23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I notified Transunion on XX/XX/year> that I am a victim of identity theft. Transition responded that the fraudulent items per the FTC report were verified. I would like for Transunion to send to me how and what method was used to verify that the fraudulent items belong to me and that I had anything to with any of it. I did not authorize nor did I open the fraudulent accounts Transunion is also listing addresses on my credit report that are not mine as well. I only have one address. XXXX XXXX XXXX XXXX NY OTHER ADDRESS REPORTING IS NOT MY ADDRESS ALL OTHERS SHOULD NOT BE THERE
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/XXXX by XXXX, Automobile dealer, Transunion on XX/XX/XXXX by XXXX XXXX, XXXX on XX/XX/XXXXby southcst Automotive. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Product: Credit card

I am writing to file a formal complaint against American Express regarding the Delta Gold Card promotion that I participated in. I believe there has been a failure on the part of American Express to fulfill the promised promotional offer. 

On XXXX, I applied for the American Express Delta Gold Card with the understanding that, upon spending {$2000.00} within the first 6 months, I would be entitled to receive XXXX bonus miles and {$300.00} cash back if I made a XXXX purchase in the first 6 months. I am writing to express my dissatisfaction and frustration as, despite meeting the spending requirement promptly, I have not received the promised bonus miles and cash back. 

I made purchases, particularly airline tickets through delta, an I have well exceeding the required {$2000.00} within the specified timeframe. Despite my efforts to resolve this matter by contacting American Express customer service on multiple occasions, the issue remains unresolved. I have spoken to numerous agents, and each time I am assured that the bonus miles and cash back will appear on my next statement. Unfortunately, this has not been the case, causing significant inconvenience and frustration. 

In my most recent conversation with an American Express agent, I was offered an additional XXXX bonus miles as a gesture of goodwill while I wait for the original offer to be fulfilled. While I appreciate this gesture, it does not address the core issue, and the delay in receiving the promised miles and cash back has adversely affected my travel plans, specifically my XXXX trip with my family.
Product: Debt collection

I canceled my account with XXXX and had a line ported to XXXX. I was just told that they can not cancel a account when porting a number. I was never told this until this month and have talked to XXXX multiple times since I called and canceled my account XXXX of 2018. Also I have a voice message stating I owe XXXX after they looked in to my account which is one of the mistakes I have been trying to tell them. Diversified consultants is reporting on my credit report that I owe XXXX which is false. I dont owe anything. XXXX was misleading and used their policy to keep me from canceling my account by not telling me I would have to call back after the number ported over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am personally reaching out to you that there are inaccurate filings on my credit report. In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names, and Account # 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 XXXXXXXX All these account have violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than even years.

15 U.S.c. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate.

This inaccurate information is preventing me from the ability to attaining new credit cards, or a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive been having someone trying to open accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents below includes the following. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX Equifax : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with XXXX & Equifax. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Product: Student loan

I still have not received the correct one-time IDR account adjustment on my loans. I have a letter in writing from Aidvantage dated XX/XX/XXXX that I had at least XXXX qualifying payments toward forgiveness before the one-time IDR account adjustment. I should have had many more qualifying payments even before the one-time IDR account adjustment and I was told to wait for the IDR adjustment to take place. Now after the IDR adjustment was made on XX/XX/XXXX ; I still do not have the correct credited payments I should have as now I am only showing XXXX qualifying credited payment. I only received one additional qualifying payment with the IDR adjustment which is totally inaccurate. I was lied to once and told to reconsolidate loans in order to receive the corrected IDR qualifying credited payments. How long must the wrong continue? 

I should have received over XXXX qualifying payments after the one-time IDR account adjustment and I should no longer owe any money for my student loans. In fact, I should receive a refund for the payments I made in XXXX to Aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking on my credit report and came across this error listed on my credit. 

XXXX continental finance  XX/XX/2020 is showing on my credit report and Ive never taken anything out from this company. 
Please review and remove from my account. Thank you
Product: Debt collection

I filed a complaint against this company once before I asked that the company send me an itemized bill and verify of the cost of the service of the vehicle from the auction following the repossession of the vehicle I was sent the itemized bill but no auction receipt etc to prove that the car was sold at the price the company said it was I was not contacted even though the company stated it did contact me Because I am XXXX and on fixed income and under no circumstances can I pay for the debt I requested a form 1099 C to forgive debt that is within consumer law Below is my personal monthly award letter from Social Security XXXX showing my income and that I have no means to pay this debt If I dont get the 1099 C that I requested then I will have to file bankruptcy because this debt is hindering my financial stability of providing self employment for myself and being able to seek financial assistance for that self employment establishment
Product: Mortgage

On XX/XX/year>, Fay Servicing responded to my complaint # XXXX. However, they have yet to address my primary concern regarding when and why my FHA loan was purportedly converted to a conventional loan. At no point did I sign or agree to any change in the loans terms, nor was I notified of such a conversion. Without my explicit agreement, the loan you currently manage is not my original loan, as I did not authorize or initiate any conversion from FHA to conventional terms. Rebranding this loan with a new loan number and claiming it as conventional, without my consent, constitutes identity theft. 

The discontinuation of FHA insurance does not equate to a conversion of the loan from FHA to conventional terms. The FHAs 601 Accelerated Claims Disposition ( ACD ) program, also known as the Joint Venture or Note Sales Program, does not automatically convert an FHA loan into a conventional loan. Instead, the ACD allows FHA to sell delinquent loans to private investors to resolve these loans outside FHAs insurance framework. Once the loan is sold, it no longer carries FHA insurance, and the investor can then explore various outcomes, such as loan modifications or even foreclosures, based on the terms of sale and neighborhood stabilization requirements. 

However, this sale to an investor under ACD does not constitute a refinancing process or imply that the loan has been converted from FHA to conventional. For a loan to become conventional, a formal refinance process must occur, where new loan terms are explicitly agreed upon between the borrower and the lender, and FHA insurance is formally removed. The ACD program is designed to provide flexibility in managing defaulted loans but does not inherently alter the loan type from FHA to conventional. 

The Distressed Asset Stabilization Program ( DASP ) similarly provides FHA the ability to sell severely delinquent loans to investors who aim to stabilize the property and neighborhood. This program allows investors the flexibility to offer borrower assistance programs, such as principal reduction or interest rate limits, to help avoid foreclosure. However, DASP does not convert an FHA loan into a conventional loan ; it simply transfers ownership, allowing the new loan holder to assess modification options as part of stabilization efforts. 

For further details, the HUD website and related program fact sheets provide an in-depth explanation of both the ACD and DASP programs and the responsibilities of investors under these programs. 

Your response lacks a specific timeline, justification, or documentation evidencing my consent to this alleged conversion, which remains central to my inquiry. I request this documentation and reiterate that no consent has been given to rebrand or change the loan to conventional terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX
Product: Mortgage

I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXit was sold to XXXX XXXX XXXX their sister company..it 's not with Wells Fargo ... .nothing but stress and years of them taking advantage of me..
Product: Credit card

There was a charge for XXXX XXXX on my card. I tried to dispute it on line but was told to call the XXXX. I was transferred between4 different departments, made three seperate calls, asked to verify myself on each occasion and when they told me they were replacing my card for the second time, I expressed my disappointment for doing so without permission especially, since they did the same thing last month. I asked them to log a dispute but then they said they could not verify me and I was to call them from my office. I will cancel my card after making a final payment and trying once again to get the disputed charge remove, but am writing confirm everything I found on line aobut Citcard to be true : Many people consider the Citi card dispute process to be " awful '' because it can be frustratingly difficult to resolve disputes successfully, with complaints often citing long wait times, unhelpful customer service, and a tendency for Citi to deny legitimate claims, even in cases of fraud or clear errors ; essentially, many find the process of disputing a charge on a Citi card to be cumbersome and frustrating.

Key points about Citi card disputes : High denial rate : Some users report that Citi frequently denies disputes, even when presented with strong evidence, leading to frustration and a perception of unfair practices.

Complex process : Navigating the dispute process can be complicated, often requiring multiple calls and documentation, which can be time-consuming for cardholders.

Customer service issues : Users often complain about long wait times and unhelpful customer service representatives when attempting to resolve a dispute.

