23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just refinance my mortgage with The Money Source via XXXX XXXX. Now that the loan came though i tried to go online to the money source and got a warning this site in secure do not share any financial information ... This company is putting every one of their borrowers in danger ...
Product: Credit reporting or other personal consumer reports

In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

To : Consumer Financial Protection Bureau Re : Complaint - ShellPoint/NewRez Mortgage The following statement serves as an addendum to the attached complaint ( doc ). 

As the closing deadline has passed, we are now faced with a fee of {$1200.00} to extend the rate lock with XXXX, which is now an additional expense coupled with the unwarranted late fees imposed by ShellPoint/NewRez. Following a review via ShellPoints online portal, they applied our overpayment for the month of XXXX by assessing another late fee despite being told that the payment would not be late if made by the XX/XX/2021. This too was a result not being fully informed regarding XXXX payment as we were in the process of a closing date. This situation has presented us with a significant loss of thousands of dollars in savings, by the unfortunate actions and inaction of ShellPoint/NewRez. Subsequently we have lost the opportunity for our VA IRRRL. 

Our current mortgage rate with ShellPoint is 3.5 % and new IRRRL was locked at 2.875 % with XXXX. 

ShellPoint also delayed acceptance of the electronically signed Borrowers Authorization Form, informing the title company that the e-Signed request was not acceptable ; the hand-signed copy was subsequently accepted, thereafter. There were response time delays as well. 

This is truly heartbreaking and unacceptable behavior from a financial institution. As a veteran, I served my country, live a life of integrity, pay my taxes and bills. My wife and I are justified in forecasting a future with reduced debt via the now missed opportunity for an IRRRL. The adverse impact to my credit rating is unjust. This experience with ShellPoint/NewRez is suspect regarding the timing - as we were on the cusp of closing with XXXX. 

I have included a 1 year ACH payment history demonstrating on-time payments. 

XXXX, XXXX XXXX
Product: Mortgage

i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before
Product: Debt collection

I found accounts on my credit report that appear to have been added without my permission, and I believe they are incorrect. I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX : XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reached out to Capital One multiple times in XXXX and XX/XX/XXXX regarding an unauthorized account on my credit report. The account, which was supposedly closed and opened in XXXX, was causing significant issues. Despite my repeated attempts to locate and resolve the issue, Capital One was unable to find the account or associate it with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. 

Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. However, on XX/XX/XXXX, I decided to escalate the issue by calling Capital One again. I provided them with the account number I had received from my transition and refused to end the call until I spoke with someone directly about the matter. 

Capital One acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its supposed closure. However, they stated that they couldnt find any association between the account and my existing credit profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call Capital One numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Product: Vehicle loan or lease

I sent a letter of removing late payments. 

Consumer law violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureaus is reporting erroneously on my credit file. I did not receive any letters, calls, or notices about this debt. It was not until i checked my credit that I noticed this debt. That in itself is a violation of my 30 day right to dispute. I called and paid it immediately and requested they remove this from my credit file and they denied. That was a few years ago and it is still on my credit file. I have called multiple times to try and get this removed from my credit file and they refuse. This debt has been paid off and i need it removed from my credit file. It is now getting in the way of me being approved for financing and that is not ok. I do not owe them anything anymore and as they had the power to report this debt I know they also have the power to remove it. If it is not removed and i am still denied financing due this PAID collection on my file that is still affecting my credit scores i will have to contact an attorney and take further action. I need this account removed from my credit file ASAP.
Product: Vehicle loan or lease

Refuses to give me a copy of the title with XXXX XXXX ( required for new state registration ). First requested XX/XX/22. Requested many times since.
Product: Credit reporting, credit repair services, or other personal consumer reports

names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Product: Credit reporting or other personal consumer reports

I sent Im several letters with my identification and social security number showing correct information and it was not updated.
Product: Credit reporting or other personal consumer reports

I did not grant permission to these entities to access my credit report, nor did I apply for any credit or services that would necessitate such inquiries. As such, these inquiries were made without my consent and are fraudulent.I kindly request that you investigate this matter to ensure that these unauthorized inquiries are removed from my credit report. 

I have also contacted the relevant credit reporting agencies and the companies involved in the inquiries to dispute these entries.
Product: Bank account or service

Navy Federal Credit Union blocked access to my checking, savings, IRA and credit card accounts. I 've called for the past four weeks and I 've been informed that only one person can explain what is going on. I 've left numerous voicemails for XXXX in their Security Department and he has not returned my calls and no one can provide me with answers on why I am not able to access my account.
Product: Checking or savings account

My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX  I had this problem with TDs manager before 4 weeks and now with TD Bank. This is what happened. I have two business accounts under one business name. One had money {$4000.00} and the second one was negative. I wanted to withdraw {$3500.00}, but the manager refused to give me the money unless I cover the negative account. So as u know every day Money goes inside the account because its business account. And I have 60 days to get over the negative account. Plus they all ready took overdraft fee.So how comes she refuses, its two accounts, I had no suspicious, suspension at my accounts or any block. So how comes she refuses. I had to pay the order came to me same day. She made me day very bad. In the beginning she ask about my name, I told her my name is XXXX, I dont know Id she is races or she thought had powered to stop my withdrawal. I was angry and screamed in the bank, one of the customer fought with me by talking and told me go to my country. The manager told me that here is my name go make a complain do what u want. I called TD bank to make a complain then I talked to the supervisor, then he told me hell send the complain to go forward. In two weeks no body responded to me. I called back, then the representative told me the supervisor forgot to send the complain and he put the complain in draft. I said ok no problem. Then she told me, they will give it to higher position, his name XXXX XXXX. So she said he will call me in same day. But he didnt, I called him second day and left a message to him and he no contact me. Then I wait two more weeks and no body care about my complain and how I feel as a customer for 7 years in TD with two business I have with them. I want make complain at the bank and their manager. The branch at XXXX XXXX and XXXX XXXX my. The manager name is XXXX XXXX. I hope u hear my voice.
Product: Credit card

I purchased a fence from a lowes contractor. He told us we had a XXXX  month loan, we calculated the total payments. Paid those and were charged XXXX in interest because of an accidental charge for stone on the account that wasnt taken off. 

