23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are returning Quicken Loan customers with an approved refinance w/cash out loan. We were refinancing an existing QL loan and were approved in XXXX. 
We closed the loan on XX/XX/XXXX. Through no fault of ours, the documents never made it to Quicken Loans. My Quicken Loan 's online account stated the fund transfer would occur by XX/XX/XXXX. We checked both our Mortgage online APP - Rocket Mortgage and our bank. Our Rocket Morgage online account had nothing new - no notice of what was happening so long after a loan closing. It continued to state the transfer would happen XX/XX/XXXX. Two weeks after the XX/XX/XXXX closing, we accepted that Quicken Loans was not working on the transfer issue. A day or so after our call, Quicken Loan told us the paperwork never arrived. Then they started working on the issue.

We were offered a reclosure on XX/XX/XXXX. The reclosing stopped because around XX/XX/XXXX, because our contractor ( roof ) of the projects the loan was helping to finance, filed their Notice of Commencement 13 or 14 days after we closed.

Quicken Loan sent notification that the loan was being canceled because there was a NOC filed. No offer, no contact at all regarding working with us due to their lack of monitoring their final part of closing - transferring the funds.

We really do not understand why Quicken Loans is satisfied to put the customer in a precarious and possibly disastrous position when something goes wrong with their processing that they only become aware of weeks after the client closes. Contracting for our projects to begin more than 2 weeks after the closing is not an unusual practice. It is stunning they caused all of this problem and have no offer to assist.
Product: Debt collection

all credit agencies reporting fraud, under age during time account opening and outdated accounts not my mines and never done business with companies : " DISCOVER FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX '' ... .REMOVE ALL FROM FILE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

A joint vehicle loan was paid off on full as a trade in by the XXXX main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Product: Credit card or prepaid card

My credit card with USAA was falling behind in payments. At one point, I got a letter about how much was past due that mentioned a special debt solutions payment plan. I called USAA and enrolled in this payment plan. Under the payment plan, I would pay $ XXXX/mo. After 4 consecutive months of making these payments, my account would be brought current. The first payment was made in XXXX. I have, however, continued to get letters about my account being past due even though I have made every monthly payment at least through XXXX ( not sure if XXXX came out yet ). That makes 7 months of making the payments. My account is due according to the payment plan I entered into with USAA. I attempted to call previously about a month ago ( XXXX ) to straighten it out. The woman with USAA was n't much help and wanted to talk more than listen. After explaining the plan several times, she finally understood and said she would make a note for the debt solutions team to fix it. Yet I 've still gotten letters. Tonight, I called again after getting a letter dated XXXX XXXX. XXXX answered. I explained the situation. She looked into it. She came back and explained that there were two payments made in addition to the $ XXXX monthly payments. Because these two payments were for less than {$190.00}, they counted as an insufficient payment for the payment plan and reset the months needed to bring the plan current. In effect, I paid too MUCH on my balance and was therefore past due. This is obviously a problem caused by automation and not how the plan is supposed to work. XXXX at this point became unhelpful and stonewalled any attempt I offered to resolve the situation. At one point, she asked what I wanted, to which I responded " I would like my account that is current in reality to be reflected as current in your system. '' Her response was that 1 ) she could n't do that and no one else could, and 2 ) my account was NOT current. At no point did I raise my voice, become abusive, or curse. She finally offered to transfer me back to debt solutions so they could look at it ( even though I knew they would n't be able to do what I wanted ). I said sure. She transferred me supposedly to them. I have been transferred to them before and the wait was never more than 5 minutes. I remained on hold for another 35 minutes before my phone shut down.
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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, has violated my rights . 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures 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 paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of 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 the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I received my final check # XXXX from XXXX XXXX XXXX XXXX in the amount of {$4300.00}. 
On XX/XX/XXXX, I deposited the check at the ATM machine at the XXXX Nevada Branch of Wells Fargo Bank. 
On XX/XX/XXXX, I received an email stating the check was returned to Wells Fargo Bank and the reason was refer to maker. I also received a call from Wells Fargo Bank Fraud prevention, stating that this check, along with not being endorsed, had been altered. The lady I spoke to put me on hold, verified the check was good and deposited the funds into my account. The amount was now showing in my balance. 
On XX/XX/XXXX, I went in person to the XXXX Branch of Wells Fargo Bank to find out what was going on, and was informed that due to this check, my deposit availability was suspended, and my account was set to be closed on XX/XX/year>. Furthermore, I was going to be labeled a high risk for something that had nothing to do with me. 
I then withdrew all the available funds out of my closing account. Im told they were following their policies to close my account. According to the branch, I will have to move all my accounts to another financial institution.

I have been banking with this Wells Fargo Branch for nearly XXXX years. I have never had any major issues. I am very disappointed with the level of decorum used with us considering the banking relationship that we thought we had with Wells Fargo Bank. To put this kind of hardship on myself and my family is unimaginable, not to mention the financial disruption, and embarrassment this has caused us. It has been a huge inconvenience! It feels as though we are being discriminated against by Wells Fargo Bank for this incident that was not even our fault, but the fault of my ex-employer.

This type of situation brought upon us by Wells Fargo Bank not only forces us to seek a different financial institution, but also re-initiates our " length of banking history. Im afraid it will deeply impact our ability to take out a new business loan with a new financial institution, that we would have taken out with Wells Fargo Bank ( as we had a long-term relationship with this financial institution. ) I am also told ( and I pray that this is not true ) that this action taken by Wells Fargo Bank may also affect any accounts that we may open in the future. I also pray that this action does not affect our reputation in the small town that we live and work in, and will soon be opening a business in.

In closing, I would like to ask Wells Fargo Bank for a specific written response as to why exactually this check was declined, and for what specific reason. The emailed letter was very generic.

I would also like a follow-up from The Consumer Financial Protection Bureau as to the resolution to this matter, and its correspondence with Wells Fargo Bank .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to TransUnion several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : US Dept of EducationXXXX, XXXX XXXX  As well as the incorrect address of XXXX XXXX XXXX XXXX XXXX, IL XXXX I have never lived at this address. I have been a resident of my current address for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Debt collection

On XX/XX/XXXX I checked my credit report because and I saw that my score had dropped and noticed that I had a collection debt added to my report for an unpaid account form XXXX XXXX, XXXX. XXXX XXXX, XXXX, AZ in the amount of {$3200.00}. On XX/XX/XXXX, I received a letter from XXXX XXXX, see the original amount on letter {$2000.00}, at which time I informed them that I do not owe this debt and that this is the first time I that I learned of this debt from the XXXX XXXX XXXX XXXX! I learned that they have purchased the unpaid maintenance fees from the Timeshare - The XXXX XXXX  XXXX XXXXXXXX  XXXX XXXX, on XX/XX/XXXX and placed me in collections on the same date. The original contract with the XXXX XXXX  XXXX XXXX was paid in full on XX/XX/XXXX. I started the proceedings to file chapter XXXX on XX/XX/XXXX and was discharged in XX/XX/XXXX at which time I did not reaffirm the XXXX XXXX XXXX Timeshare which would have discharged me from all obligations to the XXXX XXXX  XXXX XXXXXXXX  XXXX, XXXX. I obtained the phone number and tried contacting XXXX XXXX again, and left messages and no one has called or contacted me. I contacted XXXX and XXXX to report this and filled a dispute against this creditor on XX/XX/XXXX. On XX/XX/XXXX, I received an answer from XXXX stating that they contacted the creditor and the collection will stay on my report, they will not remove it. I would like some help removing me from collections and have this creditor not do this to me again and also, removing this negative account reported on my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I deposit a Western Union check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} MO # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. XXXX XXXX stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to WU. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called XXXX XXXX again on XX/XX/2022, explaining what WU sent me. 
The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a manager or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers MO # XXXX Amt {$500.00}, MO # XXXX Amt {$50.00}, and XXXX XXXX Amt XXXX. Please have the fee waived on all 3 money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.
Product: Mortgage

I tried to apply for a loan modification and tried to get all the papers in that I needed to on the required dates but I was denied by wells fargo and they foreclosed on my home and took all my land away from me. I believe I am owed money for the settlement
Product: Debt collection

I got a call from National Credit System Inc. ( XXXX ) about a debt that they were attempting to collect. It was {$120.00} for a cleaning on an apartment I used to live in in XX/XX/XXXX and XX/XX/XXXX. The problem is, is that we didn't leave the apartment dirty, it was actually cleaned before we left but I can not prove this. The main and pressing issue is though, that I never received back my security deposit, in which this {$120.00} should have been deducted from.

The original owners of the apartments sold it to another entity a few months ago, and it is the new entity that has sent it to collections. I am having a hard time trying to prove that we paid a security deposit, because I can't find a copy of the original lease from XX/XX/XXXX toXX/XX/XXXX, nor will they give me a copy of it ( claiming that it was in the files they received, which is a lie ). The collectors ( NCS ) won't give me a copy, and the new apartment landlord says they handed over all their documents and copies to NCS.

I'm stuck in the middle because I can't find a copy of the lease to prove we paid a security deposit, and that it was never returned me as required by law and the lease agreement. So if I could get access to the original lease, I can prove that there was a security deposit that the {$120.00} should have been deducted from, with the rest returned to me. The new landlord won't acknowledge that there was a security deposit, even though they forced us to pay a full month 's worth of rent as a security deposit, stated clearly as SECURITY DEPOSIT, not last month 's rent. I need help getting that original lease and help dealing with the collections.
Product: Money transfer, virtual currency, or money service

NO customer protection from scams. Misleads customer that it is safe platform. No accountability. 

Both Chase bank and XXXX refuse to reverse transactions to scammers ( with evidence ) when the transaction is still marked as PENDING. Chase and XXXX pass the responsibility to the other one. 

Non-existent customer service can not get ahold of any human at XXXX.
Product: Debt collection

Dear Arresources XXXX XXXX XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of  receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from Arresources and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

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

I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to the unauthorized companies to resolve the matter. I most recently sent letters on XX/XX/2021.
Product: Credit card or prepaid card

I did not provide Chase Bank permission to use my personal information inlcuding my name and social with credit card ending in XXXX.
Product: Debt collection

Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
XXXX XXXX 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 did not consent to, or authorize nor benefit from any of the following inquiries. 
XXXX and remove it. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

on XXXXBank of America closed my checking account I had just had a direct deposit placed in the account I also had another transfer go into this account on XX/XX/2022. I contacted to ask why had the account been closed I had already filed a claim in regards to suspicious activity the first Bank of America rep told me she didnt know a few times and told me she was the only one who could resolve the issue she then offered to transfer me to customer service knowing they would not be able to help I explained I have 3 children and Im losing my home due to this issue I was already late on rent that deposit was supposed to keep my home they did not care. I called again the next day spoke to a rep who advised me the account would be closed on XX/XX/2022 a whole month and some days later I again asked why and they would not provide any information I called again later that day and again could not get some much as an answer besides it would be closed on the XXXX of XXXX after review it does not take a month to review an account and still have not received a letter or answer by phone as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX / / Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX Acct. 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. Also, States Consumer reporting agency Can not Furnish a 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 or 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: Debt collection

The company ( Maxlend ) has called me a total of 8 times within 4 days. I answered the last call to inform them that they are now harassing me and to stop calling but they hung up. I have a screenshot of the received calls. 

XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX