23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, Quicken Loans advertises financing as easy as 1-2-3 but that is not the case. In fact many real estate agents I have worked with say quicken is not a good way to go. A : Quicken has held me hostage to " conditional '' approval of my loan- even after all of my objection deadlines for the property that I am under-contract for. This strategy gives them the upper hand and lets them set the terms. B : Quicken requested repairs to the property that were not requested by the appraiser and not considered an impact on the valuation of the home. They said, " Its something they just wanted done. '' It almost killed the deal, cost me money on a property I do n't own yet and made it impossible to do an appraisal objection since it was quickens request- not the appraiser. C.Quicken has asked for documentation for every amount down to {$100.00} going in and out of ALL my bank accounts. Basically causing me the inconvenience of 'freezing ' my account activity so that they will not HARASS me with any more documentation requests.
D. Quicken keeps on coming up with new " problems '' they had n't noticed before like asking me to pay off my auto-loan to qualify AFTER they had already qualified me. The auto-loan had been there all along. It is my professional opinion and that of my legal counsel that quicken is doing whatever they can to block this loan. E. Quicken has repeatedly attempted to find ways to charge more points to my loan so that it is more profitable to them.
Product: Student loan

I sent a letter to the 3 credit bureaus regarding my Dept Ed/Nelnet account, I didn't recognize this account from Dept of Ed/nelnet and requested they remove it, this shows as a closed account on my report. Instead, they dinged my credit report for the month of XXXX and XX/XX/2021. I later realized I had paid these accounts off and do not owe anything. 
I want this fixed on my credit report because this dropped my scores by 54 points by reporting them negative to the bureaus. Can you please help me resolve this. I don't understand how they can ding me for a closed account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.
Product: Checking or savings account

I have an account with Capital One 360 savings and I have over {$2000.00} in the account and they will not release these funds to me or until it " aches '' to the state. Then I have to claim it from the state! I feel like because I have a fraud alert on my credit file because someone tried to use my identity not I them, and because a customer wrote me a bad check that they are punishing me for some reason and they should not be. 

Account Number XXXX Routing Number XXXX Balance as of XX/XX/2020 at XXXX XXXX  PST {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Product: Credit card

Synchrony Bank changed Customer Service handling at some point and stopped eBilling to my credit union without ever sending a statement for XXXX through XXXX XXXX. They sent me to collections in XXXX. while on vacation. I never received a statement for the card usage. I tried in XXXX, XXXX, XXXX and XXXX to get the statements, but each time I got secure emailed a letter saying my balance was XXXX for the period and no statements were generated. To date, I have 20+ of these letters. They did waive fees and interest through XXXX XXXX while acknowledging the problem was theirs, but still refuse to fix anything. I've spent XXXX hours on the phone and they've hung up on me a number of times, usually while on HOLD for an Acct. Manager. Last hangup was by and Acct. Manager reviewing my acct. so she knew what was happening. I've requested disputes on several occasions and they were all either not submitted or closed summarily with no actions. They also sent a letter accepting the mistake but continued to not resolve the problem. I would like the statements to verify the accuracy of the charges as there is a Chevron discount for my purchases not reflected in the receipts. They are in BAD FAITH every time I call. 

I've got many additional & similar documents beyond what I submitted below.
Product: Credit card or prepaid card

Tried to login to my Amazon  credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social
Product: Debt collection

This company is trying to garnish my wages from my new Job at XXXX XXXX. They claim it is a Court order from 2008, for {$2300.00}. I worked for a small business in 2008 called XXXX 's. My employer took money from my paycheck to pay them back then. They also took money from my paycheck when I worked for XXXX. I worked for XXXX for 6 years. I am sure I no longer owe this debt. And I'm starting to wonder if I really ever owed them. I think I need to sue. They are threatening to take 10 % or XXXX for my check ever week. I am already struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DEPT OF ED /XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, US  DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Due too inadequate customer service and unfair practices, which violates the customer 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 resolution process and team members were unfair & deceptive, As they did not comply with error solutions requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience for me ( the consumer ) and financial loss, and I seek appropriate redress for these violations. I lost well over a XXXX $ since this ( cash app ) came along
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX. I am a XXXX XXXX XXXXXXXX veteran the credit reporting company 's like XXXX, XXXX and Experian have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.
Product: Checking or savings account

I was just informed that a chase employee named XXXX at number XXXX : Discussed my banking history with chase AND XXXX XXXX  with an unauthorized third party ( XXXX XXXX ) and then refused to contact me through an interpreter and let me instruct her regarding a check I wrote that cleared and what if any financial information I would allow her to disclose if at all! 

She refused to accommodate calling me to conference in with XXXX XXXX  regarding a check which cleared XXXX and that chase would not clear for this third party. 

She said XXXX XXXX has been bouncing a lot of checks with this 3rd person.

You need to make this right. I am himilated and feel dehumanized. She would not contact me in an accessible way and so now this person things I bounced a check with them that I didnt! She defamed me and they need to make this right. 

Ps - the check was my part of rent and now Im late and Im going to get 100s of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.
Product: Credit reporting or other personal consumer reports

I filed Bankruptcy 5months ago however when I got my credit report from my lawyer it showed wrong addresses and other peoples information in my report.According to 15 USC 1681i ( a ) 1 challenges 30 day response time. 15 USC 1681i ( a ) 6 ( b ) 3 challenges investigation protocols.15 USC1681i ( a ) 5 ) B Challenges reinsertion Protocols.all I want is for my report to be accurate and not see my sons information on my report.
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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These inaccuracies have severely disrupted my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Checking or savings account

I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX  Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my  account. 
As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. 

Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>, and I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Student loan

I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXX XXXX XXXX  on notice.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  BANK # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!
Product: Credit reporting or other personal consumer reports

Please remove the attached personal information and inquiries from my credit report as it is affecting me and my family.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding multiple issues with my credit report, including incorrect account entries, an unrecognized collection, unauthorized credit inquiries, inaccurate reporting, and billing mistakes. I seek your support in resolving these matters to protect my financial stability.