23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Wife And I put money down on a new home to be constructed in XXXX XXXX Florida. We were approved by another lender, but were sold by Bank of America because of the low rates on XXXX loans. 
We started the process 2 months ago. After such a long time waiting for a commitment i was in contact with the manager XXXX XXXX. Yesterday I was called to say the loan is being denied. We were shocked .I had received emails from regional manager XXXX XXXX that everything was good and came out of underwriting which apparently was a lie. They were trying to get an exception on my wifes I come which no one told me about for 2 months. If someone told me about this 2 months ago that it was a guideline and I had to see I would have been able to make an educated decision if I wanted to risk it for a better rate or just go with the other company. After this call I tried getting more information and help from senior Vice President, XXXX XXXX. This was a horrible experience as I was talked down to, lied again and pushed off the phone like I was a third class citizen. I have everything I. Emails that contradict what they are saying. They had me sign inaccurate 1003 and loan docs when I questioned in email regarding this. 
I am stuck now because rates went up a point since I could have locked with the other company and will be paying much more a month for my mortgage
Product: Credit reporting or other personal consumer reports

On XX/XX/year> complaint XXXX was submitted. Experian responded by sharing the information from the vendors was accurate. Due to the rights and protection laws I am legally in my rights. Entitled to a fair and 100 % accurate verification of information on my credit report. If this is true how can Experian verifying with a third party is 100 % accurate. The only way would be from the courts. Vendors that was used I did not receive any information or documentation that was used to come up with this verification. If I have proof from the clerk if the court and the website stating. That they do not validate/ verify the information thats in the public records from sites like XXXX and XXXX. 

The information how is it verifiable without my license or social security number. If the clerk court did not verify then how is this information 100 % accurate. In order to report on my file it must be 100 % accurate. The evidence and statement from the court prove your findings to be inaccurate and incomplete Experian lack of properly investigating is in direct violation of my rights. The information reporting is inaccurate and incomplete. Please provide documents from the vendors used validating my identity. Attached will be statements from the courts and Experian response. Please remember that defamation of character and actively reporting false information on my credit report is violation and I will seek legal remedies. Cause how can this information be verified with the credit agencies if the clerk do not communicate with them. This means secondary agencies as well. So I ask if you are not verifying with the clerk of the court. Who are you and your vendors verifying this information with. The only way would be contacting the clerk of the court and getting something that certify your investigation findings. Take note identity theft have been reported also.
Product: Debt collection

XXXX XXXX  has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this Loan #  XXXX. I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptcy and a proof of this account being included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Product: Mortgage

I started working with Loandepot for the purchase of my first home, everything was great, I was prequalified on XX/XX/2019. I started looking at houses, condos, and townhomes right after my pre qualification, on Monday XX/XX/XXXX I submitted my offer and it was accepted. Later that day, After speaking to the loan officer that originally provided my pre qualification, I was advised by her that my file/application would be transferred to a local loan officer since I was going to be receiving down payment assistance thru a county program and she can not help with that type of assistance offered. No one from the local office has been in contact with me, I have called multiple times since XXXX, XXXX, XXXX, XXXX and left voicemails and no one has had the decency to return my call. I drove to the local office today located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX and there was no one there to help and the door was locked. My closing is scheduled for XXXX and we havent even gotten far.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information Also Known As : 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 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

Dear Experian, I am writing to address a concerning discrepancy in my credit report. I was dismayed to find that an item that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report. 

It is important to note that this item in question is a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. 

I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this issue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my credit profile. 

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

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

XXXX is reporting on my credit report as an open date of XX/XX/year> this is a closed account that was not verified by me and sold to a debt collector. The date and amount are not correct.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Sometime XX/XX/XXXX, my wife and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XXXX of XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from Fidelity Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.
Product: Checking or savings account

Subject : Request for Refund Update - Claim Number XXXX Dear [ Recipient 's Name or Customer Service ], I hope this message finds you well. I am writing to request further information regarding a refund I am seeking for a paid service that I did not receive. On XX/XX/XXXX, I made a payment of {$250.00} to the XXXX XXXX XXXX but have yet to receive the corresponding document or item related to this service. 

I initially reached out to the XXXX XXXX XXXX via email at XXXX ( mailto : XXXX ) to request a refund, but unfortunately, I did not receive any response. I also attempted to contact them through their XXXX page ; however, it appears that there have been no updates or posts since XXXX. 

After not receiving a reply, I contacted my bank, Capital One, to dispute the charge. The claim number for this dispute is XXXX. I provided the bank with a receipt for the charge and a screenshot from the XXXX XXXX XXXX 's website, which mentions that I could request a refund if I was not satisfied with the course. 

Regrettably, I was informed that the dispute was not resolved in my favor, and I have not received any additional information regarding the reasoning behind this decision. I kindly request more clarity on why I am unable to obtain my refund, as well as any further steps I can take to resolve this matter. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Debt collection

I own a company and a collection company - Regional Financial continues to call my business trying to collect a debt from one of my employees. 

I do not know the debt but they call repeatedly after being told to stop. 

It is a business line.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX  , MD XXXX ( XXXX ) XXXX Made by : XXXX  XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20, out of nowhere, Bank of America closed all of my credit cards. I had only known this from my cards being declined -- there was no notice at all in the mobile banking app nor any emails. When I called that day, they told me I had 3 weeks until my entire account with the bank ( Checking, Savings, 3 credit cards and 2 investment accounts ) will be fully closed. I have been a customer for over 10 years and was just recently upgraded to their Premium Rewards tier. They won't give  me any explanation except " it was a business decision. '' My credit score stands to get hurt because those were my longest cards, and I can't even redeem reward points ( {$300.00} ) I earned over the year because they closed my cards. They won't even give me the decency to have a conversation about why they did what they did. When I tried to talk to the rewards support team, the agent transferring me hung up on me, not letting me talk to the team. 

The letters I did receive regarding the account closures were sent piecemeal and days apart ( 2 on XXXX, the rest on XXXX ) -- had I not called, I would have lost a week to get my finances in order. How hard is it to send a message via the banking app or email?
Product: Credit card or prepaid card

Chase has not processed my recent fraud claim accurately, and has failed to incorporate my own statements to them. This is a violation of the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted. 

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.
Product: Student loan

I was advised to consolidate my loans through Navient 25 years ago. I have religiously paid my student loan for 25 years now. 

I have applied for Student Loan Forgiveness on 3 different occasions because I have worked for a XXXX XXXX for the past 25 years. I am a XXXX XXXX XXXX and would qualify for loan forgiveness under the highly qualified loan forgiveness program in addition to working for a low-income school. I am disheartened because I was denied the Loan Forgiveness program because I consolidated my loans one year prior to the law being passed. 

Each time I inquired why my loan could not be forgiven NOT one EMPLOYEE at Navient has educated me that I could possibly qualify for loan forgiveness under the Public Loan Forgiveness Act and I had to seek loan consolidation through a federal student loan agency. My student loan would have been forgiven thousands of dollars ago.
Product: Debt collection

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$270.00} to my RobinhooXXXX account to purchase XXXX XXXX with the intention of transferring it to my personal wallet. I had previously made a similar purchase and transfer without issue. After trying to transfer to my personal wallet, I received a message that my account was restricted and I was unable to move funds in or out of my Robinhood account. A few days later I received a phone call where I answered questions regarding my familiarity with XXXX. I was told I'd receive a follow up a few days later. I have since received XXXX phone calls where I answer the same questions and am told to look out for a follow up. My account is still frozen. 

I was able to sell my XXXX in Robinhood on XX/XX/XXXX for {$340.00}, but I am still unable to transfer the money out of my account. I am fully verified and continue to answer any questions on the occasions Support contacts me. No one can give me an ETA on when my funds will be released.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft for almost over 2 years. Certain companies I may have disclosed information with regarding my personal life and finances. Companies and individuals with a little technology and access, exploited my social along many of my bank cards and information. I have disputed a lot of transactions I did not recognize and as a result nothing has changed as far as my credit history or trust. I do not qualify for basic things in life because of poor credit and it prohibits me from enjoying certain activities I once had access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check with Experian, XXXX  and XXXX or please contact me via email or by phone at XXXX so that I can send all the details but the bottom line is that I am dealing with discrimination and also having a lot of trouble getting my credit reports corrected with all three bureaus. I over the span of this year have submitted disputes via phone, email and written and I am still having a lot of trouble getting this corrected in a timely manner. Please respond back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted TransUnion on XX/XX/XXXX after I my background check failed for a prospective employer. At that time the report failed because it stated that my social security number didn't match my name. During my conversation with TransUnion I was advised that my social security number had been crossed with another account and the issue would be fixed. I then ordered a copy of my credit report where I noticed several account, addresses, phone numbers as well as another name that didn't belong to me on my records. I then contracted with a credit restoration company to begin disputing the information. I sent several dispute letters to try and get the information corrected and each time TransUnion came back and told me that the information had been verified as correct. On XXXX XXXX I sent a letter to TransUnion asking them to provide proof as to how the information was verified, I received a letter back from TransUnion advising me that they are not require to dispute items previously verified as accurate. I then sent a Personal Identifier Letter to TransUnion on XX/XX/XXXX which contain my legal name, date of birth and my address along with a copy of my ID, ss card, and proof of address. Then today XX/XX/XXXX I received several monitoring notifications that showed TransUnion added 2 additional address to my account. One is a previous address that I stayed at which isn't a problem but I am showing several address in both Missouri and Texas that I have never stayed. This is seriously having an affect on my credit and my life. The person who's name they have listed as my alias XXXX XXXX stole my identity over 30 years ago and I have been trying to get this issue fixed not to mention that I have had my identity stolen several times. My information was found on a computer confiscated by an individual back in XXXX, I filed a report then, my information has been leaked in both XXXX and XXXX   breaches. At this point I just want TransUnion to correct the misinformation before I miss any more opportunities.
Product: Debt collection

A recent review of my credit report revealed accounts that seem to have been added without my authorization. Kindly proceed to block and remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

Transunion : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX