23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions.

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Student loan

Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Product: Credit reporting or other personal consumer reports

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 gives 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 XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I was under the assumption that the pre qualify would be the ONLY thing that would be pushed through, yet I have 10+ hard inquiries on my report from this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi so I recently filed a complaint regarding Transunion XXXX I reached out to them today as I have been trying to resolve this issue they transferred me to a supervisor which acknowledged they got my documents and complaint but still are refusing to remove negative items that I requested off my credit report that are unauthorized and unverified I made them aware that they were in violation with the law according to FCRA with them not providing the documents I asked to validate the information on my report. The supervisor specifically told me they are not required to valid anything because what Im disputing is factual information. I simply asked how can you verify something as factual with no investigation being complete so I am writing again to complain about the experience I continue to receive from Transunion. This is starting to really affect my mental health as no one is willing to assist with this matter they are failing to do this and are in direct violation with the fair reporting credit act.

U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm, physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consume who is/was factually identified as being me and only me. 
Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an FTC report to get items removed. They keep verifying it, and not deleting it. I have tried getting resolution with these creditors via certified mail, but keep getting ignored. You are committing identity theft and fraud! Delete these items.
Product: Checking or savings account

Issue : Unauthorized/fraudulent transactions Denied reimbursement under EFTA Complaint Description : I am filing this complaint because USAA failed to fully investigate and resolve a case involving unauthorized electronic fund transfers from my checking account. I am a victim of a sophisticated scam in which a fraudster ( posing as USAA ) gained unauthorized remote access to my bank account and manipulated me into transferring funds under false pretenses. 

On or around XXXX XX/XX/year>, a scammer remotely accessed my account and deposited money into it. They impersonated a USAA representative and claimed I needed to help investigate suspicious activity. I was instructed to go to my bank and move funds into a safe account, which I later discovered was controlled by the scammer. 

I reported this to USAA in a timely manner. They initially provided a provisional credit, but reversed it months later. My account is now in a large negative balance, and my pay and XXXX XXXX  are still being deposited there, leaving me financially vulnerable for weeks. 

This scam involved : Unauthorized remote access to my account Impersonation of a financial institution representative Manipulation and coercion to move funds under false pretenses These actions are consistent with documented imposter fraud and fall under the protection of the Electronic Fund Transfer Act ( EFTA ). Despite this, USAA has denied reimbursement, claiming the transaction was authorized because I initiated the transfer. This disregards the context and nature of the scam. According to EFTA, a transfer resulting from deception or unauthorized account access should still be covered, even if the victim was manipulated into initiating it.

I am requesting that the CFPB investigate this matter and compel USAA to provide a full re-imbursement of the funds lost in this fraud, in accordance with my consumer rights under federal law.

Thank you for your time and assistance.
Product: Mortgage

Our application was filled out by the lender and incorrectly. Lender would not correct the application, insisted we sign or it would delay processes. Lender would not provide rates and payment terms. Lender would consistently ask for the same income and bank statements even for the same dates. Lender was not responding to emails until settlement date was 3 days away and then they began asking for income documents again. Lender was negligent in retrieving documents we sent them. Lender had multiple agents asking us for the same documents. Lender blamed title company, blamed seller 's agent, blamed buyer 's agent. Lender would promise to work on file and get back to us but did not, several times. Lender confused prior property with current purchase. Lender would not lock in the rate. Lender selected incorrect loan type ( they listed as a foreclosure and an investment, instead of second home/vacation home. Lender 's appraiser used data and pictures from prior evaluation and used incorrect information on final appraisal. On day of supposed settlement we called president and left a voicemail. We were directed to vice president, his son. We were then contacted by three more people. Lender agreed we have a valid complaint and understood we will submit in writing. Lender assigned another agent to call us and start the process over when we were already passed settlement date for second time. One agent was an investigator who asked for documents to from XXXX ( on XX/XX/XXXX ) to substantiate lenders own processes instead of helping us. Process ongoing since XX/XX/2022 and last contact was XX/XX/XXXX. We have done our due diligence. Lender is also assuming sellers assist as payment for points which we did not agree to paying. We merely wanted to know what the difference in payment would be if we paid a point vs XXXX points. Lender refused to communicate rates and P & I on closing disclosure. Lender also would not provide access to company portal and made us send our income documents and all other documents through email. Lender also emailed us someone else 's correspondence, which we deleted per law. We have already paid out of pocket for contractor 's repairs per inspection results and still did not settle.
Product: Credit reporting

The account I am disputing is over 7 years old and should be removed. XXXX and XXXX have deleted it, Equifax refuses.
Product: Money transfer, virtual currency, or money service

PayPal failed to put out annual notices Monthly as required in the EFT or electronic funds transfer which states the ETFs can not be returned. PayPal along with customers are in direct violation, which I have a fee schedule in place. This automatically makes PayPal liable for the fees attached to my name which is trademarked. My Social Security number, which is secure on the UCC PayPal needs to pay the fee schedule immediately Or a new class action lawsuit will be filed
Product: Mortgage

I applied for a mortgage loan through SouthState Bank with a grant from taking a Georgia Home Owners online course. I was approved at {$860.00} with a monthly net income of {$1900.00}, but was assured with Homestead Act, it would be lowered. I provided 20 % down payment and this is why SouthState Bank approved my loan. I discovered that my grant was actually a forgiveable loan and I couldnt qualify for Homestead Act for one year. After my first payment in XX/XX/2024, my payment increased to {$930.00} and I discovered I must remain in the home for 5 years as a requirement of the {$12000.00} forgiveable loan. I called SouthState and accused them of hiding an escrow issue AND that {$930.00} was too high. I was told that I was borderline, but when I researched mortgage payments, there is a 28 % - 35 % guideline which would be {$610.00} - {$760.00} at the most. 

I am XXXX yrs old, XXXX and on Social Security. I believe that SouthState approved me with no actual chance of my making payments. I have had to get {$300.00} - {$700.00} extra per month for living expenses ; food, utilities, medical, gas, insurance, internet, etc. This extra came from family members and my meager savings. 

I am requesting to sell the home early, before I lose EVERYTHING and move back near my daughters so I cant be cheated again. I dont want to pay interest on the {$12000.00} and I would like reimbursement for the difference between a payment that MATCHES my income and the exorbitant amount of {$930.00}.
Product: Money transfer, virtual currency, or money service

I was in a authorized push scam. they pretended to be someone my husband went to school with. and showed me her ID and everything. she asked for XXXX to help and double our money. this would only take XXXX minutes. well needless to say they never gave me my XXXX because they had upgraded me to a higher amount. and that i had to pay for those tax fees this went on until my payment was XXXX dollars and they took XXXX from us. then they wanted me to buy gift cards and send them the cards numbers then they wanted me to set up a cash app account so i did and they walked me through how to send money through that and then they wanted me to send money through zelle. and then the bitcoin machine and i had no idea what a bitcoin machine was or where to find XXXX at. then she gave me her administration ( XXXX XXXX ) who claim to be with XXXX and he had .multiple phone numbers there are also different wallet ids for the scammers also. I had a lawyer call me and told me if i gave them XXXX dollars they would give us XXXX XXXX the head of finance for XXXX  called me his name is XXXX XXXX. and tried to get money from us too. they took everything from us. I went to the bank and the bank told me that yes we were scammed but they couldnt give our money back because of the way it was pushed scammed from us. which is completely unfair to us. I do have a voicemail from the lady at the bank telling me that they found a solution to our problem and when i called her back she said that we are not getting our money back. then scammers told me they cant help me if i dont help myself!!!! i am sending all the files i can that will allow me too but if you need more please let me know i have all the evidence from the scam.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} US DEPT ED # XXXX XX/XX/XXXX -- {$1400.00} US DEPT ED # XXXX XX/XX/XXXX -- {$6700.00} US DEPT ED # XXXX XX/XX/XXXX -- {$7100.00} US DEPT ED # XXXX XX/XX/XXXX -- {$2300.00} US DEPT ED # XXXX XX/XX/XXXX -- {$640.00} US DEPT ED # XXXX XX/XX/XXXX -- {$4800.00} US DEPT ED # XXXX XX/XX/XXXX -- {$2400.00} US DEPT ED # XXXX XX/XX/XXXX -- {$2100.00} US DEPT ED # XXXX XX/XX/XXXX -- {$7800.00} US DEPT ED # XXXX XX/XX/XXXX -- {$400.00} US DEPT ED # XXXX XX/XX/XXXX -- {$5600.00} US DEPT ED # XXXX XX/XX/XXXX -- {$1100.00} US DEPT ED # XXXX XX/XX/XXXX -- {$810.00}
Product: Credit reporting or other personal consumer reports

Upon my pulling of my credit reports i noticed that there was accounts that were not mine.
Product: Debt collection

I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act
Product: Money transfer, virtual currency, or money service

Hello I am disputing the decision from Discover from the case XXXX Submitted XX/XX/XXXX. I am attaching all the declines made by Discover to XXXX in the day of request of XX/XX/year>. It was declined various times see attached 5 times from Discover and I even spoke to a rep on the XXXX for 18 minutes regarding this issue see attached screenshot of conversation that day XX/XX/year> at XXXX. The technician even said he did not know why Discover bank does not do Money orders with XXXX, this recording can be retrieve as part of the investigation. He said this was an issue with Discover and XXXX. I want my money back that I never got. I have attached the text on my phone from Discover declining all the time all transaction and the phone calls placed to Discover the day of incident and the remaining other month disputing. Nothing was ever approved nor given
Product: Credit reporting, credit repair services, or other personal consumer reports

