23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received information regarding a streamline refinance with Freedom Mortgage. Everything was approved and closing was scheduled for XX/XX/XXXX. Since I pay my payment bi-weekly and the XXXX payment wouldn't be completed until the XXXX, I was told to wait until XX/XX/XXXX to complete my closing. I was also assured that my automatic payments would be stopped after the XX/XX/XXXX payment. I was never informed that I needed to go in and stop the payments. I asked this on several occasions. Well my loan closed on XX/XX/XXXX and funded to the account on XX/XX/XXXX. I looked at my account and saw that the ACH had not been cancelled out yet and I took the steps to cancel it myself. I received an email that day that it the cancellation had been processed and no further payments would be taken. On Monday XX/XX/XXXX a payment of {$670.00} was withdrawn from my checking account. I called customer service and was told that I needed to submit a copy of my bank statement to initiate a refund. I could not submit a printout from my online banking system, but the actual statement, which does not come out for several weeks. I attempted to contact Customer service through XXXX and was told to send an email for them to review the account. I was contacted this morning by XXXX XXXX who told me that I have to wait 15 days and a refund will be processed. I asked why I have to wait 15 days when they took the money immediately, when they were not supposed to take anything. She was condescending and blamed me for not stopping the payment sooner. She then told me to contact customer service again. She is the most unprofessional one I have ever talked to at Freedom Mortgage and she should not have a place in any customer facing department. I am now waiting on the return of my money which could be anywhere from 15 to who knows how many days. I inquired about who was going to cover my other bills while I am waiting on these funds to be returned, and again I was blamed for the issue. Very unprofessional.
Product: Credit reporting

I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which XXXX  denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
Product: Credit card or prepaid card

M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX XXXX from XXXX, XXXX XXXX. 

First XXXX XXXX XXXX sent XXXX XXXX to my bank account which is XXXX XXXX on XXXX XX/XX/2024. 
The Confirmation Code is : XXXX. 
( Still, I didn't receive this ). 

So, she ( her email : XXXX ) tried to send XXXX USD again by filling in my bank information accurately, and testing whether the money transfer went right into my bank account. 
The Confirmation Code is : XXXX. 
( Still, I didn't receive this one too ). 

I contacted my XXXX XXXX, they said no money transactions were coming to my account. 

Can you please what was the problem with this money transfer? 
Please let me know the solution as soon as possible. 

Thank you for your time. 
Warm Regards, XXXX XXXX XXXX
Product: Mortgage

I was in negotiations for a short sale with my orignal loan servicer, XXXX. Initially I had applied for a modification but then decided it might be best to do a short sale. While negotiating, the lender had a sheriff sale date of XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that my loan was being transferred to Selene Finance and that I would have to begin negotiations with them when they officially became the Servicer ( XX/XX/XXXX ). Upon the loan being transferred, Selene wasn't open to negotiating since it takes time for them to upload the loan into their system ... I was told it would take 1 week minimum. In the meantime, the Sheriff sale was pushed back to XX/XX/XXXX and I am short for time to either get a modification or a short sale done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please demonstrate that the following inquiry appears correctly on my report : XXXX XXXX XXXX, XX/XX/2018. Otherwise, remove, in accordance with my Federally protected civil rights.
Product: Credit reporting or other personal consumer reports

I applied for auto insurance, and XXXX companies requested my credit info, I was denied Insurance. Well when Transunion gave them the info they only gave them a credit report with one credit card on it. XXXX. 

I have a mortgage, a car loan, and several credit cards. On XXXX XXXX pulls my credit report from trans union they list all of the correct accounts except the XXXX XXXX account. 

So they have me with XXXX different accounts, even though I verified the SSN, name and address are the same on ALL accounts. 

They refuse to fix this and it is causing a serious issue, I've been denied insurance due to their failure. If they can't do stuff properly, they should not be in this business, the other XXXX reporting agencies, don't have this issue! 

