23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SEMPER HOME LOANS , INC. 
XXXX XXXX XXXX Loan Officer NMLS # XXXX I submitted my initial application on XX/XX/2021 for 2.5 % @ 30 year fixed. He told me I am eligible for {$1000.00} credits as well. I gave all basic info including the SSN for me and my wife, which is all what is required to initiate the application and lock in the rate. I took couple of weeks to upload my bank and income statements and as per FTC site, I have 60 days to submit all documents once I filed initial application and those are required for underwriting processes. No bank has ever asked me to upload all documents within minutes to lock in the rate. However, on XX/XX/2021, I submitted all important documents only to hear that my initial offered rate of 2.5 % is not locked in even after Semper pulled my credit. Also, the loan officer then try lure me to high rate stating I took couple of weeks to upload my income statements, which is only required for underwriting process. I was shocked and came to realize that he is running a scam by luring customers with lower rate and force them with higher rate by using illegal tactics. I request CFPB to kindly look into such illegal tactics and practises and take appropriate action. Thanking you, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by Law. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.
Product: Credit reporting or other personal consumer reports

Credit card balance is paid in full and on time at a XXXX balance. And increase of {$1000.00} credit line approved not reported with XXXX balance as a violation of Federal Truth In Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been emailing, calling and filing disputes with XXXX XXXX and Equifax & XXXX since XX/XX/2019 and submitted documents from Bankruptcy Attorney and problem is still not fixed. Mortgage is being reported as included in Bankruptcy which is incorrect.
Product: Checking or savings account

I currently bank with TRUIST. I also banked with both BB & T and SunTrust prior to the merger. The issue I am experiencing is that my bills have not been paid since before the end of XXXX. 
I set up Bill Payer on a monthly basis. After setting up the monthly bills to be paid each month, I check my account to make sure the bills were paid and to make sure funds are sufficient to pay the bills. My bills were not paid beginning XX/XX/year> to present. My bills were scheduled to be paid through Bill Payer and they were CANCELLED by TRUIST BANK. This was not due to lack of funds. I have been trying to resolve this issue with TRUIST since the beginning of XXXX. Due to the the delay in payment to one of my Payee 's, TRUIST jeopardized a " no interest '' credit card account that has been maintained without any late payments well over a year. Currently, I am still waiting for resolution to the problem. I have updated the Payees ' Information, Passwords and User Name to assist in fixing the problem. Instead, now my account is actively showing that 9 upcoming payments ( some double or triple payments to the same payee ), are scheduled to be paid. However, the " Transaction Details '' page is showing conflicting information that the Payee 's " Status '' is " Canceled ''. This would mean that the payee would NOT be paid. Most Payees are listed multiple times in an effort to resolve the issue per the directive from the customer representative on the phone. Are you able to assist with the banking issue?
Product: Credit reporting or other personal consumer reports

This debt engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX* DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was compromised while serving overseas. The following accounts were fraudulently opened in my name. I demand that the items be removed immediately. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$46000.00}
Product: Credit reporting or other personal consumer reports

This is a formal complaint that Transunion has been reporting inaccurate and incomplete account information to my credit file. I am distressed that Transunion have included the referenced inaccurate information on my credit profile. Transunion have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full with letter of deletion From National Credit Audit and should not be reflecting negative on my credit files. National Credit Audit has also expressed Efforts in reaching out in regards to this matter with no response in return. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), XXXX may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate. This is affecting my efforts in gaining residency.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX Account Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number :XX/XX/XXXX( Equifax )XX/XX/XXXX ( Equifax ) DXX/XX/XXXX and Equifax XX/XX/XXXX ( Equifax )XX/XX/XXXXwhich is inaccurate. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
Equifax : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I have already made this complaint before with XXXX but it is clear they want to point blame at UAS. This was the original complaint I made here to XXXX : " I lost my job in tech back in XXXX of 2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my UAS loan. I have been in contact with UAS on the phone and XXXX XXXX through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe UAS is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to UAS is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then. '' XXXX  's response made it clear UAS has all control with payment options as stated by them : " XXXX does not conduct credit reporting, including reporting late payments to credit bureaus. XXXX third-party loan servicer, University Accounting Services ( UAS ), handles servicing on this loan. Because XXXX is not a loan servicer, it can not offer settlements, facilitate payment agreements, or renegotiate the loan terms. The borrower is encouraged to speak with XXXX third-party servicing partners, UAS and Loan Science, for any further deferral information. '' However every attempt I have made at contacting UAS and negotiating a solution I have been met with the same general response : " We will only give you the 6 months of a lower payment that has already been given, please contact XXXX for further assistance '' Not only will UAS respond to this complaint last minute as XXXX did with theirs, but their response will boil down to they will not/ can not negotiate payment options unless XXXX gives them the okay. 

