23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had applied for a refinance loan from Bank of America ( BOA ) with loan number of XXXX. I applied the loan on XX/XX/XXXX and BOA had the first loan closed date on XX/XX/XXXX. I always provided the document request within the same day or next day and never being late. BOA never notified me the status only if I called and most of time no response. BOA has been continuously asking the same information again and again ; BOA even asked a closing statement which is a property that I had sold 4 years ago ( by real estate law I am not required to keep document for more than 3 years old ) and the property is totally irrelevant to the loan. On XX/XX/XXXX which is 5 days before the original closing date, I can BOA to ask my status, the mortgage broker told me my application was declined by underwriter for no evidence of primary residence and ownership. Then I asked the broker why the underwriter never asked me to provide the utility bill, car registration, bank statement to prove my residency but directly to decline my case. The broker said this was totally wrong. Within the next day, I provided the said document volunteering to BOA to ask why my case was rejected on XX/XX/XXXX. 
No one including the manager can not provide me a reason and do not want to provide the listed questions that I want BOA to answer. BOA just continue to ignore me and not allow me to know my status of application. On XX/XX/XXXX, I called the manger to indicate that BOA 's rejection my loan is violation of Fair Lending Act not just basing on my age, my ethnicity and continuous harass me with irrelevant document request. The manager told me he would review my case but it turned out to be today, BOA is asking me to provide a " Notarized Attestation letter '' to explain why the subject loan property is the primary property. I wrote back to BOA by email to explain the reasons why I moved from the previous address to the current address. To me, there is no loan company has been asking me to provide " Notarized Attestation '' Letter only BOA trying continuously to make me frustrated and hard time to the loan. I think this is a discrimination against me personally but not a fair lending because I ask BOA manager to provide me the BOA lending guideline why I need to provide a " Notarized Attestation '' but not an explanation letter. BOA again rejected to provide the details. It let me feel BOA is treating me not just like a criminal but also a serious discrimination against me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

XXXX XXXX Allowed my parents to XXXX over {$500000.00} from my custodian account ( s ) ( my parents called it my trust fund ) the accounts have been closed for years. 

XXXX XXXX  stole {$2000.00} From my savings that account closed by the bank or branch without my consent or authorization JP Morgan Chase generates random charges to appear to appear as XXXX Transactions and monet dissappears without a transaction history and the numbers don't reconcile. 

JP Morgan Chase allowed my mother to XXXX {$40000.00} of my money to XXXX XXXX XXXX and then bought XXXX XXXX on my birthday XX/XX/XXXX XXXX  assuming to cover up the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside TransUnion XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of TransUnion, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. TransUnion and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I applied for a loan on Avant.com the issue that I have is they advertised its a soft credit check meaning it wouldnt effect my credit report at all they send me a email in XX/XX/XXXX that it ended up being a hard inquiry on my credit False advertising and messing up my credit score I been trying to contact them on multiple occasions Multiple emails I get we have received your inquiry thats all I get and nobody has gotten back to me as of yet this has been frustrating and stressful as well first off they lied and months later 8 months they finally notified me that they did that so I see this as an issue and I tried resolving this with them but now I rather go through you guys to see what can be done
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit. 

My credit score dropped XXXX points. 
The forbearance was approved until XXXX. 

My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. 

I have a XXXX and my home is in need of emergency repair due to my XXXX XXXX being broken. I am not able to obtain any loan to resolve the issue due in part to my credit score. 

This is urgent as my home is having environmental and sanitary issues. XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, XXXX, XXXX and XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, LLC conducted an investigation into items listed on my credit report which I disputed in the month of XXXX XXXX. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below:  [XXXX XXXX - XXXX* - Verified as belonging to me] [XXXX/XXXX  XXXX  - *XXXX - Verified as belonging to me][XXXX/XXXX  XXXX - *XXXX  - Verified as belonging to me][XXXX/XXXX XXXX - XXXX* - Verified as belonging to me]  [XXXX  XXXX XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX XXXX - #XXXX* - Verified as belonging to me (Same Item was removed from my XXXX  for lack of Verification)][XXXX  XXXX  XXXX  XXXX  - #unknown - Was never investigated, nor am I familiar with this collection as I've never gotten anything back from this collector proving this is my debt.]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked TransUnion, LLC to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received onXX/XX/2019 to TransUnion, LLC exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from TransUnion, LLC today stating a general explanation about their investigation process, but no proof of items in question ever being investigated. This was an improper Method of Verification response and against my FCRA right. I have attached all documentation backing up my claim for your review CFPB.
Product: Credit reporting or other personal consumer reports

I am having issues with XXXX XXXX XXXX License # XXXX. They are reporting inaccurate information on my credit report that is severely hurting my credit. I asked several times to remove this inaccurate information and they still refused. I also researched this company and found they have no license to operate in my state of Texas. 

I also asked Experian to investigate and they replied with a generic response that they did the investigation and the information was accurate. However, this company is not even licensed to collect debt in Texas
Product: Credit reporting or other personal consumer reports

I am experiencing a discrepancy with TransUnion regarding the reporting of three accounts : XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ), and XXXX XXXX  ( # XXXX ). These accounts were previously removed by XXXX, XXXX, and XXXX, indicating they recognized the inaccuracies in the reported information. However, TransUnion continues to report these accounts as verified and accurate without providing sufficient proof or explanation for their findings.

Despite my requests, TransUnion has failed to supply the specific evidence or methodology used in their verification process, as required under the Fair Credit Reporting Act ( FCRA ). I am concerned that their reliance on automated systems like e-Oscar may have resulted in an incomplete or inaccurate investigation. Without sufficient evidence supporting the existence and accuracy of these debts, TransUnion 's continued reporting of these accounts is unjustified and harmful to my credit profile.

I am requesting a thorough reinvestigation of these accounts, detailed documentation of the verification process, and immediate correction or removal of any inaccurate information. If TransUnion can not comply, I urge them to delete these accounts and block their re-reporting, in compliance with federal consumer protection laws.

attached you will a copy of my ID, my SSC, my proof of address, proof of the deletion of the account on each bureau and a letter to TransUnion.
Product: Debt collection

Between XX/XX/2016 and XX/XX/2016, I was a victim of identity theft. Someone had stolen my purse with all my personal belongings in it and started opening all kinds of credit card accounts ( 4 in total ) in my name they even went as far as changing my address through the postal service I ended up finding out when they tried to open a XXXX XXXX account, but didn't know I already had one and XXXX XXXX contacted me and I contacted the police about the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

look i dont have dates except todays really. 

Disputed a record that was FRAUD potentially commited by a wanted Pennsylvania Fugitive. 

XXXX XXXX emailed me and stated on XX/XX/XXXX. That i owe XXXX XXXX dollars On my XXXX report XXXX Which was reported by CONVERGENT OUTSOURCING. 
WHICH WAS REMOVED FROM ALL REPORTS XX/XX/XXXX. I Don't get why it has re-appeared. It was removed and isn't mine. it was even marked in comments : ( Meets requirement of the Fair Credit Reporting Act ). Which means it shouldn't be there again. So either XXXX XXXX is trying to XXXX my record up again. Or Convergent Outsourcing is. 

Im just trying to build some XXXX XXXX credit finally in life. I shouldn't have any accounts open or even in collections. I've never had any
Product: Checking or savings account

Commerce Bank XXXX XXXX XXXX, MO A snowball effect of overdraft charges from smaller XXXX transactions going through one at a time. All overdraft charges were from legitimate charges going through when I did not have enough money in my account. The overdraft charges inevitably made it impossible to bring my account into the positive. Each penalty is worth {$36.00}. 

XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$72.00} XX/XX/XXXX - XXXX x {$36.00} = {$36.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} Total = {$680.00} I called the bank to ask for help. They were able to refund 4 overdraft charges, along with an additional {$50.00} leaving me {$490.00} in the hole. I called again asking to speak to a manager but was never able to reach them and was told this wouldn't be solved by a manager override. I've been having financial issues stemming from a divorce in XXXX and being blindsided by a lack of additional employment due to COVID. I've been asking for years for any kind of tools or resources I can use to help mitigate issues, and until I prodded today over the phone was not aware that I could be using a loan I had from them to buffer my overdraft charges, nor was I made aware that setting up a savings account could help. I was given no valuable advice or suggestions in 4 years. It's hard for me not to believe these resources were withheld from me ( after REPEATED requests for assistance ) because overdraft charges are a more lucrative endeavor than helping customers get on their feet.
Product: Student loan

Nelnet overcharged me for interest on my student loan balance during the COVID pause.

During the COVID pandemic, federal student loan payments were paused and no interest was supposed to accrue. Right around the time that the COVID pause went into place in XX/XX/XXXX, I received a loan statement from Nelnet, dated XX/XX/XXXX, saying that the estimated interest on my loan as of XX/XX/XXXX would be {$740.00}. 

I received no additional loan statements from Nelnet until XX/XX/XXXX, when the COVID pause was ended. The next statement I received was dated XX/XX/XXXX. All of a sudden, the estimated interest on my loan was {$1900.00}. My interest had increased more than 250 % during the XXXX pause ( when interest was not supposed to accrue ). 

I have attached copies of these statements. 

I have tried multiple times to get an explanation from Nelnet, only to receive boilerplate responses that don't address my question. I am at the end of the my rope. Since XX/XX/XXXX, I have paid over {$2700.00} in interest payments alone on this loan. I have no confidence that Nelnet is managing my loan properly. It is costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of Ford Motor Credit since 2013 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 2013. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by Ford Motor Credit with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 6 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.
Product: Credit reporting

I sold my XX/XX/XXXX XXXX on XXXX XXXX, XXXX as a short sale. Experian reports this as a settlement. I have a " LETTER OF DEBT FORGIVENESS '' from XXXX XXXX XXXX. Also I live/rent now in a XXXX center ( XXXX XXXX @ XXXX XXXX XXXX in XXXX, California XXXX ) & Experian has me living in XXXX. I have no past due bills & do n't owe anyone/anybody money and have had credit for over 50 years.My XXXX XXXX " FICO '' score is listed at XXXX. Something crooked is going on at this Experian Corporation headquartered in some Foreign country. They claim my payments are XXXX % which is a complete lie. Can you help me in fixing these white-collar criminal activities. Thank you for any consideration in this matter. XXXX XXXX XXXX PS : I am almost XXXX, XXXX & an a XXXX Veteran. I will be mailing in some documents to you.
Product: Mortgage

I have reached out to the Mr. Cooper on several occasions to see if we could come to resolution on the matter of missed payments. I did not hear back and now I received a letter regarding an auction. 

I would like 60 days stay to explore other options at this time.
Product: Credit card

RE : Unauthorized balance transfer to XXXX XXXX Carnival XXXX Mastercard by Barclay Credit Card ( Case No. XXXX ) XXXX XXXX authorized a balance transfer from his Carnival XXXX Mastercard by Barclay credit card to his XXXX 's credit card account ending in XXXX in the amount of {$4.00}, XXXX and to his XXXX XXXX credit card in the amount of {$970.00} which posted to his Barclay account on XX/XX/XXXX. 

After the balance transfer, the CarnivaXXXX XXXX Mastercard by Barclay credit card statement showed an additional balance transfer to a XXXX 's account ending in XXXX in the amount of {$7000.00}. XXXX XXXX did not authorize this transfer nor does he have a XXXX account ending in XXXX which is one digit off from his authorized card number. 
XXXX XXXX immediately reached out to Carnival XXXX Mastercard by Barclays credit card fraud department. XXXX XXXX has evidence of calling about his dispute since XX/XX/XXXX with no resolve. The company is insisting that XXXX XXXX made the {$7000.00} balance transfer request. 

After numerous attempts of trying to work with Carnival XXXX Mastercard by Barclays fraud & dispute department to no avail, XXXX XXXX decided to contact Macys in XX/XX/XXXX, in order to provide evidence that XXXX did not have any documentation of a {$7000.00} payment on his XXXX account and furthermore, according to XXXX, there is no account number ending in XXXX which is one digit off from authorized number XXXX. 

The following supporting documentation from XXXX 's ( REF : XXXX ) will prove that : XXXX. The only balance transfer that XXXX XXXX approved ending in XXXX was successfully paid to account in the amount of {$4.00}, XXXX. 

XXXX. The XX/XX/XXXX statement ending in acct XXXX shows that XXXX XXXX had an outstanding balance {$4300.00} and XXXX. The XX/XX/XXXX statement ending in acct XXXX shows a payment of {$4100.00} and a new balance of {$200.00} ; hence there is no payment made of {$7000.00}. 

XXXX. A XX/XX/XXXX letter from XXXX XXXX was sent stating that XXXX XXXX ' account ending in XXXX has a balance of {$270.00}. 

On XX/XX/XXXX. XXXX XXXX called both Barclay and XXXX for a conference call. XXXX XXXX spoke with Carnival XXXX Mastercard by Barclays representative, XXXX case no. ( XXXX ). During the conference call, XXXX validated the following with Barclays representative, XXXX. 

Account ending in XXXX is not a valid account number. This is of most importance because Carnival XXXX Mastercard by Barclay indicates that that account number is where the {$7000.00} was sent to. 
XXXX also verified that they never received {$7000.00} from Barclay on any account XXXX XXXX XXXX never owed {$7000.00} on account XXXX dated back to his XX/XX/XXXX statement. 

As of XX/XX/XXXX, XXXX XXXX still has not heard from Carnival XXXX Mastercard by Barclay and the {$7000.00} is still on his credit report. In addition, it may be important to note that XXXX XXXX Barclay credit card had a {$9500.00} credit limit and due to this unauthorized {$7000.00} charge, the {$9500.00} limit has a total charge amount of {$12000.00}. Why would Carnival XXXX  Mastercard by Barclay allow a charge over the limit?
Product: Credit card

Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card.