23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Mortgage

XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. 
XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries are not mine, and I have no any connections to any of the creditors listed. They must be instantly removed from my credit report.
Product: Debt collection

I disputed this collection through the CRAs many times, and each time it was verified. I mailed a debt validation letter directly to National Credit Systems on XX/XX/XXXX. No response. I mailed a similar letter to the property manager on XX/XX/XXXX. No response.

I was forced to leave apartment due to ownership change and new rules about pets immediately, with no warning. I am asking for a complete breakdown of the {$2700.00} charges.I have no idea what these charges could be for? I left the apartment in cleaner and in better condition than when I moved in.

The only response I have received was a settlement offer from NCS on XX/XX/XXXX, so NCS can find me.
Product: Mortgage

A few weeks ago, I submitted an application with JPMorgan Chase to refinance my primary residence. Initially, I submitted a loan request of {$400000.00} pending a current appraisal. My appraisal came back, and my property was valued at {$540000.00} which means the maximum I could borrow was 80 percent ( {$430000.00} ). According to Chase own requirements and standards, as a Self Employed individual my DTI could not exceed a 43 percent. After submitting all the required documentation, I was told that based on my taxes for XXXX and XXXX, I could only be approved for {$360000.00}. ( My XXXX taxes are on extension until XXXX ). 

Given this reduction, I asked that the specialist provide me with a breakdown on how they derived to such a high DTI. After providing me with the breakdown, I discovered that the underwriters had miscalculated my monthly bills by approx. {$600.00} per month. Given this error and based off of Chase own policy, I qualified for the {$430000.00}. However, when presenting this to JPMorgan Chase, I was met with resistance. The specialist informed me that although I qualified for the increase that they would not increase the loan amount until they could verify my XXXX income. ( See direct quote below ) Hi XXXX, Thanks for sending us that file, and per your request to send you an email regarding my phone call this morning : since we do not have your XXXX tax returns, we wouldnt be able to update your verifiable income, therefore we have to remain with the current loan amount and counteroffer. 


I was shocked. How is it that I qualify for a {$360000.00} with my 2 year ( XXXX and XXXX taxes ) but I do not qualify for more unless I provide my XXXX taxes? So basically, Chase is saying that they do not feel comfortable giving me {$70000.00} unless I provide my XXXX taxes but are comfortable giving me {$360000.00} with the current taxes they were provided? Obviously, this is unacceptable and should be looked into. I am a minority woman, and this logic appears to be discriminatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries for XXXX appears twice on consumer report with no account Inquiry for XXXX XXXXXXXX appears on consumer report with no account 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written Instructions 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX
Product: Debt collection

Small Business account with Wells Fargo CLOSED on XX/XX/XXXX Credit Card was " frozen '' in XX/XX/XXXX to prevent any charges to be authorized during close down of business. All vendors/final payments were made by check. 

XX/XX/XXXX received call from former partner that was removed from all accounts with the business and wells fargo that he had received a collection letter for a debt in the amount of {$940.00}. 

We and the former partner contacted wells fargo and they stated a charge had been placed on the account. 
We also received the same letter the following Monday. 

Went to branch on XX/XX/XXXX met with representative. He stated to me that 1. The former partner was never properly removed from business accounts and that's why he was still getting letters. 
2. Stated to me that the account still showed " frozen '' /Authorization prohibited 3.  Checking account was closed for business, however bank did not close credit card account. 

XX/XX/XXXX Case sent to resolution department XX/XX/XXXX Received call from resolution team representative stating the account had been properly closed and none of the parties were responsible for debt. 
A letter would be sent out stating all discussed XX/XX/XXXX Called resolution team representative due to the fact I had not yet received any letter confirming above information. 
Rep stated they had just received all final approval that we are not liable for the business debt. 

XX/XX/XXXX All parties received collection letter stating debt was now {$1000.00} XX/XX/XXXX Finally reached representative that was handling our account stated to disregard the collections letters ; that it had been sent before resolution team could get with collection department stating parties not liable for fraudulent debt. 

XX/XX/XXXX Letters received stating above information. 

XX/XX/XXXX Received phone call from Wells Fargo debt collector stating debt was still being collected and the amount was {$1300.00} XX/XX/XXXX,XX/XX/XXXX Spoke to representative in the resolution department. I was inquiring to speak with the Loan Administration Manager that had signed the letter to determine why we were still in collections and being contacted by collections department. 
I was told the manager ONLY SIGNS LETTERS. Will not look at case or speak to customers. 

XX/XX/XXXX Spoke to different representative. 
She stated that even though the debt would not be the responsibility of the individual but would be that of the business. 
We explained AGAIN that the business was closed over 10 mths ago. There is NO MORE BUSINESS. The accounts were closed. The charge was made fraudulently because the accounts were CLOSED. 

This concludes notes to this point. Please contact me for full report with names, locations and real documentation of everything mentioned above. 
***I have a full 3 page report with names, location of branch, case numbers, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I have XXXX credit card accounts with Bank of America : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted BoA to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at BoA and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back BoA and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

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

In accordance with the fair act XXXX  account # has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

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


XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 XXXX2
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used the service XXXX to accept a payment for my work performed for an insurance brokerage. I had worked for XXXX full weeks, XXXX hours a day, appointment setting for this company. I sent them an invoice for {$600.00} and they paid the invoice in full. I have been trying to transfer these funds into my bank account for XXXX weeks now and today XXXX asked me to provide more information to initiate this transfer even though it said pending for XXXX weeks. I provided my insurance license, my drivers license, screenshots of the business conversations with the employer, my bank info, and all of the employers contact info. XXXX emailed me a few hours later that my account is being deactivated and my balance would be frozen for 90 days. The money I had genuinely worked for is being held from me for absolutely no reason, so I contacted support and I received XXXX message back that said they were unable to provide any additional information but the decision was final. 

I am horrified and upset. I have no recourse to elevate this or ask why this decision that hurts me significantly was made. This is my money and I did not expect to be antagonized. This is an abuse of consumer finance. I would like to have access to my funds, as I live paycheck to paycheck, and my business is completely legitimate. I can not wait 90 days. Additionally, the site will now not let me link a bank account so I dont even know how the money will get to me.
Product: Mortgage

i was approved for a loan by wells Fargo for the amount of XXXX to purchase a home from my uncle they needed a signed gift of equity letter but my uncle refused to sign it then the bank said they would have to issue a loan differently XXXX set up a loan with XXXX percent down and a escrow account 2 weeks before closing he said the underwriter needed XXXX percent down of which i did not have then he recommended rerunning my credit score without telling me if it was lower he would not provide the loan nothing change on my credit score as far as i knew except some bills were removed from collections as i have paid them off then he said my score was a XXXX but when i checked it was a XXXX so he declined to give me the loan he sent me to a credit union for twice the interest but too late for the closing now my uncle terminated the offer to purchase i wish to sue wells Fargo for the loan amount to find another home as i believe they discriminated against me
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a formal complaint against the credit reporting agencies ( CRAs ) Experian and XXXX for their continued reporting of inaccurate student loan data related to my account with XXXX XXXX XXXX XXXX Notably, XXXX has already updated and removed this information from my credit profile after recognizing the inaccuracies. 

My complaint centers on the failure of XXXX to provide a complete and original contract for my student loan, specifically a full copy of the XXXX Promissory Note ( XXXX ) which should include all XXXX pages, not just the signature page. This incomplete documentation calls into question the accuracy of the balance and other loan details reported by XXXX to Experian and XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies and the furnishers of credit information are required to report only accurate and complete information. Since Nelnet has failed to provide the original full loan contract, they lack the basis to verify the reported debt 's accuracy. Thus, any reporting of this loan 's details by Experian and XXXX is potentially a violation of the FCRA. 

Additionally, the Uniform Commercial Code ( UCC ), which governs negotiable instruments and transactions, stipulates that a promissory note must be complete and unambiguous to enforce payment. The provision of only a partial document ( the last page of the MPN ) by XXXX fails to meet this standard. 

Requested Action : I hereby request that he CFPB implore Experian and XXXX to immediately remove the inaccurate reporting of this XXXX student loan from my credit reports. This action is justified by the following legal and regulatory standards : Fair Credit Reporting Act ( FCRA ) : Requires the accuracy and completeness of information in consumer credit reports. 
Uniform Commercial Code ( UCC ) : Requires a complete instrument to enforce debt obligations. 

Supporting Case Law : In Johnson v. MBNA America Bank, NA ( 2007 ), the court held that furnishing inaccurate or incomplete credit information violates the FCRA.

In Smith v. Equifax Information Services LLC ( 2010 ), it was ruled that a CRA could be liable for not properly investigating disputed debts.

As NOTICE I am prepared to take further legal action, including arbitration or litigation, should Experian and XXXX fail to resolve this matter promptly by removing the disputed account information, as XXXX has already done, which again emphasis XXXX XXXX of how can you both be be correct and assure maximum accuracy of the info? 

15 U.S.C. 1681e ( b ), specified that : Accuracy and Fairness of Credit Reporting : The agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please treat this matter with urgency and thoroughness it demands. I expect a written confirmation of the removal of this information within 30 days of your receipt of this complaint. 

Thank you for your attention to this serious matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Confirmation Number : XXXX Transaction Amount : {$130000.00} Sender : XXXX XXXX XXXX XXXX ( XXXX ) Sending Bank : Bank of America Receiver XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Transaction Date : XX/XX/2023 Arrival Date ( Promised ) : XX/XX/2023 The promised date for the funds to be received was XX/XX/2023, but the funds haven't been received yet. There's a real-estate closing involved in this matter for which the funds were transferred, due to this 3 days delay, I'm unable to close the deal and being threatened for a violation of contract as I was unable to close on time. BOFA tells me the payment was sent from their end but the receiver bank says they haven't received anything.
Product: Debt collection

DATES OF CERTIFIED MAIL SENT TO TRANSUNION AND XXXXXXXX XXXX REQUESTING VALIDATING AND VERIFYING INFORMATION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE NOT RECEIVED ANY OF THE REQUESTED INFORMATION VERIFYING OR VALIDATING THE ACCOUNTS THAT ARE DAMAGING MY CREDIT REPORT. THERE ARE SEVERAL INACCURICIES LISTED IN THE INFORMATION BEING REPORTED BUT IT IS REPORTING TO MY CREDIT REPORT AND IT IS NEGATIVE. THIS NEEDS TO BE HANDLED URGENTLY AND REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental home and my loan was sold to XXXX XXXX on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Product: Debt collection

AMERICOLLECT is claiming that I owe them {$150.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

Discover bank is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me. In addition, the balance reporting on the XXXX 's is not accurate and does not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes TransUnion, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e TransUnion, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.