23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home located at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. My loan officer was XXXX XXXX, Branch Manager, NMLS # XXXX with XXXX Mortgage Services. On XXXX/XXXX/15 XXXX provided me with an initial Good Faith Estimate, for an interest rate of 4.375 %, and total settlement charges of {$21000.00}, including a loan origination charge of {$4200.00} and charge points for interest rate chosen totaling {$2600.00} This estimate, as stated on the XXXX page, was good through XXXX/XXXX/2015. Since closing was going to be later, and XXXX was unable to get me the specific interest rate, he sent me a new Good Faith Estimate on XXXX/XXXX/15. This Good Faith Estimate, which was the final GFE sent to me, had an interest rate of 4.625 %, and showed total settlement charges of {$15000.00}, including a loan origination charge of {$1500.00}. This interest rate was good through XXXX/XXXX/15 and the estimate for all other settlement charges through XXXX/XXXX/15. We were scheduled to close XXXX at XXXX a.m. The night of closing XXXX sent me a preliminary HUD with all estimated closing costs. The closing costs were completely different than those listed on the final GFE, including a loan origination charge of {$4200.00} and charge points for the specific rate chosen, totaling {$6800.00}, a difference of {$5200.00} which they said I had to pay or they would withhold closing and I would be out my initial deposit for the house, which was over {$8000.00} and they would not fund my house. As stated on the XXXX page, these are fees that can not change from the final GFE. You will notice on the XXXX page there is a discrepancy. All morning my real estate agent and I were on the phone with both XXXX, and XXXX XXXX, the representative XXXX, trying to get this straightened out. Finally, after over 3 hours or arguing and speaking back and forth with XXXX my real estate agent XXXX XXXX, they took off {$2600.00} from the loan origination fee. They still kept on the charge points totaling {$2600.00}. XXXX threatened saying if we did not close we would be out our money, so we decided to close, but are still very upset that we had to pay the charge points for the specific rate chosen, 1. because we did not get that rate - our rate was 4.625 %, not 4.375 %, which if we were given that rate, would have warranted that additional charge. 2. Because the amount was different than that shown on the final GFE. We are owed that money, and want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXX OF XXXX, # XXXX ; Account XXXX XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX  XXXX # XXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 information is inaccurate.
Product: Checking or savings account

I made a money deposit and transfer from Chime to my bank account on XX/XX/XXXX. It is now XX/XX/XXXX and that money is not in my account. Ive called chime several times and they continue to hang up on me. The transaction records are not in my account anymore either. This seems very fishy to me. The transaction was for {$2000.00}. I need that money asap. If I do not revive that money in my chime account by end of day in XX/XX/XXXX, I will be moving forward with a lawyer.
Product: Checking or savings account

I reported my card stolen to the local police on XX/XX/XXXX  XXXX on XX/XX/XXXX  I reported lost to the bank. Some how they allowed a transaction on that same card to go though on XX/XX/. I have called the bank and resolved this situation and they are saying I had the physically made a purchase in store. because the purchase was made inside of the store with the card that I reported lost and stolen by the police. They also allow the company to over charge my account after I sent documents over provide what I owe to company
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX, a representative with Columbia Debt recover dba as Genesis, to discuss an attempt for debt collection. XXXX XXXX explained that the balance due was from an apartment community I had lived in. I requested documentation of said charges. Which he provided. I explained that the balance was erroneous and I did not owe any debt. From XXXX through XX/XX/XXXX I have received different documents stating different balances. Two documents are in the same form but with major inconsistencies. One document is signed by the community manager from the leasing office. My balance due on that documents is {$13.00}. The other document states a balance of {$860.00}. That document is not signed. I have emailed Columbia Debt Recovery in an effort to resolve this issue. But they have failed to return my calls or emails. This debt has been reported on my XXXX credit report. 

I can provide documentation if needed.
Product: Credit reporting or other personal consumer reports

Im requesting a deletion for both of these accounts. These are un unauthorize account. I reached out to the creditor and they agreed to delete both accounts. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX  and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint  does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my Bloomingdales card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Product: Consumer Loan

I sent many emails to zoca loan requesting they not draft my account on Friday XX/XX/XXXX. I received no response. Today, they drafted my account without my authorization. They did not respond to any of my emails sent.
Product: Checking or savings account

I have a reoccurring transfer from Capital one checking to XXXX. All of sudden Captial one will not let me access the account for the transfer to go through. Says Capital one is blocking it
Product: Credit reporting or other personal consumer reports

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my XXXX credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

IRS states they deposited {$3100.00} check in my account on XX/XX/2022 in my checking account. I never received it. The IRS HAS been tracking this check and XXXX XXXX hasnt responded for the 9 months.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX Equifax verified and an validated this account XXXX XXXX XXXX XXXX after reinvestigation. Equifax failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Equifax had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that Equifax states that the last payment was XX/XX/XXXX both are inaccurate this account is still reporting inaccuracies after reinvestigation which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to XXXX and TransUnion Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. They have also failed to comply with the Fair Credit reporting act section 605b which requires the XXXX XXXX to remove any accounts aninformation that resulted due to identity Theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

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 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 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 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 or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECURITY FREEZE
Product: Credit reporting

