23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally applied for a mortgage with Loan Depot in XXXX. On XX/XX/XXXX, my wife and I selected out of the following 2 options, 1 ) no cash out refinance@ 2.85 % interest fixed 30 year, 2 ) cash out ( approx {$18.00} ) refinance@ 2.99 % 30 year fixed. We selected the 2nd option ( cash out ) and signed all the documents in ink on XXXX XXXX XXXX. The next process took a very long time due to several mistakes on the part of loan depot and their selection of what needed to be signed in ink and what what appropriate electronically. 

My former mortgage with XXXX  XXXX  XXXX  was paid off by loan depot on XX/XX/XXXX. However, the cash out portion was never funded by Loan Depot. I still have no received any sort of answer on how this is being funded ( direct deposit, check, etc. ) or an estimated date as to when. I have been contacting all of my contacts and customer service with Loan depot literally daily. I received a mortgage statement on XX/XX/XXXX for a payment due on the loan as per the terms I laid out in option 2. 

So to recap, my refinance has not been fully funded and yet Loan Depot is charging me interest on this remaining amount not yet funded and they will not return any correspondence. 

I certainly hope you can help me get to an equitable solution with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.
Product: Checking or savings account

I have this account since 2010 and never been charge monthly fee. suddenly and without any notice I start to be charge monthly fee. by contacting customer service they said there is nothing they can do about it, i need my money back period.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions.

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : 1. Capital One {$2700.00} XXXX. XXXX XXXX XXXX {$3500.00} 3. Hard inquiries Within five days after the transaction, you must comply with my request and prevent these transactions from being included in my consumer report. 
Thank you,
Product: Debt collection

I never open up an account with this company and i told them and they are not responding to me at all so i need this remove from my credit saying im late and i never open nothing with them before that's fraud.
Product: Credit reporting or other personal consumer reports

This serves as a subsequent complaint regarding the outstanding accounts requiring appropriate action to ensure the utmost accuracy on my credit report. Once again, I am requesting another investigation into the following items : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I called Equifax to request a credit report and a credit freeze, with great difficulty regarding the language barrier of the Equifax staff, I asked to speak with a supervisor. Continuing to have difficulty regarding the pronunciation of my name, I spelled out my first and last name. 

My report came and on page 6, Personal Identification Information list, " name on file '' which is incorrect. On the same page below my address it list " formerly Known As '' with my correct name.

On page 2, it list a name that is not mine. 

I called Equifax again, with the same difficulty of attempting to resolve my concern. It is unconscionable that what is apparent that the agency to monitor credit has been out sourced to another country. The difficulty in attempting to spell out my name and provide information all the while having concerns that the information is not being understood due to my pronunciation and their pronunciation of letters is unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against XXXX XXXX XXXX early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX  XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX  XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Product: Vehicle loan or lease

Will only give a settlement for three months to pay off, asking for more time to pay and still charging late fees
Product: Credit reporting or other personal consumer reports

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that XXXX XXXX XXXX securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Product: Checking or savings account

Navy Federal credit union has displayed XXXX XXXX XXXX discriminatory acts against me as a consumer and withheld access to my account doing so. This is disgusting & intolerable as I have all 7 recored calls of which I was deliberately hung up on for no reason whatsoever with disrespect and discrimination. Navy Federal has broken several federal violations and someone needs to be held accountable immediately On XX/XX/22 I contacted Navy Federal credit Union because I had no account access I then spoke to a representative who informed me that I would have to speak to a specialist due to my account having suspicious activity when I had not been notified by navy Federal credit union that there was any suspicious activity being done on my account, and she stated that there would be a 7min hold to speak to a specialist to assist me with this and I ended up being on hold for over 3 hours. When the specialist then came on the line she was very rude and disrespectful and did not resolve the issue at all and ended the call for no reason. I then had to call back and speak to another customer service rep who initially then tried to tell me that the last agent that I spoke with did not hang up one me, when she in-fact did hang up on me and tried to send back over and put me on another 3 hour hold without addressing the issue at hand so I asked to speak to a supervisor and the supervisor did not address the issue what so ever and hung up on me. I then had to call back for the third time only for them to hang up on me for absolutely no valid reason without resolving the issue. I feel as if I am being discriminated against because Navy Federal would not have treated their other customers in this manner. I have been in contact with the Navy Federal credit Union XXXX XXXX as well as XXXX XXXX XXXX to inform them what has been done to me. I still do not have any access to my account and am currently with out funds due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of XXXX I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) Ally Financial, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Product: Checking or savings account

They have been holding my money after they cashed my check. Chase put my money into a different account one that I dont have access to. Not once did I receive a letter stating what was going on with my money or that my account was being partially closed because my account isnt fully closed I still have access to it. I can log in like I have an account. 