This Lowes store is one of the worst stores Ive dealt with. Weve had several issues where they damaged goods delivered and damaged goods loading them into our vehicle. 

The fence isnt even a good fence. The door is splitting and I havent been able to get the company to get out and fix it. 

Lowes in XXXX XXXX. Terrible employees, terrible environment, terrible quality.
Product: Credit reporting or other personal consumer reports

I have worked very hard to get my credit to fair/good. I applied for a personal loan with Net Credit and on XXXX XXXX as my score actually went up with experian my transunion score went down XXXX points. I called transition and they gave me your number. I must of gotten over XXXX emails with decisions regarding the loan. I've never been late with payment so it has to be the hard inquiring. I called Net Credit and got nowhere.I put a freeze on my transunion as the other two are fine. Please help me Do I need to unfreeze my report?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

This happened in XXXX My back pack was stolen from my car I didnt see the person face I got off my car to get some coffee when I returned to the parking lot my window was broken Unfortunately last year my XXXX XXXX XXXX XXXX XXXX  with my XXXX was stolen too Please Im begging you to clear this off my credit report
Product: Checking or savings account

Use Citibank bill pay to pay rent each month, in which {$4000.00} is deducted from my account, and Citi mails a check. The XXXX check was never received by recipient. In XXXX, requested a reissue. 
On XX/XX/XXXX, bank credited my account for XXXX check ( paymentXXXX ), but rather than issue one new check for {$4000.00}, it issued two checks, reducing my account by {$8000.00}. 
I notified bank using online chat of the issues on XX/XX/XXXX. I was advised they would credit my account by XX/XX/XXXX, so long as check wasnt cashed. 
It is XX/XX/XXXX today, my landlord returned the physical check to me ( # XXXX, check # XXXX ), thus confirming its not cashed. 
Citi have still not made my account whole, which means my payments from my account will default from today. On advising Citi that they need to find a resolution to ensure Im not penalized for their error, they advised they will provide no assistance. 
Im still missing my {$4000.00}.
Product: Debt collection

I was severely injured at work and required XXXX  XXXX. I did not have insurance at the time and was self-employed so I was unable to pay the medical bills and needed time to recover. XXXX XXXX  where I received treatment has their departments all separate so XXXX  was billed separately as were the XXXX  charges and the XXXX  's charges. by the time I got situated where I could start addressing the financials the XXXX  dept. had already sent their bill to collections which happened to be before the XXXX  approved me for 100 % financial assistance. They show a XXXX balance on their records however NATIONAL RECOVERY AGENCY is still reporting this to my credit report and attempting to collect payment. I have opened a dispute with credit karma which is pointless because none of the credit bureaus have any record of a dispute so I then filed a dispute directly through XXXX and sent a letter of VALIDATION to the collection agency, the dispute has been closed as the collection agency reported that it is accurate information even though legally they are not allowed to until they have satisfied my request for validation which they have not nor can they. next, I will file any relevant law suites against them as this is causing me serious harm.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid {$200.00} to a XXXX user, " XXXX XXXX, '' for a XXXX XXXX transaction. The transaction was paid through my Venmo account balance to the Venmo account user, XXXX XXXX, @ XXXX. XXXX XXXX, XXXX XXXX, or XXXX XXXX ( probably all fake names ) never delivered the item. When confronted through the XXXXXXXX XXXX they admitted to being a scammer and proceeded to leave the conversation. 

On XX/XX/XXXX, I reached out to Venmo support to report the fraudulent charge. XXXX XXXX from Venmo support stated that their team would " take appropriate actions against that account '' as well as have the specialist team " get your money back. '' All quotes are verbatim what XXXX said. 

I had to personally follow up with Venmo weekly in order to obtain any sort of follow up. On XX/XX/XXXX, they informed me that they denied my unauthorized payment claim and closed my case, even though I have written proof of the other party admitting to being a scammer, taking my money, and refusing to deliver a promised service.
Product: Credit reporting

EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.
Product: Payday loan, title loan, or personal loan

I had took out a title loan and had to file bankruptcy a few months after taking out the loan and this loan was included in the bankruptcy. I was able to get that dismissed and then I get a letter they had possession of my vehicle and were going to sell it in 5 days. I made an arrangement with XXXX XXXX to pay {$1000.00} by the following Tuesday XXXX. She ended up raising it to {$2000.00} and then {$3000.00} by the deadline saying XXXX XXXX would not allow her to take less. I was able to get the funds to them. They also claimed I was being charged storage fees that they were renting a space to store my vehicle. I paid the balance off a few weeks later and it turns out they owned the lot my vehicle was at behind one of their stores. I am requesting a refund of the difference in the agreement of {$2300.00}. This company is unethical, misleads and are untruthful in dealing or making payment arrangements with the public. If they somehow take possesion of your vehicle they will charge additional " made up '' fees and hold the vehicle hostage to get additional money out of the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX  refused multiple times to completely BLOCK the Discover Card Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been 60 days now with no response from the bureaus which is just complete disregard for the law by not responding my consumer disputes. I hope that this will be the last time they completely ignore and disregard my requests.
Product: Debt collection

Credit collection services continued to text me and call me after I have asked them to stop numerous times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I do not owe credit collection services anything I never signed with them they have continued