23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My fiance and i viewed a new construction home on XX/XX/20. We liked the home ended up putting earnest money down and signed a contract for a conventional loan. The following week we received a path which stated we needed to pay down a credit card. That was completed the following day and proof was sent to their lender. I kept in contact with the lender who stated nothing else needed to be done. I was then told about a month later that the XXXX XXXX letter needed to be reduced. I told him that court was delayed due to covid-19 but i could get a letter from our attorney with their recommendation to the judge. Lending said this would work and the letter was sent over. When court was completed in XXXX, I called lending and let them know the amount was lowered per the judge to the amount listed in the letter. The lender then ( after 5 months ) ran our credit without permission and then said that he doesnt believe the loan will work. From that day on ( XXXX XXXX ) it was literally a different story each day. One day we were told that the student loan payment amount would have to be reduced, the next day I was told no it was fine but i need to pay off a different loan. Then the day after I was told that I needed to just bring the money that was needed to pay everything off to closing and those loans would be paid at closing. I was then told that it was not going to go through as the income was not enough. I asked how when all of the income was laid out before we signed the contract. I did not get an answer. I was completely confused as to how we were put under contract and completely changed our lives just to be told 5 months later that they werent sure the loan would go through. I then contacted my lender 's boss and spoke with him. He told me that the loan was FHA and my student loans didnt matter. I was then told that until XXXX came around and taxes were filed that there was no way this loan would be able to be processed. I asked if we were able to push the closing back 3 weeks so that way the income taxes could be filed and was denied. I was shocked as they had already pushed the closing back on their end 3 times. I was also told that no other lender would be able to approve us and they sent the cancellation form was sent. I also contacted the lender one last time to get some answers and he lied to me saying we were put under contract without pre-approval. He then said the loan was unworkable and he let it sit for 5 months. He also said he never submitted it to underwriting but just told me it was denied. I was also told that he was trying to submit FHA even though I signed conventional and then told me conventional was not even in the picture. He told my realtor the DTI was under and the next morning he told me it was way to high. I was not even given an option to have another lender look and do the loan. My earnest money has still not been returned as of today. The closing date has also been pushed back 3 times but they were refusing to allow me an extra two weeks to file and get the income they say they required in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  XXXX  XX/XX/year>2023 XXXX XXXX  XXXX  XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei
Product: Checking or savings account

I am adding more information to my previously submitted complaint # XXXX After doing more research regarding this Bank of America Account holder ( fraudster ), that they operate in a gang stealing cars from car rental Companies, & after preparing fake fraudulent Finance contracts to get financing from different banks, credit unions insuring vehicles, registering vehicles in XXXX New Jersey Pennsylvania XXXX XXXX bribing XXXX personnel XXXX these states producing fake vehicle title. A strange thing I noticed when I pulled XXXX records that they operate under XXXX companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Title of these companies is XXXX, No name of the Owners listed in XXXX division of Corporations. I am sure when they recieve these wire transfers into their Bank of America account they withdraw all funds right away in XXXX. Bank of America is ignoring all security protocols of a Business why these fraudsters are pulling all this XXXX. 
When I register my business in Florida division of Corporations XXXX, I have to provide my name Title & address. 
These fraudsters should be behind bars Before they hurt/victimize more people Bank of America should be more vigilant & follow Account opening protocols, Bank of America should flag these 2 companies accounts Audit them ASAP instead of ignoring & protecting their fraudsters business account holders. Once these fraudsters receive wire funds in their account they never ship product stop answering phone calls text messages. They keep changing phone numbers. Here are their phone numbers. 
XXXX XXXX XXXX I am sure Bank of America should have account holders ID or Drivers License. When this fraudster open a Business account XXXX XXXX XXXX. & XXXX XXXX XXXX.
Product: Vehicle loan or lease

Greetings, I have an ongoing issue with receiving my vehicle title from Toyota Financial Services. I own a XXXX XXXX XXXX and it was paid off to TFS in XXXX XXXX XXXX. During that period I submitted requests for a change of address prior to payoff to avoid being mailed to the incorrect address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My vehicle registration was not due during transfer and came due around the time I paid off my vehicle. So during this period I was trying to manage correcting my address on my vehicle registration which is in XXXX, with a XXXX  Drivers License, and just XXXX  to XXXX XXXX. All I needed TFS to do was change my mailing address on file and confirm that my title would be sent to my residential address in XXXX. This was during XX/XX/XXXX into XX/XX/XXXX. I submitted a couple tickets for this issue and spoke to representatives and nothing got taken care of. One of the tickets and responses from the CSR was that since Im XXXX  in XXXX  I would have to talk to Toyota XXXX XXXX XXXX regarding this issue. This is absolutely not the case. XXXX  has nothing to do with my loan and title of the vehicle. Another response to my ticket from a CSR was that I would need to contact XXXX  because that is where my vehicle is registered. Still not the case. My loan is financed through Toyota Financial Services and my loan is paid off. Everything was up to date on my TFS account and profile and nothing ever happened to my request. Fast forward a year down the road because of other things we encountered during our time, we were buying a house and moved twice and dealt with a hurricane in XXXX. 

Its XX/XX/XXXX into XX/XX/XXXX and I am in Receipt of XXXX XXXX XXXX. I can not XXXX XXXX XXXX XXXX XXXX XXXX  without my title since it is no longer financed or liened. In order to ship it there I needed letters from Toyota stating I was able to ship it to XXXX. The same goes for XXXX XXXX XXXX XXXX XXXX, it will not clear the XXXX. 


I again contact TFS and bring my issue up again and the agent says hes not sure what happened and why my title was never processed. I can log in to my account and view the status of my ticket and it shows paid off and account closed, but just shows pending under Title Processing. This is unacceptable. He says he will submit another request to have this addressed and will speak to his supervisor to have this escalated and expedited. I call every couples days and receive the same response. Im reassured that when it ships it will ship as XXXX XXXX. But it still hasnt shipped. This level of customer service is unacceptable to say the least. I need appropriate action to receipt my vehicle title and I need to clear my vehicle XXXX XXXX XXXX  in preparation for XXXX.
Product: Credit reporting

I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Transunion however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Transunion and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Transunion and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED AND NEW INFORMATION ON EQUIFAX : On XX/XX/2022 I stated that " EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character. '' Case Number : XXXX Today is the XXXX day ( XX/XX/2022 ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i . Equifax has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3600.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX {$26000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXXXXXX XXXX XXXX  Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX, XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX Account Number : XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX  Account Number : XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

None of these options explain my situation. Midland funding had entered into an agreement with the cfpb ( you ) and can not accept any payments from me. This is stopping me from refinancing my vehicle as i can not satisfy the debt. I needed them to send a fax/letter/email to my bank stating they can not accept my payment, but they refuse to do so, even though they would say it to my banker over the phone. I believe this to be out of spite toward me so that i can not refinance my vehicle, since they will not be receiving the money.
Product: Mortgage

My loan was transferred from XXXX XXXX to Shell Point. The current balance reflecting is inaccurate. Im about 4 months behind, their stating 5 months. A payment made in XX/XX/2020 wasnt applied.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you look at the papers? Some of the accounts listed have the wrong dates and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

No payments ever was late. SLS still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times SLS reported late pay as accurate. I need your help. My copies of cashiers checks and SLS 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to sls, and sls statement ) * XX/XX/XXXX- SLS approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by sls XX/XX/XXXX ) XX/XX/XXXX - SLS Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) After multiple request for modifications were denied sls asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX )
Product: Debt collection

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX, XXXX, VA I contacted who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this 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 from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your help and assistance. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Transunion credit report with at least 7 errors that I have been disputing since XX/XX/XXXX. Transunion sent me a letter on XX/XX/XXXX stating that the account was updated however there were no changes made to the account entry. I have sent them all of the necessary proof of the errors and nothing has been done. There are several FCRA violations and the credit bureaus have failed to delete this account.
Product: Checking or savings account

I received an email alert on XX/XX/XXXX regarding low balance in my checking account from US bank. I called my local US bank that I did not issue any large transaction. I was informed to call on XX/XX/XXXX because a check was made out with amount of {$3200.00} and picture of check would be visible then. I called the bank and was informed that a check was cashed under my name at branch # XXXX with possible false ID? 
This branch is located at XXXX XXXX, CA and I live in XXXX, IL I called the XXXX XXXX, CA branch asking why this phony check was cashed. 
I want an investigation with the teller who cashed the check out. 
Date of transaction on check was XX/XX/XXXX I called US bank fraud department on XX/XX/XXXX and my checking account has been blocked until I receive my refund.
Product: Debt collection

This debt is not mines. I spoke with the company would not provide proof of this is my debt.