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

On XXXX XXXX I applied for a product to see if I could use my SSN since I have not used it is since XXXX  when I bought my car.I have been a victim of fraud and identity theft since XXXX XXXX with a change in my identity with my daughters SSN that was given to me back then.After applying for the product on XXXX XXXX I was the only one that had my password to unlock and unfreeze my credit report.On XXXX XXXX my credit report was unlocked, locked.frozen, and unfrozen 6 times which it was not me because I had already applied for the product on XXXX XXXX, so who went into my credit report on XXXX XXXX to do this suspicious activity.On XX/XX/XXXX I contacted Experian about this matter received an email from Experian and the case worker that was handling the case on XXXX agent name was XXXX which XXXX have not received a response from her in this matter case number XXXX XXXX XXXX I called to see why I have not gotten a response from Experian in this matter the agent I spoke with did not get her name she indicated that the system did that on XXXX XXXX, which I know I did not unlock or froze my account on that day because it was already done on XXXX XXXX, when I applied for that product since I had not use my my SSN in about 4 years since I bought my vehicle in XXXX of XXXX means that if it was Experian XXXX means that their is a Data Breach within their system that occurred on XXXX XXXX, which the called I made on XXXX XXXX at XXXX p.m. when the agent indicated that the system had generated that on XXXX XXXX have been through to much with credit bureaus changing my identity within their system without my consent. The agent that is handling the case is XXXX XXXX ext XXXX.The call I made to get in contact with Experian is XXXX XXXX which was made on XXXX XXXX that when the agent stated it was their system that locked, unlocked, froze, and unfroze my credit report on XXXX XXXX I only did it on XXXX XXXXI uploading where I unlocked and froze my credit report on XXXX XXXX and someone or their system as the agent indicate on XXXX XXXX 6 times one is missing on the upload because it was archived.
Product: Checking or savings account

Wells Fargo Banking inadequately deducted funds from my checking account on XX/XX/XXXX. They received a legal notice of garnishment on XX/XX/XXXX, ( Court case # XXXX ) from XXXX XXXX  XXXX XXXX debit collection agency, in the amount of {$2500.00}, which stated XXXX with a return date of XX/XX/XXXX. 
Wells Fargo miss handle a court order document by violating and process after dated order by deducting {$590.00}, and charging an additional processing fee of {$120.00}, totaling XXXX. 
On XX/XX/XXXX, I called Wells Fargo and requested a resolution and was given the run -around with no answers util finally they open a case # XXXX which was escalated to XXXX XXXX I later received a response stating, they will not return funds with letter dated XX/XX/XXXX, and refer me to the Courts and XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the Certificate to Service through US Mail, which is dated two ( 2 ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day since XXXX. I have told this to XXXX XXXX  XXXX a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.
Product: Mortgage

Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made  to Loancare  and should have been made to   XXXX   XXXX       The loan servicing was transferred to  XXXX  on  XX/XX/XXXX . The payment was sent from  XXXX  (  XXXX   XXXX   XXXX   XXXX   of  Maryland  )  Loan #  XXXX . Amount {$1600.00}  1.  I realized I made a mistake a called Loancare on  XX/XX/XXXX  2. Emailed Documentation of mistake  XX/XX/XXXX  3. Called to inquire on status  XX/XX/XXXX  -Told me that someone would call from cash office by Wednesday - NO CALL  4.  Called  XX/XX/XXXX  (  59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details.    5. C alled  XX/XX/XXXX  explained problem and (   XXXX   XXXX    )  told me that she would call me back that day - NO CALL 6. Called  XX/XX/XXXX  told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up!     This is a lot of money to me I am concerned that  may  not have enough money to pay my mortgage this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I collection notice showed up on my credit report from XXXX XXXX XXXX XXXX ( XXXX ). They said it was under a landlord agreement signed in XXXX. I have not owned or lived at that property since XXXX and I think it has been sold since. I don't remember signing an agreement as I would have been out of the country. They say that if I never cancelled said agreement them I am responsible for the bill which was for an account opened in XXXX. 

I don't think it's at all fair that they never reconfirmed an agreement, if it even exists, in the almost 20 years since they report it went into effect. They have said it shows on their records and was never cancelled. 

How is it possible that I can be responsible for an unpaid utility debt on a property I have not owned in at least 20 years. I cancelled the account I had when I moved from the property and have not had a single communication from them.
Product: Credit card

I applied for an SoFi Bank XXXX XX/XX/year>. On XX/XX/year> I received a written notice from SoFi Bank XXXX. that my application was denied. On XXXX XXXX I sent the underwriter a letter requesting my application be manually reconsidered, according to 15 USC 1602 ( l ) and 15 USC 1681 ( a ). I received another denial. The specific reason ( s ) as to why I was denied is irrelevant because I have a right to credit and withholding my securities is securities fraud!! SoFi Bank XXXX. is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! I also call XXXX and told the supervisor about the securities fraud, He said it nothing he can do, and to call Utah and tell them, but he gave me no directives as to who to contact or what department to contact. I was asking for ADVERSE ACTION. SoFi Bank XXXX. unlawfully refused. SoFi is in violation of THE FEDERAL EQUAL OPPORTUNITY ACT, I have been discriminated against as a credit applicant. 15 USC 1602g can not ask for social security number for a loan, its fraud. Per 12 CFR 1002.4, I was denied a manual review. 
15 USC 1691 any adverse action in consumer credit transaction is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with experian, XXXX  and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXXXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to experian, XXXX, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, XXXX  OR EXPERIAN. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from Barclays regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Product: Bank account or service

on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn.
Product: Checking or savings account

I deposited tax refund check into my account and now its restricted with no information giving to me to why its closing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is acurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceedin ( File No. XXXX ) against them for similar violations. 
I request that the CFPD take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 

These are some of the accounts I have marked inaccurate : XXXX XXXX XXXX XXXX.
Product: Debt collection

I have contacted FCO - XX/XX/2020 XXXX XXXX XXXX  {$190.00} Up till this date no contact in regards to the validation, open date/ close, no information I am a victim of identity theft with no correspondence.
Product: Checking or savings account

Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.
Product: Credit card or prepaid card

Chase sent me a credit card I did not ask for.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Mortgage

On or about XX/XX/XXXX I received a final payoff notification of our new mortgage which I had requested. The payoff was calculated for payment as of XX/XX/XXXX and the address to which payoff was going was in-state approximately 100 miles away. On XX/XX/XXXX I withdrew the requested funds and purchased a money order as instructed and mailed the check immediately. On the morning of XX/XX/XXXX the check was returned due to insufficient funds even though the amount was what was requested. I called immediately and through much confusion was finally told that the payment was not received/processed (? ) until XX/XX/XXXX and therefore was nonsufficient. I will not believe that it took 2 weeks for that check to arrive but they only argued that it was late and it was my responsibility to have it there on time and they would not even consider the date stamps from the USPS showing pickup/delivery. I now have had to travel 15-20 miles back to the Credit union to cancel the check and draw a higher amount due to additional interest as well as pay an additional {$25.00} to wire the funds to eliminate any further problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy on my credit report needs to be removed they do not report information to any credit bureaus and I have attached a letter from the courts stating they do not report to credit agencies. The bankruptcy was also inaccurately verified the courts name is UNITED STATES BANKRUPTCY COURT XXXX XXXX OF CALIFORNIA the courts they have on my credit report is not the name of the courts. I have attached proof In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Mortgage

I sent a debt validation letter to XXXXXXXX XXXX as well as Brock and Scott on XX/XX/XXXX via CFPB. The reference number is XXXX. I was not sent validation in it completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Consumer Loan

The day of my payment or a day after, I receive multiple pre-recorded or phone calls from live people requesting that I call Conn 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete collection information on my credit report. The same paid, closed account has been removed from other credit reporting bureaus after the creditor/collection agency requested them to do so.
Product: Student loan

I have 4 private loans with Navient. I have asked for evidence that I requested and signed for the loans. I also requested a full investigation with Navient because I believe the school I was attending, XXXX XXXX University, may have fraudulently requested these loans. However, in order to do an investigation, Navient is requesting an identity theft report to be filed with a policy agency. The problem is I am unable to get the XXXX, CA sheriff 's department, where I resided when the loans were executed, to issue a report. The Sheriff 's department needs evidence that the loans may have been requested fraudulently. Which is exactly what I am asking Navient to investigate. This has become a circular cycle. I really need help clarifying the validity of these loans.
Product: Mortgage

I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was brought to tears after viewing from credit report. This particular was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and XXXX that i'd get that same helpful male agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution.
Product: Credit reporting or other personal consumer reports

Dear Experian LLC I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified information that I believe is incorrect and unverifiable. 

Below are the specific details of the items in dispute : XXXX XXXX XXXX Account number XXXX The reported late payment for XX/XX/ 2024 is incorrect. Additionally, the information regarding late months has been inconsistently changing across subsequent reports, which suggests a lack of verification or accuracy. 

The account months changed multiple time since last year and every time I dispute the inaccurate information it would come back as verified but then the late payment month would change after being verified. This account has been reported inconsistently or inaccurately concerning the late payment information. The dates reported as overdue have fluctuated between reports without justification, leading to confusion and potentially damaging my credit profile. 

Under the Fair Credit Reporting Act, all information reported must be accurate and verifiable. If the creditor can not substantiate the reported late payments or provide consistent information, I request that these inaccuracies be promptly corrected or deleted from my credit report. 

Attached to this letter are copies of supporting documents, including relevant statements and notices which further support my claim. Please note these documents are not originals. 

I kindly ask you to conduct a thorough investigation of this matter and correct the inaccurate information. Please provide me with written confirmation of your findings and any associated actions. According to the Fair Credit Reporting Act, I expect to hear back from you. 

Thank you for your prompt attention to this matter. 

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

I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXXXXXX XXXX  had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXXXXXX XXXX  to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.
Product: Mortgage

Trying to get our escrow account refunded. On our online account is showed that we had a refund due in the amount of {$1800.00} and that it was processed on XX/XX/2019. We had not received anything in the mail and it was the end of XXXX. We were advised that a check has been mailed, but if we do not receive it by XX/XX/XXXX that we could call and ask to have it re-issued. We called back on XX/XX/XXXX to advise that we had still not received the refund from our escrow account. The woman advised us that they were cancelling check # XXXX and would be reissuing the refund and we would have it in 5-10 business days. On XX/XX/2019 we received communication from Roundpoint Mortgage that was postmarked on XX/XX/2019. The refund check was in the envelope. I went to deposit the check and realized the check that was issued had an issue date of XX/XX/2019 and it was check # XXXX. So somehow the check that they claimed to have mailed did not get sent until XX/XX/2019 which was 5 days after we had called and requested the check to be re-issued.We called to verify that the check had been cancelled as we did not want to have a returned item and get charged a fee. We were advised that the check # XXXX had been cancelled and that a new check was requested on XX/XX/2019 and we would have it in 5-10 business days. Here we are almost 60 days out from the day that the check was supposedly mailed and we do not know where our {$1800.00} refund is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1200.00} XXXX XXXX {$1400.00} I called the insurance company and the hospital about these bills