23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Quicken Loans/Rocket is running a shell game with inspection fees. They simply use data analytics to guesstimate the value of a refinance then up the value beyond the supportable valuation for the loan documents ; then collect the XXXX dollars which they then pocket when the valuation is a few dollars shy. There are hundreds of complaints on the internet, all with the same story. I myself fell for this deception and wanted to pass along a Waring, they do not deal in good faith and use the inspection process as a money maker. the ethics of the mortgage company providing these services for themselves is also highly questionable.
Product: Mortgage

I havent paid mortgage since beginning of COVID-19. I just want to make sure there is some help for homeowners because it will be a yr almost and Im still behind trying to stay afloat Im on permanent XXXX and all the extra stuff I been buying trying not to caught it put me behind plus now my car is broke Im tryptophan get it fixed I have a lot of meds and doctors appointments. I also saw were there was help for your animals well I have 10 cats that I take to vet and feed to keep me company I had before this pandemic hit they do not go outside but do have to here meds one had a XXXX  one can not XXXX  and the others I raised from tiny kittens because mothers left them my name is XXXX XXXX my address is XXXX XXXX  XXXX TN XXXX, USA and my number is ( XXXX ) XXXX please give me a call about my home my cats my utilities my car and living situation! I stay by myself and I worked from age 14 until young man ran light flipped my car three times XXXX XXXX XXXX and etc. I been here since 1998 in this house grew to children up here and dont want to leave thanks and have a Blessed day. And Im trying to do this on a once a month XXXX check XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Synchrony Bank regarding promotional financing I requested. This caught my attention because I had no balance on my Synchrony Bank/Care Credit account at the time. I logged into my account online and found {$6300.00} had been charged to my Care Credit account.

I contacted Synchrony immediately to contest the charge. I was given details about where the charges originated and I was told this charge would be taken off my account and a new credit card would be sent. When I received the new credit card, there was an  additional card with the name XXXX XXXX enclosed. I contacted Synchrony again and I was told she became an authorized user for my account in XX/XX/XXXX. 

Starting XX/XX/XXXX I began to receive letters from department stores, online catalogs and other retailers giving me explanations for denying me credit. I never applied for this credit and it was clear my identity was stolen. I immediately froze my credit at all three major bureaus and put a fraud alert in place. I took other steps as well that month, including following the steps recommended by the FTC for when your identity is stolen. 

I am frustrated with the lack of care Synchrony takes with my identity. In addition to the fraudulent accounts with retailers I have no relationship with, there were two fraudulent applications for credit line increases for accounts I do own. One of these is the very same Synchrony Bank/Care Credit account in discussion. When I discovered my identity was stolen in XX/XX/XXXX, I contacted Synchrony Bank along with all my other creditors to let them know my identity was stolen. Yet two months later, Synchrony allowed XXXX XXXX to obtain a credit card under my own account in XX/XX/XXXX and had {$6300.00} be charged ten months after that. I am frustrated and worried.
Product: Credit reporting or other personal consumer reports

REF : XXXX Experian and XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

As Defined by the XXXX  : The XXXX considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to XXXX XXXX XXXX XXXX, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
XXXX*15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Below is a list of the items I am disputing : Account Name : XXXXXXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX Account XXXX XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXXXXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX XXXX  Account XXXX XXXX Charge-off : XX/XX/year> I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your violation or wiFe cAnsch a directEM consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 
I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
If you have any questions, I can be reached at XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

Ordered from XXXX on XX/XX/year> that was {$69.00} that was supposed to be a XXXX gift turns out it was a scam company, never got my product. Contacted the company and card company. Glasses is not answering and card company just says XXXX did their fulfillment when they did not.
Product: Debt collection

Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. 
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX  equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I got a notification that I have information that's reporting on my credit saying I'm late on credit card payments that's not mine, Please remove the following account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Equifax is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false information.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan, as I'm on long term XXXX. The loan was approved for {$1900.00} and my credit report and number was pulled. I signed the contract after requesting XXXX of the available limit. After signing the contract I was notified that my loan was denied.
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy.

15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.

15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make timely and effective measures to prevent and address fraud on their problem, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair 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 the violations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022XXXX XXXX Date of XXXX XX/XX/2022, XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/2022
Product: Mortgage

My husband and I apply with our mortgage company to refinance, back on XX/XX/2020 after 5 long months of waiting The loan officer approved our refinance amount, to 3.75 % to 30 years we wanted to negotiate with him the terms of interest to high and the market were still is in 2 % or less than 3 % and he desires to close the case and denied the credit. 

During those 5 months, we pay the necessary fees and sent several emails phone calls trying to speak to this loan officer. In those 5 months, he spoke to my husband 1 time to collect the necessary documents and that is all. 
We applied with another company and close within 45 days. 
I'm complaining because this can not happen to anybody else. 
I just want to make a note of this officer 's behavior.
Product: Debt collection

Original Creditor Name XXXX is incorrect as I have never signed an application with any company named XXXX, There was an account I paid off that was a XXXX account it was posted on the XXXX account as AFNI and then as XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to AFNI Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
Product: Debt collection

I entered a consumer credit transaction with AUTONOW and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that AUTONOW claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. AUTONOW has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Mortgage

For the past 9 months, I have been dealing with Wells Fargo Bank regarding the money that was held in a blocked account from partial proceeds from the insurance claim by Hurricane Sandy. There was approximately over {$48000.00} in the account and it was misapplied. We sold her house down the shore that could not be rebuilt as a short sale and Wells Fargo forgave the debt. We assumed that Wells Fargo was going to apply the proceeds to the amount forgiven which would reduce the XXXX form and what we had to pay in taxes which did not happen. I have a timeline of the events and errors which were the following : 1 ) They stated they mailed us a check and then rescinded that because they stated they were in error.

2 ) The proceeds were used to pay for fees but they stated there were no fees.

3 ) They stated that the fees went to an investor and after talking to them, I stated that they were the investor and just absorbed the fees. They agreed that was the case. 
I understand by signing the short sale forms that we were not entitled to the proceeds but all I have been asking for is the reduction of the XXXX for forgiveness of debt amount which totaled about {$170000.00} to be reduced by about {$48000.00}. I have addressed this with the OCC and so far no satisfaction. I had to address this with the OCC about 3-4 times and now I am reaching out to you because I feel I am not alone in this. 
At this point, my mother has passed away and my sister and I had to pay the additional taxes because of the non-reduction of the forgiveness. I now want to be reimbursed for the {$48000.00} and additional money because of the multiple number of miscommunications, delays in the process and general attitude of Wells Fargo. I spent hours on just doing what i feel is correct but so far no response because they mail their communication to an address that no one from the family lives at. Please advise the next steps and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : COMENITYBANK/NY & CO XXXX Account number : XXXX Date opened : XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Checking or savings account

I made my deposit for my XXXX check from the US Treasury in the amount of XXXX on XX/XX/XXXX at XXXX XXXX  at XXXX XXXX XXXX in XXXX XXXX. There is a hold placed on the deposit once again until XX/XX/XXXX. I called and got a call back from the bank to discuss the issue the man that called said there was nothing he could do. He was not able to provide me a number to their regulatory department. My account meets none of the criteria for this type of hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Capital One investigate fraud charges and remove late payments on my credit report caused by these fraudulent charges which I reported to them over the phone. The call was recorded and the agent on the phone stated that as long as I write a letter these late payments would be removed from my credit report. The following letter was sent to Capital One in XXXX and I was never given a response. 



Attached Letter : I am writing to request Capital One to send notifications to credit bureaus to assist in dispute of payment delinquency caused by fraud charges. 
XX/XX/2022, I noticed an email which stated I was late on a payment, so I paid it. I was surprised to see I had a payment due for that card because I hadnt seen it in a while, but I got busy with XXXX coming up and didnt feel like looking further into it. I was going over my finances on XX/XX/2022 and looking at the charges from this account. I didnt recognize any of the charges and I havent used that card in a long time. Due to the initial fraud charges, I wasnt aware I had to make a payment due to these fraudulent charges and as a result I incurred a delinquency on my credit score. 

Please see the following fraud charges which caused the delinquency : XXXX XXXX, XXXX  XXXX  XXXX XXXX  {$14.00} XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX {$77.00} Please remove the late payments from my credit card report. See attached copy of my credit report where Ive highlighted the errored delinquency.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please REMOVE the accounts completely : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX