23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was applying for a refinance on my primary residence with Mortgage Solutions Financial. The representative told me the loan was approved, that they had found financing with XXXX XXXX and that he had some difficulty getting it approved. He requested supporting documents and ordered an appraisal which I paid for. Five days later he emails me asking to show more liquid assets and explain why there was a lien on my home ( which there wasn't ). Even after explaining no lien and sending proof from XXXX XXXX county he said he was closing the loan and canceling the appraisal. 
He offered no explanation why he was looking for more assets. The entire email conversation was less than an hour while I was working from from him asking for more assets to giving up. He ignored my questions about the supposed lien. When I contacted him by phone he essentially said that there was nothing he could do and offered no explanation as to why he was canceling the loan. He did not give any details about what underwriting had found and never offered to have me talk to the underwriter. He gave me nothing except an offer to talk to his manager.
Product: Vehicle loan or lease

When I purchased the vehicle XX/XX/XXXX I originally financed it through XXXX XXXX. On XX/XX/XXXX, Capital One refinanced the loan and paid off XXXX XXXX. XXXX XXXX immediately sent the Lien Release letter to Capital One as the new security interest holder. Capital One has since sat on the title paperwork, and as of today XX/XX/XXXX still not send the paperwork to the Oregon DMV so the DMV can process my title and send me the registration and plates so I can drive my vehicle without a temporary trip permit. Oregon DMV granted me a 90 day trip permit back on XX/XX/XXXX so that I could drive my vehicle while they awaited the paperwork from Capital One including the Lien Release letter from XXXX. On XX/XX/XXXX I received a letter from the Oregon DMV stating that they were still awaiting the lien release so they could finish processing my title and registration. I immediately contacted Capital One who confirmed they had the lien release from XXXX, and would send the requested copy to the Oregon DMV. On XX/XX/XXXX, I followed up on the status of this request with Capital One, and was told that they had not yet sent the required document to Oregon DMV, but they had just sent the paperwork over to their mail room whom would process and send the paperwork via XXXX and email me a tracking number. As of today, since I had still not seen a tracking number via email, I again called Capital One to follow-up on the status. The representative again told me that it had not yet been sent, but that she showed that it was in the mail room, and confirmed I was still supposed to receive a tracking number once it is sent. I called and spoke to the Oregon DMV asking what I am to do once the current trip permit expires on XX/XX/XXXX since Capital One hasn't yet sent them the lien release, and since due to the COVID backlog, the process could still take a couple months once received, for me to finally get my registration and plates so I can drive without a trip permit. The Oregon DMV stated that they do not provide additional trip permits, and that I need to continue to hassle Capital One to do their job and get them the paperwork that they should have already sent months ago when the lien release was originally received by Capital One from XXXX XXXX. Capital One is now causing me undue hardship and stress in having to take time out of work to call them continuously to make sure they're doing their job. Please help make them do their job and get the paperwork to the Oregon DMV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All XXXX accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX also called XXXX XXXX to remove all reported items Transunion Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXXXXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXX XXXXXXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave XXXX a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be 100 % accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all XXXX accounts deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Late fees assessed erroneously. Full payment ( actually more than ) every 28 days ( 2 biweekly payments ) has been made consistently, yet I still am assessed fees. Late fees assessed due to changing window of when payments would be accepted. Late payments are assessed as a result of not removing previously discussed erroneous fees that were agreed to be removed through multiple phone discussions. 

This is a repeating issue. The issue requires constant babysitting of invoices from Wells Fargo and requiring a multitude of calls per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # XXXX
Product: Bank account or service

I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.
Product: Money transfer, virtual currency, or money service

i am writing in regards to western union and they're money transferring services. I've been using they're services for many years usually i don't have a problem, but recently they've been treating me wrongfully by accusing me of doing illegal money transfers. Not only am i locked out from using they're services but they've ruined my friendship/relationship with a girl ive loved for many years by thinking that the money i sent her was fraud which wasn't the case.I demand that they reach out to her and apologize to her, but as to me.i demand that they reinstate my account with them and reinstate my ability to use there services and ability to send money online using my debit card. i will also complain about western union to my attorney general for wrongfully judging my money transfers as fraud.
Product: Debt collection

On XX/XX/XXXX, I checked my credit score and I noticed that XXXX XXXX XXXX made a derogatory remark on my credit history. It says that the account was opened on XX/XX/XXXX and the original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I have not been to the doctors nor did I have any blood work that involves XXXX. XXXX XXXX XXXX has never contact me nor sent me a formal letter and proof that I owe such debt.
T
he Original creditor did not try to contact me of this debt at all. They have not shown proof that I owe such debt. It is unprofessional and irresponsible to put a derogatory mark on my credit history without proving and notifying of such debt. It has dragged my credit score down.
I therefore disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and according to the information you sent me I never received such service for which Im being charged in the first place. Because I am disputing this debt, you should take the derogatory remark on my credit score immediately and PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.
Product: Debt collection

This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
Product: Student loan

I tried to pay Navient by credit card today by phone. I did this last month. This time they told me that they were no longer accepting credit cards. They said that they informed me of this new change, but they did n't. They tried to get me to pay out of a checking account, but I do n't have it. Now, I have yo try to get a cash advance on my credit card st a much higher rate. That 's the only way I can get XXXX dollars in a day. I think they 're trying to force me to be late, so they can charge higher rates. They failed to correct my address four times in the past to do this.
Product: Credit reporting or other personal consumer reports

everything on my credit report is old and inaccurate because everything I had was paid in full the day it was received according to the UCC because all debts are obligations of the government and these companies have ripped me off and then reported on it and then hit me off even further by not allowing me too move forward with my life because of the bad credit It has been this way my entire life. and they all are just committed securities fraud by selling my signature without my permission.
Product: Mortgage

During hurricane Irma my mortgage company : Caliber Home Loans offered me a natural disaster hardship deferment for 3 months. I have never missed or was late with any payments until the hurricane. I was told that the 3 months would he put at the end of the mortgage. Then in XXXX they sent a letter and said if I didnt pay the entire amount of the 3 months mortgage payment or I will face foreclosure. Since then they said I didnt qualify for any programs and I must pay. They have also took off of my credit report that I was a victim of a natural disaster and put that I am 90-120 days late which has significantly lowered my score. I have paid my mortgage on time since then deferment ended and am only behind the 3 months they lied about putting at the end of my mortgage. Please help me keep my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote Acima asking for validation of debt no response. 

I wrote another letter on XX/XX/XXXX stating I might be a victim of identity theft. 

Acima wrote back XX/XX/XXXX, however, they didnt sent the documents to verify the account. 
Please look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts to ensure accuracy. 

I am particularly concerned about the following accounts, which I request be verified as accurate : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I checked my Experian and XXXX and XXXX credit report and there was addresses and names and inquiries and accounts that dont belong to me on the credit reports I sent them proof of police report and identity theft report and to remove those accounts and correct my personal information like my name and addresses and to remove the inquiries and they did not they are refusing to correct them
Product: Debt collection

I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.
Product: Checking or savings account

Hi there, InXX/XX/2020, I landed a job in XXXX XXXX. I reside in XXXX, CA so I needed a room to rent in XXXX. I found a place to rent and paid the deposit of XXXX dollars through XXXX. However, the position that I was going to do didnt work out so I no longer needed to rent a place in bay. I asked the landlord to refund the security deposit of XXXX, she refused and told me to do it myself, so I called my back WellsFargo and they disputed the transaction. But, recently I noticed card reversal on my checking account and I got charged again the same amount of XXXX dollars. I called both the bank and XXXX and they werent able to refund my money. I also emailed the landlord asking her to refund the money, ten days have passed and still no response. I hope CFPB can take action to successfully resolve this issue. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report here containing 5 fraudulent account. I listed in the FTC report the fraudulent inquiries as well.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Midland Credit Managment, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Student loan

I have a loan with EDFINANCIAL I have always made my payments on time. For some reason, I realized that there were 90 and 120 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately 1. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$56000.00} ; 2. EDFINANCIAL XXXX Opened XX/XX/XXXX XXXX {$25000.00} ; 3. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$69000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/22 I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 20 days, hold the funds for 60 days to receive a {$1000.00} bonus. On XX/XX/22 my account balance reached {$50000.00}. I maintained that balance through XX/XX/22. The terms stipulated that the bonus would be paid within 90 days of meeting the terms. The bonus has not been paid. I have called three times regarnding the bonus and the representatives have let me know that I have met the terms but tell me to wait. The last time I was given the reference number XXXX by a manager who said she was raising an investivation. I would appreciate the bonus being paid now as I have met the terms.