23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.
Product: Credit reporting

There is an account that is past the statute of limitations and still listed on my credit file. University XXXX
Product: Credit card or prepaid card

Check my credit report, capital one show late payments for XXXX XXXX and XX/XX/2017 XX/XX/2017
Product: Credit reporting

I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false
Product: Debt collection

I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly check my credit reports and noticed that XXXX is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, General Revenue Corporation, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why XXXX allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from General Revenue Corporation within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a METHOD of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Product: Mortgage

I have been receiving upwards of 5 calls a day from Wells Fargo about my past due account. I am only 1 month past due and awaiting a workers compensation payment. This has been going on all month. I have told Wells Fargo I am happy to make the account current once I receive my workers compensation payment, but they continue to call me 5x/day asking for payment. I have updated my contact information on their website, removing my phone number from the account, but they still continue to call me. Harassing me daily does not make the Department of Labor pay my claim any faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency ] , I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report.

I demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.

There are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone my ex wife is using my social security number and personal information along with other people that stole my ID card to give her for use. Have capital one info in my name and social security number in never used or tried.
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2023, I have received an email to another address, which is not registered email address, XXXX. Because there is a question why this employee of your company, Bank of America, somebody called XXXX, who do not have any family name, can contact me with this XXXX address, I have decided to notify this fraud. Besides, this same XXXX must have called me this morning regarding something with dispute of CFPB, even though her file # did not exist after checking my account record of CFPB. Also, the telephone number written on this printed paper was same number, those who worked at Bank of America tried to make me call this XXXX, which meant two ladies called me to call this XXXX, who had the number XXXX. Since I considered these telephone calls were also suspicious, I wrote them. 

Sincerely,
Product: Credit card or prepaid card

I purchased a {$200.00} XXXX XXXX gift card at a XXXX XXXX grocery store on XX/XX/XXXX at XXXX p.m. located on XXXX XXXX and XXXX XXXX in XXXX, XXXX I used my KeyBank credit card to make the purchase. When I attempted to use the gift card to purchase materials on XX/XX/XXXX, the Card # and Pin # on the back of the giftcard was damaged and the Card # and Pin # were illegible and the gift card was deemed not permissible by the XXXX XXXX employee who scratched off the section on the back of the card to view and use the Card # and Pin #. I then asked the XXXX XXXX employee to research and obtain the Card # and Pin #, they indicated they were unable to do so. I then proceeded to a Customer Service representative and manager in another part of the XXXX XXXX location on XXXX XXXX in XXXX, XXXX  The customer service representative and manager also informed me that they were unable to assist and directed me back to the XXXX XXXX where I purchased the giftcard. I then returned to XXXX XXXX and inquired as to refunding the {$200.00} giftcard amount or replacing the cards. They were unable to assist and directed me to XXXX XXXX customer service line at XXXX. I was informed that they would research and it may take up to 15 business days and was provided a case # XXXX and they also suggested to work with XXXX XXXX. I then called my credit card company, Keybank, on XX/XX/XXXX to file a credit card dispute for the {$200.00} to refund the charge. I was provided a KeyBank dispute number XXXX at this time. None of these actions have resulted in a refund to my account. This dispute has not yet been resolved either and is still being pursued without resolution. Please advise as to further guidance and direction. I appreciate your assistance. 

On XX/XX/XXXX, XXXX XXXX informed me that my refund was approved for Case # XXXX but as of XX/XX/XXXX I still had not received the {$200.00} credit to my KeyBank credit card. On XX/XX/XXXX, The XXXX XXXX agent indicated that my refund request was submitted to their retail banking division for processing. In addition, KeyBank requested additional information for the transaction that has already been provided. This is very troubling and terrible customer service and fraudulent. Please advise. This has now been almost 30 days without refunding my {$200.00} and neither the merchant or my bank has worked to resolve. This is also my second CFPB complaint submitted in- XXXX was closed prematurely without resolution by KeyBank and erroneously XXXX
Product: Mortgage

The complaint is against WELLS FARGO We are complaining about FORCED INSURANCE at an absolute ridiculous rate when we had already paid for it.   Are there class action suits? Lawyers? Anything? They have had our PROOF for 2 years AND again since  XXXX   2017  and again they say we have not given them what they need.   They are lying.   They are ruining our lives!!!! What are we to do? They should NOT be allowed to operate like this.
Product: Credit reporting or other personal consumer reports

1.Account Name XXXX XXXX XXXX Account # XXXX Date open XX/XX/year> This account do not belong to me. please remove it from my credit report. I also would like a update credit credit report mail to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, There are several Citi Bank Credits information is being updated in my credit, which have been closed months ago. When Credit cards have been closed with XXXX  Balance, why did citi bank kept on reporting every month about closed account with XXXX balance. It has been communicated to Citi Bank that, there should not be any more activities in my account as credit card is closed and also there is no CITI Bank Credit card open on my name, social, address and any of my identification details. In XXXX XXXX Credit report, I have observed that Citi Bank Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed Individual Credit Cards and why they have been reporting every months, which have been closed and no account activity at all. Whats the point in closing individual Citi bank credit cards when Citi Bank abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. Citi Bank Holds the complete legal accountability and responsibility at Concerned Honorable Courts and XXXX XXXX Credit Bureau for abusing closed credit cards with XXXX balance.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didnt authorize
Product: Checking or savings account

On XX/XX/2023 I was contacted by the person who ended up being the scammer. The reason almost 90 days has gone by is because I tried to fix this through my local bankm a waste of time. When this is all over I demand an apology from evberyone involved. I was contacted to purchase XXXX items that I had for sale on XXXX.I told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from XXXX ( and I " believed '' him but I was scammed. I agreed so they told me they would send me XXXX money. but then the buyer said they had a XXXX business account That is the second fee in question. I was scammed again and since my XXXX was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man ( with a mideastern accent ) sent me emails telling me how to send them the money. I filled out a XXXX for XXXX ( including fees ). the email said that if I wanted a XXXX business account they would help me get it. All of this was explained to me ( including to pay ( Friends and family ) By the way, I never received the XXXX promised, but I did send them XXXX ( XXXX agrees on the amount ) To get a XXXX business account, A fake email with the XXXX header was provided by the scammer. I was tryting to be nice [ that will be the last time i will be nice ]. I would send this XXXX person ( that was recommended [ this was a scam ] done through XXXX ) XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to XXXX with the fees and XXXX told me my bank had to agree and tell XXXX to reimburse me th money ( XXXX ). My bank told me XXXX had to reimburse me and XXXX told me they had to receive instructions from my " bank '' ( don't ever believe anyone like the clerks at my bank or at XXXX ). Neither happened which is why I am contacting you now. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents. The XXXX representative even told me I would be reimbursed ( LIE ) don't ever believe a clerk.
Product: Checking or savings account

Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim. 

I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XX/XX/XXXXXXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX the reporting of any XXXX in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2