23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, we started working with Bank of The West to refinance our Mortgage. This process took a long time till beginning of XX/XX/XXXX. After their calculations, they said we needed to pay off some of our credit cards and return one of our leased cars. we returned one of our leased cars and paid off some of our credit cards,. Later, the agent said if we take {$30.00} out of our 401K, we should be qualified. We took out the amount requested from our 401K. We had some cash in the bank, she said if we sell {$16000.00} from our stock, we will be 100 % qualified. My husband was very frustrated and he didn't want to work with them but I asked the agent if this is the last thing they want from us. I told her that we are tired of this situation and we want an honest answer. If we will not be qualified, we don't want to sell our stock but the agent confirmed that this is the last thing and she even offered us a conference call with her manager. Unfortunately, we believed her and we didn't have this conference call. We sold our stock, waited for a few week without any updates. My husband called the agent for some updates. She said we can't pay the property tax with the cash we have in the bank. We informed her that we already paid the tax. She said she will inform her manager. Later, she didn't return our calls and texts. we went to the bank and found out that our request has been denied. They were not responsive to our emails, not only the loan officer but also others such as the underwriter. When I asked the underwriter why he sent us an old document ( with numbers that they had changed themselves ) to sign, he never responded. 
We want to complain from Bank of The West because they weren't honest with us. If they were not expecting our loan to be qualified, they should have told us from the beginning. We took out of our 401K, sold our stock for nothing. We didn't need all that and now we have to pay a lot taxes for their mistake. They shouldn't be allowed to play with people 's life. 
Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 Any other adverse item of information, other than records of convictions 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: Credit reporting or other personal consumer reports

I noticed several unauthorized inquires on my TransUnion credit report I contacted TransUnion on XX/XX/XXXX and spoke with XXXX. 4 XXXX XXXX XXXX XXXX, 6 - XXXXl XXXX, 1 - XXXX XXXX XXXX, 1 - XXXX XXXX, 1 - XXXX XXXX 4 - XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. After XXXX took note to dispute the unauthorized inquires, she stated that I should be in this complaint and mail it to TransUnion Dispute.
Product: Credit reporting

Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.
Product: Debt collection

Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an ordered through the BestBuy website for a couple of items which one was the XXXX XXXX to be able to pick it up at the store. When I arrived at the XXXX XXXX store, they said they did not have the item and it was already sold. Because of this I opted to buy the XXXX XXXX at a different location which was the XXXX XXXX store in Florida. When I went to make my payment on the BestBuy site, I noticed the balance owed was more than it should have been. Came to realized that I was being charged twice for the XXXX XXXX for the amount of {$1000.00}. I called and filed a fraud claimed after being informed at the store to do so since it shows that the laptop was picked up on XX/XX/XXXX by me. But this was not the case since I was actually working that day. This has not been resolved since it happened and Best Buy is unwilling to return credit simply because it shows on their system that the item was picked up by me.
Product: Consumer Loan

American Honda Financial replied to the initial complaint with nothing but lies. The only thing that matches their records is my name my social security number and my date of birth. That 's the information that was stolen from my identity over 20 years ago and that 's been proven by the police and the courts. I defy American Honda Financial to give you any truthful documents to show the that car was bought at the address I 've been living in since XXXX or that it was bought by myself while I was out of the country from XXXX of XXXX until XXXX of XXXX. I would like them to show you with documents that they are nothing but liars and full of XXXX because they can not prove anything else except those items that were stolen from me over 20 years ago. The North Carolina Department of Motor Vehicles is aware that somebody obtain the license back in XXXX from online with my information and when I asked them to give me a new drivers license they said since it was done online they would not give me a new driver 's license number. The next year in XXXX on move to South Carolina and have lived here ever since. American Honda Financial comes back with a short response but nothing but lies because nothing they said can be proven by them outside of those XXXX items I 've already told you that were stolen from me. I want them to reply to each and every XXXX of these claims they do not have my correct work information they do not have my correct address that the car was bought with and they do not have personal information outside of mine that would have been used to identify the account. So I please request American Honda Financial to give you the documents they claim are real and I can show that none of the information they provide his true or real pertaining to me individually only through a stolen identity.
Product: Debt collection

On XX/XX/2022 ( XXXX XXXX mail # XXXX ) I sent my first dispute to the creditor. They had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 


The address listed on my credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
They have the incorrect address listed on my credit reports making it difficult to handle this debt which does not belong to me. I have wasted money sending disputes to the address they have listed. 

