23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Here is what happened with Guaranteed Rate was dissatisfying. Here are the reasons : 1. The main reason I went with Guaranteed Rate was due rate. I was offerred 3.375 % on XXXX ARM loan, where in I had signed the paper work. A week before closing, I m told from Guaranteed Rate that I need to have 12 months reserve! Guaranteed Rate personnel - XXXX XXXX ( VP ) & XXXX XXXX ( Guaranteed Rate ) very well knew my financial position & per them, they OVERLOOKED the reserves! How can someone be so careless? All they wanted was to BAIT me to go for 30-yr fixed at 4.125 %! 
2. After changing the loan program to 30-yr fixed, I was told I would get {$3000.00} as lender credit, which showed up in GFE on XXXX XXXX 2015 in Buyer 's statement. On the closing day, XXXX XXXX 2015, the credit vanished!! Upon asking, Guranteed Rate, came back saying they are not making any money & was taken off 3. From no where, on the day of closing, I was asked to show {$5000.00} as gift as Guaranteed rate " thought '' I was short by looking at previous statements & NOT the current statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX ) {$720.00} with XXXX and Transunion and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Product: Checking or savings account

XX/XX/23 I had {$70.00} in my checking account and now it dropped without me knowing about any fees I always see my checking account going down without being notified
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I have a Home Equity Line of Credit with Citizensbank. Prior to XX/XX/2019, I was able to transfer funds from the HELOC to my checking account at Citizensbank as needed and transfer funds back to HELOC to pay down the principal at any time. The interest payments on my HELOC are auto-debited from my checking account on the XXXX of every month. On XX/XX/XXXX ( 23 days prior to my interest payment of {$71.00} being due ), there was only one online option to transfer funds to HELOC when transferred funds to bring my outstanding balance outstanding to XXXX. My account online reflected this. 
On XX/XX/XXXX, while online, I noticed that my HELOC showed a balance of the amount of the interest outstanding ( interest that was still not due until the XXXX of the month ). 
I called the bank and they indicated that 1 ) they had changed the online interface and any payment will be applied to any outstanding interest first - then principal and 2 ) the only way to have a payment applied to Principal only was to call the bank. I was never notified of this change by the bank. This is deceptive and predatory tactic by Citizensbank - as interest calculations on these accounts are based on daily balances - so this change ensures that the bank essentially earns interest on interest that they have received earlier than it is due! Please help! This is wrong!
Product: Credit reporting or other personal consumer reports

In accordance with the advice from a recent advertisement, I have obtained a copy of my credit report and have noticed inaccuracies that concern me greatly. I take pride in my responsible financial behavior and do not wish for these inaccuracies to misrepresent my creditworthiness. I kindly request the removal of the following account so that my credit report accurately reflects my history as a responsible payer XXXX XXXX XXXX XXXX XXXX Please remove this fraudulent account from my credit profile ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XXXX of 2021 and XXXX of 2021 regarding my address. I sent Equifax a copy of my lease agreement listing my current address and requested they remove the address they are reporting as it is inaccurate. As of today Equifax is still reporting an incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with both XXXX  and XXXX  regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XXXX XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 XXXX FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.
Product: Credit card

My previous case was case # XXXX. I received a letter stating the negative reporting would be removed from my credit report within 10 days. It has been more than 10 days and I now have a reporting of late payments two months in a row when I recently received a statement from Macy 's indicating I actually had a credit on my account as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

please oremove this innacurate date, this was a billing discrepancy. The bill was always paid 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 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 Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 60 days past due date Worst Delinquency 60 days past due 60 days past due 60 days delinquent Balance {$6.00} {$6.00} {$6.00} Credit Limit {$300.00} {$300.00} {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the alleged debt associated with account [ XXXX ] currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I Demand that all communication regarding this debt Cease immediately. 

It has come to my attention that your agency has been attempting to collect a debt from me, which I unequivocally dispute. Your continued efforts to contact me regarding this matter are in direct violation of federal law. 

Furthermore, According to 15 USC 1692g, I have the right to request validation of this debt. Therefore, I demand that you provide me with complete and accurate documentation verifying the validity of this alleged debt, including but not limited to : XXXX. Original creditor information. 
XXXX. Detailed account statements. 
XXXX. Any signed agreements or contracts. 
XXXX. Proof of the amount and nature of the debt. 
XXXX. XXXX of your authority to collect this debt. 

Failure to provide this validation within XXXX ( XXXX ) days from the date of this letter will be considered a violation of the FDCPA, and I will pursue all available legal remedies against your agency.
Product: Debt collection

Consumer Dispute Regarding Violation of Laws CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ) Dear Sir/Madam, I am writing to file a formal consumer dispute against National credit system regarding their alleged violations of the following laws : CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ). 

Firstly, in accordance with CFR 1006.34 ( b ) ( 5 ), National credit system has failed to provide accurate information. Despite my repeated attempts to rectify the situation, the company has not taken appropriate action to address the inaccuracies in the information they have reported. 

Secondly, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), National credit system has neglected to investigate my disputed claim within the required timeframe. I have provided all necessary supporting documentation and evidence to substantiate my claim, but the company has not fulfilled their obligation to conduct a proper investigation. 

Furthermore, as per 12 CFR 1006.34 ( d ), National credit system has failed to provide me with a written response outlining the results of their investigation and any actions taken to resolve the dispute. This lack of communication and transparency is in direct violation of the law. 

Lastly, National credit system has violated 15 USC 1681-2 ( 7 ) ( a ) by unlawfully disclosing my personal information to unauthorized third parties ( XXXX ) without my consent. This breach of privacy is not only a violation of federal law but also puts me at risk of potential identity theft and financial harm. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against National credit system for their violations of the aforementioned laws. I would also appreciate your guidance and assistance in resolving this dispute and ensuring that National credit system complies with all relevant consumer protection laws moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is NOT reporting account numbers regarding 2 accounts on my credit report. how is it possible for equifax to continue to report without such important information to help identify the accounts? without a account number these accounts are unverifiable. 

XXXX XXXX XXXX XXXX attached is a copy of my actual equifax credit report
Product: Credit reporting or other personal consumer reports

Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dispute of Late Payment Inquiries on Credit Report for Account with Select Portfolio Servicing Account number : XXXX Dear Select Portfolio Servicing Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries on my account with Select Portfolio Servicing that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported. These inaccuracies stem from incorrect reporting of payment status. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ). 

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX -- - Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Checking or savings account

The bank has not released any funds since Wednesday ( direct deposits ) it is now Friday XX/XX/year> and no deposits have been made. No one is answering customer service. No update via social media.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. XXXX Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX : {$30000.00}.
Product: Checking or savings account

On XX/XX/XXXX I used Citizen 's Bank 's automated system to check the balance in my checking account ending in XXXX and savings account ending in XXXX and noticed that {$5000.00} was suddenly missing. My access to online banking was also deactivated. After calling customer service I was told that the bank had placed a {$2600.00} hold on my checking account and {$1200.00} hold on my savings account as they were reviewing my account. I called the local branch the next day and was told the same thing and that the fraud department wasn't giving them further information. Between XX/XX/XXXX and XX/XX/2021, I had received various bank to bank funds transfers to my checking account organized by two third parties with the intention of having me send the money to others as bitcoin. One of the parties was my employer and the other was my partner. I had withdrawn and sent out all the money from these funds transfers. I knew the entities I sent the funds to and was not being scammed. 

I informed customer service I would take legal action against the bank if the funds were not returned to me. They promised me the Office of the Chairman would contact me within 2 business days at my phone number which I provided them. But I never received a call.

I contacted customer service again several times through online chat, text, and phone call to try to find out what would happen to the funds on hold. Customer service on chat told me that on XX/XX/XXXX the holds would be removed and my accounts would be credited for the funds and there was nothing to indicate the funds would be returned to their senders or my accounts closed. 
I was also told by customer service over online messenger that the Office of the Chairman had attempted to call me but my number was not in service. I provided them the number to my other phone. 

On XX/XX/XXXX I noticed my checking account information did not generate information on the automated phone system. I called customer service and was told my accounts had been closed. They had done so without notifying me. Customer service could see nothing in the accounts about the holds. But one agent called various departments and told me that the money in my accounts that had been placed on hold would be sent to mailed by check on the XXXX. 

On XX/XX/XXXX I called the customer service again and they transferred me to a supervisor who could not confirm if I would be issued a check. I called my branch and the banker told me that the funds had been returned to the senders. So now I am short of the {$4000.00} I withdrew and sent after receiving these funds transfers. I am unable to contact the senders to ask them to reissue the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through XXXX. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that XXXX and XXXX/Equifax provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called XXXX they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with Equifax and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call XXXX again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with Equifax Business Solutions, and these 75 calls that were unsolicited to a number that was not used in my application with XXXX. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.
Product: Credit card or prepaid card

Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. 

So why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. 

Capital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to timely and effectively use measures to prevent and address fraud on their platform. I believe in a victim of a data leak, in which Ive been receiving unsolicited calls and emails around the clock since last issue with Cash App. They left my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. Im seeking appropriate redress.
Product: Credit reporting or other personal consumer reports

I was enrolled in school when they reported my account. The account was paid in full, and it is too old to report on my account. It is against the law to report things on a person 's credit report that is false.
Product: Debt collection

Complaint # XXXX was filed and the attached response was received stating that it would be removed within 30 days. It has now been 68 days and the company still has not removed this item from my credit report. Phone calls have gone unreturned by XXXX XXXX and this company is obviously lying and has no intentions of removing this from my credit report although they stated they would to your bureau. This is not acceptable.