I have copies of my credit reports, printed on the same day one provided directly from them, and one provided from XXXX XXXX- they do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was XXXX  to the country, I was so happy that I got my XXXX  and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Product: Credit card or prepaid card

I purchased a secured in the amount of {$200.00} on XX/XX/XXXX. I closed the account in good standing on XX/XX/XXXX and wanted my money refunded to me. They sent me a letter saying my account was closed with no mention of my refund. They said it takes 10 weeks and refused to give me my money. They then said I could send a letter in the mail to them so they could expedite the check in the mail so it would come in the mail to me in 7 days. I see it mentions on their website about sending a letter requesting a check to be expedited where it mentions about a {$19.00} fee but they told it me it was free. I did not send a letter because I was scared they would take the fee out of my check that they would send. I went on to the XXXX  website and saw numerous amounts of complaints and reviews saying that people have never seen their money and that this company is a scam. I am terrified I will never see my {$200.00} again. All I want them to do is send me a full refund in the amount of {$200.00}. If they are a legitimate company they can count this complaint as my letter and send it now expedited for free as they claim in the full amount of {$200.00}. That is how I want this complaint resolved.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXXXXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with a collection account on my TransUnion credit report. I have contacted the collection called XXXX XXXX XXXX XXXX of Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted Trans Union and spent over an hour on the phone with being transferred XXXX times to XXXX different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with Trans Union led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt Trans Union to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is bogus, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.
Product: Credit reporting or other personal consumer reports

This is my 19th 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Experian ) Account # XXXX ( 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I dont know when this account was opened I know sometime before XX/XX/year>. This account was opened by someone that wasnt me they then went into my unemployment account and changed the account that my direct deposits were being sent to and changed it to this fraudulent savings account opened without my permission so that my unemployment deposits would get direct deposited into that account after a total of {$10000.00} was deposited I think it was 2 separate deposits but could have been 3. Then they changed it back to the account that was originally on there. I called this credit union and tried asking when the account was opened and when the money that was deposited into the account was withdrawn and from what location it was withdrawn from and they refused to give me ANY info in regards to this account even though it was an account under my name and I had the account number and could provide all and any documentation they would need to prove that I was in fact the person whos name was used to open that account but they refused and wouldnt tell me what I could do to resolve this huge problem I was having.
Product: Credit reporting or other personal consumer reports

I sent this letter to PORTFOLIO RECOVERY ASSOCIATES. They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974.
Product: Debt collection

On XX/XX/XXXX, I applied for an apartment at XXXX XXXX  in XXXX, WA. I put down a {$300.00} deposit to hold the apartment while my background check was being done. A few days later, I was told by XXXX that I was denied the apartment due to my credit and was told that I would get the deposit back " in a few days ''. 

XXXX XXXX : - {$300.00}. 

On XX/XX/XXXX, after contacting XXXX about my deposit on multiple occasions and getting nowhere, I contacted my bank to dispute the charge and the {$300.00} was returned to me. 

Current Balance : {$0.00} Approx. end of XXXX/beginning on XX/XX/XXXX, I received a check in the mail from XXXX for {$300.00}. 

Current Balance : + {$300.00} On XX/XX/XXXX, my bank reversed the initial charge and gave XXXX back the {$300.00} that was held in dispute. This should have zeroed out the account and no one owes any money to anyone. 

Current Balance : {$0.00} However, on XX/XX/XXXX, I was contacted by IQ Data International saying I still owed {$300.00} to XXXX. I responded to IQ Data via the internet and provided proof of my payment. IQ Data replied by a mailed letter stating that the debt was still valid and they " will not be conducting another investigation of the dispute. '' On XX/XX/XXXX, I disputed the debt with XXXX and provided the same information and proof that nothing was due. On XX/XX/XXXX, XXXX said the " debt was valid '' and refused to remove it from my account. 

I called IQ Data to attempt to settle the discrepancy but the person on the phone refused to listen to anything I said other than wanting me to pay for it. When I asked about the dispute, she told me it was another department. When I asked to be transferred, she hung up on me. I believe IQ Data is trying to fraudulently obtain money from me even though they know as well as I do that the debt was paid and never overdue. Their tactics are predatory and their letter stating they " will not be conducting another investigation '' even if I provided mountains of evidence and information should also be investigated in its own right.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; ATTYGENERLXXXXXXXX Balance : {$42000.00} ; ATTYGENERL XXXXXXXX Balance : {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, & account # XXXX, # 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of this account is in violation of the FCRA for the following reasons : 1. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. 2. ) This debit is being report as a payment. Charge- offs can not be reported as payments. 3. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my Transunion and XXXX credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX XXXXXXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the XXXX. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.
Product: Debt collection

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this FIDELITY CREDITOR SERVICES account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even though they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that was generated the original balance is {$1400.00} but as of this writing, it is now reported to be {$1900.00}. As far as I know, I never agree to any terms and conditions for this reporting nor I did not agree to any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in the right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damages consumers rights.
Product: Credit reporting or other personal consumer reports

My identity and information was used without my consent and without my knowledge. Please remove the inquiries from XXXX XXXX XX/XX/year> START AUTO FINANCE XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX