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

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, XXXX and Equifax and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, EQUIFAX 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
Product: Debt collection

LVNV Funding LLC contacted my family members by searching other phone numbers associated on my cell phone account and gave out information without my consent. The amount owed is {$960.00} for a credit card I owed {$250.00} on ( {$250.00} limit with XXXX XXXX XXXX ). I have asked them to stop contacting me after they declined my offer to settle the account for the amount I originally owed to XXXX XXXX ( {$250.00} ).
Product: Mortgage

In XXXX I was made aware of an issue with my Mortgage payment not being applied. I had this set up on autopay and had owned this home since XXXX. I had not received any notification that there was any issue with my payments until this notice appeared on the door. 

I contacted Wells Fargo who my home loan was with and was notified that there was an issue with my auto pay being applied and that my property would be foreclosed on. I requested the balance and to be able to make payment in full of any balances due and was told they would not take my payment and the house was being foreclosed on. They did not provide me with any options to satisfy any past due amounts. There had been no changes to my payment accounts, autopay set up, etc. and suddenly they were not able to apply my payments and quickly completed foreclosure proceedings on my home and would not provide any detailed information, allow me to resolve the issue, etc. 

At this time I did not know what if anything I could do about this. It definitely seemed as if something unethical had occurred with the bank and my home was unfairly taken out from under me without any notice or providing me the ability to correct any issues. I also had a car loan with Wells Fargo around this same time in which payments were misapplied by their error and my car was wrongly repossessed. I was able to later get the vehicle issue resolved and was also notified of an issue in which the bank had made errors in applying payments on many loans and received a settlement related to the misapplication of my vehicle payments and wrongful repossession that occurred years earlier. 

I believe that something similar may have occurred in relation to my mortgage payments on my property located at XXXX XXXX XXXX XXXXXXXX XXXX, which then resulted in my home being wrongfully taken and foreclosed on without any notification. The only notification I received was the notice on the door and the notice also included contact information for an investment company who I believe was able to purchase my property out from under me. 

I would like an investigation to be conducted in relation to the misapplication of my mortgage payments, and lack of required notifications, and documentation being provided to me in relation to Wells Fargo foreclosing on my home located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I believe there were likely violations in relation to required actions that the bank should have taken and the fact that I was not provided the ability to resolve any payment issues, etc. and my home was quickly foreclosed on. I am unable to access any records due to the time period and was never provided adequate documentation related to the alleged missed payments, foreclosure notifications, etc. 

Upon additional research into this situation, it came to my attention that Wells Fargo was the party of a class action lawsuit related to wrongful foreclosures and misapplication of loan payments during this same period. Based on this information it seems likely that what occurred is also related to this confirmed wrongdoing and violations that Wells Fargo was found to be liable for.
Product: Debt collection

I received a call from a man named XXXX. When he called he asked for me by name and it took me twice to ask him where he was calling from before he told me the name of his company which is iq data and that they collect on money owed to a rental property. When he told me where he was calling from I proceeded to tell him I knew why he was calling and that I disputed the debt because I had no knowledge of it nor did I ever receive any bill or any proof that I acquired the debt. He then started to explain how the charges came about and I informed him that he did not need to be explained that I 'm aware as this has been explained to me and that I 'm clearly stating that I do not owe money for any damages done to an apartment which might I add I 'm still a resident for the same apartment complex. He was very rude and as I tried to make my statements he talked over me the whole time and made no attempt to listen to what I was saying to him. He then proceeded to say this is a refusal to pay which at that point really upset me because I explained to him already that I was disputing the validity of the debt and now your insisting that this is a direct refusal to pay. I should also add that I was never properly verified so if he was required to verify my ssn as most debt collection agencies are he never did so and never gave me any type of disclosure statement or XXXX. To make matters worse he also laughed at me when I told him that I would not pay something that I felt I did n't owe. I asked him to speak with his manger and he continued to talk over me and at me. After asking to speak with the manger several times he finally connected me to XXXX. I advised XXXX that I felt my rights have been violated and even harassed. He asked me how were my rights violated and I explained the situation to him. Fdcpa guidelines are put in place to protect me from being mistreated and abused by collection agencies and debt collectors and I feel that man violated my rights under those guidelines. The manager told me that man did nothing wrong. He said nothing even remotely remorseful to that fact that I was very upset and felt that his employee was rude and unprofessional. When I told him laughed at me he again found nothing wrong with that and I told him they we 're both very rude his response was " I disagree but OK '' ... .when I asked for the name of their company and the name of himself and the first guy I spoke with the manger accused me of yelling at him and threatened to terminate the call and then rudely and obnoxiously put me on hold while I was speaking with him. When he came back to the line he asked me if was done screaming and when I went to explain to him I had him on speaker phone and was not screaming he put me back on hold again while I was talking. Finally when he came back to the line he gave me his name and company name and that was the end of our call. I have never dealt with a company so rude and unprofessional ever and cant understand how either one of them our considered qualified to work with people. They may have a job to do but this is not how you go about doing I t and I intend to pursue further actions on this!.
Product: Credit reporting or other personal consumer reports

Response ( XX/XX/2024 XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies. 

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Hello XXXX XXXX, It appears that I have XXXX item ( XXXX credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified of a hard inquiry on my credit report from Bank of America that I did not initiate. I called XXXX and notified them of this on XX/XX/2022. XXXX placed a Fraud Alert on my account. I have also called Bank of America to let them know that this was not me and to make sure that the credit card account is not opened.
Product: Mortgage

Last Year, XX/XX/XXXX, I was excited that I was Pre-Approved for My Companys VIP Program through Quicken Loans. 

I received a VERIFIED Pre-Approval on XX/XX/XXXX from Quicken Loan Originator XXXX XXXX ; on a 3 % Down Conventional Loan. 
I was also given verbal and email pre-approval on both FHA and USDA Loans. 

I specifically asked XXXX about the USDA Loan requirements. XXXX assured me that my DTI was within the limits for the USDA Loan. 
Specifically on a property at $ XXXX, XXXX informed me that my DTI  was at XXXX XXXX and still within the limits for all loan types ( FHA, USDA and Conventional ) After months of searching for the right property for my family and I ; on Wednesday, XX/XX/XXXX, I submitted my Purchase Agreement on New Construction in a Verified USDA Eligible Property. 
The weekend passed and I had not heard from XXXX on my Loan Status. 
Early Monday Morning XX/XX/XXXX ; I went to my Rocket Mortgage Dashboard and was excited to see my USDA Loan Estimate and The Intent to Proceed Docs uploaded to my file. 
I reviewed the loan estimate and signed/dated and submitted the XXXX to XXXX XXXX. 

Later, yesterday morning ; I received an email from XXXX, basically stating that my USDA Loan was not approved due to my DTI being too high. I was extremely disappointed with this news! I was relying on the zero down to reduce my out of pocket expense at closing. 
XXXX, then emailed me and stated I would have to go with FHA. I replied and asked what happened to the Conventional Pre-Approval @ 3 %?!?! 
After hours of waiting for a response from XXXX, she emailed and stated that she was working with her Director to get the Loan approved. XXXX stated, the loan currently is not going approved with XXXX or XXXX though everything about the loan qualifies.. 

Again, I was very disappointed with this process. In addition to my credit being pulled again by XXXX, after she informed me in XXXX that my credit would not be pulled again, even if my Offer Expired on XX/XX/XXXX. 
I was again disappointed to receive notification that they ( XXXXQuicken Loans ) had pulled my credit again!! 

All these months I have been working with my realtor, under the Actual printed copy of a Verified Pre-Approval of $ XXXX ; only to be given a USDA/FHA denial and run-around and inflated Conventional Closing Costs on a Conventional Loan. 

These Acts are VERY DECEPTIVE on Quicken Loans/Rocket Mortgage behalf! 
I have lost 4 Months in working with them. Time is of the essence for me that I can not get back. 

As a part of the VIP PROGRAM ; I was in no way treated in a VIP Manner in the end. 
XXXX even emailed me and stated, ... I do not make the rules, I just follow them.. 

I sent XXXX an email and also sent a message through my dashboard that I will not be proceeding with Quicken Loans.
Product: Credit reporting or other personal consumer reports

1. Sent dispute to TransUnion. For verification of process and procedures of inaccurate, incomplete public record.

2. TransUnion responds. ( See attachment ). Provides supposable data furnisher and other.

3. Contacted supposable data furnisher.

4. Data furnisher responds. ( Courts and Courthouse ) with verification process and procedures. ( See attachment ) 5. Contacted TransUnion disputed verification process and other. TransUnion responds.

