23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I was in communication with XXXX XXXX XXXX # XXXX about a mortgage refinance on my primary residence. I informed him that I have a HELOC and didnt want to close that loan so I want my second mortgage holder to subordinate to the new mortgage loan. I contacted my 2nd mortgage holder and was informed that XXXX company, loan depot, would have to request the subordination agreement. 

On XX/XX/XXXX I spoke with XXXX and again said I didnt want to move forward unless we could get a subordination agreement. He informed me they would work through the subordination process but I would need to apply for the loan and I would need to pay for the credit report. So I applied. 

I emailed a week later to let XXXX know he would need to contact my bank I have the HELOC with and reminded him to contact them about the subordination. He didnt respond to the email so I called him. He let me know my processor would work through that process and I would be contacted in a week. 

On XX/XX/XXXX I was contacted by the processor. She stated she would send me an email with information I would need to provide. I informed her of my conversation with XXXX and she promptly stated they were not processing mortgage that were requesting subordination agreements. I told her of my conversations with XXXX and she said sorry but were not going to move forward if you request the subordination. I asked to talk with her boss and XXXX boss because I fell like XXXX was being deceptive. 

I believe XXXX was being predatory, that we would get down the road in the process and that I would just forget about the subordination. This would force my hand. He told me not to make my XXXX payment so we could close on XX/XX/XXXX and I could miss to payments. So if I would have gotten to the closing table and hadnt made my XXXX payment my hands would be forced to close. 

I believe this to be a business practice that the company endorsed and the LO uses this sales technique to defraud their clients. 

When I emailed XXXX and Loan Depot to withdraw my application he said they would cancel and decline my loan application. So Im out of the money for the credit report, Im out of my refinance rate, and they have potentially hurt my credit score. If I go to another mortgage company they will pull my credit and again potentially ding my credit score These unfair and deceptive practices have to stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX Bank XXXX XXXX Account # XXXX First XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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. Witch I never in no manner provided to the fore mentioned parties listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, the problem Im having today is Experian is continuing to report a XXXX XXXX Auto loan on my report. The account is fraudulent it was removed by every Credit reporting agency except Experian. I have the fraud report and also I reported to the Illinois Attorney General Office that report is attached as well. The XXXX XXXX account number is XXXX. I ask that CFPD assist me with the suing of Experian for the fact of reporting this fraudulent account. This is against the FCRA guidelines and hug violation to report fraudulent information on a consumers credit report.
Product: Debt collection

Thursday XX/XX/2024 spoke to a representative and told her I only want to communicate via mail. After some exchange this agent put someone else in the phone, where I expressed that I do not know if this is a legitimate debt, but communicate with me via mail. The woman on the phone then asked me if I was scared and it seemed like I was scared. I asked her why she was threatening me and why I should be scared. I again communicated that all communication should be vi mail and they should not contact me via phone again.
Product: Credit card or prepaid card

On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.
Product: Debt collection

As of XX/XX/20, I paid the Medical bill owed to Transworld systems Inc. a total of XXXX dollars. I was in hardship and could not pay for a while A few months to be exact. I paid it in Full and requested it taken off of my Credit report. It's hurting my business and personal credit it's making it hard for me to acquire credit for my business and my personal life. Just asking them to remove this derogatory remark so I can move on with my XXXX, Thank you XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX Bank is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
Therefore this account should be deleted immediately.
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. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 DEAR TRANSUNION, On multiple dates I have mailed in letters as well as sent correspondence through CFPB disputing information contained in consumer reports concerning regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. YOU RECEIVED MY DISPUTE LETTERS BUT REFUSED TO DO ANY TYPE OF PROPER INVESTIGATION. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information I requested before the end of the 30-day period of the date which you received my dispute letter. Instead of sending me a response letter with the result of your investigation of the disputed information you mailed me a letter dated claiming that the accounts were verified with no substantial proof. These accounts were reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my repot being accurate and verifiable. The other two credit bureaus removed these accounts because they were unable to properly verify it. Im confused why you are still reporting these accounts and you have access to the same information the other credit bureaus do?

