23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a refi loan online @ M & T bank on XXXX XXXX, XXXX. 
XXXX XXXX, XXXX, received email to review Application package stating, these documents contain important information related to my loan and should be reviewed promptly and carefully for accuracy. 
All requested documents, XXXX XXXX XXXX, XXXX & 2 year tax returns were sent to XXXX. 
XXXX XXXX aprox. date. Phone call from XXXX XXXX requesting recent paystubs. 
XXXX XXXX, XXXX  Received phone call from XXXX requesting recent paystubs. XXXX sent to her. 
XXXX XXXX, XXXX  XXXX sent to XXXX XXXX. 
XXXX XXXX email from XXXX XXXX : Good news, loan application package has been sent to our processing team. 
XXXX, XXXX, Request from XXXX XXXX for XXXX, Pension, XXXX XXXX 2 year Tax returns. I stated that those items were sent in XXXX. 
XXXX XXXX, XXXX  Second time resending requested documents. Requested confirmation of received documents. 
Confirmation of received documents from XXXX XXXX. 
XXXX XXXX, XXXX, letter on Bank loan portal from XXXX XXXX : Your mortgage interest rate lock expires on : XX/XX/2023. 
XXXX XXXX, Letter on Bank loan portal from XXXX XXXX, XXXX XXXX : Dear Borrower ...... etc. Attached please find copy of property valuation ( XXXX ) obtained by M & T Bank. 
XXXX XXXX, XXXX  Email to XXXX XXXX stating I have not heard anything on progression of loan. 
XXXX XXXX replied I will reach out to the processors. 
Reply from XXXX XXXX : The loan was withdrawn on XXXX XXXX, XXXX, etc. 
XXXX XXXX, XXXX  Email to XXXX XXXX & XXXX, Chain and timeline of events. 
XXXX XXXX, XXXX XXXX received phone call from XXXX XXXX of M & T bank. XXXX XXXX stated that my loan was not approved because of the XXXX rear bedrooms had bare floors where carpet had been removed. I explained that I was going to install wood flooring. He then stated that I would have to have the flooring installed and then pay for the XXXX to return. I then said to him that I had no problem doing the flooring but I was not going to come out of my pocket with any other funds due to someone's negligence. He then stated that he ( I'm guessing he meant M & T bank ) would pay for half of the appraisal. 
XXXX XXXX email from XXXX XXXX, Your loan is moving right along, etc. 
XXXX XXXX, XXXX  email from XXXX XXXX, Congratulations, your loan is approved, etc. 
XXXX XXXX, XXXX, Bank loan portal : Welcome back XXXX, Your loan XXXX. 
XXXX XXXX, XXXX  XXXX on Bank loan portal : Dear XXXX, XXXX is attached. 
XXXX XXXX, XXXX  Bank Loan portal : Changes have been made to the Supplemental Terms and Conditions Sheet of your commitment letter, which is attached. 
Only XXXX item is checked with a red X. 
XXXX XXXX, XXXX, email from XXXX ( attached ) XXXX XXXX, XXXX, XXXX on portal ; Supplemental Terms and Conditions with XXXX ( XXXX ) items checked with red X of required documents. 
XXXX XXXX I answered with documentation or responses to all XXXX ( XXXX ) checked items. Sent documents to : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX, XXXX, XXXX  XXXX XXXX : Interest rate lock expiration date is XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been making regular payments to XXXX XXXX for quite some time, yet they continue to report my account as delinquent. They keep reporting me late, even though I am not.
Product: Checking or savings account

Fall XX/XX/XXXX, exact date unknown : I received a call about the bank needing KYC ( Know Your Customer ) information. I called my business banker, XXXX XXXX, and confirmed that he had all of my information on file for the KYC process. 

XX/XX/XXXX : CitibankKYC emailed me for the KYC documents again. I personally went to the bank branch and gave the documents to XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX called requesting the information again. Information was emailed to XXXX XXXX again. 

XX/XX/XXXX : CitibankKYC emailed me for the KYC documents again. I called my business banker XXXX XXXX and he asked me to email him the documents again, which I did. 

XX/XX/XXXX : I discovered my business bank account was closed and went to my local branch to have it reopened. I discovered that XXXX XXXX no longer worked there. I spoke with business banker XXXX XXXX who discovered that someone had made an error and let my account be liquidated and closed. He passed information on to me that the account would be reopened within 48 hours. 
XX/XX/XXXX, end of day : Account was still closed. 

XX/XX/XXXX : I contacted XXXX XXXX for update. He responded that account should be reopened by XX/XX/XXXX. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX, end of day : Account was still closed. 
XX/XX/XXXX : I did not hear from XXXX XXXX. I called him and he told me he would look into it. I requested that he call me back with an update. He did not update me. I tried reaching him but could not. 
XX/XX/XXXX, end of day : Account was still closed. 

XX/XX/XXXX : I received a message thanking me for submitting all of my KYC information ( that was submitted multiple times as listed above ). I called the main bank number and was informed that my KYC status was cleared that day ( XX/XX/XXXX ) and that it would then take another 2 weeks before my business account would be active again. Soon thereafter, XXXX XXXX called me to tell me the same thing. I asked if there was any other way to open an account or anything I could do and he said no. 
XX/XX/XXXX, end of day : Account was still closed. 