This is a clear " point and blame '' tactic used to clear their name of the obvious : they want their money fast and do not care about the stability and future of their borrowers. I am stuck begging for money as to hope to meet the insane XXXX XXXX monthly payment, and as I am already homeless any ding on my credit will keep me on the streets. I have made my situation very clear to both XXXX and UAS and they have also made their intentions to not help me very clear. It is extremely frustrating having to share with friends and colleagues that I made a huge mistake furthering my education and taking a loan with XXXX and UAS.
Product: Debt collection

XXXX XXXX ( NOT SURE ), SAYING SHE JUST GOT THE COMPLAINT TODAY AND WANTS TO KNOW IF THIS WAS INTENTIONALLY IGNORED OR OTHER SITUATION. NEED TO CALL THEM BY XXXX. AFTER THIS, THAT WAS THE TIME AUTOMATED MESSAGE SAYING IT IS AN ATTEMPT TO COLLECT A DEBT BY DIRECT RECOVERY SERVICES. 
AND AFTER A FEW MINUTES CALLED ONE OF THE NUMBERS ON MY CELLULAR ACCOUNT WHO IS NOT EVEN ON ANY OF MY CONTACT INFORMATION SAYING THE SAME EXACT THING.
Product: Mortgage

Our lender XXXX ( LoanCare , LLC ) made 2 major mistakes with our escrow account and is not offering any resolution. Instead, were receiving the run-around as they attempt to raise our mortgage payment {$500.00} a month to compensate for their error. XXXX made the mistake of paying the county taxes twice thereby depleting our escrow account by {$2600.00}. They then calculated that they would make the same mistake next year incorrectly increasing our estimated escrow. The error on their behalf is glaringly clear on our online account as well as paper statements and has been acknowledged by every customer service rep we have spoken with. However, two weeks of phone calls to customer service, 2 promised dates of case correction and closure ( XX/XX/2020 and XX/XX/2020 ) have come and gone without any resolution or return of our mortgage payment to normal. We began speaking with customer service XX/XX/2020. Our mortgage payment is due in 3 days and they are penalizing us for their errors by raising our monthly payment from {$2200.00} to {$2700.00} to offset their mistakes. 

We see two resolutions to this problem yet XXXX has not allowed for any, especially in a timely manner. They can return our payment to the original amount as escrow payments are not due until the end of the year and this will be resolved by then. Or they can recalculate our anticipated escrow balance payout without the incorrect additional {$2600.00}, greatly lowering that {$2700.00} to a more affordable amount closer to our original payment while waiting on the reimbursement from the county.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). This account is inaccurate, and I initiated a dispute over 30 days ago, providing all necessary evidence to support my claim.

Under 15 U.S. Code 1681i, credit bureaus are required to conduct a timely reinvestigation of disputed items within 30 days of receiving the dispute. If the investigation can not verify the accuracy of the information, the FCRA mandates that the information must be corrected or deleted. 

To date, I have not received confirmation of resolution nor any evidence to verify the accuracy of this account. I kindly request the immediate removal of the disputed item from my credit report and a written confirmation of the correction. 

Failure to comply with this request will leave me with no choice but to escalate the matter further legal action.
Product: Credit reporting or other personal consumer reports

This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXXXXXX ] [ XXXX ] XXXX : [ XXXX XXXXXXXX ] [ XXXX ] XXXX : [ XXXX  XXXX ] [ XXXX ]
Product: Credit card or prepaid card

My Dick 's Sporting Goods credit card had its credit limit lowered without the required notification. There is no notice on the statement nor did I receive any notice in the mail advising that my credit limit was going to be decreased from {$1500.00} to {$790.00}. This was embarrassing today when I went to use my card at the Dicks Sporting Goods store at the XXXX XXXX, VA location. I was not aware of this change and so had a purchase, that I needed to make, not approved because of the lower credit limit. They lowered my limit to just {$25.00} over my current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, THE XXXX OWNED FOR PROFIT COMPANY ENJOYS VIOLATING THE FAIR CREDIT REPORTING ACT ( FCRA ) WHENEVER IT SAVES THEM A NICKEL AND THEY CAN GET AWAY WITH IT. 
IN MY CASE THEY DAMAGE ME ; ILLEGALLY ; THEY HAVE PREVIOUSLY RECEIVED DISPUTES AND CFPB COMPLAINT AND HAD THE 30-45 DAYS TO REMEDY BUT THEY DON'T DO IT.THEY HAVE A LOT OF XXXX WORKING FOR THEM THAT TAKE THE LOW PAY JOB VERSUS THE ALTERNATIVE OF SELLING THEIR CHILDREN IN ORDER FOR TU TO IMPLEMENT '' THE WORK ''. 
I HAD 5 ( FIVE ) US DEPT OF EDUCATION SCHOOL LOANS ON ALL THREE BUREAUS, THAT WERE NOT MINE ; NEVER WERE MINE ; HAVE NO CONNECTION TO ME WHATSOEVER, OTHER THAN THEY ARE ON MY CREDIT REPORTS AS ERRORS OF THE DEPT OF ED OR IDENTITY THEFT. SINCE THERE HAVE BEEN A MOUNTAIN OF VERIFICATIONS IN RECENT MONTHS, I DEDUCED THAT IT WAS IDENTITY THEFT AND FILED THE REPORT WITH THE FTC THAT PERTAINS TO THE FCRA REQUIREMENTS REGARDING ID THEFT. 
SINCE THAT TIME XXXX HAS REMOVED ALL 5 LOANS, XXXX HAS REMOVED 4 OF 5 LOANS AND TRANSUNION, THE COMPANY THAT LOVES TURNING 30 DAY INVESTIGATIONS INTO 45 DAYS IF YOU GIVE THEM A PAPER WITH YOUR NAME ON IT, AS ADDITIONAL INFORMATION ... ..TRANSUNION, ... ..THE SLOWEST OF ALL 3 COMPANIES, THE ONE THAT LOVES THEIR MONEY THE MOST, HAS REMOVED ONLY TWO OF THE 5 FRAUDULENT ID THEFT LOANS ... 
THE TWO XXXX DOLLAR XXXX LOANS ARE MINE.IT IS OBVIOUS.THEY HAVE A PERFECT PAYMENT RECORD. 
WHILE VENTILATING HERE, I HAVE NOT LET GO OF THE THOUGHT OF LAWSUIT FOR THE " EASY '' case against Transunion  for seemingly endless false credit reporting on me ... maybe my parents will pay the attorneys for the recouping of damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these items twice with no response.
Product: Student loan

On XX/XX/19 I agreed to a {$140.00} payment to Navient. On XX/XX/19, I received an email thanking me for {$210.00} payment. After calling Navient, they struggled to explain how this happened and offered two contradicting reasons before telling me this was for my XXXX payment due in one month. I asked to have that returned to me and they said it would 4-6 weeks which is after my XXXX payment is due. This is unacceptable and I will continue to pursue other options in this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. 

I sent letter months ago & nothing happen. 
They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well ; they are in major violation.
Product: Checking or savings account

On XX/XX/2022 at XXXX XXXX Eastern, I received a series of emails stating that an application was in progress, approved and welcoming me to an online and mobile banking account with Bank of America. I did not apply for such an account. 

That morning at XXXX XXXX I went in person to a local Bank of America branch ( XXXX, MD ). I was informed that an account had been opened using my correct name, birthdate, SSN, and an address that I had ten years ago. No funds were in the account or appear to have moved from my real bank accounts. I was put in contact with the Bank of America fraud department and the account was closed. 

I have contacted XXXX and placed a security freeze on my account. I also checked my credit report and do not see any fraudulent activity at this time.
Product: Debt collection

Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX  ) that does not belong to me. The letter is in XXXX and reference a dateXX/XX/XXXX when the allege account went into collections.
Product: Credit reporting or other personal consumer reports

An account fraudulently opened on my name by XXXX XXXX XXXX with account number XXXX. It is same amount and account that was removed previously and this company fraudulently misusing my info and trying to collect money fraudulently. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and XXXX data breach claim and remove the account XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX from my credit report. I never had an account with this company. If they are under another name, they have failed to identify themselves. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Product: Checking or savings account

On XX/XX/XXXX I received a call from what I thought was Wells Fargo saying that my banking account had been hacked and someone had logged in and was trying to XXXX money. I was asked if I was trying to do this, and I was not. The person on the phone sent me texts with codes asking me to read them out to them so that they could reverse the payments that had been sent. They also told me they had frozen my account and that I would be contact the next day by the bank to ensure everything was ok. When I never received a call from the bank, I suspected foul play and called the bank. I had been hacked and tricked. The person had XXXX XXXX money from my account in 3 transactions for {$380.00}, {$97.00}, and {$180.00}. I started a claim with the bank. They began their investigation and deposited the money back into my account. On XX/XX/XXXX they reversed those deposits claiming they were not responsible. Their website had been hacked. They claim that this was not fraud. So {$650.00} was stolen from me through my account on the bank 's website, and they will not help me get it back. In fact they did give it back and with no warning at all, just debited from my account. I called and they said they had made a final decision and there was nothing else I could do.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act account 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 INTSTRUCTIONS.