Surly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation dispute but instead continue to send the same exact response. Also, the same response to an account that was already removed by the creditor, but Transunion lied and said account had been verified which was not. However, your excuse and assumption are not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not found any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA your refusal to reinvestigate accurately is an intentional and/or negligent FCRA violation .

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. For not properly investigating these accounts and continuing to send me the same generated response and reporting inaccurate information. 
In 14 days delete the disputed information requested. Send an updated copy of my consumer file and send me the XXXX checks to my mailing address listed above. 
Sincerely, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THESE ACCOUNTS ARE ONLY SHOWING FOR TRANSUNION! XXXX HAS DELETED AND XXXX HAS DELETED THESE ACCOUNTS BUT TRANSUNION CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THES ACCOUNTS THAT CAN'T BE VALIDATED.
Product: Payday loan, title loan, or personal loan

I was called yesterday ( XX/XX/XXXX ) regarding my past due amount that I owe. During this call I inquried about how much of the principal I had left, because this is the 3rd year I have had this loan. The amount I was told shocked me so I asked, how much of the {$450.00} I pay each month is applied to the principal. I was told 9 dollars. So I further inquired, how often is interest applied, their response daily. After crunching the numbers I found that it would take me 59 years to pay this loan off, so I asked if I can have my interest decreased. They told me their supervisor would be reaching out to me. During that night I continued to dig into my account with finding they have not been applying ANY of my payments to the principal. 

Today ( XX/XX/XXXX ) their supervisor called, his name was XXXX ( couldn't catch his last name ). I asked about lowering my interest, he said no. I then inquired about AB-539 because I am paying WAY over the limits set in place. He said that does apply to me because AB-539 came into affect in XXXX. But according to AB-539 is amends existing law meaning I am covered. After he told me I was not covered, I told him I need to seek counsel because he is incorrect, at that point he began attempting to talk to over me, so I raised my voice back on him refusing to be silenced. I asked for my contract, he said he sent it to me, I am assuming via email. I have not received it.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. 
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. 
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX  XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. 
- Refund my checking account balance Thank You .. 
XXXX XXXX XXXX
Product: Mortgage

I am writing to make you aware of the issues we are having with Selene Finance. We have been in the home since XXXX I am a veteran of the XXXX XXXX of XXXX  years. I have never missed a payment of the XXXX of being this my home. 
During our time in this home, our mortgage has been sold 5 times. As each term, we received a letter stating our mortgage was sold to another lender, and in good standing. 
We've been with Selene Finance for the last 10 years maybe, never late. 
Selene Finance has added a balloon interest to our home stating that we didn't make any payments for 36 months. Please tell me what mortgage company allows you to live free! 
I have called to speak with the loan officer repeatedly, but I never got a callback. Months passed still no feedback. Finally, after 6 months someone called demanding that we sign a modification to save our home. I never signed because I didn't owe anything. 
This issue has not been resolved as of today. I am still calling to get proof of the documents ( modification ), and a copy of the payment report. Selene 's Finance representative did share with me that she uses different computers for information, is the information legit? 
No one will refinance our home which should be paid off next year because XXXX of interest was added. We purchased our first home at XXXX. Why and how do we still owe {$83000.00}?? 
Please allow me to share, this look at your credit report! My wife was never on the mortgage or deed. Selene has added the mortgage to her credit report and she has nothing to do with this account, we have asked repeatedly to remove her name. We were told her name was on the modification. But we never signed a modification. 
Help please, if nothing is resolved we will seek legal action.
Product: Credit card or prepaid card

This is the second time I'm reporting card.com prepaid card company. My family and I lost our home in a house fire last year in XX/XX/2021. We set up a XXXX account, out of almost 7k that was raised, they have with held XXXX of it since XXXX of XXXX. I have submitted legal documents, social security cards, driver 's licenses, current and past utility bills, along with ALL of the XXXX  account info. Because ONE payment came in from the deposited under my husband 's name, they locked the account down pending paperwork. It's been locked since XXXX. Contacted the FTC last month, within a week I received a call saying all money was being returned to the deposited.. XXXX. I called on XX/XX/2021 and was told they deposited {$1700.00} out of 2k.XXXX for " their fees '' back to XXXX. I have since received confirmation from XXXX  this is not true. Now they refuse to speak to me and have closed ALL 3 cards attached to the account out of spite. NOW saying I'm no longer a customer, they're refusing to speak with me. We NEED our money!! Please help!!
Product: Checking or savings account

On XX/XX/XXXX I tried to open a savings account with Discover Bank over the phone and they asked for pictures of my drivers license. On XX/XX/XXXX I called back and they asked for more documents. They refused to open the account, accused me of fraud and impersonating myself and then cancelled my application because I'm XXXX  and they didn't think my voice matched my XXXX XXXX, which is reflected on my drivers license as female.
Product: Debt collection

Wage garnishment levy in NJ. Account numbers and amounts sued for are inaccurate. 

See attached document s Tried to object to wage garnishment by revealing incorrect numbers sequence, wrong credit card, and illegal service to employer of wage garnishment. Should have been served by Sheriff of XXXX County. 

It was mailed to employer
Product: Credit card or prepaid card

i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting about Equifax. Below are the issues in reporting : XXXX  XXXX Bankruptcy - never lived at address reported ( not my bankruptcy ), also is showing as not reporting on Equifax website, however showing when clicking on " print credit report '' XXXX - never lived at address reported ( not my account ) 2nd XXXX - duplicate account, never lived at address reported ( not my account ) XXXX XXXX - never lived at address reported ( not my account ) XXXX XXXX - reporting as currently open account, never lived at address ( not my account ) I have added pictures from the myEquifax portal as well as the report Equifax as when clicking on printing my report to back up what Equifax is reporting on their site and what I is being reported when I pull my credit report up.
Product: Credit reporting or other personal consumer reports

I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life
Product: Payday loan, title loan, or personal loan

This company is taking 23 % of my paycheck. It is a high-interest loan company. I only make about {$1100.00} every two weeks and now I am only bringing him about eight hundred and can not pay my rent and take care of my family. This started on XX/XX/2018. They would not listen to me when I told them my wife has lost her job and put the past due amount on the back burner instead they added more interest.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed the bankruptcy you provided to Transunion was posted on my credit report after 1st investigation between the bureaus. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above bankruptcy from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above bankruptcy from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance 15 U.S.C. 1681n. Also how did this company verify the bankruptcy if XXXX & XXXX  court does not give share or confirm information to the credit bureaus or 3 party agencies. I am submitted proof of pacer & bankruptcy court letters.
Product: Prepaid card

I bought a VISA Vanilla Gift Card at XXXX XXXX on XX/XX/XXXX at XXXX for {$500.00} and paid an activation fee of {$6.00}. I attempted to use the card the same day, but the purchases were denied. I attempted to register the card and upon registering I had discovered that the funds were depleted by " XXXX XXXX. '' On XX/XX/XXXX at XXXX, I sent XXXX an email alerting them of the possible fraud on my account. I did not receive any response from them until a month later when they claimed that I did not have an account with them, and I should tell them the email or registered addressed. I don't have a registered account with XXXX and found the correspondence rather confusing. 

On XX/XX/XXXX, I also called Incomm to inform them that the prepaid card had been used fraudulently. They told me that I had to wait for the transaction to post before disputing, so I waited until XX/XX/XXXX and submitted a complaint # XXXX. 

I followed up two times with Incomm and they told me my case was being worked. 

Today, on XX/XX/XXXX, Incomm denied my dispute claiming that there was insufficient evidence. 

XXXX XXXX