23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX i made transaction on XXXX 2022 with westen union. Then i am cancel my transaction on same day. And i call customer care representative for refund they told me your amount will be refund to your account on XXXX 2022. On XX/XX/XXXX in mid night i call agin customer care Representative And he told me we get amount on XX/XX/2022. Its take XXXX more days. But my amount alredy Detective from my account on XXXX 2022 at same day. Then i call to my bank they told amount was cut off on XXXX XXXX 2022 the westen union still did't give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in this report are fraudulent and equifax is breaking the law by reporting fraudulent inquiries Equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I attempted to make a purchase at a XXXX XXXX in XXXX OH with my TD credit card ( approximately {$15.00} ). It did not go through because the card flagged it as potential fraud, and locked the card. I am also not able to view my account online or make payments online. In the next week, I called TD bank XXXX times attempting to get this resolved. I was told that they could not authenticate me over the phone, and that I needed to go in person to a branch. There are no branches in Ohio, the closest one to me appears to be in North Carolina. I can not travel out of state to take care of this. TD refuses to let me cancel the card or make a payment online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$240.00}
Product: Money transfer, virtual currency, or money service

PayPal has debited 2000 from my account to buy bitcoin. Funds have been removed and are " available ''. When attempting to move them they say unexpected error. When I call them they say its for my security and they can not give me my money. They managed to take my money just fine but refuse to allow me to do it. They claim they are just a financial services company so they can keep my money with no recourse as long as they want and I can do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing incorrect information on my credit report. I tried to dispute it through their website and it wont let me login. I can log into my online account but every time I go to the dispute center it tells me to login when I log in it says incorrect login in information. Its the same information I used to log into my account. XXXX XXXX XXXX XXXX is reporting my account with them with a balance of {$570.00}. This is inaccurate, I am enclosing documents from XXXX XXXX XXXX XXXX that proves the balance is only {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover 4 times over the past 2 months regarding and issue with my credit report. 

I am showing late 30 days on my credit report on XX/XX/2019. 


I have sent numerous emails and letters to discover asking to remove this late reporting as it was at fault of discover. 

I got a call on from discover stating they received my complaint and the late reporting would be removed and now its been 3 weeks and I have received not email or letter promising this removal. 

Discover is now ignoring my emails as you can see in the attachment. All I am asking is discover remove this late reporting or I will be forced to sue discover.
Product: Debt collection

THE SCHOOL XXXX  XXXX UNIVERSITY IS TRYING TO DESTROY MY PERSONAL CREDIT AFTER I WAS A TOP A STUDENT THERE. I HAD TO WITHDRAW DUE TO PERSONAL REASONS, AND I ASKED THE DISENROLLMENT COUNSELORS IF THERE WAS GOING TO BE ANYTHING ANY FINANCIAL IMPACT. I WAS TOLD NO AND THAT MY STUDENT LOANS HAD ALREADY BEEN PAID AND COVERED MY TUITION AND EXPENSES. I ACTUALLY CURRENTLY PAY ON THOSE STUDENT LOANS NOW. I RECEIVED A BILL FROM THE SCHOOL FOR ANOTHER {$10000.00} OUTSIDE OF MY STUDENT LOANS. THIS IS FRAUDULENT PRACTICES. HOW CAN THEY COLLECT FROM THE GOVERNMENT TO COVER MY COSTS, THEN ALSO BILL FOR A PORTION ON THE BACKEND WHICH WILL IMPACT MY PERSONAL CREDIT MORE THAN THE STUDENT LOANS. THIS IS UNFAIR BUSINESS PRACTICES.
Product: Debt collection

FREEDOM MORTGAGE sent me a letter in attempt to collect an alleged debt but I am a natural person/consumer and now aware of my federally protected consumer rights. FREEDOM MORTGAGE furnished a certain deceptive form ( 15USC1692j Violation ) which showed a alleged debt in a positive not negative amount ( 15USC1692e Violation ( False and misleading ) ) FREEDOM MORTGAGE also has violations of 15USC1692b ( 5 ), 15USC1692f ( 8 ), and 15USC1692b ( 2 ). 

I demand that FREEDOM MORTGAGE be held civilly liable pursuant 15USC1640 and criminally liable pursuant to 15 U.S.C. 1611 I also demand the balance be zeroed out and the account be closed and the consumer, be paid damagers pursuant to 15USC1692k {$1000.00} per violation and actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year>
Product: Mortgage

Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX  and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of an account open without my knowledge. I filed an FTC report and a police report and submitted a dispute to Equifax on XX/XX/XXXX under conformation number XXXX regarding an XXXX being on my credit report, an account that I was not aware of, and XXXX XXXX XXXX, which is an account they have listed shows a XXXX XXXX which is not my name. I provided my Passport along with SS Card to Equifax. 

On XXXX XXXX. I received an email from Equifax that they had completed the investigation and both was reported as verified and remains on my account. 

On XX/XX/XXXX, I contacted Equifax to asked what information was provided by the creditor that this was my account. I was told it was not the creditors responsibility to provide proof and that my FTC report did not have the account number for XXXX. How do I'm suppose to know an account number for an account that I have no knowledge of. 

There was no proper investigation that took place within 5 day and there is no record of the other party responding within 5 day. 

I was told that I have to submit another dispute regarding the account again that would take another 30 days and update my FTC report. 

I've contact FTC and providing an updated FTC report. and police report. Police report has blacked out my name and address due to Identity Theft according to XXXX XXXX Police Dept.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning the late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

LOANCARE LLC XXXX
Product: Debt collection

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/2023. On XX/XX/2023, it was brought to my attention that Asset Care LLC furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692 ( a ). See. Attachment.

I XXXX XXXX never received notes of this alleged debt from Asset Care LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). This negative reported information has grossly affected my ability to borrow money from any Finincial Institutions and has affected my credit worthiness.

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Texas. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Asset Care LLC Sincerely, XXXX XXXX
Product: Debt collection

VIOLATION OF FDCPA, TCPA AND DODD-FRANK ACT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Attn : Consumer Relations/Dispute Department Subject : Request for Resolution of Improper Reporting and Disclosure Practices Dear Experian Representative : I am writing to address several concerns regarding the way Experian may be handling and reporting my personal and financial information. Specifically, I believe certain actions may conflict with The Privacy Act of 1974 ( 5 U.S.C. 552a ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6802 ). 
1. Unauthorized Disclosure of Transaction Details The Privacy Act of 1974 limits the sharing of private data without explicit consumer consent. I am concerned that my transaction history may be disclosed without the proper legal basis or my written approval. 
2. Reporting of Charge-Offs as Certificates of Indebtedness When financial institutions designate an account as a charge-off, it can be treated as a Certificate of Indebtedness, which may be regarded as income for tax reporting purposes ( e.g., via Form 1099-C ). If Experian is disseminating information related to these charge-offs in a manner that misrepresents my financial situation, it could violate my rights under the FCRA. 
3. Potential Violations of FCRA and GLBA FCRA ( 15 U.S.C. 1681 et seq. ) : Consumer reporting agencies must ensure the accuracy, fairness, and privacy of personal information in consumer reports. I ask Experian to review its practices to ensure my information is being handled in compliance with these guidelines. 
GLBA ( 15 U.S.C. 6802 ) : This law restricts the unauthorized disclosure of nonpublic personal information. If my dataincluding transaction history or other sensitive detailshas been released without my permission, it may infringe upon GLBA provisions.
Product: Debt collection

This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

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 you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I have contacted Target personally and they have a address on file that I have never lived nor used. This false information and address is currently on my credit report and I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License. I filed a police report and a identity theft report with the Federal Trade Commission on this matter.
Product: Credit card

Applied as a credit Worthy applicate. I gave my ss # and was discriminated against. And received no benefits
Product: Mortgage

my name is XXXX XXXX. We have been fighting forecloser for almost a year. we thought were making some progress. We found out on fri. XX/XX/XXXXthat our hpme was sold by the mortgage co. there name is ocwen finance. we were not notified in anyway. I've called them, but could not get an answer. I don't know what to do. my wife and I are on social security, so we don't have a lot of money to hire a lawyer. Please help us, if you can. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ), you are required to notify me of the reinsertion in writing within 5 business days. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have attached an identity theft report for these apartments as Ive never stayed there before, please remove at once. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

An inquiry was reported on my credit file without my consent. I did not authorize this inquiry and the company stated because I dont have an account with the company they cant find any information about the inquiry
Product: Debt collection

TEK COLLECT IS CONTACTING ME ABOUT A DEBT WITH XXXX  XXXX XXXX XXXX THIS DEBT IS NOT MINE I DO NOT OWE ANYTHING TO XXXX XXXX XXXX, WHEN INFORMING TEK COLLECT THIS ACCOUNT IS NOT MINE, THEY INFORMED ME THAT THERE ARE NOTES ON MY ACCOUNT STATING DO NOT ENGAGE OR SPEAK TO ME OVER THE PHONE THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies listed below 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized, Unverified, Incomplete Inquiries Listed Below : 1. XXXX XXXX Date XX/XX/XXXX Unauthorized 2. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 3. XXXX XXXX XXXX Date XX/XX/XXXX Unauthorized 4. XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Unauthorized 5. XXXX XXXX Date XX/XX/XXXX Unauthorized Unverified Accounts Listed Below : 1. XXXX XXXX Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX  ( Account # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Product: Checking or savings account

On XX/XX/year> my chime account was suddenly closed. I received an email stating I was not eligible for a refund & that I did not meet the user agreement. I called chime customer service, they stated they couldnt let me know anymore about the closure due to security reasons & that I was not eligible for a refund. Im unsure of how much was in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly investigate these unauthorized used of my credit report by way of hard inquiries by companies. A dispute was submitted and was falsely stated to be investigated in less than a day.