Several people have access to my credit report and are using the information to ruin my credit
Product: Mortgage

XXXX XXXX was the guarantor for my mortgage received by Bank of America. Recently, I did a XXXX XXXX  lookup information. I called both XXXX XXXX  and was told that my guarantor changed. I called XXXX XXXX and was told that they are not guarantor. When I called Bank of America requested why the guarantor changed and requested that I be provided with the new guarantor information ; Bank of America denied my request. In addition, Bank of America advised me that by law such information did not need to be provided to me.
Product: Debt collection

On or about XX/XX/XXXX car was deemed a total loss On XX/XX/XXXX Exeter agreed payoff for XXXX contract was signed Between XXXX Gap paid XXXX On XX/XX/XXXX XXXX XXXX sent Exter a check in the amount of XXXX. Exeter is reporting negative and inaccurate information to all 3 credit agencies. I want this to bemoan
Product: Credit card or prepaid card

CiTi Best Buy Credit Card - Late Fees & Interest Fraudulent Practices. 

First and foremost, Citi Best Buy Credit Cards make it nearly impossible to speak with a human, outsourced call centers and horrible connections are the norm. If and when you actually speak with a human, the difficulty to comprehend a normal conversation is a task all it self. Normal hold times to resolution is over 40 minutes if you can get calls escalated to a non scripted human. 

The CiTi Best Buy Credit Card has implemented a scheme to defraud customers through challenging roads to navigate paper billing. The CiTi Bank Best Buy Credit Card Fraudulently provides XXXX XXXX XXXX on monthly paper statements that are different than addresses the payments should be sent. The " XXXX game '' of moving XXXX XXXX XXXX triggers late payment fee charges in the system due to customers sending payments to addresses that are seemingly invalid. Over a period of XXXX weeks my family made multiple payments to the XXXX XXXX XXXX provided on the monthly statement sent to our home ( the same address provided by CiTi Best Buy ). 

The Scheme entails CiTI Bank Best Buy to access late fees by informing the customer payments were not received on time. The scheme typically goes unnoticed unless you check you billing statement each month. Once the late fees are accessed to the customer, CiTi Best Buy Credit Card customer service is unable to waive late fees as they utilize the excuse of USPS ( postal Service ) delays in physical mail is not " their " problem. However, by providing a Fraudulent XXXX XXXX to the customer the checks do arrive in time but are not collected by CiTi Best Buy, CiTi Best Buy does not provide resolution to customers, after 15 calls and multiple emails there has been zero resolution. We simply send checks via online banking to the XXXX XXXX provided. If it's the incorrect address the billing statement should in fact provide the proper address. The shell game went unnoticed by our family until a forensic review of statements sent by CiTi Best Buy was uncovered. 

Imagine the monthly late fees being collected by the millions of customers? The shell game and lack of empathy is incredibly below standards of a publicly traded company. The only response I have received is that I have to call customer service which is just a circular process of never ending telephone Holds. I was informed that they do not have the ability to make outgoing calls or the ability to respond to my concerns. So a company on the XXXX XXXX can't make outgoing calls or contact it's customers? We are closing the account and I hope that we can help families who may not know about these Fraudulent practices that deceive consumers through this statement XXXX XXXX XXXX game. Be safe and be aware of your billing statements.
Product: Mortgage

Wells Fargo is my servicing bank. I noticed them that our loan will be resetting in XXXX and needed help. 
After sending all the info they requested they denied us a modification. We were not asking for a modification per say. In our hardship letter we ask for help with a refinance so we could continue to live in our home until property values improve in our neighborhood. 
Their are XXXX foreclosure in our neighbor and nothing is selling. 
Our home is considered a luxury home and this size home are not selling as this time. 
Wells has help us in the past, since we purchase the home in 2007. We have honor our agreement and have not been late, all taxes and insurance are current. We have not deed but Wells Fargo said we have asset we can sell, true but that is our retirement. That like telling us to take money out of our XXXX. 
The could if they chose too give us a refinance but they are making a lot of money off our loan. In XXXX our loan will increase XXXX XXXX dollars. Payment will go to over {$8000.00}. The only option they give me is a short sale. We put {$700000.00} down on this house and would like to sale when we can get some of our investment back. 
I have ask the bureau for help in the past but receive very little help. 
My desired resolution is for Wells Fargo to simple refinance our home for a XXXX arm at 3 % interest. This would give us time to sell and pay down our loan. 
Thank you for your time. 
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX