23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have emailed and faxed the authorization to XXXX XXXX XXXX  multiple times over the past month and XXXX XXXX XXXX  claims they have never received it even though we have talked to multiple people, and been given multiple and different fax numbers and email addresses.

*****There is a FORECLOSURE AUCTION IN TWO DAYS AND XXXX XXXX XXXX IS REFUSING TO SPEAK TO US AS AN AUTHORIZED THIRD PARTY********* Today, we spoke to a manager who supposedly gave us her personal fax and assured us she would call uW back the moment she received it. Guess what??? -- -- NO CALL BACK FROM MANAGEMENT EITHER. XXXX XXXX XXXX has been playing this Authorization Game with us for over a month. Seems the only way they will acknowledge receipt of our authorization is to file a CFPB complaint, so here it is.

I expect XXXX XXXX XXXX to be fined appropriately for this purposeful deception and fraud. If the CFPB or any other government entity would like a full and complete list of the multitude of issues we have with XXXX XXXX XXXX on EVERY SHORT SALE FILE WE HAVE EVER HAD WITH THEM, they need only to ask.

I expect this authorization to be attached to the file IMMEDITAELY AND WITH NO FURTHER DELAYS OR EXCUSES!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all inf

ormation pertaining to the account listed above 100 % accurately. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.
Product: Checking or savings account

Hi there, I opened a new checking account with Wells Fargo on XX/XX/23. I XXXX {$25.00} from my account at XXXX XXXX to Wells Fargo for initial deposit. Today my Wells Fargo account receive my payroll, so I sent XXXX {$300.00} back to my XXXX XXXX. When I was on XXXX on Wells Fargo app, I selected " Send '' and my name came up. I thought Wells Fargo XXXX recognized my profile from receiving my money last time, so I selected my name without noticing that the last 4 digits of the tel number is one digit off. After a few minutes I checked my account at XXXX XXXX and was concerned because I did not receive money. I went back to my Wells Fargo account on the app and noticed that the last 4 digits of tel number is off and saw the name " XXXX '' was the person who enrolled with XXXX using my name. I called Wells Fargo to dispute. They started investigation and told me that they will let me know the result in 10 business days. I truly believe that Wells Fargo XXXX function are being compromised. My account is only 3 days old and someone has an ability to compromise my name using tel number exactly almost my number but just one digit off to create a profile using my name. I did call this person and got a voicemail with the name XXXX but she did not respond and sent me money back. I attached a snapshot from Wells Fargo XXXX for your information. Note : My name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I recently received alert through XXXX that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has XXXX different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.
Product: Mortgage

Applied for a XXXX XXXX and they forgot to include my large down payment on the loan. This further delayed my loan process and because of this I was advised to go the conventional loan route to speed up the loan process. Paperwork was filed and they waited till the week before our scheduled closing date to schedule the appraisal. They delayed another two weeks, then waited till the week of closing to finished the paperwork to send to the underwriter and contacted me to give them the number to contact my HR and verify employment ( which I gave them already ). Now, they are refusing to release the VA case number associated with the loan. Without this, my new lender can't initiate a XXXX XXXX  unless Freedom Mortgage releases it. Loan officer XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with TransUnion and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with TransUnion that I was 120 days, XXXX that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Product: Credit card

I had 2 one year same as cash purchases. They took my payment to current purchases and applied it to the promotional offer, leaving with a balance for current purchases and changing me interest on that. There letter admits they violated federal law but said they cant correct the issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), a mortgage loan opened at XXXX XXXX  via XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Product: Vehicle loan or lease

On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.
Product: Mortgage

Loancare is our mortgage servicing company, who we have paid our mortgage to, on-time since the beginning of our loan. Loancare has failed to pay the property taxes on our home for over a year. The delinquent taxes have now gone to the county attorney who is threatening to file against us in court to take away our home if the taxes arent paid. We have been trying to get loancare to pay the taxes since XX/XX/2020 to no avail. They are basically holding our escrow money hostage and are delinquent on the tax payments. We have called over 30x, sent countless emails, sent the tax bills via digital pdf and certified USPS mail, still no payment made. We need help. We need loancare to release our funds or pay our taxes, plus the penalties, interest, bureau fees and attorneys fees from the county.
Product: Debt collection

On XX/XX/2013 I went into XXXX XXXX XXXX hospital after receiving a XXXX XXXX XXXX XXXX. I went in and received approx XXXX  XXXX. I went to the counter to finish everything up and was asked for insurance. 

I had no insurance at the time and said I was paying out of pocket. The lady asked if I was a XXXX  and I said yes. She said XXXX  get a discount and I said ok cool. The total was {$420.00} and I paid it with my XXXX XXXX. I have the XXXX  transaction to prove that is what I was charged. 

Months later I received a collection totalling {$1200.00} from a collection agency. The hospital never sent me notifications. Why would a hospital do this? Is this common practice or a mistake? The point is that I paid for services on the date of the transaction yet received a collection for services never performed. 

This has been a nightmare and is not fair. Now Nation Wide Recovery Systems is after me for XXXX dollars and nobody seems to listen. Hopefully you guys can help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized or misleading items, linked to my profile. 
XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Spring Oaks Capital due to their ongoing illegal practices and grossly inaccurate reporting on my credit file. Attached is documentation from the original creditor confirming that the balance they recorded differs significantly from the amount Spring Oaks Capital continues to report. A settlement has already been reached with the original creditor, and I do not owe Spring Oaks Capital anything.

Despite repeated notifications and complaints, Spring Oaks Capital has failed to correct these inaccuracies. This company has ignored its legal obligations, and its actions reflect a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX, the sole credit reporting agency allowing this erroneous information to appear on my report, is equally complicit in perpetuating this harm. 

The impact of this account 's continued presence on my credit file has been devastating, causing undue emotional distress and financial hardship. My attempts to resolve this matter for over a year have gone unanswered, leaving me no choice but to escalate this issue further. 

I am prepared to pursue litigation against Spring Oaks Capital and will involve my attorney to ensure this matter is addressed. I will also hold XXXX accountable for allowing inaccurate information to remain on my credit report, despite being notified of its inaccuracy. I have an extensive paper trail of complaints and evidence that will be presented in court, and I am confident the ruling will be in my favor. 

Attached to this complaint are : Documentation from the original creditor verifying the correct balance and settlement. 
Proof of the inaccurate balance reported by Spring Oaks Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I dont have specific dates. This showed up on my credit report, initially, I reached out but each time, the company gave me the run around, no one was ever able to provide specifics or details regarding this debt. I assumed it must have been an error and let it go but time after time it shows up on my credit report and the balance keeps getting higher. None of their representatives are able to provide precise details for what or when or how I owe this amount. XXXX shows {$3100.00} while Transunion shows {$3100.00}. The dollar amounts dont match up and I have no idea what the address for this charge. 
Ive lived in the same house for 12.5 years and my bill is current and lights are still on. Please advise what address this is owed to and if no address can be provided, please have it removed from all of my credit reports. The account number is XXXX on both XXXX and Transunion, however Transunion shows as acct type open account while XXXX shows as a collections account
Product: Checking or savings account

On several occasions over XXXX, my ex boyfriend stole my debit card out of my purse while I was asleep or at school and withdrew the following amounts without my authorization. 
XX/XX/XXXX - {$200.00} XXXX {$200.00}, {$200.00}, {$150.00} XXXX {$300.00}, {$260.00} Wells Fargo did not send me any fraud alert text message, they did not email me about the withdraw, and on XX/XX/XXXX I logged into my account to XXXX my landlord for rent and realize my account balance was very low. I was confused and called Wells Fargo to see what was going on, and then i realized that I did not make a bunch of withdraws from my savings account. They credited me my money back several days later, and then they took back the credit they gave me. They are now refusing to give me my money back even though my ex boyfriend stole it from me.
Product: Credit card or prepaid card

On XX/XX/2023, a fraudulent transaction in the amount of {$2100.00} was shown on my Bank of America MasterCard credit card account with number XXXX XXXX XXXX XXXX. 
I did not authorize this transaction and the card was always present with me physically and never handled over or authorized to use by anyone. 

Accordingly raised a Fraud claim with Bank Of America on XX/XX/2023, and Bank of America opened a Fraud dispute claim ( Claim Number : XXXX ). 

Also filed a police complaint with XXXX Police department the same week with complaint Case # XXXX and an Identity Theft report with FTC Report Number # - XXXX. 

On XX/XX/2023, Bank of America denied the fraud claim saying incorrect information through I did not initiate the fraudulent transaction. 
This was not expected, since even though I mentioned to the Bank of America XXXX department that this transaction is fraudulent and not at all authorized by me, Bank of America incorrectly denied my claim Requesting help in this matter to resolve this fraud claim, and issue the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My license was never suspended in XX/XX/2022 I am the victim of identity fraud my ss has been stolen 5 times
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called XXXX XXXX financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX XXXX, I wired {$100000.00} into my Robinhood account and transferred {$40000.00} via ACH. I used some of these funds to purchase cryptocurrency on the Robinhood platform. I then attempted a small crypto withdrawal to my external cold wallet. Shortly after, on or around XX/XX/year>, Robinhood restricted my account, citing unusual activity. 

I promptly submitted all requested verification documents, including my government-issued ID, a live selfie, and a bank statement. Despite multiple follow-ups and emails to Robinhood customer support, I have not received a clear explanation of why my account remains restricted or when it will be lifted. 

Because of this restriction, I can not access or transfer my funds or cryptocurrency, causing me financial strain and preventing me from managing my assets. Robinhoods app continues to postpone the estimated resolution date, and my requests for a clear timeline or further instructions have not been adequately addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

lending club is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX. This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from lending club, I never applied for a loan with lending club and I am DEMANDING LENDING CLUB REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING LENDING CLUB STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.