23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dir Sir or Madam Following a mortgage transfer from XXXX XXXX to Arvest Central Mortgage, I found myself to be a customer of Arvest bank in XX/XX/XXXX for a Rental property I purchased on XX/XX/XXXX in XXXX. 

On XX/XX/XXXX, my tenant provided me with a an account statement letter dated XX/XX/XXXX requesting the XXXX payment. At first Arvest mail was sent to the loan property and not to my home address. 

On XX/XX/XXXX, I contacted the bank and issued a payment for the month of XXXX and initiated an Auto Draft to withdraw the mortgage automatically from my Bank Account. I received a confirmation email ( attached ) stating that auto payments will be processed starting XXXX. At this point, my assumption is that the Bank will indeed process the payment automatically. 

On XX/XX/XXXX, I received a notification that a derogatory account notice was put by Arvest on my credit report. I reached out to their customer service team and I was told that the auto payment didnt happen for XXXX nor XXXX and it should only happen automatically for XXXX. I want to believe this is a mistake on their behalf since I was working on the assumption that they will be processing the payment automatically and I never received such information that contradicts the email attached. 

That same day, their team processed an auto draft for both XXXX / XXXX payments ( Confirmation attached ) but refused remove the derogatory notice on my credit report. The first written communication with this regards I received was dated XX/XX/XXXX disregarding the payment that was made. 

The derogatory notice on my credit report has severe consequences on my personal and professional situation. I work as a consultant and advisor to some of the largest financial institutions in the US and a stellar credit report is a requirement for my work.

Based on the circumstances I described below, I kindly ask that your help with Arvest Bank to reverse that notice on my credit report and that no other actions are necessary on my behalf. 

Thank you very much Best regards, XXXX
Product: Checking or savings account

On the morning of XX/XX/2021, I spoke to representative in the claims department with Bank of America. I was calling to follow up on the status of the claim as well as speak to a supervisor in the risk closure department. I was told by the representative in the claims department that because the funds came from the Department of Treasury, I they were not able to hold my money regardless of the status of the claim nor the status of the pending closure on the account. I was then transferred to the risk department in which I requested to speak to the supervisor. I was told that they could see that the request was submitted but there was no word on the status and that the department was still closed and I was to call back within a couple of hours. Also, the representative from the risk closure department submitted another request in which he specifically stated that the funds came from the Department of Treasury. Bank of America still will not release my funds. I have spoken to four different representatives at this point, in which one was a supervisor and they have given me conflicting information. None of which I can understand. when I spoke to the second supervisor, they told me that I will be receiving a cashiers check but they do not have a time frame in which I will be receiving it.
Product: Money transfer, virtual currency, or money service

I received E mail from XXXX XXXX XXXX , asking me to pay XXXX forcomputer protection plan.i did not want any plan.i called the tele.no.provided on the email.XXXX answered the call agreed to cancel my plan but in order to that he needs to access my computer .they installed any desk and took control over my computer.In order to refund my money they needed my bank access.so i logged into my chase acct.they took control of my computer.told me they habe XXXX XXXX XXXX acct.and transferring money into my bank.they kept engaged in conversation and very pleasant.Some time later they said they are having problem from their end to transfer money.Asked me to do something from my side.told me to put XXXXdollars to transfer and see if it works.so i did put XXXX dollars.but they said it came as XXXXstarted yelling at me that i committed fraud and trying to steal their money.Asked me to go to bank right away to wire transfer them right away.. i went to bank and transferred XXXX .they asked to take XXXX for all the confusion.i never had their money in my acct and they were in control of my computer.i lost XXXX .when i asked bank teller she told me i had XXXX transfer in the acct.Not checking where the transfer came from.They transferred from my savings to checking. i believed them and transferred my money to their XXXX XXXX XXXX  acct.My bank put the stop order on wire transfer.one week passed but XXXX XXXX XXXX is not responding to reverse the transfer .please help this XXXX year old fraud victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND XXXX XXXX  have continuously placed back on my report
Product: Checking or savings account

XX/XX/ I opened an account and an adv safe balance banking I received notices in the mail XXXX did not really help me but she did tell me some XXXX about how I could not get my other account access. And this been entered into collects. So it's potentially a XXXX dollar loss. I see that banking is not important to people but I was with bank of america til I got attacked. I guess I'll notify dhs. Homeland security.
Product: Mortgage

I submitted an application to refinance my home loan with Chase. As a part of the application process, I was required to have my home appraised. We have lived in the home approximately 18 months, during which time, the housing market in the surrounding area has improved for sellers. When our home appraisal was completed, according to the appraisal, the newly appraised value of the home declined {$25000.00}. There does not appear to be any rationale for the difference in value. I completed the appeal process offered through Chase, but was not successful in obtaining a revised appraisal value. I do not believe we received a fair and equitable process. I am concerned about the appraiser 's knowledge of our community and objectivity during the process. I am concerned that well known racial bias in my area may have influenced the process.
Product: Credit card or prepaid card

Today on XX/XX/2022 I opened a letter with the date XX/XX/2022 from JP Morgan Chase claiming a follow up to a XXXX credit card application with XXXX. They asked me to call XXXX and because I recently applied for one I called and followed the directions which included my SSN. I did it and now concerned I accidentally fell for a scam. Please help protect me from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern the following inquiries need to be deleted and removed from credit report as these items was not authorized by me ....
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX card was over the limit of {$1000.00}. by {$3.00}. The amount of {$3.00} was allowed to go the limit by XXXX, not by my choice. I didn't authorize that or agree to it. Because of this I was immediately reported to the XXXX major credit bureaus, and each of them dropped my score score by XXXX point. XXXX. Not XXXX or XXXX, but XXXX, which sent my credit rating to " XXXX ''. I have no recourse and was told by a customer service rep at XXXX that it was decided by an algorithm. 
As a single-father who started over in 2019, ( in 2019 I had perfect credit ), I have spent every year living below my means and trying to rebuild. It's taken me 5 years to rebuild my credit, point by point. I was only just up to " Fair '' last week, with the goal of reaching " Good '' so I could consolidate my cc debt and move on. When I had {$96000.00} in student loans wiped out my credits core barely moved up, only a couple of points. 

I've used a XXXX XXXX and XXXX XXXX to monitor my credit and help repair it, but now it's gone... wiped out and literally destroyed by a {$3.00} overdraft, which I did not agree to. XXXX could have just declined the charge. How is this legal? How is this disproportionately cruel, and destructive response justified or fair to me as a consumer? XXXX is selling my data to a credit bureau who then turn around and is allowed to use it against me -and sell it back to me in the form of " repair ''. It's an endless cycle of poverty and abuse. This is by definition indentured servitude. It's horrific and should be illegal. What do I receive from my data being sold? Who gave the permission to do this? I spent 5 years, XXXX rebuilding my XXXX XXXX XXXX  at a time. One overcharge of {$3.00} should not ( legally ) drop my score by XXXX points.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verifiy through the physical verification of the original signed consumer contract any and all accounts you post on a credit report otherwise anyone paying for your reporting services could fax mail in a fraudulent account i demand to see verifiable proof an original consumer contract with my signature on it you have on file on the account XXXX XXXX XXXX under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove account XXXX XXXX XXXX
Product: Mortgage

On XX/XX/21 Fairway Independent Mortgage sent a loan estimate for XXXX more than the loan estimate they sent on XX/XX/21. I was told it would get fixed but the lender would not answer my phone calls. He would only respond by text. I acquired a preapproval from another lender. I contacted Fairway on XX/XX/21 and notified them of what the other lender had offered. At this point we were 2 weeks away from close of escrow. On XX/XX/21 Fairway Mortgage called and said they were able to get our loan to 3.125 %. they got XXXX on the loan, our payments were going to be XXXX per month including XXXX fees and our cash to close would be XXXX XXXX we had already put down. Fairway Independent Mortgage employee XXXX XXXX called me on XX/XX/21 at XXXX and gave us this offer. At XXXX on XX/XX/21 I text XXXX XXXX to verify that the XXXX we had already deposited was to be subtracted from the XXXX he said yes. The loan estimate I received on XXXX higher then what XXXX XXXX had told me on the previous day. I was told he was aware and was working on getting it fixed. Then on XX/XX/21 at XXXX I received an email from XXXX XXXX at Fairway Independent mortgage. He said he was handling our loan since XXXX XXXX was on vacation. XXXX XXXX XXXX then told me that we would need to put another XXXX in cash to get the loan approved. XXXX XXXX XXXX also told me that the cash to close amount of XXXX included the XXXX deposit we had already put down. So the cash to close amount went from XXXX on Sun to XXXX on XXXX. Fairway Independent Mortgage said they knew their employee was giving out numbers that they were unwilling to uphold and did nothing about it. This gives us 1 week to get new funding for escrow. XXXX XXXX XXXX told me they would not honor their employee 's numbers. It feels like blackmail and they are forcing us to either pay the additional XXXX or move back our closing which costs us money and frustration to get everything else moved back. 
I have saved all communications between Fairway and myself. Email and texts.
Product: Student loan

I was promised a degree in XXXX XXXX, I was told not to worry about the student loans since I qualify for FREE. I needed help many times from the teachers, who at the beginning of the school year said they were available for questions outside of school hours. I called multiple teachers since I was struggling with the courses. Some of the teachers could be heard at a bar having drinks ( my husband can confirm this ) I did not pass those courses and when I complained to the administrator or aids they appeared to not care. I NEVER received my degree and NAVIENT ( used to be Sallie Mae ) is constantly harassing me for payments. I have been paying on this loan for over 20 years! I've told Navient what happened during the school year and the only thing they care about is getting their money. What XXXX did to me is FRAUD and since the school doesn't exist anymore I have no where else to turn. Please HELP!
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I've requested my signature on contract with all parties involved in these debt collection, everytime I request my signature on contract with all companies/parties my request has not be fulfilled resulting in multiple debt collection agencies requesting me to pay them for the same debt because they are constantly reselling the debt to each other claiming i owe them the newest debts collection agency is ( JEFFERSON CAPITAL SYSTEM LLC ADDRESS XXXX XXXX XXXX XXXX ALABAMA XXXX ) I am not in contract with JEFFERSON CAPITAL SYSTEM LLC nor do I owe them this a violation of 15 USC 1692d- harassment and abuse 15 USC 1692g - validation of debt and 15 USC 1692c - communication in connection with debt collection
Product: Credit reporting

In XXXX 2015 I signed up for TransUnion 's credit score service. Unknowingly I was on a 70 day " free '' account which turned to a $ XXXX paid subscription after that trial period. I have unwittingly been paying the subscription without any receipt or notification of my monthly auto-payments. During this time I have NEVER used their services. They increased the subscription amount to $ XXXX without notification as well. I would like a refund for my payments which I never authorized. They total XXXX auto payments from my credit card since XXXX 2015. I am on a fixed income and really can not afford to miss out on this money. I feel like TransUnion has been running a scam to siphon off money from people without acknowledging them doing so.
Product: Credit reporting

I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years my identity has been compromised in over 36 security breaches from the following companies : XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

Transunion : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane  Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX Auto-Bank XX/XX/XXXX XXXX  XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm  Misc Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

This Morning ( XX/XX/year> ) I received a credit report and saw that I had a closed and charged off account from Veros credit LLC, showing a XXXX balance and XXXX owed. I thought it would be in my best interest to contact veros credit to see if they would agree to remove it from my report, the account many in charge of my account told me all the reports I received from the three bureaus was incorrect and false and they want the balance that only they can see paid or they will make sure they make it known on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX 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 ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EQUIFAX RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EQUIFAX SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EQUIFAX FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS
Product: Credit reporting or other personal consumer reports

I called XXXX and sent letters to have information removed because this is not my acct I also sent a dispute through app requesting to exercise section 605 b and they were u able to help me I. This matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and XXXX  request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX XXXX, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situation.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from Bank of America on XX/XX/XXXX XXXX XXXX  that I did not authorize.
Product: Credit reporting or other personal consumer reports

This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXX & XX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618.

Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.