unable to even see or access any transactions on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked, my information is now available.
Product: Credit card

I have no knowledge of this account. Please investigate and remove this account from my credit report.
Product: Debt collection

I applied for XXXX XXXX XXXX XXXX. I was approved and denied financial aid. I was told to pick my classes and apply for loan. I ask them to look into my aid. After I attempt to get my book for the classes .To be told I had to buy the book out of pocket. I drop all the classes. To later get a bill and month later a bill from the collection company. I called Financial aid who agreed my aid was process wrong understood while I drop the classes. Advised me to all the student advisor to help me look into the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX  ACCOUNT XXXX XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act XXXX Account # 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 with my written instructions
Product: Debt collection

I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.
Product: Debt collection

I looked on my credit report and seen someone took a Citi bank loan out in my name on XXXX XXXX in the amount of {$2100.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due ti inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resoltuion process was unair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter dated XX/XX/year>XXXX   that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Product: Money transfer, virtual currency, or money service

Can't find the account number for the account that I have with cash app and can't find it on the app
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Checking or savings account

Its was in 2022 Id say around this time of the year around XX/XX/XXXX or so I had done my taxes ndthe next day I had left my backpack infront of my garage door by mistake for about a XXXX seconds nd it got stolen with my extra cellular phone my belongings including my wallet with my debits cards inside also the phone had no password enabled so whoever stole my bag had nd acc login info to access my acc and my money before I knew my taxes even hit my account that they closed down after withdrawing about XXXX $ of my hard worked tax money worst year Ive ever had I never seen a XXXX $ of that XXXX $ that got stolen in 2022 I had became homeless because of those cowards that stole from me nd left me homeless currently till this day
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items 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 items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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: Credit reporting, credit repair services, or other personal consumer reports

An XXXX XXXX account appeared on my credit this account was opened frauduantly and I sued the car dealer and XXXX XXXX and was found not liable. Illinois attorney general office was involved law enforcement and the court system for consumer fraud trans union and XXXX  all removed this item because its not mine it was obtained fraudulently. But for some reason Experian doesn't understand the meaning OF FRAUD. I have reached out to XXXX XXXX but they cant help me because they cant verify information on account and as part of my settlement they cant even talk to me.