As of now, I have not been able to receive any income into my business for 6 days, I have not been able to pay off my line of credit, which is accruing interest. And now all of my vendors are threatening to cut off their services one at a time - effectively threatening to shut down the infrastructure of my business. I will have to start paying all of those bill from personal accounts until this is rectified. I will then have to pay myself back for all of those payments and my accountant will have to work extra time ( on the clock ) to rectify all of the payments from and to personal accounts. 

And all of this is not to mention hours of lost productivity, XX/XX/XXXX and XXXX over this. 

A quick search on XXXX shows that I am not alone and Citibank made this mistake with others as well. Citibank should come up with a way to fix the problem and compensate me for my trouble.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX - not my account i have no knowledge of it XXXX XXXX XXXX XXXX XXXX XXXX  credit card was fraudulently openeXXXX XXXX XXXX XXXX XXXX XXXX credit card was fraudulently opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a home back in XXXX XXXX and Bank of America had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. Bank of America did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up Bank of America transferred the mortgage to XXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. 

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

2 ) In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was a Wells Fargo mortgage customer back in XXXX when I applied for modification. After countless months of sending in documents and increase in fees, I was denied the modification. The bank tried to foreclose on the house twice and the State of NY put a stop to it. So, they turned around and sold the loan without telling me. By that time, the loan had increased to much more than I paid. 

This complaint is about the 3.7B Wells Fargo settlement that just happened in XXXX XXXX.The article online said if you believe you are eligible for a payment and haven't been contacted by Wells Fargo, to call them and so I did. They wouldn't even take my old account number to check me in the system. They just said that they didn't have anything on me. This led me to believe that they are not going to contact me about the settlement. 

I am just looking for them to make it right if I am eligible for payment from the settlement. 

Thank you for your help in this matter!
Product: Credit reporting

I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX This company refuses to delete this of my credit report and refuses to provide original contract from XXXX  XXXX signed by me also continues to report inaccurate information
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Checking or savings account

Between XXXX I received more over draft fees when i used the money it showed I had in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

IAM FILING A COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRATICES, WHICH VIOLATE THE CUSTOMER FINIACIAL PROTECTIONACT ( CFPA ) SPECIFICALLY, CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. FURTHERMORE, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECPETIVEE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT ( EFTA ) AND REGULATION E. THESE ACTION HAVE CAUSED SIGINIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRAITE ADDRESSFOR THESE VIOLATON
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX XXXX XXXX XXXX Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Prepaid card

I filed a prior complaint with CFPB, and contact was made with Incomm on XX/XX/year> with XXXX. They agreed to provide the refund on the prepaid cards, along with the activation fees, since the cards can not be used. They were awaiting documentation from me, which took a while, since I was traveling. All documentation, which was excessive, but I complied, and sent in on XX/XX/year>. Stated check would be received within 10 business days. No check has been received. They are now stating they do not refund activation fees, despite promising refunding them, and saying checks were issued on XX/XX/year>, which is not the case. Additionally, I request to speak with a US Based representative, and have a direct line of contact going forward for all issues with Incomm and Vanilla Visa, as I want a refund of all my cards purchased from them. They are constantly rejected for no reason. While I understand security measures to protect funds, they need to implement different and better security measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am trying to purchase a home. 
On my credit is showing a collection open reported on XX/XX/XXXX in the amount of {$73.00} from US Bank that was a car lease that ended and I took another car with the same institution. It seems that calculating the pay-off it was a balance due of {$73.00} Dollars that I was not told or even advise in writing. I have another car finance with US Bank since XX/XX/XXXX and never have miss a payment to this date. 
I intend to correct this problem with them but to no avail. 
Account number reported # XXXX. I have requested a letter that this account reported on my credit report as a derogatory account on XX/XX/XXXX is wrong and that has been paid but no help from this institution. 
I am trying to purchase a home and XXXX XXXX keep declining my file for the wrong information entered. This is an abuse of power and also discrimination. I need this to be deleted from my credit history since I also have tried with the three credit bureaus and also to no avail. So I pray and hope that this complaint will be my solution to this empty road.
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I am not sure where this even originated or what company this is. Never heard of them not sure what this amount is for. I see this {$17.00} amount on my bank credit report as a debt collection. I was not ever checking my report but recently went to get a truck loan and seen that I have had this in collections for {$17.00} since 2018. I just want more information to get this removed. I tried contacting the phone number that is linked to this company in my statement but it is disconnected and the company does not have a website, that I am aware of. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with Experian XXXX and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Product: Debt collection

the original creditor stream elc account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017. I received a copy of my Equifax credit report. I noticed an incorrect address as well as an incorrect Date of Birth. I had a total of XXXX inquiries that i did not authorize. I called each company and they had no knowledge of my request to open credit with them and advised me to contact the credit bureau. I called into Equifaxs customer service and spoke with a representative by the name of XXXX. Badge number XXXX. He argued with me that it was my correct date of birth prior to researching and seeing that i sent in a copy of my license for a previous dispute with them. He updated my date of birth but refused to dispute any inquiries or the incorrect address that is listed on my report. He kept informing me to contact the companies and i had advised them that i contacted each and were referred to them. I then asked for a supervisor. He basically told me that inquiries are something that they keep track of and had no way of knowing if they were fraudulently processed or not. He stated he would not dispute them at all. I asked him do what am i to do, since youve been reporting the incorrect date of birth, wont remove an incorrect address thats not linked to any account on my report or help me get these inquiries removed. I was advised again to contact each company and asked them to have them removed, yet in the same breath he told me this is something that Equifax generates on their own and had no way of communicating with the companies.