Please refer to the following Federal Regulations ; According to Regulation CC ( Expedited Funds Availability Act ), banks are generally required to make funds from deposited checks available to customers within a specified timeframe. If a bank is unable to verify a third-party check through their own investigation, they are still obligated to follow the guidelines outlined in Regulation CC regarding funds availability. If a bank is unable to verify a third-party check but has no reason to suspect fraud, they may release the funds according to the standard funds availability schedule outlined in Regulation CC. The maximum number of days a bank can withhold funds is determined by federal regulations outlined in Regulation CC ( Expedited Funds Availability Act ). Under Regulation CC, banks generally must make funds from deposited checks available to customers within specific timeframes. If a bank 's investigation does not uncover any wrongdoing, they are generally expected to release the funds back to the consumer promptly. Failure to do so could potentially violate Regulation E and result in regulatory action.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists XXXX  XXXX XXXX the said debt collector consistently keeps updating an old debt which goes against Federal Credit Reporting Act and needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$400.00} ; XXXX XXXX XXXXXXXX XXXX : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$360.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

1. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law. 

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle. 

3. Violation of State-Specific Laws : Additionally, ILLINOIS state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.
Product: Debt collection

XXXX  in the amount of {$240.00} I asked them to provide me with ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent and unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I report all theft to you ftc and get no response or help from anyone. Paid for services and lost so much money.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to TransUnion, XXXX and XXXX for further investigations on those accounts which they've furnished on my credit report.
Product: Credit card or prepaid card

XX/XX/2020 XXXX  {$88.00} XX/XX/2020 XXXX XXXX XXXX  {$10.00} XX/XX/2020 XXXX  {$160.00} XX/XX/2020 XXXX XXXX XXXX {$140.00} XX/XX/2020 XXXX XXXX XXXX {$170.00} XX/XX/2020 XXXX XXXX XXXX {$210.00} XX/XX/2020 XXXX  {$95.00} I contacted Chase bank to dispute the charges because those transactions were unauthorized, so I waited 2 months till the bank sent me the letter, informing me that the transactions were valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and TRANSUNION have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I called TransUnion to make a formal complaint and request items to be deleted from my credit report.. the representative gave me the runaround and told me request was denied..
Product: Credit reporting or other personal consumer reports

Transunion is under a Federal Lawsuit and XXXX XXXX XXXX Court of Appeals has not signed and seal writ along with XXXX XXXX Supreme Court of Nevada. 

Transunion blocked credit card that was already approved. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}
Product: Debt collection

I received a copy of my credit report and found the following errors on Account Numbers : XXXX and XXXX with LVNV Funding LLC XXXX I am hereby requesting this company to confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing this company to cease collection of the debt while efforts are made to obtain verification. Until this is resolve with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Product: Checking or savings account

They emailed me they closed my account due to breaking a deposit policy, Ive used them for years with the same deposit. They owe me {$5000.00} in money in my account and wont respond to me. I can not even call them they said my account is closed and to email. I looked online & they did this to hundreds of people. I have {$0.00} to my name. They stole it and are not giving me access to it.
Product: Mortgage

My home real estate tax bill has not been paid by my mortgage company ( Amerihome ) since XX/XX/XXXX and has now incurred penalty charges. My county tax office has sent me a final 30 day warning before my property goes to tax sale. I sent the bill to Amerihome on XXXX XX/XX/XXXX and informed them of the delinquency. They responded on XX/XX/XXXX that they were informing their tax department. After 3 weeks I sent a message informing them again of failure to pay my real estate tax. I have not received any response on correcting this issue. On XXXX XXXX they stated they may have paid the wrong parcel number on a property we no longer own. I reached out again on their chatline, they informed me they opened a second case order and the tax would be paid by XXXX XXXX. On XXXX and again on XXXX XXXX I informed them the tax had not been paid. They said they are opening a third case to resolve the issue and they sent me a letter informing me they are still working on it. Meanwhile the County is about to publish my home for tax sale by the end of this month ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to this company several of times about the collection account that they are still reporting on my credit which was last reported in XXXX XXXX, but the account was paid in XXXX. This is hurting my credit tremendously, and I need this item completely removed. If we ca n't get this issue resolved I will be forced to file a legal lawsuit for knowingly destroying my credit.