I followed up with a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ( Tracking Certified mail # XXXX ) their failure to provide proof of claim by XXXX XXXX XXXX XXXX 

All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : 1. Validation of debt over XXXX months ago. This accounts needs to be removed from my credit report. 

2. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code 3. Copy of Contract signed by both parties.

4. Provide TRUE CONTRACT, NO PHOTOCOPY.

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company. 


I only wish to handle to handle this matter in writing. All calls will be recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through their own gross negligence, provided my confidential personal information to hackers/thieves ( identities currently unknown ). Being one of the 3 major credit reporting bureau 's in the USA they have a huge responsibility to safeguard our data and have been recklessly careless with this information. 

As additional examples of their careless behavior : 1 ) When you do a security freeze on an Equifax account they give you a 10 digit PIN you need to unfreeze the account. The first 6 digits are the date you enacted the freeze. This is TERRIBLY insecure, as everyone who freezes their credit as a result of this recent security breach will have extremely similar PINS. 
2 ) The website they created enabling citizens to check if they are a victim of this breach is a BRAND NEW DOMAIN, instead of using their own domain. This makes it significantly easier for identity thieves to direct people to fraudulent sites. This is either simply lazy, or demonstrates an ignorance of cybersecurity that 's criminal. 

I now have to set a fraud alert on my wife and my accounts, which is no guarantee that I wo n't become a victim of identity theft following this breach. Equifax has offered 1 year of credit monitoring to victims such as myself, however this breach will have far reaching effects for YEARS to come. 

In addition to credit card information, which is an inconvenience to change, criminals now have my name, birthdate, social security number and drivers license information which is INCREDIBLY difficult to change. They also know where we live and work, which is terrifying. It is impossible to overstate the economic and physical repercussions of this event.
Product: Debt collection

On or about Monday XX/XX/2020 I received mail that just had a P.O. Box number from XXXX, SC XXXX addressed to me and upon opening it I saw 4 sheets of paper the first one Had XXXX XXXX XXXX ( which is a hospital in Indiana that I have been corresponding with ) it said RE : patient XXXX XXXX Account number ( it had 2 ) date of service and balance. It asked for 7 different proofs of financial information and had XXXX XXXX address at the bottom. One had my address and the others were asking for personal info. There was not a letter explaining it came from a collection agency but I found it strange that XXXX XXXX hadnt inserted a letter explaining it was from them so I looked the address and discovered it came from Amcol debt collection. I knew the name because they are reporting on my credit reports. This was as dishonest as it gets. Im not sure if XXXX XXXX allows this but if they do thats not right but honestly I dont think the knew because they already have my info.
Product: Mortgage

LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Short sale was started with LoanCare XX/XX/20. LoanCare has been fighting us every step of the way regarding the homeowners EDD Award Letter and EDD statement printouts being in XXXX instead of English. 
***** THIS IS A CLEAR CASE OF XXXX ****** LoanCare is refusing to acknowledge the XXXX Award Letter and their XXXX Statement because they are in XXXX. They are demanding the borrower get a copy in English, which is not possible given the laws that protect non-English-speaking borrowers. XXXX said they have XXXX speaking customer service representatives, but no XXXX speaking underwriters and therefore can not use the letter we sent. THEY ARE DEMANDING THE DOCUMENTS/LETTERS BE PRODUCED IN ENGLISH, EVEN AFTER WE INFORMED LOANCARE THAT IT IS A VIOLATION OF BOTH STATE AND FEDERAL LAW, AS WELL AS THEIR SERVICING GUIDELINES. The State will not and can not produce these letters/documents in a language that the borrower DOES NOT SPEAK, as the borrower has indicated to the State that XXXX is their main language those letters/documents will ONLY be produced in XXXX. 

****LOANCARE DOES NOT HAVE THE ABILITY TO SERVICE THEIR CLIENTS****** THIS IS A CLEAR CASE OF XXXX   ***********
Product: Credit reporting or other personal consumer reports

I am disputing several accounts on my Experian credit report that are past the allowable reporting time limit under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c, which mandates the removal of adverse information after seven years. The details are as follows : 1. **Account Status Incorrect** : - Some accounts on my credit report have a status indicating delinquency, charge-off, or other negative information that is older than seven years. According to 15 USC 1681c ( a ) ( 4 ), such information should not be reported past this timeframe. These accounts should be deleted immediately as they no longer comply with the FCRA 's reporting requirements. 

