23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my wife and I applied for a mortgage loan through NVR mortgage. Shortly thereafter we were conditionally approved, and by XX/XX/XXXX of XXXX we had received an email that confirmed a closing date of XX/XX/XXXX. The email says, " this date is considered firm ''. The email also reads that any delay on the BUYER 'S part will result in additional fees. After moving across the country and paying to store our belongings, we reached out to NVR the day before close to confirm what we needed to bring to settlement. It was then that NVR told us our close had been moved to XX/XX/XXXX. This was never communicated to us at any point. Both online portals we had been using to submit documents still indicated a XX/XX/XXXX close. We had done our walk through of the home on XX/XX/XXXX, and the project manager on site also confirmed to us a close date of XX/XX/XXXX. Obviously he was unaware of the changes as well. NVR has told us they will " see what they can do '' about paying for our storage but refuse to honor the original close date. They claim the only thing holding up the process is for my wife to begin her new employment, instead of honoring the offer letter she has provided multiple times stating her salary and guarantee of full time work. Our commitment letter reads that the only thing required is verbal verification of employment within 10 days of closing. My wife has already been through her drug screen and employee health physical at this new place of employment but again, they are delaying until her first actual day of work. Both my spouse and I strategically took time off work, organized a move, set up utilities, etc., for a date that had been changed in XXXX that NO ONE communicated to us. We have our mail forwarded to a mailbox we don't have keys for for another 23 days. It is unacceptable that the buyer would have to pay a penalty for delaying close but all NVR has done is give us vague answers about how they plan on fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting late accounts when that account has been closed for 8 months, documentation attached. 

I shouldn't have but one address on my account, XXXX XXXX XXXX XXXX, I lived here my whole life. 

I have attached an affidavit of identity theft for removal of the following account and inquiries. 

Accounts XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX  XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed InquirieXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Mortgage Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Fin Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX
Product: Credit card

I havent worked with the organization XXXX XXXX I have been trying to fix my credit for months now and it is not working the credit bureaus, and the credit cards are not working and not removing any late fees such as XXXX  or Capitol One Auto Finance who I no longer have I need the fees removed as they were from XXXX when I was not working, it is ridiculous that no one will get back to me from XXXX to XXXX I was severely impacted and for some reason they will not remove these disputed charges even though I have paid them in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving alerts on my Experian credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : Credit acceptance XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

On XX/XX/2022 I called XXXX from my cell ending XXXX. Was guided to leave a voicemail. I left a voicemail indicating this debt that is showing in my capital one app of - {$290.00} was discharged in a federal XXXX XXXX  bankruptcy case : XXXX. 
I received a voicemail from an " XXXX '' advising me to call XXXX on XX/XX/2022 at XXXX PST. 

I called back just now and spoke to a rep who was hard to understand. She put me on hold to THE WORST HOLD MUSIC IVE EVER HEARD. BLARING TRUMPET/SAXOPHONES AT VOLUME XXXX. HORRENDOUS HOLD MUSIC. That hold music should be illegal because it makes people hang up so Capital One doesn't have to do their jobs as required by law at this " consumer protection department. '' I called again and received a rep named XXXX. I advised XXXX of my name and what was going on. She asked if I minded being placed on hold, I said I do not want that music again so she can mute me. She said she has no way of preventing the music. I then stated that I do not want to be placed on hold then and if she has a problem with that, transfer me to a supervisor. I NEVER ASKED FOR A SUPERVISOR. She asked if I minded being placed on hold in which I said Yes, I do mind. I do not want to be placed on hold. She then placed me on hold anyways, in which case I hung up. 

Very poor customer service skills, very very very rude to me. No listening skills whatsoever. Why ask a customer if they want to be placed on hold when you'll do it anyways? Why even ask? 

XXXX, terrible company as many agree. Moving forward, the debt showing on my app is NOT OWED. A court could agree that showing that negative balance and seizing any deposits would violate federal law, as the debt was included and WAS XXXX under the above case number. 

Capital One is violating federal law attempting to collect a debt that is not owed and I would like the CFPB to stop them from doing so.
Product: Credit reporting or other personal consumer reports

My latest credit report shows these credit inquiries that I did not authorize. 
I am writing to have these inquiries removed from my credit report. 
I have file an identity report with identity report Please see attachment
Product: Credit reporting or other personal consumer reports

By law, these inquiries are validating my rights by being reported to my credit report, they should be deleted immediately or legal action will be taken
Product: Debt collection

I have never dealt with this company claiming I owe a debt to them of {$460.00} and {$86.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe their company. They have yet to provide me this information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protecting act ( CFPA ) specifically cash app failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My ex wife and I have a consolidated spousal loan from XXXX. We applied for forgiveness in XXXX after meeting the 156 monthly payment threshold. We met all the original criteria and did not need the waiver to qualify. We applied and in XXXX of XXXX my portion of the loan was forgiven. However, another XXXX of my ex wife 's portion remains. The information provided by our prior servicer XXXX was lost in the transfer to Mohela so in XXXX of XXXX we submitted the entire package again to verify my ex-wife 's XXXX since XXXX. Not long after that her employment dates were finally qualified per Mohela the roller coaster ride started. Mohela then told us contradictory information about where our loan was in review. Twice we were told they were complete with the review and her time and our 156 payments met the criteria to forgive the remaining balance. They said they had sent our file to Federal Student Aid for final review. When I inquired with FSA this summer they told me Mohela still had our file. In XXXX we received a response regarding a complaint we filed with XXXX XXXX 's office that Mohela didn't understand why we were applying for PSLF when our loan had been paid off in XXXX. I had to correct them and say no-our loan was consolidated that year. Most recently in a subsequent complaint to XXXX 's XXXX 's office Mohela claimed in their written response which was 95 % form letter and 5 % information unrelated to our needs that they hadn't sent the file to FSA for final review and that they were still reviewing it. I hope it's understandable why we are filing a complaint again about this arcane and inept process for public servants. Now I'm trying to get a mortgage and this XXXX balance is impacting my rate for the loan even though the remaining balance is for my ex-wife. There seems to be no consequences for this poor service by a government contractor let alone their feeble ability to manage our student loan file. I have no hope at at this point after 15 of years of fighting five different servicers over this program. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been monitoring my credit for some time now in an effort to improve my score. I utilize XXXX XXXX and check it weekly as well as whenever I get an update from them. I checked my score today XX/XX/18 and saw my Trans-union score dropped by 41 points and my XXXX increased by 53 points. I checked Trans-union details and saw the ONLY change was the REMOVAL of a hard inquire ( XXXX  ). I contacted Trans Union and the first gentleman that I spoke with obtained my SSN and current address which he said he was updating. After I asked why my score decreased with only that one change he advised me he could not tell me and when I began to press the issue I was disconnected. 

I called back a second time and reached XXXX who essentially obtained my SSN and current address again ( it was not updated as I was told ) and told me she could not tell me why my score dropped 41pts. I asked to speak with someone who could and was transferred to her " supervisor '' XXXX who told me the same thing : there are several factors that impact my score ( I know this ) and scores are always changing and dynamic ( I know this too which is why I keep an eye on it ) as well as go to the trans-union website to check my report ( they charge for this and I don't want my report I wanted to know why removal of a hard inquiry negatively impacted my score ). Essentially NOBODY could tell me why the removal of this hard inquiry, the ONLY change, negatively impacted my score by 41pts. 

I'm frustrated and angry as I've been working to improve my score and have NO assistance with this issue from employees that seem to be outsourced to XXXX. Outsourcing is not a problem, except I've now given my SSN, full name, and current address to each employee ( 3 ) that I spoke with and despite me repeating my address several times for the initial employee to update it in their system it was not done and I was hung up on, so I don't feel confident my information is secure in another country by someone who said they were updating it. I want to know why my score dropped by one hard inquiry being removed and if they can not explain it then I need it corrected as I do not feel an essential " oh well '' suffices.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to remove a collection from a company who could not provide validation of my debt. XXXX XXXX instead sent verification that I did not ask for. This is a violation of my rights according to the Fair Credit Reporting act.
Product: Mortgage

On XXXX I requested Specalized Loan Servicing ( SLS ), the servicer of my mortgage to remove my escrow account, which I am entitled to do. On XXXX called to request they close my escrow account. The representative I spoke with put in the request and said I would receive a response soon. 

On XXXX I still had received no response, so I called SLS to check the status. The rep I spoke to " XXXX '' said they had sent me a letter. They said they emailed it. They did not, I never received an email or letter in the mail. But they did email the letter to me that day saying they denied my request due to the following : " The escrow account was a requirement for loan approval at origination and is required for the life of the loan '' I explained this is incorrect and asked to speak to a supervisor. They said a supervisor would call me back within 24 hours. I never received a call. 

On XXXX I called again, spoke to rep " XXXX '' and told him the information was false and they needed to remove my escrow account as I requested. I asked XXXX to provide me loan documents that documents what they are claiming and he could not. I again asked to speak to a supervisor. I was transferred to " XXXX '', he would not give me his name only initials " XXXX  ''. I asked " XXXX '' to provide me loan documents that document what they are claiming and he could not. " XXXX '' told me they could only see summary information about the loan, not original loan documents. He said on the documents he could see, nothing indicated it was " required for the life of the loan ''. They made their claim that I had to keep the escrow account " for the life of the loan '' not on information they could see but only on their assumptions. I explained to " XXXX '' he was wrong I have original loan documents showing it is NOT required for the life of the loan. I even emailed the document to him at XXXX. He received my email while on the call and acknowledged what I told him was correct. He said he would put in the request and I would receive a call back by Tuesday XXXX. That day came and went and I of course never got a call. 

I called again on XXXX to ask why I didn't receive a call as promised. I spoke to rep " XXXX '' employee id : XXXX. " XXXX '' claims they did call me on XXXX but I didn't answer. They didn't leave a message. I think they are lying again. " XXXX '' said they again denied my request. No reason given. Said I needed to mail in a " letter '' to open a " dispute ''. I told " XXXX '' I already have disputed and emailed to SLS proof that SLS has made a mistake or is lying. I demanded to speak to a supervisor multiple times but " XXXX '' refused to transfer me. I demanded that the escrow account be removed immediately as I'm entitled to do, but " XXXX '' refused. I informed " XXXX '' I would be filing complaints due to SLS 's dishonest business practices acting in bad faith. 

This issue has dragged on for 1 month now and should have been completed in a few days. Again I demand SLS remove my escrow account immediately which I am entitled to do.
Product: Debt collection

In XXXX XXXX I received a letter in the mail from Westlake Portfolio Management about my XXXX XXXX here in XXXX Fl. I applied for a personal loan with the company. I paid payments to the company. Apparently XXXX XXXX never forwarded my XXXX XXXX payment to the new servicing company I paid in XXXX XXXX. When receiving this letter from Westlake Portfolio Management. I called to inform them that I had paid the old company and asked for this company to send me correspondence regarding everything. I had paid my XXXX XXXX payment. I never received the information asked and they reported my late payment to the credit bureau. I have never received any payment statements nor have I ever contacted them and arranged anything in the letter they provided to the credit bureau. They says all calls are recorded get a copy of those calls. I never arranged anything with this company. I have contacted them in regards that the loan I had signed for is not an automobile loan it's a personal loan. But this shows up on my credit report as a car loan. I can't get a car loan because of this. The letter I just received in the mail is fraudulent I have never contacted this company for a payment arrangement.
Product: Checking or savings account

I opened a Checking and Savings account with Ally on XXXX I transferred funds from XXXX to Ally to open both accounts. The funds are already withdrawn from my account at XXXX and they have held the funds. I have NO ACCESS to funds there is no branch I have no debit card no checks. I have asked 3 times today to have a Debit Card overnighted or expedited to me and they said no this can not be done. I want access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all XXXX credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep on disputing XXXX reporting & it turns from several past due during 2017 to no data available only to have the past due entries placed back. I spoke to a supervisor & he told me they had to report whatever XXXX told them. I told him that wasn't correct & if it were there wouldn't be a reason to ever make a dispute. My current credit report shows most of 2017 as being paid late. There was never a late payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX  and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regard to Equifax Data sharing policy, I have called multiple times to resolve the issue over the phone. I am concerned and again am now raising a concern and inquiring to the XXXX XXXX XXXX account on my credit score account provided by equifax. I am again requesting a copy of the consent Equifax is claiming they have for sharing my data. you did not give me the opportunitiy to opt out nor did you clearly and conspicuously state that I was opting in. You did not tell me how to exercise how to opt out. I never gave consent. you did not respect my right to privacy. Equifax did not exercise their grave responsibility. You were unfair and partial and never had permissible purpose. Title15 ch. 41 & 94 subchapter 1 & 2 15 USC- 6802 15 USC 1681a3 & 1681a4
Product: Debt collection

XXXX XXXX left a message with all my personal information. they didnt even call me even though i have asked them to stop u less my payment is pass 30 days late
Product: Credit reporting or other personal consumer reports

A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with XXXX.