23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I foreclosed on my FHA home loan in 2012. I was not approved for the harp refinance program. Although, citimortgage received government funding to assist struggling home owners. I should have qualified but they made it difficult for struggling homeowner to get assistance. 

I reached out several time and filed a complaint. Then, I received a letter requesting document to be signed and returned within two weeks. The letter had a contact number listed to call for questions and information regarding the documents. I have called the number several times and have not been able to get assistance with these document they are requesting. I have spoke with several Citimortgage employees who are unable to assist me with these document and the department they came from will not answer the phone or return my calls. 

This is an example of how citimortgage makes it difficult to refinance and get assistance with document they are requesting.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove it.
Product: Credit card

I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account.
Product: Checking or savings account

I have been charged over {$800.00} in overdraft fees this year. From XXXX I have been charged 9 overdraft fees totaling {$300.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX, # XXXX, XXXX XXXX, {$370.00} Account Name : XXXX XXXX, # XXXX, XXXX XXXX, {$270.00} Account Name : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX Account Name : XXXXXXXX XXXX, # XXXX, XXXX XXXX, {$620.00} XXXX looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consume, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete the item or information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company notified of adverse information in credit report from 5 years ago in the form of unpaid debt of roughly {$100.00} in former home electricity account, contacted XXXX Texas by phone who informed they don't see a debt, per own records account was paid and closed in 2016, was able to file dispute with XXXX only, dispute with TransUnion online service did not go through after 10 attempts, XXXX online service did not allow access to online service and dispute.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX, specifically regarding my account with them, Account XXXX : XXXX. I have experienced a significant issue related to this account, which has negatively affected my credit report. 

I recently discovered that an account from XXXX XXXX has been reported on my credit report, and it is negatively impacting my credit score. To my astonishment, I have received no prior notice or communication from XXXX XXXX concerning any debt associated with this account.
Product: Credit reporting or other personal consumer reports

My credit report has errors connected to 15 USC 1681c-2, showing inquiries I did not authorize. These mistakes are harming my credit. Please remove all unauthorized hard inquiries.
Product: Money transfer, virtual currency, or money service

I attempted to get a loan from Lending tree. I got a call and they said they were Lending tree, they asked for my information and proceed to do the loan. They would deposit money in my account and ask me to send some back with a bar code at XXXX. They did some mobile deposits in my acct, {$480.00}, {$480.00}, {$820.00}, {$820.00}. The amounts came out as Deposit Item Returns and were withdrawn from my bank account. Two days later I realized that I was scammed and informed my bank. After I informed my bank 3 more Deposit Item Returns came in, {$920.00}, {$920.00}, and {$920.00}. I believe that when I informed the bank that they should have frozen my acct so no more withdrawals could come in, but they did not. Can anything be done?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, XXXX Inquiry : XXXX. XXXX, XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Product: Vehicle loan or lease

Since I bought the car in XXXX of XXXX  I have had constant issues with them updating my credit report.. made numerous complaints.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was trying to keep up with payments and to work out any means possible.. they came on XXXX with no XXXX and repossessed the car.. says I am owing XXXX payments.. I was trying to make XXXX payments so they had a credit of XXXX also but does not credit that until other half is made.. was told one amount to get car back .. cgot extension and now they are telling me another amount {$2000.00} more.. I had an {$18000.00} loan and have been paying on it for over 6 years.. something is not right ..this is a very unethical conpany
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Account -XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose
Product: Mortgage

I have been working on my new home mortgage with the Gershman mortgage company. I have been working directly with branch XXXX XXXX XXXX. We have been working on this loan for more than XXXX weeks. We started the loan application and then she asked me for all the documents needed to begin the process. Before we started I mentioned that I had school loans and asked her if that would affect me in getting a loan through them. She indicated it wouldn't affect as long as I'm not paying anything right now, I let her know that I wasn't because I was currently still in school and I won't graduate until XXXX of XXXX  and that the loan repayment would start XXXX  months after graduation. She asked if I can get the loan information and I sent that to her. Weeks passed and she didn't mention anything about it anymore. Then XXXX XXXX comes she called me about XXXX times to ask me for Insurance for the home and started to mention that now my school loan was affecting my debit yo income. But that she was still trying to see what they can do. Since I was trying to get the home insurance already I went to the home insurance company I chose and got it then she called me stating that she was trying to see if I could rent the home until I can get a total of about {$21000.00} for the closing. The closing was already on XXXX XXXX and she had already made me sign paperwork and on XXXX of those documents it stated my closing costs which was {$8400.00}. I think she should have explained all this before and should have not lied about the loan not affecting. I asked her if I had any other choices and she said only come up with the rest of the closing costs or if I wanted to close this mortgage. I right away said close it because that was a lot of closing money and that's not what was in the beginning and I advised her that was not ok how she went about it.
Product: Money transfer, virtual currency, or money service

I received a VISA debit card in the mail yesterday XX/XX/2025 for my CASHAPP account. The problem is that I have never signed up with CASHAPP. I looked only and the only way to create an account is by providing my name and SSN. 

I believe someone used my SSN to create a CASHAPP account. I would like to block this card and look into someone using my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed fraudulent inquiries on my credit report. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have asked for verification of contracts or relationship with these companies and Equifax is unable to provide such evidence.
Product: Credit card or prepaid card

Purchased the XXXX  XXXX XXXX XXXX scheduled for XXXX XXXX for XXXX dollars from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and was informed at XXXX via email from the company that the XXXX XXXX XXXXXXXX XXXX has been cancelled by the hotel ( XXXX XXXX XXXX  ). I contacted the hotel early in the morning to be told my reservation was cancelled due to non payment from XXXX XXXX or its affiliates. This message is also on the hotels website ( XXXX XXXX XXXX ). Company policy states any monies received from the customer attending the event will immediately go to lodging, etc., which was never properly executed by XXXX XXXX  or its affiliates, which ultimately resulted in XXXX XXXX XXXX cancellation of my reservation as well as hundreds of other customers. 

I contacted the credit card company XXXX XXXX XXXX XXXX  ( Comenity Capital Bank ) informed them of the fraudulent situation executed by XXXX XXXX and kindly requested disputes for all charges made to XXXX XXXX, and the Comenity Capital Bank denied my request for dispute due to date of transaction. I feel this is fraudulent transactions which should constitute dispute of these charges. The other credit card company I used for payment to XXXX XXXX  allowed the dispute due to the fraudulent transaction. I have documentation of the fraudulent transaction from company and XXXX XXXX XXXX. 

XXXX XXXX XXXX cancellation message XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I started using SENDWAVE APP to send money to myself in my own checking account in XXXX. I did a total of XXXX transactions : DEBIT XX/XX/XXXX Sendwave XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXX MA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sendwave XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX All transactions sent from XXXX account in XXXX was successfully delivered to the my XXXX  account, but then on XX/XX/XXXX I received a message from my XXXXXXXX XXXX in XXXX telling me that SENDWAVE contested the money and all the transactions was sent back to them. 
Since XX/XX/XXXX I've been calling Sendwave asking for the money to go back to my XXXX  account. After a number of calls to Sendwave on XX/XX/XXXX, they finally returned XXXX out of XXXX transactions back to my XXXX  account, but for some reason that no one can explain they did not refund two transactions which was : DEBIT XX/XX/XXXX Sendwave XXXX MA XX/XX/XXXX XXXX DEBIT XX/XX/XXXX Sendwave XXXX MA XX/XX/XXXX XXXX I call them few times a week, everytime the person who I talk to do not understand what I am talking about, they always tell me they will pass this to the supervisor to call me back, I wait 2 days and nothing, no call no refund. 

I am so drained and upset with this situation, I had no ideia SENDWAVE can just take money from people like this. I need help. 

I can provide all the documentation necessary, I have both bank 's statements and the info of the the transactions.
Product: Credit card or prepaid card

A payment was made via check to the banks name with the last four digits of the account number on the front of the check, and cashed, funds withdrawn from the checking account, but payment was never applied to the account.
Product: Debt collection

Received a bill in the mail from ON LINE INFORMATION SERVICES stating I have an outstanding debt from XXXX XXXX in the amount of {$470.00}. I called to dispute their claims since I have NEVER been to Texas or created any bill from there. The first time I called, I was abruptly hung up on but, the second time and a different lady was a bit more informative and led me to this service. Please take care of this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX  on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

Trans Union is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX is reporting hard inquiries without a permissible purpose for XXXX   ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person sh
all 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: Debt collection

I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.
Product: Mortgage

My second mortgage was purchased by XXXX XXXX XXXX in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to XXXX XXXX XXXX the balance on my loan reset to XXXX and my additional principal payments made ( clearly intended to go towards principal ) on loan were applied to interest. I've called multiple times with no resolution and receive a different answer each time. I also submit disputes through the CFPB, but in the response letters no one answers or the number is wrong. Loan Care is  servicing the loan and will not assist with correcting the issue. My balance for this month is even doubled! They keep telling me that this is an interest only loan and any additional payment made will go towards interest. In the note it clearly states that I can make prepayment and they'll be applied toward principal. I spoke to my closing attorney and previous lender. The attorney reviewed the note and stated that prepayment can be made to reduce the balance. I am requesting that Loan Care research my prepayments on the old loan and adjust the new loan balance. I am also requesting that the payment amount be corrected before I make another payment. This is my last attempt before I file a claim with my local court and seek damages.I have made an extensive communication trail and find this to be unacceptable. Old Account ( before transfer ) -  XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by Loan Care. Please read the entire note and addenda. It states PREPAYMENTS CAN BE MADE TO REDUCE THE PRINCIPAL BALANCE. YOU MUST READ THE ENTIRE NOTE!
Product: Checking or savings account

I checked my account and noticed unauthorized transactions that totaled up to {$4500.00}. I instantly called chase bank and filed a claim. The specialist stated that I needed to show proof so then I spoke to another specialist and they noticed that there were atm withdrawals coming from a different states only minutes apart so he noted the strange activity on the claim but it was still denied. 

My debit card must have been compromised because I used it on XX/XX/XXXX @ XXXX XXXX in XXXX, NY XXXX XXXX XXXX XXXX and an unauthorized withdrawal was made on XX/XX/XXXX @ XXXX XXXX, location XXXX XXXX XXXX XXXX XXXX , NJ XXXX. 

I dont understand why my claim is being denied because it is impossible for me to get from New York to New Jersey in under 10 minutes.
Product: Credit reporting

I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX