23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/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
Product: Payday loan, title loan, or personal loan

I have autopay setup with Grain Technology , Inc. ; so that payments are drafted automatically from my checking account each month. Grain sends an email ( attached ) stating that Auto-Pay is set up & they will take care of the rest. However on XX/XX/2022 I received an alert from XXXX, XXXX XXXX XXXX that my account with Grain was 30Days past due. Also the same day I received an email from Grain stating " We have lost connectivity into your bank account. '' And finally when I tried to log in to make a manual payment I received a message that said : " Verification Pending '' & I was not able to proceed to make a manual payment.
Product: Mortgage

A mortgage officer/sales manager offered first rates and terms with no restrictions. An executed purchase contract was provided to Citizens Bank on XX/XX/XXXX with no response. I contacted the mortgage officer by email on XXXX XXXX to follow up on next steps and received a email undeliverable message. I had to contact a general customer service line at the bank to determine who I should contact, since I had received no indication that the first mortgage office had left the company. 
I reached out to a second mortgage officer who declined to honor the unrestricted rates and terms and indicated that the first mortgage officer was not authorized to offer the first rates and terms and that she could offer second rates, which I declined. I requested by email that the matter be escalated to determine why the first rate and terms were offered to me at all. 
XXXX XXXX I had to reach out to the second mortgage officer, by phone, since I had not received any response by email and again asked the matter to be escalated. 
That afternoon I received the second rates again from the second mortgage officer, with no acknowledgment that these were different from the first rate and terms or that they had been previously offered on XXXX XXXX. I reached out to a supervisor who was also not able to answer questions about how the first rate and terms were offered and again declined to honor the first rate and terms. 
The evening of XXXX XXXX the second mortgage officer indicated, via email, that the rate for the application had been locked at the first rate with an exception requested for discounts points needed between the second rate and the first rate. The second mortgage officer indicated that disclosures would be circulated on XXXX XXXX. 
The disclosures were not provided until XXXX XXXX. The rate in the disclosures was locked at the first rate ; however, the PMI and closing costs were highly elevated above the first terms such that the mortgage was unreasonable. This complaint followed.
Product: Checking or savings account

I disputed some fraudulent charges on my Chase Bank account, which the denied. 

I did not give anyone my card or my PIN number and my phone and wallet was also stolen. 

My Pin was the code to my phone so whoever stole my debit card already knew the code to my phone. I never shared my PIN number so they must've been someone I knew personally. 

The person has to be one of my old care-takers, my wife had to fire a few of them because they were caught stealing other things from our room in the past. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CLAIM # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all XXXX of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau. 
they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/ for the company to correct to inaccurate reporting and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax INC put a collection on my credit file. I contacted the company, XXXX XXXX XXXX over the account. The XXXX states that on XX/XX/XXXX they sent a request for the information to be deleted off my credit file. Its been two months and the account still remains on my credit file. The account is a collection account. After making a complaint on this company that I do not owe and have no contract with Equifax still has the account showing on my credit file! Equifax needs to delete this account off my credit file immediately!
Product: Debt collection

Debt collector calling my place of work and home and a distant relative many times after they were told not to call back I have a XXXX child and they call non stop Today X/X/2018
Product: Student loan

Navient is telling me that I need to pay the full monthly amount and has not offered me anything to lower the monthly bill which is far out of the realm of affordability. I asked if I could speak with someone about programs so she connected me to another service rep who told me that I would not be able to look into a program until the same day that my monthly payment is set to go up. Then she gave me a date in which my payments would go up which did n't match the date given on my paper bill I had in my hand. they will not allow me to make any changes until the date that it 's supposedly do but by then, according to the paper, it will be two months of insanely high payments that I ca n't afford. So basically I was offered no sort of help. I then asked to transfer the payments to my own bank card rather than my cosigners account and was told that I could not do that either. Should n't there be an income-based repayment option offered? For years I was talked into forbearances without ever being told I can do an income-based payment. I 've been paying for almost 10 years and my loan is almost {$13000.00} more than what it started out as. This is so wrong. Never mind the fact that I signed these loans as an XXXX-year-old kid not having a clue what the real world was like. at that point I did n't realize money did n't grow on trees, and I did n't realize these huge amounts of numbers were going to give me financial ruin for the rest of my life.
Product: Credit reporting or other personal consumer reports

Experian credit Bureau plus Clarity information... 
I spoke with agent XXXX XXXX at XXXX on XX/XX/XXXX... she going over my credit report ( friendly ) she is very through!! 
Asked to Verify, send code credit card code XXXX and my credit card info to process {$1.00} fee, credit score XXXX XXXX, Experian XXXX, and XXXX XXXX ... that's been reported I'm expressing concerns w Experian reporting me low due to my XXXX XXXX XXXX XXXX XXXX bill being a high balance of {$180.00} .. my XXXX XXXX bill has not changed but instead its a credit of {$250.00} XXXX reporting wrong excessive balance but its a credit. On their 2x one w a XXXX balance. Showing negative XXXX XXXX, car installation closed dated open off 11days.. last reported different dates, XXXX XXXX XXXXnd XXXX and different balances, unknown balances ( disputed ) flagged XXXX XXXX pymts states Experian and XXXX 2 different ope

n and closed dates credit limit wrong. Plus balance ( disputed ) flagged.. Hard inquiries.XXXX XXXX. XXXX XXXX XXXX Unauthorized consent and inappropriate inaccuracy all SCORES ... ELECTRONALLY REMOVE THEM. ( DISPUTE ) FLAGGED Plus XXXX XXXX XXXX, XXXX late 30 days and Experian current!! Reporting degreatory, how marked late when paid-off Student loan, XXXX balance, unknown payments, degreatory, open date off my 20days, last reported last month! Balance XXXX original balance {$2700.00} dispute ( flagged ) XXXXXXXX XXXX {$500.00}. Date opened off 28days, XXXX XXXX balance. Delete no proof their records only go back 2yrs disputed ( flagged ) XXXX {$150.00} degreatory XXXXXXXX XXXX degreatory, never late XXXXXXXX XXXX wrong XXXX marked wrong XXXX  Never late, showing degreatory for no reason XXXX. Wrong balance! Showing {$730.00} payments but it's {$530.00} balance {$20000.00} they are not processing loan correctly I thank her!! 
She's amazing!!
Product: Credit reporting or other personal consumer reports

This is not a mistake, and I need this issue addressed immediately. My credit report contains mixed and inaccurate information, including accounts, transactions, and personal details that do not belong to me. Despite my repeated efforts to resolve this, these errors persist, causing me extreme stress and negatively impacting my financial stability. Additionally, incorrect personal information is linked to my report, further complicating my credit profile.
Product: Vehicle loan or lease

I applied for a COVID 19 forebearance in XX/XX/XXXX due to losing my job because of Covid 19 and today I received a Debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my car loan payment wasnt received for XXXX and they are reporting this information to the credit bureau agencies. I received an email shortly after my application for forbearance that my request to not pay for 3 months was accepted but they are now still reporting this lack of payment to the credit bureau. I received the delinquency letter from them dated XX/XX/XXXX and When I just called them they said they called me and I didnt answer the phone so they are not accepting my forebearance request. This bank is not following federal guidelines due to the Covid 19 crisis mandates. Please contact XXXX XXXX XXXX XXXX to ask them why they are not abiding by Federal rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my current credit reports from XXXX, XXXX and Equifax and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. Equifax shows 90 days late twice and 6 other times late 60 days late. While XXXX and XXXX shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, My name is XXXX XXXX and I have been a victim of IDentity Theft. 

The thief took my bag that had my phone and wallet and did multiple transactions that I did not authorize. 

I tried disputing it with Square and they're breaking the law. I am FDIC insured for up to XXXX and it is the bank 's responsibility to conduct a thorough investigation. I have shown mountains of evidence that proves that I did not have my card or phone in my possession. 

I have since gotten a new phone and wallet. 

Please have them give me temporary credit while they investigate this matter. 

Telling me " take it up with the merchant '' is extremely illegal!
Product: Debt collection

I sent this debt collection agency AFNI a debt validation letter I believe on XX/XX/2023. They never responded per the FCRA they have to remove this debt I say I owe off my credit for failure to respond to the debt validation letter.
Product: Mortgage

We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Product: Checking or savings account

I recently closed a CD prior to maturity. On XX/XX/2022, the net amount of {$25000.00} was transferred to my savings account. I've asked for a reconciliation of the amount transferred and my request ( via both phone and message ) has thus far been ignored. More specifically, I've asked the following : Can I get a reconciliation of how this CD closure net amount was computed? 

Beginning Balance + Accrued Interest - Penalty Interest = Ending Balance {$25000.00} + Accrued Interest - Penalty Interest = {$25000.00} Accrued Interest =??? 
Penalty Interest =??? 

Is anyone there???
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. 


1XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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 reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX  services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX  XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.
Product: Mortgage

I purchased a home in XXXX Oregon in XX/XX/XXXX, in XXXX I had financial hardships which led me to calling Wells Fargo and asking them to refinance my loan and help me stay in my home. I begged Wells Fargo for help explaining my situation and asking for a workable solution which could have been refinancing my existing loan. They just continued to tell me there was nothing they could do. 
Dealing with Wells Fargo was exhausting and demeaning. They would switch you around to different people. I was then told I was being foreclosed on and that I would need to move. I continued to make house payments for 3 months but WF started foreclosure proceedings.

Prior to moving I contacted Wells Fargo and told them the exact day I was leaving the house and I would drop the house keys off at Wells Fargo which I did. I assumed they would watch out for the house knowing it would be vacant. 
I moved XX/XX/XXXX to Nevada shortly after I moved squatters broke in. They went to the street turned on the water and ran up {$1000.00}. + dollar bill and sent me to collections. I called Wells Fargo mortgage and asked them to help secure the house which they did nothing. I asked XXXX police to see if they could remove them since I lived in Nevada and could not help. They did go over and tell them to leave. Not long after that squatters came back cut the lock off the water main in the street and broke in again. I called Wells Fargo again and asked for some type of assistance in securing the house to prevent damage they told me I was responsible until the property is foreclosed on but they couldnt tell me when that would happen. The police went back and kicked the squatters out again and boarded up the property weeks later I received a letter from the city saying they were going to sue me for having the house boarded up. I called Wells Fargo again trying to get some help with the house but they essentially said its your problem we dont know when it will foreclose till then its your problem. 
When Wells Fargo finally foreclosed they made a homeowners claim against my insurance company! They had the nerve to say household items were missing! No kidding! how many times had I tried to get help from Wells Fargo to secure the property. My entire dealings with Wells Fargo and their total disregard for me or my home the took 2 years to foreclose on was astounding. The shame I endured losing my home the city I loved and my friends was heartbreaking. The house sold in XXXX for XXXX and is now worth XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.