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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Date : XX/XX/XXXXXXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open.  Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.
Product: Mortgage

On   XXXX   XXXX    2017 I Submitted  a complete Request for mortgage assistance to Nation Star and have requested Short sell. After multiple attempts at trying to save my home, I have tried everything including modifications and have been denied I am now seeking a short sell. When I submitted my  short sell request the date was  X/XX/17 , at the time my sell date was scheduled for  X/XX/17  I have provided all documentation requested from me. I and my realtor have been in constant contact with Nationstar to check on the status of the short sell. Nation star has confirmed that they have received all documentation pertaining to the short. After 2 months of review, Short sell was declined on  X/XX/17  due to upcoming foreclosure date of  X/XX/17 . I have filled a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Nationstar not allowing for a proper review of Short sell, This request and complaints have not yet been answered. Short sell was again reviewed and again declined on  X/XX/17 . Nationstar will not review any workout solution if under 37 days of sell date.Nationstar claim that the review process in under 37 days but i have fax confirmation that i have submitted all forms well over 37 days of foreclosure.. Shortsell was submitted  X/XX/17  sell date was  X/XX/17  This is well over 37 days of sell date. Nationstar Is now forcibly try ing to foreclose my home without following the proper procedures. If Nationstar proceed with this foreclosure they will be violatin g Homeow  ners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Nationstar to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without   providing a written explanation and a 30 day period to appeal the denial.
Product: Credit card or prepaid card

I got an text from a card that is getting ship to my address. A card I never heard of call Neiman Marcus. Also I have another card that I didnt applied to call XXXX XXXX XXXX XXXX which I call XXXX itself. Account are close and waiting for the credit Bureau to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed a copy of my consumer report from ( XXXX, XXXX, or XXXX ) and noticed some late payments posted on my consumer report for the following accounts : Account Number : XXXX Your company appears to be in clear violation of the law, pursuant to 15 USC 1681a 2 ( A ) ( i ) : - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) KIKOFF LENDING LLC making the report are not INCLUDED in my Consumer Report. 
A late payment constitutes transactional history, specifically MY HISTORY with your company. 
CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not to be included on consumer reports.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days from the receipt of this letter to update my payment history and/or delete all late payments from the below account ( s ) : Account Number : XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform. XXXX Zelle numerous times snd reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Mortgage

I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. 

Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. 

Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. 

To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. 

PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. 

I believe this is an intentional delay by PNC and they have are providing us bad faith.
Product: Debt collection

THIS IS NOT MY DEBT. I HAVE STATED MANY TIMES. I HAVE NEVER LIVED IN THESE APARTMENTS. THERE WAS PROOF OF ME SIGNING A LEASE. SHOW ME WHERE I SIGNED. WHERE I AGREED TO LIVE HERE. THIS IS FRAUD. I AM REQUESTING TO HAVE THIS REMOVED AS THIS IS FRAUD. I WILL FILE A POLICE REPORT. THIS IS FRAUD. IT HAS ALREADY BEEN REMOVED FROM MY XXXX AND XXXX. REMOVE THIS FROM MY XXXX. THIS IS FRAUD. I HAVE NEVER LIVED HERE. MY MAIL RECORDS WILL SHOW THAT. PLEASE REMOVE THIS BEFORE LEGAL ACTION IS TAKEN.
Product: Credit reporting or other personal consumer reports

Experian lied again with this complaint as yet once again THERE STILL WORKING ON THE ISSUE, of course this is another lie or stall tactic
Product: Debt collection

I received correspondence from this organization in an attempt to collect a debt. This company has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy.

7. A copy of all payments made with beginning and ending balances 8. original creditor.

9. If the company is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.

10.Proof of service showing attempts to serve said debtor.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address ( XXXX ) : XXXX Absolutely no phone calls from the company in any manner other than permitted I will cease all communication ( invoking my legal right to request to cease communication ) with the presumption that the debt is invalid and that I own XXXX responsibility ( in part or whole ) for the repayment of said debt.
Product: Mortgage

My account is up to date and is showing a 30-60 day late on my credit report. I need this removed ASAP. I will be wanting to refinance my home in the future and I need my credit report to be in good standing.
Product: Mortgage

In order to take advantage of the lower rates, I decided to refinance my current mortgage. 
NewDay USA had been advertising refi 's for veterans with no income verification, no appraisal and no out-of-pocket cost. This sounded attractive so I began the process on XX/XX/XXXX. The actual application date is XX/XX/XXXX. 

My house is currently valued at @ {$180000.00} with an existing mortgage balance of {$75000.00}. My credit score was XXXX and my wife 's @ XXXX so no problem there. 

During the application process I was told that with an equity position of 40 % loan-to-value no appraisal would be required, however, later in the process I was advised that an appraiser would becoming to do an appraisal. Also, as documents were requested to support the application I was very timely in providing the documents. later in the process on more than one occasion i was asked to provide documents that had earlier been provided. This happened more than once. 

Finally, during the week of XXXX I was told that we would be able to close the loan on XX/XX/XXXX. Because of a death in my wife 's family I asked that wee delay closing until XX/XX/XXXX. Closing was set for XX/XX/XXXX at XXXX XXXX. Earlier in the process I was asked to provide the name and contact information of a closing attorney. This information was promptly provided. On the morning of XX/XX/XXXX I went by my attorney 's office to validate closing time. They had received no information relative to the closing. When I returned home I called NewDay and was told that closing would not happen that day. I was again asked to provide information I had submitted earlier in the process. Somewhat irritated I did this. 

During the week of XXXX I received electronic disclosures to be signed before closing. These were signed and promptly returned. Then the week of XXXX, I received more electronic disclosures with no instructions. I finally contacted the processor and was told why new documents came. These were signed and returned and a promise that closing could occur soon. Finally was told that a closing notary would come to my house on XX/XX/XXXX, and documents were signed. As of today, payoff to the first mortgagor is still pending. If payoff does not occur before XX/XX/XXXX the mortgage will be late and late charge due. Not only do I not want to pay a late charge but I have never had a late payment in my life. ( Now XXXX years old ). 

So what is my complaint? First of all, a refinance with less than 50 % LTV should not take 3 months. A borrower should not have to continually provide documents a second time that have already been provided and I am not real happy with the potential impact to my credit history because of the delay in paying off the first mortgage,.
Product: Mortgage

Our mortgage co overcharged us for escrow which was part of our 2009 modification. I have submitted several times to you which provided documents on the escrow overcharge. I read where cfpb found Saxon and ocwen guilty of escrow overcharges. Why didnt they take our problem as part of their findings
Product: Credit card or prepaid card

Requesting audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for consumer credit transaction that occurred on XX/XX/2021.
Product: Checking or savings account

I am collecting the Pandemic Unemployment Insurance. The funds are dispersed by Bank of America onto a debit card. In the past I have had trouble using my card because they would check to make sure that I was making the transactions. However they allowed over XXXX dollars to be taken from my account. At first they told me it was a limousine company, then they said it was charged by XXXX ( I don't have a XXXX account ). I have been calling them for months about this. I spend hours each day on the phone with them. I have been told at different times that the money would be back in my account in one week, that my account is closed I have been hung up on after waiting on hold for three hours. Finally I was told that if I provided them with a police report they would return the money. I did that and they didn't return the money. I called crying because I had no money for my son at XXXX and a person on the phone told me my claim was closed. I went online and found out that people are having these type of problems all over the country with Bank of America. I am a single mother and have had to borrow money from my family to get by. Please help me
Product: Bank account or service

Hello, I am frequently overseas and use ATMs to withdraw from my US accounts. I monitor sites such as XXXX to find out the going rates and I have often called or written customer service to find out the exact rates being used to convert dollars to euros, for example. Customer service personnel are vague -- they tell me that the bank charges a {$5.00} processing fee and can charge up to XXXX percent more than the going rate, but they wo n't tell me what the rate is. If I press hard on the issue, they invariably send me to the XXXX Global Currency Conversion site XXXX -- which is the PREVIOUS business day 's highest rate, not that day 's rate, and includes this mind-boggling disclaimer : " Please note that due to possible rounding differences, the displayed rates may not precisely reflect the actual rate applied to the transaction amount when converting to the cardholder billing amount. The exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that XXXX determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction. '' So Number ONE : Can a consumer find out the ACTUAL RATE used for that day? 
Number TWO : Can banks actually post the rate they are using on their site and quit cloaking the matter? 
Number THREE : When I look at my withdrawals using the MC Global Conversion rates for that day or the previous, they still do n't add up correctly. It appears that my bank at least is adding XXXX percent or XXXX percent on to the fee -- in additon to charging their {$5.00} withdrawal fee. Maybe it 's {$4.00} more, maybe {$7.00}, but it never adds up correctly -- and they 're already ripping me off with a bad exchange rate and ATM fees at both ends. ( I have a letter in with my bank now and if they do not answer to my satisfaction, I will file another complaint with details. ) The total effect for consumers such as me is that we 're being forced to buy something without being able to see the price tag -- and the ATM never shows what is going to be withdrawn from my account if conducted in that country 's currency, which is cheaper than converting to dollars at the ATM. 
I find this cryptic, non-transparent behavior regarding access correct foreign exchange frustrating and simply wrong. This is a general complaint -- because ALL the banks I 've used shield the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX XXXX XXXX. XXXX XXXX XXXX has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX XXXX XXXX  ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX XXXX XXXX has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX XXXX  XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX XXXX XXXX used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX XXXX XXXX repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be XXXX out immediately!
Product: Checking or savings account

I was offered and accepted overdraft coverages and feel they did not give me what my contract told me I would get. My account was closed before I could pay the amount and sent to collection for being overdraft. I tried to work with the credit union and they refused. It is on my credit report reporting false information because I feel I paid for a service I did not get. I feel this is false and deceptive information the bank gave me about overdraft coverage for {$700.00}. I was even threaten by the collection agency about a medical debt from 2001 from XXXX XXXX and was told that it was also still a valid debt.
Product: Credit card

I submitted a report for a quality issue with a house my family stayed in over XXXX. Our vacation was ruined due tot he state of the house. The individual I spoke with in the end, I had to be transferred twice to managers, said they understood and had experienced something similar, but they still could not move forward. He said the bank/mastercard won't allow it. 

The original issue lies with the company XXXX XXXX, which we attempted to speak with but the resolution they offered was insulting considering what we went through. So we tried with the card itself, and they came back with the story that it couldn't be completed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and noticed some fraudulent accounts and inaccuracies. I would like removed from my credit report as it is hindering me from getting credit, and also causing hardship. 

Also according to Title 15 USC 1681 : As the consumer I have the right to privacy and I did not give written consent to furnish any information or these accounts.
Product: Student loan

Requested refund for student loans a month ago, my request was not turned in properly. They have no record of the request. 
My balance remains the same and the refund has not been processed to my account yet.
Product: Student loan

Navient began reporting in XXXX that my student loan is late/delinquent, but the COVID forbearance period is still in effect until XX/XX/2022. If they're doing this to me they're probably doing this for everyone else as well.