23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX
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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : number XXXX
Product: Debt collection

Instead of deleting the account off all three of my credit files they keep updating it on my files I have disputed this account at least six times stating that the account is not mines nor do I have any knowledge of it and for them to show proof that it is mines they have not yet done so
Product: Checking or savings account

I tried to deposit a check with my phone that my sister in law signed over to me and my account was restricted and all of my funds held because they thought it was fraud. I went into the branch with my sister in law and two forms of id like they requested and my funds are still being held!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.
Product: Credit reporting

I have submitted a few different disputes to Equifax. They have not been able to accurately portray the information on my credit report. They do not have the proper credit limit for most of my cards. They are months out of date. In one instance, they deleted my credit card instead of accurately reporting the balance. Also. my husband has added me to some of his credit card accounts and they have not yet added this to my credit score/report. I have also had a medical debt collection paid and agreed to be deleted from the Equifax report. I have tried and tried to fix it, I have tried with the lending companies and with the credit bureau. This is hurting my finances and my credit health because they are not accurately reporting, it makes my usage percent look higher and my credit limits look lower and it makes my credit age look younger than it is. This in turn effects my score and my score effects my interest rates and amounts I can borrow. This is a vicious cycle.
Product: Checking or savings account

I purchased something and paid via XXXX  XXXX. I still to this day do not have the product and the bank wont go back to the company to get my money back.
Product: Money transfers

Since XXXX XXXX twice a month my wife and I send support money to her family in the XXXX via Western Union using her sister as the receiver. In XXXX XXXX my wife went home for an extended stay so I started using her as the receiver. Recently my wife moved to XXXX so I sent money to her and her sister. Without notice Western Union cancelled the transaction for her sister saying she is not allowed to receive money. When I called Western Union they refused to give me a reason. My wife 's family depends on this money, and my sister-in-law is the only XXXX with a valid I.D . If I send a money order it will take 3 weeks to arrive and might be lost or stolen. Needless to say everyone is very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal, non public credit information has been breeches by Equifax and is now on the dark web. As a result there are many discrepancies in my credit report.
Product: Mortgage

I'm trying to sell my condo in XXXX by using the VA assumption process to the buyer. The loan is currently with Freedom Mortgage We sent in the paperwork on XXXX/XXXX/2023 and I called to verify they received it the following day. They reached out to the buyer and confirmed an appointment to begin the process on XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX, they never called them. I called Freedom Mortgage and spent nearly an hour on the phone trying to escalate to whoever could reach out to them with no luck. Evidently there is no phone number to reach the Loan Assumption Department and they can only receive e-mails. 
They said they'd call within 1-2 business days and a supervisor would reach out to me as well. They didn't call the buyer yesterday or myself. This delay is potentially destroying the contract that we have with this couple which XXXX result in me being unable to continue paying the {$2600.00} mortgage for a home that I haven't lived in for over a year.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand the deletion of the following incorrect information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My car was repossessed in 2019. I never received anything from them regarding the sale of car or my personal items from vehicle The car was them sold for {$500.00} and never received my belongings from vehicle
Product: Credit reporting or other personal consumer reports

At around XXXXXXXX XXXX  I got a text message from Capital One saying thank you for giving your mobile number which was weird because I was sleeping. I wake up around XXXX and have a new notification from XXXX XXXX stating I have a new hard inquiry from Capital One in which I never signed up for. It says word for word Between XX/XX/year> and XX/XX/year>, an inquiry made by CAPITAL ONE was added to your credit report. I never contacted Capital One nor did I sign up for anything, Im worried this is someone using my info somewhere and would like this fixed asap, it also caused my credit to drop a few points. Please let me know whats going on
Product: Checking or savings account