2. **Old Information Re-Appeared or Not Removed as Expected** : - There are accounts on my credit report that should have been removed after the seven-year period but are still being reported. The presence of these accounts is a violation of the FCRA, which mandates the removal of outdated negative information to ensure the accuracy and fairness of consumer credit reports. 

Despite contacting Experian directly regarding these accounts, I have not received a satisfactory resolution. I request the CFPB to investigate this matter, enforce compliance with the FCRA, and ensure that these outdated negative accounts are removed from my credit report immediately.
Product: Checking or savings account

Wrong account was put into direct deposit paperwork. Paycheck was deposited into the wrong account at the same bank Wells Fargo. The day of the transaction, my employer told me to speak with my bank, as they already accepted the deposit. When I spoke with my bank using the transaction number given by my XXXX  they said there's nothing they can do, that it would be returned because the name on the check wouldn't match with the other account. Now a week later I received an email from Wells Fargo stating that they did not see any errors on their end and closed the case. My paycheck has not been posted to my account, and they seem to be allowing the other account holder to keep a check that is not theirs.
Product: Credit reporting or other personal consumer reports

I noticed some accounts that were not mine on my report, including some inquiries. Please remove these inquiries because I did not authorize them. 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

Im not been able to access my TransUnion credit report to follow up on disputes to check accuracy ever since the one of the data reaches recently. I cant seem to get logged in. Ive called him and called them. They just put me on hold transfer me around and then they tell me lies whenever I do talk to somebody Trying to get a vehicle and I keep getting denied because of my TransUnion score being so low due to all the accuracy is really causing to be turmoil. XXXX is the same way experience is a little bit better but nonetheless theyre all still reporting an accurate information and theyve all had that preaches that my information has been leaked so Im at the mercy and Im in desperate dire need of accurate reporting Negligent
Product: Mortgage

About XXXX days ago, we were contacted by NewDay USA. I have had this mortage about XXXX years ago. The company stated that they have completed an audit of my account and we are behind on our escrow payments. They have increase100 % our monthly home payments over 100 %. Our payment was {$760.00} now it is XXXX Also they also charge me over {$2000.00} up front. 
My wife own the home and we both are XXXX and living Social Security. 
My age is XXXX and my wife is XXXX XXXX XXXX. 

I don't feel the escrow did their job when we bought the home.
Product: Payday loan

XX/XX/2013 I borrowed a loan in the amount of {$500.00} with a Company Called Castle Payday. I Paid off the amount of {$500.00} in full within 3 months and for 5 months straight they continued to debit {$20.00}, {$40.00}, {$35.00} on a weekly basis out of my account which totaled to a amount of {$890.00}. I called XXXX XXXX and told them that I payed them off and I do n't know why they were still debiting my account. XXXX XXXX XXXX XXXX left me threatening voicemail messages saying that they were going to place a lawsuit against me because I now owe them over {$6000.00}. For court fees and remaining interest balance of {$1000.00}. He offered me payment options, even told me that they are going to sue me. I was not aware of the remaining balance or interest. I never received anything in the mail, email and nothing is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXAccount # XXXXXXXX XXXXAccount # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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 Section 2 : It also states a 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 Any other adverse item of information, other than records of convictions 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: Mortgage

NationStar is calling my work, they called XX/XX/2017 at XXXX. Now 1st of all they have my number XXXX, if Im working I cant answer it. Sad part is I have until XX/XX/XXXX to pay my payment and its sent out, but they call non-stop sometimes 5 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize for credit to be ran by capital one on XX/XX/22
Product: Vehicle loan or lease

I went to buy a car in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX CA XXXX and the guy named XXXX XXXX and he lied to me when he did the contract he said that lease was better than buying because my payments could be lower and that i could also keep the vehicle anyways but when my lease term was over the finance company named toyota finance are charging me {$6000.00} for returning my car on top of the almost {$35000.00} i paid in 3 years for leasing the car.. I am mad because I have gone through XXXX to speak with XXXX and he is never there he is always avoiding me when i go there and try to talk to him they told me i needed to sign a document of returning the car and that I owe {$6000.00} and if I did not sign it they could impound the car and mess up on my credit report .. I am crying because i am mad on how these people screwed on me ... I need help I am not working i dont have a job and cant even pay rent and now this .... they said they will screwed on my credit report if i dont pay them the {$6000.00} dollars .... I need help please ... ..