23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied : XX/XX/20 Rate Lock : XX/XX/20 Sent to Underwriting : XX/XX/20 Approved : XX/XX/20 Rescinded : XX/XX/20 I was completely upfront about the details of our situation. We paid cash for 2 homes and were looking for a cash-out refi. We were told that this would not be a problem by several employees. They told us they could close faster and were willing to match a competitors rate, so we chose them. 

After 60+ days and countless hours of work of going through the approval process, including a lock extension due to their delays, they decided to rescind the offer for the loan. I was originally told the offer was being rescinded because the loan would not qualify for XXXX or XXXX, however, when I presented evidence that the loan would still qualify as a conventional loan, they said they did not want to honor the contract because a delayed financing loan would be harder for them to sell. 

We had already been officially approved and were only days from closing. This had nothing to do with our credit, home appraisals, or financial situation. When I spoke with them, they said they were very sorry for the miscommunications, but were not willing to honor their offer. Unfortunately while waiting on them to change their mind, rates have gone up almost half a percent and I can not go back to the other lenders who were seeking to finance our homes. This has cost me tens of thousands of dollars.
Product: Checking or savings account

Filed a dispute against 3 fradulant charges with Cash App on XX/XX/XXXX. I still have not received a provisional credit and when I ask about the status of my dispute the only answer I receive back is a statement saying there is a team working on my case.
Product: Credit reporting

This is what I have written to XXXX and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections XXXX and XXXX as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Experian : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Product: Debt collection

I have inaccurate information on my consumer report A consumer report must maintain 100 percent accuracy I am federally protected and my rights must be upheld to the highest extent of the law please investigate all my complaints and deleted XXXX XXXX XXXX - Please start a re-investigation and prove that this account actually belongs to me. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX XXXX XXXXXXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 


A consumer report must maintain 100 percent accuracy and completeness having account number that are not fully being reported are a fcra violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. First Progress is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 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 has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 a open collection with XXXX XXXX with a balance of {$200.00}, a cellphone account with XXXX XXXX {$670.00}, another collection with XX/XX/XXXXwith a bal. {$910.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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, credit repair services, or other personal consumer reports

There are erroneous inquiries that I did not authorize on my Equifax credit report. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you A police report was filed, a fraud alert place on my credit report, and a case created with XXXX. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you
Product: Consumer Loan

Comenity is  harassing my phone number by calling several times in one day. When I answer and ask who is calling they do not dispose of that information. They give me their personal name and when I inquire what company they are with they will not disclose that information. They keep calling using number  XXXX  from Colorado.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in late XX/XX/XXXX. I went totally confident and left very pleased with this vehicle. 3 weeks after I had the car it rained and my car got flooded. I called service and the lady told me that it was normal because the vehicle has a sunroof. She told me to bring it in and she would have it drained. A few days later the panel indicated that my tires ' pressure was low. In a time frame of 3 weeks, I had to get 3 new tires. I purchased the 3 tires hoping that it was just bad luck that I got 3 defective tires. On XX/XX/XXXX the car started shaking on drive when I came to a total stop. I called service and they gave me an appointment for Thursday XX/XX/XXXX. I took the car in on XX/XX/XXXX. Service called me and told me that 3 mounts had to be replaced. They gave me an estimate of {$870.00} and told me that it would solve the problem She told me to call Chicago Acceptance so that they can help me finance so that I can get it fixed. I went to pick up the car on XX/XX/XXXX ( 7 days later ), and the girl from service told me that the car wasn't shaking as much as before and that it was only shaking when it was on drive. I told her that this was the reason why I brought it in the first place. She told me that it might be that it needed to have the oil drained and that would be an extra {$1000.00}. She told me that the car wasn't sending a code so they weren't sure why it was still trembling. She told me that if it doesn't stop then I should take it to a place where they fix transmissions. XX/XX/XXXX, my car is trembling violently and the check engine light on the panel is on and a wrench indicated that the car needs service. The car stopped working completely. I got the car towed to Wheels of Chicago and the owner told me that I need to pay {$5700.00} to get my transmission fixed when he told me that the vehicle came with a transmission defect and that it had a recall. He stated that he would take it to get it fixed because he had to take his XXXX XXXX for the same reason. I told him that I couldn't do that amount he gave me a 25 % off making it sound like a great option for me to provide upfront {$1100.00} or they will put my car in storage and I still have to make payments. I never once missed a payment on that car. I was paying {$600.00} + {$240.00} for insurance a month for a car that has been giving me problems since day 1.
Product: Credit reporting or other personal consumer reports

15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and this company is in violation of this law because XXXX a victim of identity theft. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection verification letter response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
( 1 ) XXXX XXXXXXXX with account number XXXX | ( 2 ) XXXX XXXX with account number XXXX XXXXSee attached document
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I logged into my bank account and noticed a {$240.00} charge to " CashApp. '' After searching around online, I discovered this was a virtual money transfer service. However, since I do not have a CashApp account, the charge was clearly fraudulent. I then contacted my bank to report the fraudulent transaction. The Bank opened an investigation and recommended I call the merchant. Upon searching the internet for the merchant 's contact information, I found that CashApp does not provide consumers with a customer support line, email service, or web support service. Furthermore, I found a deluge of complaints from people online suffering from similar instances of fraud related to CashApp. However, because CashApp offers no means for consumers to report fraud or flag a fraudulent account, the only thing victims of fraud can do is report the transaction to their bank and wait. This is ridiculous. I can not believe this company is essentially permitted to facilitate fraud. Clearly, since someone was able to open an account with only my debit card number, CashApp requires no real identity verification measures. And, since I can not flag the account or contact CashApp, the user can keep it open in my name. Please do something to put a stop to this company 's horrendous practices. 

All best, XXXX
Product: Credit card or prepaid card

I wanted to purchase a dish washer, washer, dryer, and stove and this was around when covid hit. Although they said they were not going to set them up/ hook them up, so I then said cancel the whole order. And they are still trying to bill me for the services, which I cancelled with order. They are constantly harassing me, via phone and mail, and email. But said they refuse to work with me. Now all Charges have sky rocketed, and they are hurting my credit.
Product: Checking or savings account

XXXX / XXXX /2015 Wells Fargo Bank Account Acct #   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  -   XXXX    Ca  XXXX  Soc. Sec #   XXXX   Personally went into branch and advised a customer service representative on site of the fraud to this account and the overdrawn amount that was displayed under my name.The representative agreed to have this looked into and reported the issue. Account was supposedly closed, yet I have been informed that it has been reported.
This account was defrauded from a lost check book and has now resulted in this account reported to   XXXX   XXXX   XXXX  . I am requesting that this account be removed as I am having major issues trying to open a checking account with financial institutions.
The amount of {$1100.00} should be corrected and removed from my obligation do to the fraud that I reported to the institution.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a wire from my bank ( XXXX  ) to Ally Bank customer, XXXX XXXX Acct # XXXX for {$25000.00} right the wire was sent XXXX XXXX  marked that wire as fraudulent and a couple days later closed my account for suspicious activity now that money came from the sale of my house when I moved from XXXX XXXX down to XXXX  so its can be traced. The wire was received By Ally Bank and marked as fraudulent, Ally Bank took XXXX XXXX XXXX  account maked it as fraudulent and closed it. Now I have a recording from Ally customer service that the {$25000.00} has been sent aside for investigation and now I have not heard anything about it. I have no idea when I will receive my money back, but there was no fraud going on. I had made several calls to their customer service asking them for someone contact me asking for someone to email me and they keep telling me what they cant access the account because the account belongs to somebody else but the account is closed so really doesnt belong to anybody but regardless Im not looking for information on her account. Im looking for the {$25000.00}, and I cant seem to get any answers from Ally. I have reached out to my own bank XXXX here in XXXX  and they keep telling me theres nothing they can do. We dont talk to other banks so Im like stuck in the middle here. I have no place to go. Can you please help me? PS. I still have the recording of the customer service person stating where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that doesn't belong to me. Experian is reporting two XXXX XXXX cases and a creditor called XXXX XXXX that I have no knowledge of. I have sent 4 certified letters and they keep telling me that these accounts are verified. I asked them to give me specific information about these creditors which is the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. My records show that the first letter was sent out on XX/XX/2020, second letter sent on XX/XX/2020, third letter sent on XX/XX/2020, fourth letter sent on XX/XX/2020. Experian stated that these accounts are verified.
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX   has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX  XXXX 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Checking or savings account

On XX/XX/2019, I received two separate unauthorized transactions in the amounts of XXXX USD and XXXX USD originating from XXXX XXXX XXXX, XXXX despite the fact that I reside in XXXX, FL and made prior purchases in XXXX on the same day. I promptly contacted my Bank of America fraud department as I didnt authorize the transactions and spoke with XXXX, in Bank of Americas XXXX office, who promptly closed my card and opened a claim and informed me that as soon as the charges posted, I would be extended provisional credit while the claim was being investigated On XX/XX/XXXX XXXX, I contacted Bank of America once again by phone and advised that I had not yet received provisional credit as promised and was informed that despite the prior agreement, I would not be receiving credit until the investigation was finished, but that she would request a hardship credit. 

On XX/XX/2019, I called once more to follow up on my claim and was informed the matter was still under investigation and that I would be informed by XX/XX/2019 of either the outcome of the investigation or of provisional credit. 

On XX/XX/2019, I was sent an email that the dispute was rejected without a basis for that decision. 

Upon contacting again on XX/XX/2019, I was informed by XXXX in Bank of Americas Tennessee office that the claim was rejected solely on the basis that there were no other transactions attempted on the account after the initial fraudulent transactions. I, then, requested an appeal and was informed that Bank of America would reconsider the claim, but theyd have 45 days to make a decision and wouldnt have to extend provisional credit in that time, which indicates that they may have denied my claim to circumvent the Regulation E requirement to extend me provisional credit within 10 business days of the claim date
Product: Debt collection

On XX/XX/2018, I contacted XXXX XXXXXXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!
Product: Credit card

" I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''