23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I purchased a property through XXXX, which referred me to a loan officer from XXXX XXXX. I inquired about utilizing XXXX XXXX XXXX XXXX to XXXX with the down payment and closing costs. The loan officer informed me that using the grant would automatically increase my interest rate and advised against it. Trusting their expertise, I proceeded without the grant. 

Subsequently, during XXXX and XXXX XXXX friends acquired homes through different companies, and their loan officers incorporated the XXXX  XXXX XXXX XXXX without affecting their interest rates. This discrepancy leads me to believe that Bay Equity may have misled me, possibly due to a lack of affiliation with the grant program.

I attempted to contact Bay Equity for clarification but received no response. I now wish to file a complaint regarding this potentially misleading guidance.

Bay Equity also shared my personal information with life and home insurance companies without my explicit consent. During the signing process, I was presented with multiple documents to sign sequentially, each introduced only by its general topic ; none explicitly indicated that my information would be shared with third parties. As a result, I have been inundated with numerous marketing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.
Product: Payday loan

I am being charged XXXX percent interest on a loan for expenses when my vehicle broke down. I am currently XXXX XXXX military.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the deletion, i am forever grateful as a reporting XXXX XXXX XXXX on my credit was taken a burden on my eligibility to obtain credit, get proper housing, proper transportation
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report Hard Inquiries were identified from : XXXX XXXX XXXX USA XXXX  XXXX XXXX  XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I contracted Chase via phone. I was attempting to buy tickets from a seller and was provided with a name and email address. As a way of due diligence I spoke to a Chase representative regarding XXXX and to ensure the name and email belonged to a legitimate account. The email was confirmed to have an account with Chase or one its partner banks. I went ahead and submitted a transaction for {$480.00} to XXXX XXXX at XXXX I did not receive the digital tickets within 10 minutes and the person stopped responding to my calls/texts. I immediately contcted Chase to stop the transaction but was told the person had already accepted the money and they could not retrieve the money. They informed me they would file a claim to contact the persons bank and try to get my money back. I was told I would hear back within 5 business days.

I contacted Chase again on XX/XX/2018, since I had not received any information. The representative told me there was no update but provided me with a case number and XXXX   number and told me to call to get an update. After being in the phone for over 20 minutes, XXXX informed me they dont handle claims and that this issue needed to be resolved directly with my bank. 

I called Chase again and was told my claim had been rejected by Chase and that they had submitted a claim to the persons bank. I was told I needed to wait and see if their bank would reimburse me. Needless to say, I did not receive the customer service or assistance I needed from the bank where I have been a loyal client for 7 years. I requested the name of the bank of the other party so I could attempt to follow up on my own, but was told I could not have this information. I was told to just call back periodically to see if the other bank had responded. I have yet to receive any information and no refund has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX with a balance of {$670.00}. Equifax Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX on my credit report as a charge off. 

I have no knowledge of this account and I have continually disputed this account and Equifax fails to verify the accuracy of this account. Equifax Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

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, Account name : # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 



I looked at my Equifax credit report on XX/XX/XXXX 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 )
Product: Student loan

XX/XX/2018 & XX/XX/18 Having problems with Navient applying payments to the right loans to the to avoid them saying payments are late and applying late charges and getting harassing phone calls say I am delinquent. 
XX/XX/2018 & XX/XX/18 Changing due dates without consulting with the borrower to confirm that is a good due date and then applying late charges. 
XX/XX/2018 & XX/XX/18 Talking to supervisors and representatives about fixing the problems and nothing ever gets fixed. 
XX/XX/2018 & XX/XX/18 Not having the correct loan payment amounts on account to pay the loan without having to go through a Navient employee to get things fixed. 
-Being transferred to a million different employees before getting to one who can actually fix the current issue. 
-Told they will fix said problem, but then it is never done. 
-Spending up to a hour in a half to get to someone who will fix the problem. 
-Account showing late fees and employees telling me there are no late fees that were put on. 
-Told I needed to contact the XXXX XXXX XXXX XXXX XXXX to solve issues with Federal garenteed and subsidized loans that they were the one to anwser questions about those loans when really it was just another department within Navient. After call Department of Education they tell me that it is the responsibility of the loan holder to handle all loan problems that they have nothing to do with them any longer. Same problems when having to fill out the yearly income driven plan paperwork. 
These are just the tip of the iceburg of the numerous problems we have had with navient since they took over my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXExperian-Transunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from Equifax and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE LATE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXXBalance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX  that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane Ida. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. XXXX maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the XXXX online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted XXXX regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the XXXX portal during this entire period was {$0.00}. XXXX relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by XXXX stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, XXXX stated that I had not been delinquent in payments. Upon closing my loan with XXXX, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.
Product: Credit card or prepaid card

Dear Officer, I have trouble getting the refund- the merchant had already sent them to my BOA credit card. I haven't received the refund for around two months. On August 6th, I returned four items I bought with my previous BOA credit card, which had already been replaced with the new number. BOA customer service told me that all my previous credit cards should be recorded in my profile and linked with my current credit card. So I could receive the money returned to my previous credit card. 
Unfortunately, I didn't. I went to the BOA office five times and called customer service more than ten times. They could not find my previous card information in their bank system, even though I had a physical card and statement with my previous card number. 
They refused to help on getting the refund back to me, just because they could not find my previous card info in their system. They know that's their system issue, but they insisted on refusing to help me. 

My refund amount totaled around {$800.00} on two different previous credit cards.

I could provide the following refund information : 1. Merchant refund receipt to my previous credit card 2. Merchant invoice number for the refund to BOA 3. Previous card # 1 physical card, statement 4. Previous card # 2 statement I could provide my purchase history with the merchant and a specific BOA credit card statement with the purchase. Please let me know if I need to provide any more materials. So many thanks! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been communicate with experian for years about my credit they always up my credit than over night my credit score drops. I even got their app and got in their experian boost and credit score help on their webb site they said get a credit card will help your score I did and paying on time I paid off some of my bills before time and they still took my score down XXXX points I open an account paid good I paid before time and still my score dropping XXXX call them many time they only say we will check into it. they say something wrong with their system .they will fix it. not true
Product: Debt collection

XXXX from XXXX XXXX XXXX based out of XXXX MI attempted to collect {$71.00} from what she said was money owed from XXXX XXXX XXXX dates included were XX/XX/2014 for {$21.00} ,XX/XX/2014 for {$25.00}, and XX/XX/2014 {$25.00}. 

I have contacted XXXX hospital financial Dept, XXXX XXXX XXXX, and XXXX health which is the company owns XXXX. All explained to me that I did not have any outstanding balances and reported to me that I do not have any debt in collections from them. 

I strongly feel this is a scam and needs further investigation to avoid others who may be victimized from this scam. 

If you have any further questions or concerns please feel free to contact me.
Product: Money transfer, virtual currency, or money service

Google is billing thousands of dollars in unauthorized charges made from my mobile phone by my 5 and 11 year. The kids are not authorized to use my credit and debit cards yet, after I bought once a game in Google XXXX, they seems to have gained direct access to purchasing games via my XXXX account linked in Google account without requesting verification. My kids dont have my password or biometrics info. The problem with unauthorized Google XXXX purchases, is that Google is not sending any email notification to my gmail account as they do for Subscription from Google 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 resonable cause to believe the information is inaccurate.
Product: Mortgage

Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?
Product: Debt collection

Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.