23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. 

PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year>, I filed a XXXX dispute relating to inaccuracies being reported on the LJ Ross Associates Account. While this account was in dispute, XXXX XXXX failed to mark the debt as disputed on my credit report, as required, underXX/XX/XXXXof the Fair Debt Collection Practices Act ( FDCPA ). XXXX also failed to ensure the account was annotated properly. Subsequently, on XXXX XX/XX/year>, XXXX completed the investigation and reported that XXXX XXXX verified that the account information was being reporting accurately and no corrections were made. Based on the account information that I have from the original creditor, as well as, my own bank statements, this account tradeline remains incorrect. Further, it confirms that the disputed information on this account is not being properly investigated. 

When I contacted XXXX to inquire into what information was provided by XXXX XXXX to verify the accuracy of the account in response to the XXXX XX/XX/year> dispute, I was told that my Name and Social Security Number was verified. This did not make sense, considering that my name and XXXX were not the items in dispute. Therefore, I requested further information as to what was provided by XXXX XXXX to support the information that is being reported and which was verified as accurate. Neither of the XXXX XXXX representatives that I spoke with could provide any explanation, although, XXXX of the XXXX continued to maintain that my Name and social security number were used to verify the information. 

On XXXX XX/XX/year>, I submitted CFPB complaint # XXXX requesting and investigation into the verification method that XXXX used XXXX ensure the accuracy of the XXXX XXXX account XXXX In response to this complaint, on XXXX XX/XX/year>, XXXX informed me that another dispute investigation has been opened into the errors on the XXXX XXXX account, which is still pending as of today. However, I have accessed my XXXX credit report several times since XXXX XXXX, to include today, and notice that ONCE AGAIN, the XXXX XXXX is not marked as dispute in accordance with the Fair Debt Collection Practices Act ( FDCPA ), section XX/XX/XXXX of the Fair Debt Collection Practices Act ( FDCPA ). 

This blatant, continued practice of ignoring laws that clearly state what information furnishers, debt XXXX and credit reporting agencies are required to do once an account has been dispute, egregiously violates of my consumer rights. 

Credit report, dated XXXX XX/XX/year>, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX. My XXXX XXXX XXXX was broken into between the hours on XXXX XXXX. I approached my vehicle to start it up before heading to work and noticed that my drivers side window was busted. I opened the door to see the inside of the vehicle destroyed as well as items missing from the vehicle. Items missing including my wallet. Contents in the wallet contained ( XXXX and XXXX XXXX XXXX Debit cards, XXXX XXXX card, Social security card and {$50.00} cash ) .. Other items missing from the vehicle were my reading glasses and 2 pairs of shoes et ... when i initially filed the police report the officer gave me incorrect case number. My insurance took care of the damages so i didn't keep pursing the investigation. Later I discovered that someone used my information fraudulently at XXXX XXXX XXXX. Ever since then, I have not been able to get a bank account. This is Really hurting the process of me getting and starting my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that CITI bank was unable to process request for account due to inaccurate information. I have never applied for credit with CITI or anyone else for a long time. There is a number to call but you must have the account number. I f=do not have an account number. Then they give an option to use your SSN but I entered my SSN and the recording said it was invalid. Now I m concerned I just gave out my SSN to a fraudster. 

The phone number given and the phone number I called was XXXX The ref number given on the correspondence is XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint concerning multiple unauthorized hard inquiries recorded on my credit reports by XXXX, Equifax, and XXXX. These inquiries appear to lack a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and corresponding regulations. 

The FCRA, specifically under 15 U.S.C. 1681b, stipulates that consumer reports may only be accessed for specific permissible purposes. These purposes include credit transactions, employment purposes, underwriting of insurance, or other purposes as outlined by the law. Additionally, 16 CFR 1022.34 reinforces these requirements by imposing duties on users of consumer reports to ensure they are obtained only for these legal purposes. 

Despite these clear legal parameters, my credit reports show multiple inquiries from various financial institutions and credit organizations without my prior knowledge or consent. These include inquiries from high-profile lenders and credit issuers such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and others across the XXXX major credit reporting agenciesXXXX, Equifax, and XXXX. 

The unauthorized inquiries span several dates and appear as follows across the credit reports : - **Experian** reported inquiries from entities like XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and others, all noted on the same date ( XX/XX/XXXX ), among additional inquiries throughout XXXX. 

- **Equifax** XXXX inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX, respectively, along with other inquiries dating back to XXXX. 

- **TransUnion** includes inquiries from XXXX, XXXX, and various others ranging from early XXXX to late XXXX. 

These inquiries have potentially negative impacts on my credit score and could lead to broader implications for my financial health and privacy. Under 16 CFR 1022.3, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information associated with inquiries and reports. The appearance of these inquiries without a permissible purpose suggests a lapse in these procedures and a possible violation of my rights under the FCRA. 

Given these concerns, I am seeking the CFPB 's assistance in investigating these matters. I request a thorough review of the inquiries listed on my credit reports to confirm whether they were indeed made without permissible purpose. If these inquiries are verified as unauthorized, I urge their immediate removal and appropriate corrective actions against the entities involved.
Product: Checking or savings account

Wells fargo XXXX various amounts totalling {$7500.00} they denied my claim froze my account closed it without returning my money to me
Product: Checking or savings account

XX/XX/2021 received a text from TD Bank that a checking account was opened in by me ( XXXX XXXX XXXX ). I had not opened account. Called TD Bank immediately and they were very helpful. I was passed to their Fraud Department and they confirmed a fraudulent account was opened. They confirmed by social security number, address and email had been compromised. TD Bank also confirmed a business accounts I was formally a co-signer was not compromised. TB Bank confirmed a closure letter for all accounts opened would be mailed to me within XXXX weeks.
Product: Credit card

ON XX/XX/year>XXXX  I RECEIVED SEVERAL LETTER THAT MY ACCOUNTS WOULD BE CLOSED FOR HIGH RISK AND FAILURE TO PAY. WHICH IS NOT A TRUE STATEMENT. MY JC PENNEYS ACCCOUNT WAS CLOSED WITH AN {$0.00} BALANCE. MY CARECREDIT ACCOUT WAS CLOSED WITH AN {$0.00} BALANCE. MY AMAZON ACCOUNT WAS CLOSED BALANCE {$840.00} CURRENT AND NEVER LATE. MY LOWES ACCOUNT WAS CLOSED BALANCED {$3600.00} CURRENT AND NEVER LATE. MY ROOMS TO GO ACCOUNT WAS CLOSED BALANCED {$3400.00} CURRENT AND NEVER LATE. THEN SYNCHRONY BANKS SAYS IM STILL RESPONSIBLE FOR THOSE ACCOUNT THAT I DIDNT REQUEST FOR THEM TO CLOSED. PLEASE HELP ME TO RESOLVE THIS SITUATION AND THANK YOU SO MUCH. 


MS XXXX XXXX
Product: Student loan

Refinanced XXXX loan using a referral link that gave {$100.00} bonus over 3 years ago. Bonus has been sitting at " Awaiting Approval '' status for over 3 years. E-mailed customer service on XX/XX/23 to see what's going on, but did not receive any reply.
Product: Debt collection

I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.
Product: Credit card or prepaid card

This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction
Product: Credit reporting or other personal consumer reports

XXXX and XXXX states that have " verified '' with Lexis Nexis that a bankruptcy public record exist under my name. 

XXXX and XXXX is reporting FALSE INFORMATION on my credit report. 

Lexis Nexis isn't reporting bankruptcy information to either of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with an attempt to obtain a line of credit and discovered that there are several inquires on my consumer report that do not belong to me. I have asked for these items to be removed from me report to no avail. The inquires were unauthorized by my person.
Product: Payday loan, title loan, or personal loan

The lady comes 2 my job harassing me..now she has been coming 2 my house harassing my children, who are under 18, when they get off the school bus ... she has also been harassing them when i am not at home and will not leave..my children are very scared
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX under the account name Jefferson Capital Systems XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Company claims to have a way to extend the time frame in which the card can be used, but the website does not offer a means to do so and there is no way to do so by calling their customer service number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

My daughter purchased a vehicle 6 years ago, which I helped co-sign. This was thru XXXX XXXX. About 11 months ago my daughter refinanced the loan with Capital One. The keyword being re-financed. I did not co-sign on this particular refinance, They even called me and asked if I wanted to be kept on the loan ... I said no, and they said I didn't have to be on the loan ... .she was doing this on her own. Well it has now come to my attention that they DO IN FACT have me as a co-borrower ... .I have signed nothing. They have fraudulently listed me on my daughters vehicle loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX