23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX I was contacted by Quicken Loans about a refinance. I was pitched and FHA loan at a rate of 2.99 %. I explained to the representative XXXX XXXX that I did not want to have closing costs if I were to proceed. He explained that at the time my closing costs would be {$2500.00} but they could end up being zero, we just would know until the hard figures came out. I received a closing document that stated my closing costs would be {$5000.00}. I spoke with XXXX in XXXX about this and he told me that the numbers would change and that my costs would be about {$1500.00} prior to making XXXX 's payment. He then explained that after making XXXX 's payment that my closing costs would come down since I made that payment. Today i received a document stating my closing costs would be XXXX and my closing will be within the next 10 days. I contacted XXXX and he explained the cash to close are actually XXXX. I was extremely frustrated because my cash to close now went up by {$500.00} after making my {$1500.00} mortgage payment. He attempted to explain that the cash to close can change month to month and gave me a response that it has to due with things that happen on the back end. Quicken Loans is engaging in false and deceptive sales tactics in order to get their foot in the door to get customer 's but are not honoring what they are advertising. Quicken Loans is using an old deceptive sales tactic by making verbal agreements and promises but then changing the terms last minute. This deceptive practice works well in the sales because most customer 's will agree to move forward due to the amount of time already invested and do not want to start the process over.
Product: Debt collection

I am disputing the validity of this debt owed. I am currently working with a lawyer because Portfolio Recover Associates, didn't provide accurate or necessary proof of debt. 

They also continue to call my work and my phone. They have even resorted to texts. I have told them on numerous to stop contacting me. They don't stop. I have attached a screen print of them continuing to contact me.
Product: Credit card

When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.
Product: Credit card or prepaid card

Good morning, In the month of XXXX I logged into my credit card account with Citibank. 

I noticed that I had a hyperlinked message. 

When I clicked on the message it told me that my XXXX payment had not been made and I was charged a late fee. 

Perplexed because I know that up until XXXX autopay was working and payment was being drafted from my bank to to pay my monthly bill. 

On Friday, XX/XX/2020 I jumped on chat and waited 1.5hrs to chat with a representative. 

To my surprise I was told by the representative from Citibank via chat that the payment was canceled by " me '' via email. 

Knowing that I never requested to cancel my autopay I pressed the representative for further explanation. 

When I pressed him to produce the document or communication that " I '' canceled my own autopay he told me that he couldn't send me documentation only that the system was showing I requested to stop my autopay. 

I want the late fee waived and I want answers how this happened.
Product: Money transfers

Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this Covid-19 Pandemic, I did not receive mail from a creditor and the creditor did not contact me via email or phone. I received an email from XXXX stating that a creditor reported adverse info on my credit reports. I contacted the creditor to resolve the problems but have not received verification that the reported info was removed from my credit reports.
Product: Debt collection

I have sent repeated disputes and request to verify information. They fail to do so. I sent another request on   XX/XX/XXXX  and  XX/XX/XXXX  and  have yet to hear anything This is a predatory collection agency who updates my credit report monthly with derogatory information. I never entered into any contract or agreement with this business. I never received any notification of any form of this alleged debt before it was attached to my credit reports. This has caused me severe financial hardship and has made it extremely difficult for me to obtain credit. There are several complaints of this company online with similar situations. I truly believe they have violated the FDCPA numerous times.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud and I recently I received a copy of my credit history report from XXXX. That Report contained incorrect information reported by you. 
I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, Equifax and XXXX , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my driver 's license as proof of the only personal information that should be listed on my credit reports. All other information is inaccurate and needs to be removed immediately.
Product: Credit card

Merchant : XXXX XXXX XXXX XXXX Ref : XXXX - Disputed Amount : {$31000.00} USD Ref : XXXX - Disputed Amount : {$610.00} USD Please allow this letter to be the explanation for the two charge above. I and my father went to XXXX XXXX XXXX XXXX for my father treatment on XX/XX/XXXX. Initially when we came to the hospital, as they dont know how much for us to pay at the end they asked me to sign a authorization form for the credit card and they put a hold for XXXX XXXX which is {$31000.00} USD to my card. This is why the {$31000.00} USD transaction is showing up on XX/XX/XXXX on the first day even though my father did not get the treatment from them. The treatment started later on that day, and completed with a XXXX and my father had to stay in XXXX  for 1 day and get discharge on XX/XX/XXXXXXXX   ( see attached ). Right before the discharge, they asked us to pay in full before we go back to our country because were international visitor. 

We then came to the counter to pay them in Cash for the amount of XXXX XXXX which is {$31000.00} USD and XXXX XXXX which is {$610.00} USD. I paid XXXX XXXX in cash even as XXXX dont have denomination of XXXX cent and we did not have the cent so we rounded up. We was supposed to pay only XXXX XXXX. They then allowed us to discharged and go home. Please see the email below they sent on XX/XX/XXXXXXXX  to me confirming the cash payment and let us go on discharge day just ' minutes after the discharge. 

They claimed in their response to AMEX that the email and documents I provided are not valid, however, those documents were printed directly from XXXX Service and directly from their email. If they say its not valid, why does it come from their email that match what is provided from their website and in their document. They did not answer part, they claim the email is invalid without any proof or evidence. The address and email match with their info on their website. 

Moreover, the proof from them does not have my name or my father name or anyone that associated to this card. I think they got the wrong file from another patient as you can see the last page of their response, they include a credit card authorization form for. 

I dont know who are XXXX XXXX , XXXX  XXXX XXXX , and XXXX XXXX XXXX . This must be the mistake from hospital as they take a different profile to process my case. Again, my XXXX name is XXXX XXXX XXXX as document from them provided to you. 

Therefore, both of my dispute are valid and I should get my money back. Moreover, their evidence is invalid as it got the wrong name on it. Also they just make statement without any evidence. Please help me get my money back. All the above mention evidence are attached to this PDF letter below. 

AMEX just never do their job. Everytime I re-submit the claim with evidence, they don't even take a look and just denied my claim on invalid evidence with wrong name that merchant sent back in XXXX. AMEX does not respect the customer answer. Sometime, the agents are even discriminating.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account on my credit report is inaccurate on my Experian report. 
XXXX and XXXX have deleted this collection account. 
I have the documents to support this dispute.
Product: Debt collection

I called their office today and the receptionist refused to transfer my call to a collector. I am just trying to get an itemized statement so I can pay this account. Please do not contact me via phone, I JUST NEED AN ITEMIZED STATEMENT MAILED TO MY ADDRESS PROVIDED.
Product: Debt collection

On XX/XX/2020 I spoke with XXXX XXXX XXXX and they advised they have no reference of the alleged account that Enhanced Recovery is reporting. I have attempted to contact the creditor and the number is none working.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received notice from Experian that my dispute was now open. On XX/XX/2022 I received notice that my dispute was complete. I sent in the documentation showing that the judge ruled in my favor and that I do not owe the company anything because of it. Experian failed to remove the collection from my credit report. They stated that they updated my information on my credit report. They couldnt have updated it because the collection is on there.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX, XXXX? 
My Answer : Loan closed XXXX XXXX, XXXX. The XXXX website says that based on this date, I am eligible. 
2. I have little or no equity in my home? 
( My Loan-to-Value ( LTV ) is greater than 80 % ) My Answer : Yes. 
3. I have had a good payment history on my mortgage for the past 12 months? 
My Answer : Current since XXXX XXXX ( 4 years ) 4. This is my first time refinancing with HARP? 
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : " You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP ), if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX, XXXX My Answer : XXXX XXXX XXXX XXXX, XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months, you 've been more than 30 days late with your payment only once. 
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance, you 've not been 30 days or more late with your payment My Answer : Current since XXXX XXXX Here is a link to the site XXXX I again ask the following : 1. Where does it say that I do not qualify based on the guidelines listed on XXXX the websites of BOA and XXXX? 
2. Please tell me what those guidelines are, in writing. 
3. Why were we steered in subprime mortgages with credit scores in the outstanding range and a {$10000.00} down payment? Is n't this fraud? 
4. Am I being denied a loan refinance because I am XXXX? 
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that " if I had a modification granted, I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote, please provide it to me. My original modification was not a HAMP, but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites, I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth, why is it so hard for BOA to put the reasons for my disqualification in writing?
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting by Equifax under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) Dear CFPB Representative, I am writing to formally dispute the inaccurate and erroneous information reported by Equifax on my credit report. This reporting violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate, complete, and verifiable information. 