I filed a chapter XXXX in XXXX which ended up getting dismissed because they never told me i had to turn in my actual tax refund. i received a call from them in XXXX of XX/XX/XXXX after XXXX saying I was in default due to their neglegance. When I made my payments for XXXX years never missing a payment. I had my XXXX hearing in XX/XX/XXXX they said they changed the info about my tax refund in XX/XX/XXXX without my knowledge. The lawyer wanted me to put approx XXXX into my bankruptcy as debt owed when in reality it was not and it would have made my payments go up as well so they went to court to modify and they just decided to dismiss it because I did n't think that was fair to me. They went to court without notifying me and just left a voicemail that the bankruptcy was dismissed. Therefore they dismissed their contract without my knowledge so I disputed that the bankruptcy was in error because I should not be penalized for that. That lead me to getting on a payment plan for parking tickets after 2 years this was the initial reason I filed a chapter XXXX to get my license back for court. At that time I was advised that I had to put my car into the banruptcy. When the bankruptcy dismissed I tried to pay the car out for XXXX dollars they said that was not enough. I went in XX/XX/XXXX or XX/XX/XXXX to trade the car in they offered XXXX at rogers auto group and they denied the payment and said I owed over XXXX dollars which was fraudlent. I owed about XXXX when I went into bankruptcy they paid a little less than XXXX dollars to the XXXX finance and out of trying to work with them they said I had to give them XXXX to keep the car and continue to pay XXXX mthly so I gave the car back they sold the car at the auction for XXXX less than what I offered and the trade in amount. On the deficiency letter it said amount owed XXXX which was correct they sold the car for XXXX and left a smaller balance now as of XX/XX/XXXX or XX/XX/XXXX these people added another sierra accont for over XXXX when they sold the car in XX/XX/XXXX I sent the letter in from sierra to all three credit bureaus and they refuse to delete the fraudlent items. how can I owe more money? The letter clearly stated I owed XXXX something but even with that they put a fraudlent account of over XXXX I have been disputing this since XX/XX/XXXX. Im frustrated and I am ready to sue because its wrong. Can you please look into this get it deleted and let me go on with my life. I called XXXX I emailed them and they still will not correct so once I sent it in XXXX and white they should have deleted the items. I have copies but I can not attach them from my work computer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # CLQTSD, 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 an account with out my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ant information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear Sir/Madam, I am writing to follow up on my previous letter dated XXXX, regarding the dispute of the debt being reported by your agency on my consumer report. As of today, I have not received any response or acknowledgment of my dispute from your agency. 

I would like to reiterate the urgency of this matter and emphasize the importance of complying with federal regulations regarding debt validation and consumer rights. It is imperative that your agency provides the requested validation information and proof of licensing and bonding within the allotted timeframe of 30 days, as outlined in my previous correspondence. 

Failure to respond to my dispute within the specified timeframe will leave me with no choice but to escalate this matter further to ensure my rights as a consumer are protected. This may include filing complaints with relevant regulatory authorities and pursuing legal action if necessary. 

I urge your agency to take this matter seriously and provide a prompt and thorough response to my dispute. Please acknowledge receipt of this letter and provide an estimated timeline for when I can expect to receive the requested information. 

Thank you for your attention to this matter. I look forward to resolving this dispute in a timely and amicable manner.
Product: Vehicle loan or lease

I have reached out to Ally Bank on multiple occasions concerning an account that has my name on it. ( Account XXXX ) I have NOT opened any Auto loan with Ally Bank. I've called the customer service line with no resolution. I've been told that I can not speak on the account because the account is in bankruptcy. I have not filed for bankruptcy and requested that this account be removed from my credit file. Ally Bank will NOT speak to me concerning the account because of a bankruptcy status. The account shows on my credit report as Charged Off in the amount of {$20000.00}. I request that this account be investigated, removed, and my credit profile restored. I have never signed any paperwork with Ally Bank for any vehicle.
Product: Checking or savings account

Banks website malfunction cause my checks to be sent into a wrong bank.
Product: Checking or savings account

This terrible awful bank decided to close my debit card without even notifying me. On, XX/XX/2020 I requested via phone call that checking ending in XXXX and savings ending in XXXX be closed. The remaining balance should have been sent via ACH transfer with completion no later than XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/18 I received notification from my credit monitoring that numerous inquires were being reported on my credit file. 

I had in fact visited a car lot and told them that I would be back with copies of my paycheck stubs and other items that they had requested. They advised me that they would not be able to run my application without this information. After leaving the dealership, I decided that now was not a good time for me to purchase a car. I contacted the sales person and advised them that I was no longer interested. The sales person maliciously ran hard inquires on my report numerous times without my permission. 


XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX Permissible Purpose : INSURANCE UNDERWRITING Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Confirmed Identity theft items confirmed as ID theft by creditor are still being reported by Experian even though multiple 605b block request were received. XXXX and XXXX have complied, but Experian continues to report fraudulent items and refuses to investigate. 

FCRA 605B only allows for credit bureaus to deny a 605b block for " reasonable '' assessment of the request. Considering that the identity theft has been confirmed by law enforcement and the negative items were removed by both XXXX and XXXX. Experian is clearly in violation of FCRA section 605b.