23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I began the process of refinancing with XXXX XXXX, XX/XX/XXXX, I signed documents and on XX/XX/XXXX, and appraisal was ordered and cost was quoted be {$500.00} but was charged {$550.00}. XX/XX/XXXX, I re3ceived an email that my loan was approved. On XX/XX/XXXX I was told it was a conditional approval. On XX/XX/XXXX, I asked for an update as well on XX/XX/XXXX with no response. XX/XX/XXXX I was told the loan is going through its normal process. I was told, by phone, NOT to pay my mortgage that we will close by XX/XX/XXXX. I did not pay XXXX mortgage at that time. XX/XX/XXXX I received an answer that all looks good. XX/XX/XXXX my loan is still under review. XX/XX/XXXX and XXXX, XXXX asking for update since it is passed the XX/XX/XXXX closing date. Received a message on XXXX XXXX that the loan was on track to close. XX/XX/XXXX, still under review and our loan was sold to another company. XX/XX/XXXX I was asked to pay XXXX mortgage and get a new payoff. from the new company. Payoff was received on XX/XX/XXXX. XX/XX/XXXX I checked on the status. 
XX/XX/XXXX, I asked for an update. XX/XX/XXXX. XXXX stated loan was in final review. XX/XX/XXXX, was told they were hoping to close in the next few days. XX/XX/XXXX, waiting to hear from underwriter. XX/XX/XXXX, asked for up date and I was told a different authorization was needed. Unsure what that meant and was not given an answer. They took care of the new authorization on that date. XX/XX/XXXX, asked for another update. Got an email to pay XX/XX/XXXX to mortgage, I paid and asked for another payoff letter. XX/XX/XXXX another payoff was sent. XX/XX/XXXX, Update requested. XX/XX/XXXX received a new loan processor. XX/XX/XXXX was told new lender needs another authorization for credit check and payoff since this paper work is over 60 days. I signed the authorization. XX/XX/XXXX, asked for update. On XX/XX/XXXX I was told my loan was denied due to late payments. Please note on page 2 of the attachment is the email stating our loan was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Around midnight this morning ( XX/XX/year> ), I zelled myself {$1200.00} from my XXXX XXXX XXXX account into Truist Bank to pay down a loan. I created the XXXX profile for Truist this morning switching it from another bank that I usually use. Anyways, I added my Truist bank information to the lender website and verified it, then saw that the lender for whatever reason was not accepting my payment via Truist ( the option to pay the lender on Truist was grayed out ). So I zelled the money back to my XXXX XXXX  account to pay my bill from the other account I usually use to pay my debt. I tried to log into my Truist account and i am blocked from even logging in and was then told that my account was locked for fraud. They did not send any other notifications about fraud, if this was true fraud I wouldnt even know until it was too late. Luckily, it is not fraud. I called Truist XXXX times after finding out they locked my account and heard different answers each time. XXXX person said I have to go into the branch and verify myself, another said that they are closing my account. I have bills to pay and Truist is refusing to refund my {$500.00} that will be direct deposited on XX/XX/year> by XXXX XXXX. I do not feel protected as a consumer. Truist is trying to steal my hard earned money because of a {$1200.00} bill payment I was trying to make and they have wrongfully closed my account and are refusing to give me my money thus harming me as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to AM HONDA FIN XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax account XXXX XXXX I have requested that the information on the reports be updated, however they refuse. Under 15 USC 1666B - This is a billing error, account always paid as agreed and on time. This is an error and account is violation. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus XXXX and Experian and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the exact information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

Everyone can use the accessible software that I used to write and generate my letters. Should you decide not to respond to or handle my correspondence, you are in violation of 15 U.S. Code 5 1681i. Furthermore, it is illegal to postpone answering customer letters on the grounds that help from a third party might be possible. There isn't a legal exemption to this. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$260.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$970.00} XXXX XXXX XXXXXXXX Charge-off {$2600.00} XXXX XXXX XXXX Charge-off {$4400.00} XXXX XXXX XXXXXXXX Charge-off {$0.00}
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : Address, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/23 I made a transaction with my personal XXXX XXXX card using my Square business account online terminal. 

The transaction was for {$400.00}. I noticed immediately that Square had flagged my transaction for " review '' after a few hours I decided to contact Squares customer service to inquire about what the issue might be. I was told it's because I was using a pre-paid card. 

I would assume consumers should be able to use any acceptable payment method, including gift cards or pre-paid cards. 

Square is holding my {$400.00} completed transaction for 90 days. 

Within a few miutes after calling customer support, Square also deactivated my account with no real explanation as to why.
Product: Credit reporting or other personal consumer reports

Upon reviewing my personal consumer report I noticed accounts and information not pertaining or initiated by myself.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute an account that is inaccurately showing up on my credit report. The account in question is not mine and I have never been associated with it in any way. I have checked my records thoroughly, and I can confirm that I have never opened an account with the creditor in question or made any transactions with them. 
The creditor is LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
And the balance is XXXX I believe that this account has been mistakenly attributed to me and is causing a negative impact on my credit score. As per the laws, it is the responsibility of the credit reporting agencies to ensure that their reports are accurate and up-to-date. I request that you take immediate action to investigate this matter and remove this account from my credit reports. 

