23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Quicken sent out a loan estimate to me and then took it back and gave me a higher rate with no proof or change in circumstance for why it changed. 

My loan estimate was for 2.75 % at 25 years and a loan balance of {$140000.00}. 

Once I agreed and asked about a rate lock, they tried to take back the estimate provided. They are now stating I need special approval just to get 2.99 % at 25 years and a loan balance of {$140000.00}.
Product: Debt collection

This debt is fraud. I cancelled my insurance with XXXX and switched to XXXX. I have proof of insurance with XXXX starting from XX/XX/2022. I have disputed this several times, called the collection company and told XXXX to cancel this policy before it sent to collections.
Product: Mortgage

I received my escrow analysis dated XX/XX/XXXX. There was an overage of {$3600.00}. It clearly stated that I had until XX/XX/XXXX to request the refund. 

I called XXXXXXXX XXXX on XX/XX/XXXX to inquire how/to whom I should send the request. I spoke with XXXX. He instructed me to email a letter, signed by my husband, with the account number in question to " XXXX ''. I emailed the letter on XX/XX/XXXX. 

I followed up on XX/XX/XXXX via phone and spoke with XXXX. He instructed me to resend the email to the same email address. I resent it. 

On XX/XX/XXXX I followed up via phone and spoke with XXXX. He instructed me that no notes were taken on the last two calls. XXXX said that he was a " supervisor '' and that he would get it straightened out and a check sent. 

on XX/XX/XXXX I followed up by phone and spoke with XXXX. She sent me a confirmation email that they had indeed received my email with refund request letter. She said that she would call me back with an update. 

on XX/XX/XXXX I followed up via phone and spoke with XXXX. She read the notes, put me on hold several times, and then proceeded to tell me that " they needed the refund request letter by XX/XX/XXXX '' and that I would have to wait for the next escrow analysis because I had missed the deadline. I instructed her that the letter clearly states " XX/XX/XXXX '' is the deadline and that I sent it in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and received a confirmation email of XX/XX/XXXX. I did not miss the deadline. XXXX insisted that someone would call me back.
Product: Mortgage

We refinanced our first and second mortgages with First National Bank in XX/XX/XXXX. The account was escrowed. 

On XXXX, we received a delinquent tax notification in the mail for the XXXX County Treasurer 's office. The bill states {$1500.00} has not been paid. 

I have notified the loan officer, XXXX XXXX. I have also notified the branch manager, XXXX XXXX. We have had mortgages with First National Bank for over 5 years. At no time have they ever failed to pay the property taxes as agreed to per our loan documentation until now. The notifications have been placed in writing via e-mail. 

I am asking that they send out the amount due promptly to the treasurer 's office. If there is a late fee or interest due because of failing to pay it, they will need to absorb it, because it is clearly their fault the amount has not been paid. We are not responsible for this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. XXXX has kept this record after I have disputed this online and by mail. Transunion and XXXX have not resolved or updated me after more than 15 and 30 days.
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

XXXX XXXX XXXX Acct # XXXX Opened XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

The company failed to do proper investigation on my credit report. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the XXXX XXXX XXXX XXXX As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, these accounts are no longer valid, and I am requesting immediate action to mitigate the damage caused to my credit report. 
The following accounts have been compromised due to the breach, and I request that they be blocked and deleted : Accounts XXXX. XXXX XXXX of A Account Number : XXXX Date Opened : XXXX XXXX Amount : {$60.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Amount : {$2300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Amount : {$1400.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXXXXXX Date : XXXX XXXX. XXXX  XXXX  Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX XXXX to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to XXXX XXXX as follows : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reachead out to Equifax about inaccurate information. Like 2 INQUIRIES from same source XXXX XXXX XXXX XXXX. No permissible purpose, i have sent my license, social, and a bill recently.a affidavit and i have fraud alert. And a police report on file. Subjected exposed to fraud. Due to Equifax breach in the past. Other sources Etc. Please investigate unauthorised inquiries. Verify and validate this please and feel free to send me a updated copy to reflect changes. Fcra states all information have to be accurate. Fdcpa states that i need address and phone number of furnisher displayed on my report. Therefore i can contact them. There no such information as of today. This has been deleted of off XXXX  and XXXX  as fraud. Look forward to hearing from you promptly.
Product: Debt collection

Around XX/XX/XXXX received several phone calls stating a letter would be delivered at my home or employer and would have to have a witness to sign. When called on same day XXXX XXXX from national debt holdings XXXX stated that they would garnish my wages if I did not begin a payment plan that day. XXXX is a payday loan not legal in my state of Arizona. They took out XXXX in XXXX and XXXX every month after until XX/XX/XXXX. They are insisting I pay more now and are threatening criminal charges if I dont pay. I checked my credit report and this loan has never been on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a medical debt that has been resolved from XXXX in the amount oof XXXX $ the debt has been paid and collection agency promised to remove
Product: Debt collection

BANK OF AMERICA XXXX I WAS CONTACTED BY PHONE FROM BANK OF AMERICA ON XXXX A RECORDED MESSAGE WAS LEFT ON MY PHONE SAYING TO CONTACT THEM ABOUT A IMPORTANT SERVICING MATTER THEY HAVE AND THE OPPORTUNITIES THAT THEY HAVE AVAILABLE TO ME. 


ON XXXX I filed a consumer complaint with CFPB CONTINUES TO CONTACT ME BY PHONE AFTER I ASKED THEM TO SEIZE FROM CALLING MY PHONE. 

HERE IS MY DOCUMENTS SUPPORTING MY COMPLAINT BELOW
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute an unauthorized inquiry on my credit report. On XX/XX/XXXX American Express pulled my credit report and noticed a credit inquiry that I did not authorize. I contacted American Express regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. At this time, I am requesting that you launch an investigation into the inquiry by American Express Name to determine who authorized it. I never authorized this company to pull my credit profile. I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 
Thanks in advance for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

My credit report shows errors and fraudulent names on my credit report! I never went by any name except XXXX XXXX. 

I would like you guys to investigate and remove all names and addresses listed except the one I provided!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

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: Debt collection

XXXX XXXX I am writing to bring to your attention an issue regarding an unauthorized and false report on my credit report by XXXX. I have never made any payments nor have I started any active phone lines with this company. This erroneous report is impacting my credit score and causing undue distress. I have proof going back 24 months showing I have never made a payment to any company other than my current mobile provider. XXXX is falsely reporting on my behalf. I need proof showing an active XXXX under my name as soon as possible. 

I respectfully request that the court take action to rectify this situation and remove the inaccurate information from my credit report.
Product: Checking or savings account

On XX/XX/2024 there was a boost offer in the app for 50 % off of XXXX if selected in the app. I selected it and it activated. I used my card online at XXXX like cashapp said to. My total purchase was {$34.00}. Cash app didnt take 50 % off my XXXX  purchase even though I had activated the offer BEFORE I made the purchase. My total with the boost should have been {$17.00}. Im seeking a credit for {$17.00} which is 50 % off of the {$34.00}. I tried messaging support in app and they wont help or listen to anything I say.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE PRIVOUS COMPLAINT XXXX IT HAS COME TO MY ATTENTION THAT IT HAS BEEN OVER 30 DAYS SINCE COMPLAINT WAS SUBMITTED TO THE CFPB. 
EXPERIAN AKA CORPERATION HAS NOT PROVIDED ME WITH ANY BONAFIED PROOF OF ANY THE ALLEGED DEBT ACCOUNTS BELONG ON MY CONSUMER REPORT. 
IT HAS BEEN WAY TO LONG THERE NO SUCH THING AS 60 DAYS WHEN DEALING WITH MYSELF AND THE VIOLATIONS THAT HAVE ACCURED BECAUSE OF SAID ENTITY EXPERIAN ASSUMED A ROLE THEY HAD NO PERMISSION TO OR CONSENT TO XXXX AT TOUCHED OR FURNISH ALLEGE DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

10 minutes ago just spoke with XXXX OF EQUIFAX UNLESS SHE IS LYING ABOUT HER COMPANY ID. 
I asked for help with online access ... the same problem I HAVE NOTIFIED THEM ABOUT FOR OVER A YEAR. XXXX SAYS SHE CAN NOT FIND MY DRIVERS LICENSE ON FILE WITH CORRECT ADDRESS EVEN THOUGH A EQUIFAX MEMBER VERIFIED THAT THEY HAD IT ON FILE OVER TWO WEEKS AGO ... 

WHY IS THIS COMPANY COMPOSED OF FOREIGN NATIONALS WHO ARE CLEARLY INCOMPETENT AND XXXX 

SHE SAYS I NEED TO SEND IN THE ID AGAIN ( BECAUSE THEY LOST IT? ) MY DRIVERS LICENSE, SOCIA ; L SECURITY CARD AN EQUIFAX MAILED RESEARCH REQUST FORM WITH IMPRINTED CONFIRMATION NUMBER, WILL ALL BE ADDED AS AN ATTACHMENT TODAY.. 

I AM ALREADY ANOTHER UNPAID VICTIM OF EQUIFAX ' DATA BREACH SUFFERING THE AFFECTS OF ID THEFT FOR YEARS NOW. 

I WANT THEM TO IMMEDIATELY CLEAR MY ONLINE ACCESS SO I CAN GET THE WEEKLY REPORTS MANDATED BY CONGRESS IN XXXX XXXX XXXX THAT EQUIFAX WILL NOT DELIVER ONLINE.. 

AS A MATTER OF FACT THEY WILL NOT GIVE OUT ANY CURRENT INFORMATION.. 

THE LATEST EQUIFAX UPDATE ON XXXX XXXX SITE FOR EQUIFAX IS XX/XX/XXXX ... IT IS USELESS AS EQUIFAX EMPLOYEES IN THE XXXX, HOWEVER MUCH I LOVE THE XXXX XXXX CONSTANT GOOD ACTIONS ... HIS COUNTRYMEN WORKING AT EQUIFAX HAVE BEEN NOTHING BUT OBFUSCATING TIME STEALERS UNABLE AND UNWILLING TO ACCOMPLISH ANY OF CONGRESS ' MANDATED DUTIES OF CREDIT BUREAUS
Product: Debt collection

In 2018 my roommates at the time took my credit card, and charged it resulting in the current charges. I had contacted XXXX XXXX to dispute and they said they were handling it from there. At the time I was still making payments on the card but then stopped once they said it was being taken care of. These charges ARE NOT mine and I had assumed everything was handled properly.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, acct. # XXXX XXXXXXXX XXXX  and ACCT. XXXX XXXX  has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Money transfer, virtual currency, or money service

Hello, As owner of company I open Wise.com account on XXXX XX/XX/2023 and require me to paid {$31.00} after paid I send them my passport and my legal business papers, I receive email that my account is full verified I have linked with my stripe to start receive money Today my account has been closed without any reason!! and they say you can complaint on this website
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sent XXXX a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent Experian a letter requesting validation for these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX It has been 30 days and I have not been notified of the status of the validation.
Product: Credit card

I had a joint Citi Card with a debt of almost $ XXXX. I have paid off this card for almost 1 year. 
However I just noticed Citibank is still reporting this debt to Credit Agency - XXXX which is killing my credit score. Please immediately have Citi Bank remove this from my Credit Report. 

This information was found on XXXXCITI {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnionA complaint also filed about XXXXCase Number # XXXXThanks, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I already submitted a complaint on XX/XX/2021 thru CFPB XXXX and I really appreciate for your quick response to my situtation with Specialized Loan Servicing. I already got a proposal from them and I am pleased that my Foreclosured got postpone to XX/XX/2021 to have time to review my situation. I got a proposal to modified my loan and to get a lower payment. But this proposal is asking for me to give upfront funds as down payment in the amount of {$16000.00} which I don't have that kind of funds. I had funds 2 years ago for a settlement. But this present time due to Covid-19 I was impacted drastically with my financials. I have no way to give that kind of funds. I really want to keep my home but need to reconsidered this proposal. If they can deferred the down payment to the end of my loan I will be able to pay the new monthly payment their offering. But their is no way I can come out with {$16000.00}. I am attaching a copy of this proposal
Product: Credit card

I requested to close my Truist credit card on XX/XX/XXXX. Recently, while I was checking my Truist online account, I noticed fraudulent charges of approximately {$50.00}, and the credit card was still listed as active. I was charged a late fee for payment as well, of {$20.00}. I immediately called and reported the fraudulent charges to Truist on XX/XX/XXXX. On XX/XX/XXXX, I received a call from Truist 's collections department asking when I would pay the {$70.00} due on my account. I informed the gentleman that there were fraudulent charges, and he said, " Oh, we wouldn't know about that. '' He said he would note it, and we hung up. Today, XX/XX/XXXX, only a week later, I received another call from collections asking me again when I would pay the {$70.00}. I said the same thing, that these charges were reported to the fraudulent department, and she said, " Oh, we wouldn't know about that, '' and " You should call the fraud department and see what the status is. '' Why aren't Truist 's departments talking to each other, and why am I being XXXX by collections?