What to do if you have a Citi card dispute : Gather evidence : Be sure to have all relevant documentation, including receipts, statements, and communication with the merchant, before contacting Citi.

Contact customer service promptly : File a dispute as soon as you notice an unauthorized charge.

Be persistent : If your initial dispute is denied, be prepared to escalate the issue by contacting a supervisor or reaching out to the Consumer Financial Protection Burea
Product: Credit card

On XX/XX/XXXX2025, I attempted to make a purchase with my credit card to qualify for a {$200.00} bonus cash reward, as stated in the bank 's mobile app : " Spend at least {$1000.00} on net purchases by XX/XX/XXXX2025 and get {$200.00} bonus cash rewards. '' However, it had already expired. I have screenshots documenting this discrepancy. Upon noticing this issue : 1 ) On XX/XX/XXXX, I contacted the banks customer service and submitted a ticket request regarding the issue. 

2 ) On XX/XX/XXXX, I received an email from XXXX XXXX XXXX  and called back the same day but was directed to voicemail. I followed up with an email and continued calling daily during business hours but was unable to reach a representative. 

3 ) On XX/XX/XXXX, I finally received a callback, but due to poor connectivity, the issue was not resolved. I immediately called back multiple times and left voicemails, but again, my calls went unanswered. The bank has not followed up since. 

4 ) On XX/XX/XXXX, I called to follow up on the ticket request status and the bank rejected the request. 

Despite numerous attempts, the bank demonstrated not only misleading advertisements and poor customer service but also ineffective and inefficient process management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a home loan. The loan company pulled my credit report and provided a copy to me. DiTech Financial LLC, whom I understand is one and the same as my former XXXX XXXX  holder on my former house, XXXX XXXX XXXX, reported my former first mortgage for property located on XXXX XXXX XXXX XXXX as " Foreclosure Paid ''. This is an error that is adversely affecting my credit score, my ability to get a loan and the interest rates that are available to me. XXXX XXXX was paid in full on X/X/2016. See attached Closing Statement. It is correct that the house was a short sale and in pre-foreclosure ; however, DiTech was paid in full and there had been no foreclosure hearings, judgment or auction. XXXX XXXX XXXX held the second mortgage and was the bank that was " shorted '' and not fully paid. Yet, XXXX XXXX XXXX properly filed a Satisfaction of Mortgage and reported the account as settled less than full balance and " Paid. ''
Product: Mortgage

This complaint is in reference to case # XXXX and # XXXX which have been closed due to resolution. This case is not closed due to the fact that they stated that the reason the PMI on my loan should not be taken off is because this is a second home. When we purchased the home XXXX years ago it was, but we live in the home 100 % now. This is our primary home which meets the requirements of 80 % balance of the original value of the original sale price. The company has been coming up with reasons to not take off the PMI and coming up with bogus numbers to not take off the PMI. Why doesn't someone reach out to me before they send a " supposed resolution '' to CFPB? We still fall under the Federal Homeowners Protection Act and I will follow this complaint with the company until I get my just due. I want the PMI taken off of our loan due to the fact that we meet " ALL '' the qualifications to remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an alert from my bank concerning a new inquiry from Discover. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called XXXX to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from Discover ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a Discover Card in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to Discovery ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.
Product: Credit card

On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXXXXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and XXXX XXXX of this
Product: Credit reporting or other personal consumer reports

I called TransUnion yesterday to get a copy of the outcome of my disputes that were completed on XX/XX/2024 the representative told me that they couldnt not send me a copy through the mail. She also told me they dont have it anymore.
Product: Payday loan, title loan, or personal loan

I was approved after they ran my credit twice then all of a sudden after a few hours they came back with some XXXX excuse she said call me in a week and we can close it out well I found out in a week it was to late they told me to reapply so I did and again I was approved took another hit on my credit and a few hours they changed their mind again blamed it on underwriting said its because I just applied 2 weeks ago even though they told me to reapply I feel like I was played when I spiked to the manager and asked her to call underwriting she agreed but I work at a XXXX hospital I can tell when people are playing games. She didnt really call them one main financial XXXX XXXX XXXX is one big joke that play games with peoples credit and they do not care because they arent held accountable for their actions