Upon reviewing my credit report, I have identified the following inaccuracies : Collections : THE BUREAUS : amount {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : amount {$8600.00} Despite my previous efforts to resolve these inaccuracies directly with Equifax, they remain unresolved. These errors are negatively impacting my credit score and financial standing, and they must be corrected immediately.

Under the FCRA, Equifax is legally required to : 1. Ensure accuracy in its reporting ( 15 U.S. Code 1681e ( b ) ).

2. Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ).

I respectfully request that the CFPB intervene and conduct a formal investigation into Equifaxs failure to comply with its statutory obligations. Furthermore, I request the immediate correction or removal of this incorrect information from my credit file. 
Enclosed Supporting Documents : A copy of my credit report, with the disputed items highlighted. 
Copies of all correspondence with Equifax regarding this matter. 
Any supporting documentation proving the inaccuracy of the reported information. 
I kindly request a written response from both the CFPB and Equifax detailing the results of the investigation and any corrective actions taken. If Equifax fails to comply, I am prepared to escalate this matter further, including seeking legal remedies for damages caused by their reporting violations.

Additionally, I am submitting this complaint through the CFPBs official complaint portal ( www.consumerfinance.gov/complaint ) for timely processing.

Please confirm receipt of this dispute and advise me on the next steps in the resolution process. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.
Product: Credit reporting or other personal consumer reports

The referenced account has been disputed since 2019. The cease and desist order was disregarded. Please see the attached pre-arbitration documents.
Product: Credit reporting or other personal consumer reports

I requested for my information not to be reported and they stated that per signed agreement it has to be reported. By law i have to be offered a opt out. No such thing was offered nor explained. They repeatedly call and pop up to my house. Call others and give them my personal information pertaining to my loan. The person that comes to my house takes pictures of my residence. They also never gave me a proper notice before reporting on my credit as well! My loan got behind due to being diagnosed with XXXX XXXX  XXXX XXXX and my finances has changed.
Product: Credit card or prepaid card

I made a purchase on XX/XX/22 for clothing for a total of XXXX and used PayPal to make the purchase. I was suppose to have received the package on XX/XX/22 through the XXXX who confirmed delivery on that date. I have never received the package and did file a police report for larceny, as I was out of town that day and my only conclusion is the package was taken. I have disputed the charge three different times on XX/XX/22, XX/XX/22, and XX/XX/22 with Synchrony Credit as I have not received the package, therefore I do not understand why I am being charged. I did reach out to the XXXX and there were many interesting facts associated with the delivery of the package that also raised a concern. For instance the package weight was XXXX ounces which is not possible for XXXX worth of clothing and the size of the package fit in XXXX personnel 's hand, which also seemed interesting and impossible. The merchandise I ordered was from XXXX XXXX and the return address on the package, in a photo that XXXX provided, was from a company XXXX XXXX XXXX XXXX in XXXX, NJ, whom I have never heard of and when I went to their website there is nothing I purchased available on their website. I have tried to explain all of this to Synchrony Credit and they continue to charge me for the XXXX worth of merchandise that I have never received. Furthermore, when I did contact the XXXX, they mentioned they recommend a signature upon delivery for any package over {$500.00}, which is a good idea to avoid this kind of incidence. I appreciate your help in this matter. I am requesting Synchrony Credit take the XXXX charge off my account for merchandise that was not received. Please note I have reached out to PayPal Synchrony Credit via phone multiple times to resolve this matter as well as XXXX XXXX and XXXX by email with no resolution.