23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal XXXX a least XXXX times the value of the loan ), credit research XXXX excellent credit ), perfect payment history on the existing loan, etc. The property had to be considered investment property because, though I 've owned it since XX/XX/XXXX lived there until XX/XX/XXXX still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owned by an family LLC. They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they said I could n't get the loan refinanced because I did n't have a homestead exemption on the property XXXX miles away! They said my options were : 1 ) To change all my driver 's license and other records back to my home address ( which would be lying and virtually impossible to do XXXX ; 2 ) declare the property as a second home and since no one can live there but me, kick my family out on the street ; or 3 ) have the multi-family residence that has multiple managers of the LLC deeded to me alone and get homestead exemption there. I DO understand the part about giving up the homestead exemption on the loan property ; but I do NOT understand why they would care about my having a homestead exemption on any other property that is not involved in the loan.
Product: Credit card

A charge of {$63.00} posted to the credit card on XX/XX/23. It was for a purchase on XXXX XXXX for a car part. The order was cancelled before it was delivered and it was stated on XXXX 's site that a full refund was to be issued, I contacted both XXXX and the 3rd-party vendor several times over a week but no refund was issued. So I filed a billing dispute letter on XX/XX/23 with BMO Bank regarding the problem. BMO confirmed by telephone on XX/XX/23 that they had the dispute letter. However BMO has done nothing since then required by Reg Z such as acknowledging the dispute in writing or issuing a temporary credit.
Product: Payday loan, title loan, or personal loan

Once again NetCredit response to # XXXXis not accurate NetCredit states I opened an account for {$1400.00} but it was never funded I contacted them 3 times because my account shows paid but I never received any funds I have to close my account
Product: Payday loan, title loan, personal loan, or advance loan

Kovo did not provide me with a loan a made fraudulent charges on my XXXX XXXX Bank account.
Product: Credit reporting or other personal consumer reports

I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Checking or savings account

Had a loan company approved me and instead of depositing the money they cashed fraudulent checks in my account. Have the number a voice mail and letter of acceptance. But was told basically tough XXXX my fault and wouldn't even listen let me fill a claim of fraud or anything. Wouldn't even take the info I have just didn't care..
Product: Credit reporting, credit repair services, 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. 

Us Bankruptcy Crt XXXX  Reference Number XXXX XXXX Credit Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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 an account without my written instruction.

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 ) states : 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, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding old and inaccurate information that is reported on my credit report. Yet, they continue to leave this information there. My name is XXXX XXXX but they continue to report names such as XXXX XXXX XXXX. XXXX isn't even my middle name, so if they are reporting this information incorrectly there is no telling what other information on my report is being reported incorrectly as well. My current address is XXXX XXXX XXXX. XXXX . XXXX XXXX, CT XXXX, which I provided to them with a current bank statement as proof of address. However, Experian still continues to report outdated and even non-existent addresses, such as XXXX XXXX XXXX XXXX XXXX, CT XXXX. Not only is this address outdated, it also doesn't even exist. So I fail to see how a thorough investigation into my information was done if they're reporting an address that doesn't even exist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information 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 of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Product: Debt collection

XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Dicoverbank is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.
Product: Mortgage

My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX federal the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, 2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-XXXX-2017, I was denied a special 12 month no finance credit card from XXXX with XXXX XXXX to purchase a computer, printer, and software totaling {$1100.00}. I was only offered a credit card with a yearly fee. After receiving letters from XXXX XXXX explaining why I was denied credit based on Experian 's credit report, I discovered the reasons did not match my credit reports from all XXXX credit bureaus.
I have a high score, have never been late on a debt, never missed a payment on anything I owed, yet was denied credit. I have written the credit bureaus to remove accounts that are not mine, and have attempted to contact XXXX XXXX to no avail. I did let the store manager know of this situation, but no steps were taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Tried to resolve with Fed Loan with 8 phone calls and two letters sent. 
Phone complaint ID # XXXX XX/XX/XXXX Complaint ID # XXXX XX/XX/XXXX Complaint No ID # I have received a statement that I am {$14000.00} behind in my payments. This is not true. 
I have in good faith made monthly payments of {$330.00} every month for the last two years. I am on an income repayment plan for the last three years. I have sent in the paperwork each year via mail in XX/XX/XXXX & XX/XX/XXXX in XX/XX/XXXX. In XX/XX/XXXX my salary increased and I was able to fill out the income repayment application online. I have a bank statement that shows payments each month in from XX/XX/XXXX to XX/XX/XXXX each month in the years of XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. In the last year, my salary has increased so my income repayment monthly payment have increased to {$490.00}. I have called the FedLoan number to protest this bill of {$14000.00} There has to be some type of appeal process. I sent in the paperwork, I made every payment. 
I have been working at a XXXX XXXX for eight years. I am also on the public service loan forgiveness program. I made faithful payments for all of XX/XX/XXXX and now I am told that the payments do not count at all - that my default.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account.

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.
Product: Debt collection

XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX continues to improperly report this XXXX  bill as a late payment and unpaid bill on my credit report. I paid this out of pocket and my insurance paid the balance. I've already explained this to the collection agency and they keep harassing me.
Product: Credit card

After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.
Product: Debt collection

CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.
Product: Debt collection

National Credit Systems , Inc contacted me by mail on XX/XX/21 about a supposed debt. I asked them to verify the debt through mail and sent them my debt validation letter through XXXX certified mail with a return receipt. The return receipt was signed and my letter was delivered on XX/XX/21. On XX/XX/21 they sent me another letter threatening to report this debt to the credit bureaus if I don't pay it, seemingly ignoring my letter that they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX XXXX XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, TRANSUNION credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.