23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account ( TJX # XXXX ) that should be removed from my credit report, as I have been removed from the account as an authorized user and not responsible for this debt. I have enclosed a letter confirming this information, along with my verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX XXXX XXXX XXXX not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf as a consumer. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates XXXX XXXX for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy. 
Mercedes Benz Financial is not an affiliate with such entities such as XXXX, XXXX, XXXX, XXXX, XXXX, ETC. 

Sharing my vital non-public personal information is a clear violation. 15 USC 6802 ( b ) Attached is the law located on FTC government website & FTC ID Theft Report. The FCRA govern Consumer Reporting Agencies to remain fair & accurate under 15 USC 1681 Congressional Findings ( 3 ) ( 4 ) ( b ) NOT Financial Institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, Experian and XXXX. Recently Experian completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business credit card with XXXX XXXX. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that XXXX XXXX is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like XXXX XXXX gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal  used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
Product: Mortgage

I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX  showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by XXXX. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.
Product: Mortgage

We began the refinance process in mid XXXX with Chase. The broker promised a low rate with little or no points. The initial disclosure attached reflects this. We had multiple conversations with this broker he had a different story every time we spoke. We did understand that some information would change. But he blatantly lied. We ask that our rate be locked verbally in a phone call with the broker and he verbally told me it was locked while I could hear him taping away on the key board. I assume for effect. He later then told me that no it wasn't locked and that there was a glitch with their computer system XXXX I have a phone recording I can provide ). He promised to work with us to lock in a lower rate and reduce the costs of the loan and that he would check the market daily so that we could achieve the best rate. After sometime, it was determined that an appraisal was needed they then hired an appraiser and only authorized an external inspection of the property and only completed one method of the normal three methods to determine property value while also cherry picking recent sales. The appraisal doesn't include the value of a detached accessory dwelling that is worth at least {$30000.00} dollars. I believe they influenced this appraisal to achieve an end objective which resulted in much higher closing costs and rates reflected in the attached updated disclosure. We felt pressured to pay the {$500.00} dollar application fee by the broker initially because " he claimed that he couldn't lock in the rates until we paid the fee ''. Then as stated above claimed that the rate wasn't locked in because of a computer glitch.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts.
Product: Credit card

XX/XX/year> I disputed a charge that i was billed in the wrong amount. Over billing of {$2000.00} ( XXXX XXXX XXXX. I contacted Capital One ( Savor Acct ) spoke to a Supv., named XXXX XXXX He refused to assist. Capital does NOT assist its card holders. I called the Company they to refused to assist. 

CAPITAL ONE issued a temporary Credit, but now stated they will reverse. In a day, they never gave the company a chance to RESPOND. One day. CAPITAL ONE IS TERRIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts added to my credit report are as a result of identify theft fraud Accounts 1. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to Experian via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) stating identity theft. 

As of XX/XX/XXXX, I have not received a response from Experian regarding this matter nor have they provided me proof to confirm this account actually belongs to me. Pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency MUST provide any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XXXX  - Certified Mail Tracking Confirmation ( received )
Product: Credit reporting or other personal consumer reports

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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to
Product: Credit card

I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.
Product: Debt collection

I was late on an account from XX/XX/XXXX to XX/XX/XXXX with XXXX. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the XXXX loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to XXXX. I spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to XXXX and not XXXX XXXX XXXX , XXXX. XXXX did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
Product: Checking or savings account

On XX/XX/XXXX and XXXX of XXXX, XXXX checks XXXX XXXX XXXX XXXXXXXX ) were mobile deposited into my nephew 's Wells Fargo checking account. The money was immediately withdrawn. The three checks totaled {$2600.00}. The checks bounced. Wells Fargo did not adhere to their policy of waiting 1 business day for funds availability. Also printed on the checks was 'Deposit of cash by XX/XX/XXXX ' ( No. 1765 ) and 'Deposit or cash by XX/XX/XXXX ' ( No. 1786 and 1787 ). Again, ignored by Wells Fargo. Upon a visit, they did determined the checks were forged as there were different handwriting and signatures. 

My account was linked to my nephews. Wells Fargo did recoup their lost funds from my own personal checking account. I am out {$2500.00}. 

Wells Fargo was very negligent. I did file with their fraud department. I was denied. I also filed an incident report with my local police department and the check forgery is being investigated.
Product: Debt collection

I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report
Product: Student loan

I did not receive a summons to appear in court to challenge or defend my self from XXXX XXXX XXXX and Allied Interstate LLC. As I understand, these entities needed to file a case and receive a court order to garnish my wages and that I am supposed to receive a summons to challenge or defend myself in court. The wage garnishment is not lawful because XXXX XXXX XXXX and Allied Interstate LLC. did not provide prior notice.These garnishments are causing financial hardship and may cause me to lose my apartment.
Product: Mortgage

Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.
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 trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX Mo ( XXXX ) {$490.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$530.00} Acct # XXXX XX/XX/XXXX XXXX  XXXX {$4500.00} Acct # XXXX XX/XX/XXXX
Product: Mortgage

Our HELOC loan was sold by XXXX to XXXX ( XXXX ) and then to SLS. We have made consistent payments with additional " principal '' and submitted on time to the servicing companies. After noticing not much reduction in the balance, we questioned XXXX ( contact no longer available ) on several occasions and was given the " run-around '' or not responded to. Once XXXX sold the loan to SLS, we advise them of the issue and asked them to provide us : A ) Actual amount borrowed on HELOC. B ) Total amount of additional principal payments made. And, C ) Total amount of additional payments applied to loan.
Product: Credit card or prepaid card

Told them couldnt pay because of Covid. Trashed my score and withdrew thousands from my checking to pay for the credit card without my consent.
Product: Credit card or prepaid card

After several months of communicating with the dispute department of Incomm Financial Services , Inc, regarding my VanillaGift Card issued by XXXX XXXX. I received a replacement card issued by XXXX XXXX XXXX with my name ( XXXX XXXX ) vs. ( Gift Card Recipient ) as I received in the form of a birthday present on XX/XX/XXXX. This replacement card has the exact same account number ( XXXX ) as the original but with a new expiration date of XX/XX/XXXX vs. the original gift card of XX/XX/XXXX and a new security code of XXXX vs. the original of XXXX. 
When I went to activate this new replacement card, I found it already had several transactions ( as did the original card ) already listed and with a remaining balance of {$14.00}. As I had already mentioned and documented back on XX/XX/XXXX when I tried to activate the original gift card which also showed several transactions and with an available balance of {$32.00} cents. I nor anyone known to me has ever conducted business on this account. All transactions are fraudulent and not activated by me or anyone known to me. The letter sent to me by the Incomm dispute Resolution Department after XXXX days of investigating my complaint on XX/XX/XXXX indicated the approval of a replacement card which should have been for the total of {$50.00} not {$14.00}. I have requested them to advise me of the details of their investigation and what they believe were the transactions they believe I or someone known to me may have conducted on this account. I also requested them to advise me as to how and what I can do to satisfy them that no person, me or anyone known to me, ever conducted business on this account. I also asked that they at a minimum advise me of their receipt of my request for further investigation and for them to immediately replace my card with a new card, and a new account number in the amount of {$50.00}. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

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.
Product: Student loan

In early 2019 I refinanced my student loan with XXXX XXXX as I was returning full-time to school in XXXX. I was told by the banker at the XXXX, MA XXXX who processed my loans if I wanted to defer my payments I would be able to as XXXX was in the XXXX XXXX XXXX Federal Direct Loan Program as a Deferment Eligible Program. 

In XXXXXXXX 2019, I finally decided to use in-school deferment. I sent the form on XX/XX/2019 and was told I would receive a response in 3-5 business days. Not receiving a response, I called on XX/XX/XXXX and e-mailed again on XX/XX/XXXX as an upcoming payment was due. The teller told me they could change the date while the form was being processed but I needed to pay even though the form would be accepted. On XX/XX/XXXX I was told that the deferral had been denied. 

I called XXXX on XX/XX/XXXX and was told that they only accepted deferrals from XXXX XXXX schools. I have confirmed with the US Student Loan Ombudsman that the school I attend, XXXX XXXX XXXX XXXX XXXX is a XXXX  XXXX school ( OPE ID XXXX ) and processes deferment requests as per the government regulations. I have successfully deferred my payments with two other banks who use the same criteria. 

On XX/XX/XXXX, I followed up with XXXX and was advised that XXXX could not defer my student loans because they use the National Student Clearinghouse Database and my information was not up to date in this system. I reiterated that I sent their approved form back with the school seal and my information, but was told to call the National Student Clearinghouse. Which I did, and was told by their customer service that they are only one tool that certain schools use and that as long as I have an OPE ID number the bank should take it, as that's all they do. 

I called XXXX back and was told that everything was incorrect, they don't accept all XXXX  XXXX schools, only some. When I asked if they could elaborate on this policy, I was told that my deferment was already denied and there's nothing they could do. I am unsure what decisions are used on top of whether or not they are XXXX  XXXX, as this was the first time anything other than their compliancy was mentioned. It seems like no one has any answers and I have been advised poorly and differently each time I have called. This leads me to believe that no information I am given will be accurate.