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

On XX/XX/2023 through XX/XX/2023 I was notified by XXXX XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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: Checking or savings account

I received a promotional ad claiming I would receive {$250.00} if opened a checking account and followed the terms which I have met all the requirements of. I have since been into a branch around midXX/XX/XXXX where they confirmed I qualified and that the funds would be deposited to my account. After waiting 2 weeks and still not receiving my promotional {$250.00}, I called customer service on XX/XX/XXXXat XXXX and spoke with a manager named XXXX who adviced me the funds would be deposited to my account by XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>. Again, there has yet to be a deposit made to my account. I have a letter from my account opening stating I am entitled to a bonus offer and the reward offer code is XXXX. This needs to be resolved immediately.
Product: Student loan

I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.
Product: Credit reporting or other personal consumer reports

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 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, Account name has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Obtained mortgage on XX/XX/XXXX from XXXX XXXX XXXX. They sold loan to XXXX on XX/XX/XXXX. XXXX assigned servicing to XXXX XXXX XXXX on XX/XX/XXXX. Now they assigned servicing to Mr. Cooper effective XX/XX/XXXX. I issued check XXXX  XXXX on XX/XX/XXXX to Mr. Cooper. Apparently, the check has not been processed ( under the prompt crediting rule ) On XX/XX/XXXX, received call from Mr. Cooper Loans ( XXXX ). Voice message stated this is Mr. Cooper debt collection. Call XXXX within XXXX XXXX must use personal code : XXXX XXXX. 
On XX/XX/XXXX, received the above same message new code XXXX. 
On XX/XX/XXXX, called Mr. Cooper and spoke to XXXX XXXX about above. She stated their records does not show receipt of payment. I advised mail had not been returned so they are in receipt of payment but have not processed. Her only advised was to contact my bank! ( What would that accomplish if they failed to process check? ) I have never had XXXX XXXXXXXX calling me and do not want this to continue!
Product: Credit reporting or other personal consumer reports

I submitted disputes to experain to update the balance on my student loans, which are now all XXXX. I also included the proof from the student loan company showing that the balance is XXXX. I also spoke with them verbally and they again confirmed the balance is XXXX and experian should absolutely update this to reflect the correct balance of XXXX. They also said that experian never requested any info for them to confirm or deny so experian never actually did any investigation nor confirmed the balance. They told me to tell experian to " stop being lazy and do their job. '' Upon receiving the final dispute today, XX/XX/23, I called Experian as well ( XXXX in the dispute dept ), who is saying that they are not changing the balance and actually they never look at the proof of documentation that the complaintee ( me ) includes in the online experian dispute because the dispute team doesn't have access to the dispute files!!!! What sense does this make? They told me to just put in a new dispute over the phone, however, this just extends the delay when this should be done the right time, the first time. These lazy delay tactics are breaking FCRA! For reference, the final experian Report Number is XXXX. The dispute number is : XXXX. If you need anything else, please be in touch. I'm happy to provide any further supporting documentation. Thank you kindly!!! : )
Product: Credit reporting or other personal consumer reports

Reached out to company - I am writing to formally file a complaint against Capital One regarding two credit card accounts that have resulted in a combined debt of nearly {$3000.00}. I believe that these debts are inaccurate, and despite my efforts to resolve the matter directly with Capital One, the issues remain unresolved.

Background The two Capital One accounts in question are as follows : XXXX. Account Ending in XXXX XXXX. Account Ending in XXXX I initially became aware of these debts in XXXX when I received notification from Capital One that these accounts were in default and that I owed a total of approximately {$3000.00}. I promptly disputed the validity of these debts and took the following steps : Actions Taken 1. Debt Validation Letters : On XX/XX/XXXX, XX/XX/XXXX I sent debt validation letters to Capital One for both accounts, requesting detailed information and documentation proving the legitimacy of the debts. Despite being within my rights under the Fair Debt Collection Practices Act ( FDCPA ), I did not receive a satisfactory response from Capital One. They failed to provide the requested validation, leaving me with unresolved concerns about the accuracy and legitimacy of the debts.

2. Communication Attempts : I have made multiple attempts to communicate with Capital Ones customer service department by phone and in writing. In these communications, I consistently requested that they validate the debts and explain the charges leading to the balances. Unfortunately, my requests were either ignored or inadequately addressed, and the debts continue to be reported on my credit report.

3. Negative Impact on Credit : The continued reporting of these disputed debts by Capital One has significantly impacted my credit score. This has made it difficult for me to obtain new credit and has caused undue stress and financial strain.

Request for Action Given the above, I am requesting that the Consumer Financial Protection Bureau investigate Capital Ones handling of this matter. Specifically, I ask that you : 1. Investigate the validity of the debts reported by Capital One.

2. Require Capital One to provide clear and comprehensive documentation proving the legitimacy of the debts.

3. Instruct Capital One to remove the debts from my credit report if they are unable to substantiate the charges.

I believe that Capital One is engaging in unfair and deceptive practices by continuing to report these unverified debts, and I respectfully request your assistance in resolving this matter.

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Please feel free to contact me if you need any additional information.
Product: Checking or savings account

In late XXXX of XXXX the XXXX to be exact- an unauthorized wire transfer was made from my chase bank checking account for {$9100.00} dollars. 

I was alerted to this when I received a low balance notice from my bank. I was later contacted by someone who claimed to be working with Chase bank to check the authenticity of the wire transfer. I made it clear to them at the time that I didnt authorize the transfer. I was having trouble accessing my account as it had been locked due to suspicious activity which the person had assured me this way would help me fix. After that they asked me to verify my account details, such as card number, account password,- which they helped me reset- PIN and amount of money that had been in the account at the time of transfer. I provided the information. 

I was then told I would receive paperwork to continue with the claim as well as a new debit card. Neither of those things ever came and when I contacted XXXX again to check the status of the claim, they told me that they couldnt approve the fraud claim because a XXXX time password/ XXXX ID was used at the time of the transfer. 

I believe that the person I spoke to on the phone about the wire transfer to begin with was a scammer and used the onetime password and my facial recognition while we were on the phone to take that money from me. 

When I brought this up to XXXX separate Chase customer service people they said that because the XXXX and Face ID were used at the time of the transfer despite me telling them repeatedly that I did not authorize it, there was nothing that could be done. And I was advised by someone to reach out here. 

Thank you XXXX
Product: Mortgage

I applied for a mortgage with Residential Home Funding in XXXX of XXXX. Despite my " stated income '' of {$XXXX} per YEAR they managed to underwrite my loan for {>= $1,000,000}. I can only assume because of an inflated appraisal of my home ( or accurate ) they saw me as a prime target and expected me to fail. I was working XXXX jobs in XXXX of XXXX as well as enduring brutal divorce and raising XXXX kids alone with no financial support and a other with XXXX XXXX. I found it more than surprising that in a mere 2 years my house value went from {$590.00} to $ XXXX. Having BEEN a realtor I was shocked .... but none the less if I did not get the loan I was prepared to sell. I maintained patents to Residential Home Funding through XXXX of XXXX from automated checking. Was NEVER late. I was served with foreclosure in XXXX from XXXX, not knowing this was now my servicer. the ONLY notification I got was a returned checkin XXXX telling me to stop sending my checks to them, but NOT telling me WHO to send them to- yet Residential continued cash them, as evidenced on the back endorsement. After innumerable attempts to straighten out the financial part with XXXX, to no avail, I finally thruway hands up and paid XXXX in excess of {$44000.00} to settle the forclosure, legal fees, appraisals, etc in XXXX of XXXX. The proper accounting was never corrected and I continued to pay XXXX until I book my back in XXXX. To my understanding XXXX as well as the XXXX ( XXXX ceased to exist as entities and sold off all of their " bad '' loans, or loans they KNEW would fail, to XXXX XXXX XXXX. I got stuck in that umbrella, yet again not knowing that I was paying the wrong company AGAIN. It seems to me this an extreme violation of pooling and servicing. If one company was to sell me to another I would certainly hope the former company would NOT be cashing and taking my money. Bottom line is that despite MULTIPLE fraud schemes, filing HAMP, HOPE, and every other loan modification/mediation form, XXXX XXXX XXXX tried to foreclose on me when I did not even know they were my servicer. I submitted a QWR and they responded by IMMEDIATELY filing " cover-up '' XXXX documents with " known rob-signers '' names, the notary of which is currently doing XXXX for white collar crime. XXXX XXXX XXXX withdrew the forclosure, mysteriously and I found out nearly a year later the I hand been bundled and sold to XXXX ( know for being more of a " collection agency '' than anything ). I am now once again facing forclosure by XXXX, which to my knowledge does no legally exist and the last XXXX document filed was XXXX. I do n't even know WHO owns my moan if its it legal of not. Residential was cited and fined for operating without proper licensing, XXXX funded hundreds of thousands of loans they expected to fail and sold them to XXXX XXXX XXXX whois turn did the exact same thing- just under code names or via Robo signed documents. I was part of the XXXX group which has remained " clouded '', at best, for YEARS. I am now on XXXX and am trying to fight this alone. The FDIC needs to step in and clear the smog for the people who are facing or are exiting homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

We're unable to get your credit information from the bureaus. Please review the information you provided to ensure that it's accurate. If any of your information has changed recently, such as your name or address, the bureaus may not have the newer information. 

To help resolve this issue, call Experian XXXX provide them with your account identifier number provided below. 

Experian Account XXXX Won't fix it at all talk with them for XXXX week to get it fix but run around run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained the following unauthorized/fraud from my recently pulled credit report. Some of these inquiries remained after being disputed and should have been removed. Please see the following attachment with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was several months late on my loan payment to XXXX, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

XXXX also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Product: Debt collection

Works & Lentz in Tulsa, OK reported on my credit report without validating any claim owed of {$75.00}. I called Works & Lentz to explain and dispute the claim. I wrote a letter officially disputing the claim and stated the various requirements in the Fair Credit Reporting Act. The letter was sent by email to the contact email address I was given by Works & Lentz over the phone. The {$75.00} was for a doctors appointment that I cancelled ahead of time. Works & Lentz sent me no proof that I owed this money for services rendered as is required by the FCRA and as I requested. The only documentation they sent me was a billing account printout from the doctors office. Works & Lentz then reported the collection account to the credit bureau and it negatively impacted my credit score. Works & Lentz has already been found in violation of fair credit practices by this agency and were cited to pay a civil penalty of over {$78000.00} and refund over {$570000.00} to claimants for these violations.
Product: Mortgage

i recently applied for a mortgage with key bank. i went thru the process sending all necessary supporting documents such as XXXX forms for XXXX years and recent paystubs. they contacted me and stated that they survey report came in lower than they expected so they were cancelling the loan,
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$2700.00} ; XXXX XXXX XXXXXXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with them.
Product: Debt collection

There is a collection account in my report that i don't recognize. it is a fraud and i want it to be removed as soon as possible. I am in the process of making my home improvement and i can't move forward because of those inquiries. Kindly remove it as soon as possible : XXXX XXXX XXXX. date opened XX/XX/year> XXXX