On XX/XX/XXXX my account was opened. On XXXX  XXXX XXXX I tried to withdraw {$4000.00} from my savings account to my checking account ( and my transaction got cancelled and I called Marcus by Goldman Sachs and they told me my account was locked due to fraudulent activity and whether they can confirm my identity and they use a phone number code system but they told me that my phone number wasn't coming up in their system because I just had my number for less than three months, so they asked me if I had an alternate phone number but I did not but they said they can verify my identity with a drivers license and I was able to acquire my driver 's license by XX/XX/XXXX and when I called to use it they said it can't be used because Oklahoma driver license doesn't qualify they also let me know before I called them back on XX/XX/XXXX that I could use an affidavit of identity to get the money back but they always said I would get it in the mail but I never did I ended up having to get the affidavit of identity myself at a XXXX  which I mailed to their address which they received on the XXXX of XXXX and after multiple calles they always extended the deadline and I was so overwhelmed by the experience that I got tired. I still used to get monthly balances of the account and the last one I received was in XXXX due to moving to a different address but I recently called them which was on XX/XX/XXXX and that was the day my account got closed and moved to unclaimed funds and I called them back and they said it had already been closed due to inactivity since XXXXXXXX XXXX XXXXXXXX.
Product: Debt collection

I paid the debt already and now they are saying that I owe! And they out it in collection. Please remove item from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB, I am writing to file a complaint against OneMain Financial regarding their use of high-pressure sales tactics and potentially misleading information about application deadlines for a title loan. I believe these practices may violate CFPB rules and regulations, particularly those related to Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and the Truth in Lending Act ( TILA ). 
Details of the Incident : I recently applied for a title loan through OneMain Financial, which resulted in a hard credit pull. 
Following my application, I received an excessive number of phone calls- 5 calls within 3 days. 
During my interactions with their representative, I experienced several concerning practices : a. The representative used high-pressure sales tactics to rush my decision-making process. 
b. When I expressed needing more time to consider the loan, the representative provided ambiguous or potentially misleading information about application deadlines. 
c. The representative implied various arbitrary deadlines ( Friday, then Monday, then Wednesday ) for submitting my information, creating a false sense of urgency. 
d. Only after I voiced concerns about these tactics did the representative disclose that the actual deadline was 26 days from the start of the application. 
When confronted about these tactics, the representative denied using them, stating she never explicitly mentioned the earlier deadlines, despite heavily implying them during our conversation. 

Potential Violations : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The creation of artificial deadlines and false urgency could be considered deceptive, as it misled me about the true nature of the offer and the time available to make a decision. 


Truth in Lending Act ( TILA ) : The high-pressure tactics used may have been an attempt to rush me through the disclosure process or obscure important information, potentially violating TILA regulations.

Request for Action : I respectfully request that the CFPB investigate OneMain Financial 's sales practices, particularly regarding : The use of high-pressure sales tactics. 
The creation of artificial deadlines and false sense of urgency. 
The clarity and accuracy of information provided about application deadlines and processes. 

I believe these practices not only affected my experience but may be impacting other consumers as well. I ask that appropriate penalties be applied if violations are found, and that OneMain Financial be required to revise their sales practices to comply with CFPB regulations. 
Thank you for your attention to this matter. I am willing to provide any additional information if needed.
Product: Mortgage

I was given a rate to term out my home equity loan and I had XXXX days to lock it in. I called back on the XXXX day and was told I could not get that rate since I had made a draw online earlier that same day. The draw was from my Home Equity Line to my Wells Fargoi checking. I was told the last time I spoke to them that I could make draws up until XXXX 2015 which was the end of my draw period. Never was I told the rate would change if I made a draw. After they told me they would not honor the rate they guranteed for XXXX days, I told them I would go online and repay the draw back as it was still sitting there in my Wells Fargo checking account. They said I had given up the rate because of the draw. This all happened around XXXX on a business day so the fact that they would not let me go back to where I was a few hours earlier is evidence they were trying to switch the rate which had increased over a half of a percent. They said if I wanted to lock in it was going to be at a new higher rate even though I was still in my XXXX days they had quoted before. The last year Wells Fargo has called and written me several times about my home equtiy line maturing until the point it was border line harrasment. It even came up on the ATM screen when I used the ATM. When I agree to term out early they switch the rate. I told them several times I would reverse the draw while we were still talking on the phone but they said I forfeited the the other rate even if I pay it down to the same balance it was earlier the same day. This is unfair, misleading and deceptive.
Product: Mortgage

Since my other mortgage company transfer our account to this new Shell Point Mortgage has been only travel and issues with them and they are a big lairs, they are not honest at all every month for the last 6 of then i been having issue and we are tired, I hope so we transfer all my account to a new mortgage company soon or sooner
Product: Money transfer, virtual currency, or money service

Dear Sir, unfortunately, I have not yet received any positive responses to the topic I sent to you, which is as follows : Dear Sir, I received the following message on my email : ( ( Greetings XXXX, Im contacting to let you know that your funds will be transferred through online banking wier transfer, so kindly click the link below Main Website Link Pegasus XXXX Pegasus XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Boundarieshttps : //pegasusintb.com/ -- -- -- -- -- -- -- -- -- -- -- - Subsidiary of : BANK NAME : Pegasus Bank BANK CLASS : State Chartered - FED XXXX Bank MEMBER FDIC : Certificate # XXXX ROUTING NUMBER : XXXX XXXX Branches in Texas XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Create your personal online banking account let me know when you're done so that the bank will approve it and send you the account number Thank you ) ) I, in turn, created an account through the website that sent us the link. You have sent us the account number ( ( XXXX ) ) and created the password. Then I entered the account and found a balance in it ( {$860.00} XXXX ). I accessed the transfers through the transfer icon and found it locked, so they informed me. By sending {$700.00} first so I can transfer from my account Therefore, I would like to ask you to kindly verify the validity of my account with this company affiliated with Pegasus Bank. The account number is ( ( XXXX ) ) in the name of XXXX XXXX XXXX XXXX XXXX XXXX and then kindly contact us via XXXX or via my email ( ( XXXX ) ) and verify the validity. I hope that you will not neglect us and communicate with us. 
Important note : Dear Sir, we have been contacted on XXXX by a person who says he is from XXXXXXXX XXXX and his name is ( ( XXXX XXXX ) ) and his phone number is ( ( XXXX ) ) and he asked me to send a fee of {$700.00} in order for the online money transfer icon to be opened in the account. I would like to inform you, Your Excellency. I am able to access the account daily through the website link using the account number, password, and code sent to us from the bank Please don't neglect us Dear Sir, Your Excellency 's interest in my letter and response will be respected and appreciated. Thank you very much With Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Call : XXXX Email : XXXX XXXX
Product: Student loan

I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.
Product: Mortgage

XXXX, Wells Fargo and their servicing company, America 's Servicing Company, have refused to process and provide information regarding my Making Home Affordable mortgage modification application. After submitting my application on XX/XX/2016, with all supporting documentation and information, ASC refuses to communicate with me or my representatives about my application, and has put my property up for a sheriff 's sale on XX/XX/2016. 

XXXX and Wells Fargo are legally required to stop foreclosure proceedings while my application is considered. They have refused to do that.
Product: Credit reporting or other personal consumer reports

INCORRECT PAYMENT STATUS. PLEASE REMOVE LATE PAYMENT STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an credit card account with XXXX XXXX XXXX XXXX that was removed from my Transunion credit report. At this present time the XXXX XXXX XXXX is added back to my Transunion report,
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I haven't been able to cancel any XXXX orders. This results in those funds being reserved to cover the pending future orders, which will likely never get filled. In the past I had no problem canceling these orders and it's a common process. I attempted to reach the company via their support channel, but no response. 

The message in the little red flag that pops up is : " The provided account is restricted and can not perform this action '' but my account is NOT restricted. I can trade and withdraw without a problem. I am not the only one affected by this issue and it is costing me thousands in missed opportunities. I can't imagine how much money Gemini has locked up in fake account restrictions because I've found this exact situation described by others online but no evidence of any resolution. 

The total funds being held XXXX : {$3200.00}. I imagine other 's are much worse off.
Product: Credit card

American Express has closed my account ending in XXXX without my consent, When I called to address the issue XXXX XXXX, Manager of American Express 's internal Collections team stated that AccountXXXX has a balance of {$6000.00}. I do not have an account with a balance, let alone an account ending in XXXX. When I tried to speak with XXXX XXXX on the XXXX of XXXX, 2023 he instructed me to wait as they were investigating the discrepancies, after asking me to email a screenshot of my online account showing the one account number ( Account XXXX ) because they did not have that account in their system. 

The closure of my account and card has left me stranded and distraught. I don't have access to my credit, nor an option to remedy the situation. This is deeply disheartening and has caused XXXX and fear.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan ( SPEC LOAN SV ) is being erroneously reported to the credit bureaus. The loan was not included in the bankruptcy. I contacted the loan servicer and verified this information directly with them. The error seems to have arisen when the loan was transferred to loan servicers.