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies that may appear on my credit report. I am exercising this right and request that you provide me with a written confirmation of the outcome of your investigation within 30 days. 

I would also like to request that you provide me with the name and contact details of the creditor in question. This will enable me to contact them directly and request that they correct their records. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( s ) : Transferred from XXXX to Mohela Mohela XXXXXXXX XXXX XXXXXXXX Credit Bureau ( s XXXX Reporting the Inaccurate Information : [ XXXX, XXXX XXXX XXXX ] Incorrect Balance Reported : {$59000.00} ( also the XXXX only shows Dept of Ed balance of {$45.00}, XXXX which is in contrast to the balances that XXXX and XXXX show as due by the Dept of Education ) Correct Balance : the servicer Mohela has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected. 
This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My auto-loan payments are not being processed by Truist, the new holder of my auto loan. When I make a payment, the payment is immediately returned as " non-sufficient funds '' despite those funds being available. as of XXXX, after a paycheck deposited as cash, a payment was made to this loan provider and was rejected the same day. this has resulted in repeated late charges and the danger of my vehicle being repossessed. this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full by XXXX XXXX. Vehicle was totaled in accident. I also received a refund from over payment from XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed into XXXX  someone ( named XXXX on XXXX ) money for a concert ticket for {$170.00}. I XXXX  them so the scammer 's XXXX is associated with their bank and real identity. I called XXXX immediately and they told me they would look into it. I called again today on XX/XX/XXXX to see the status and the person I talked to on claims was incredibly rude and dismissive. They said I wouldn't get my money back and the case is closed and they won't do anything about it. Fine, it's XXXX thing if I can't get my money back, but I expect something to be done about the scammer 's account. Their XXXX is clearly attached to XXXX so they have an account and I can not believe that XXXX is unwilling to look into this account. How could you want to continue doing business with someone that scams people. This scammer 's account should be reported or closed or there should be action taken. As a long time customer of XXXX 's banking and credit services, I am incredibly disappointed with the way they have handled this. I get that I shouldn't have sent someone I don't know money but why does all the blame get put on me and not the evil person scamming others? I know XXXX can do something about this and it's sad that they do not care about all the people being scammed .... I expect my money back or for this scammer 's account to be closed and reported or I will be moving my primary banking and credit card relationship to a financial institution I can have faith in.
Product: Student loan

since my account was transferred from mygreatkakes to telnet, none of the three payments I have submitted have been applied. the balance changed on the account home, which I recorded in my monthly budget, but apparently that was inaccurate. Looking back, my bank statements also don't have record of withdrawal. In the Nelnet website, they have messages after every submission I made that they need me to resubmit. I do not trust them with my banking information. 

I unfortunately do not have screenshot of my principal changing on their website, but I have my budget. I recorded XXXX as my principal remaining the morning of XX/XX/31, and this morning received an email that my auto debit was returned. Right now I have multiples of my auto debit amount in my account in my account.
Product: Debt collection

i attempted to report this and i got more information. 
the initial creditor is out in illinois for an XXXX. I've never even had XXXX or been to illinois! 
I contacted the medical business bureau and they stated the addressXXXX XXXX  XXXX XXXX and the date of birth XX/XX/XXXX. I don't have that date of birth and ive never lived in that address. Ive never lived outside of California or visited anywhere in the US past XXXX XXXX Nevada. 
Original Creditor XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Opened XX/XX/XXXX Account Name MEDICAL BUSINESS BUREAU , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.
Product: Credit card or prepaid card

My complaint is about US Bank Focus Card. This is a payroll card instrument provided by the US Bank. I am unable to get my money out of the bank because of the following reasons : 1. When I go to the branch, they are unable to help me. They can't see the balance on it, nor can they disburse money per my request. They are telling me that the only way is to use their ATM.

2. When using an ATM, it is limited to only {$1500.00} per 24-hour limit. And the timing is controlled. If I made a withdrawal at XXXX PST, I have to come back the next day after that time or get rejected. 

3. The only customer service number provided by the branch is the one on the back of the card. It is stated that this is a 24/7 number XXXX. I had dialed that number over 50 times at this point, including XXXX XXXX XXXX XXXX XXXX XXXX, and so on. It makes you jump through the hoops only to disconnect you after a few tones with an automated system telling you that there are too many callers. At XXXX XXXX? Such a lie! 

4. Website is not letting me do anything with my money either! I can't transfer the money anywhere, and being forced to open a checking account with them is the only option. I don't need their checking account. I already have one, and I am set.

5. I feel that earned money is being held hostage by this banking institution which is a form of theft. They are making an interest on my funds daily, and I am forced to keep running around trying to extract my money!

Please help me.
Product: Debt collection

This afternoon I received a call from XXXX. This auto-dialed number left a robo-voice message saying that it was from " XXXX XXXX   : a debt collector '' and telling me to call XXXX. I do not have any outstanding debt and I pay my credit card in full every month. So, there is no reason a debt collector should be calling me.