6. TransUnion responds with data furnisher information which IS DIFFERENT FROM FIRST RESPONSE. THIS INFORMATION IS INCORRECT, INACCURATE PLEASE DELETE THIS PUBLIC RECORD. ( See attached ).

7. Gathered responses and paperwork and filed complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXX months pregnant with our baby XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my report.
Product: Debt collection

XXXX placed me in collections on XX/XX/year>, for a bill in the amount of {$99.00}. I have this issue resolved in the past!!! This item been reinserted several times.
Product: Payday loan, title loan, personal loan, or advance loan

I applied online today at XXXX XXXX for a {$400.00} short term loan for a car repair through XXXX and was connected with Netcredit.com. I received an approval of a {$1400.00} line of credit once I entered my data. I was provided a contract online and completed it and requested a {$350.00} advance. At XXXX XXXX I received a decline stating that I already had an account with Net Credit which I do not. I called at XXXXXXXX XXXX and finally spoke to an agent who said their system was being updated and that she didn't have any inifomation because she couldn't access my account and requested I call back in bout XXXX or XXXX hours. At XXXX I received another decline for " bank activity '' ( I don't know what that means ). Then at XXXX I received another email saying my application was being processed, so I thought the previous application was party of their computer issue. At XXXX XXXX, I called again, and was told that despite my contract and the previous approval I was being denied. The agent couldn't even explain what " bank activity '' meant. This entire exchange left me far worse off than if I'd never come across the company. They lied, nicked my credit score by pulling a report after my approval and then denying me, and still left me without the funds to fix my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the Equifax and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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: Debt collection

I was the previous owner of the property located at XXXX XXXX XXXX XXXX, Illinois XXXX which was subsequently foreclosed and purchased by XXXX on XX/XX/2018. Since then, XXXX has made no attempts to assume responsibility for the existing water bill. The utility company refuses to remove my name from the bill until the bank takes ownership. The account continues to accrue.
Product: Credit card

Chase offered me a payment plan 12 % for {$430.00}. I didnt decline the payment plan. I tried to ask why they havent placed me into the plan. No explanation. They keep playing games and pointing fingers. This letter reflects there offer they never followed thru with.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Payday loan, title loan, or personal loan

I requested a loan from lending club at the beginning of XXXX for XXXX, the bulk of the money was to be sent to another creditor to pay them in full ( XXXX  XXXX  ) on XX/XX/XXXX with the difference being sent to me ( {$1500.00} ). The funds never were sent to XXXX, so I called and spoke with several people and was later told that they sent the funds to the wrong address. Someone was supposed to call me back after they researched the issue ... they never called. Later I received an email from XXXX that the funds were recived loan was paid in full etc. Great right.. three days ago I received an email that this check bounced from LendingClub. I called in and was hung up on by a rep, called back asked to speak with a sup ... never called back. I called in today and was hung up on by another manager. I later called back and was told that because they couldnt send the funds to the creditor ( which they did ... they stopped payment on the check without asking me ) that they wanted to send me the funds. At this point I had had it. I just advised them to calculate the interest for the funds that I did receive ( XXXX ) which should have had me paying them somewhere around XXXX but they didnt ... they made me pay the full XXXX to pay this loan in full, which I think is extremely unfair as I tried to make every accommodation to get the full XXXX but they didnt honor their bargain thus I never received the funds. I was calculated interested on a XXXX loan I never received.
Product: Debt collection

Somebody stole my checking account routing number and account number and wrote fraud checks. I filed police report, got letter from bank, and notified the stores where checks were written that they were fraud. The bank closed our account out. I forwarded all the above information to XXXX   when we received bill. After they reviewed our info they claimed that one check was fake and the other one was not. They are hounding us to pay for one of the false checks that the bank put a stop payment on due to fraud. They have proof that this was fraud.
Product: Student loan

Around XXXX XXXX, 2020, Nelnet made programming changes that caused Nelnet borrowers with older browsers/computers to be cut off from their account data. 

The Nelnet homepage works fine. The dialog boxes used to login by providing user name and password work fine. But once logged in, the XXXX XXXX XXXX is not presented with their " dashboard '' as previously was the case for many years, but is instead presented with only a blank screen and two buttons : HELP and LOGOUT. 

Browser XXXX  XXXX. 
This browser can not be upgraded on my computer. 
This browser works for all other websites.
Product: Bank account or service

Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. ''