23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started having problems making our payments and 2 months into our ordeal we were contacted by a representative of " XXXX XXXX '' who we paid {$700.00} to help us modify what they said would be an easy modification, we gave them 2 payments of {$350.00} and We were told to wait for them to contact us BUT that never happened. We tried endlessly to contact the representative who tool our paperwork and money BUT after several months we just got a disconnected number. We were talking to a friend of my son who is in Real Estate who told us that our bank XXXX XXXX  should have reached out to us to give us options BUT we never got contacted regarding those options, we just thought we would wait until the sheriff would kick us out once the bank took our home.Since learning that we had options my wife tried contacting XXXX XXXX at XXXX BUT NEVER got a call back. We have also called him to request a postponement of the sale of our home due to what we believe to be an unlawful foreclosure BUT again we are yet to hear back from the representative in charge of our case. Facing the pending Foreclosure on XX/XX/XXXX is putting a tremendous strain in our family so we are praying and hoping that your institution can help.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items which has caused an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I attended a vacation timeshare presentation by XXXX in exchange for a free XXXX night stay at XXXX of their properties. 

We declined to purchase the timeshare options provided. They indicated they'd need our social security numbers to put us " into the system '' to get our gifts, and also to allow them to show us better deals ( to attempt to get us to change our mind ). I provided by social security number verbally and the employee punched my info into their XXXX. They left to their office and upon returning noted that we had excellent credit. Not having expected my credit to be pulled I inquired if this was a hard pull because I didn't want a credit inquiry on my record. They said no. They presented financing options which we declined. We signed one paper indicating that we declined all their offers and left. 

The next day I got an alert on my credit monitoring that said there was an inquiry. It turns out they did a hard pull without my authorization. 

A few days later I got another alert that a credit card from XXXX XXXX Comenity with a {$5000.00} credit line was opened in my name. I did not authorize any credit to be opened in my name. 

I contacted the company and they indicated there was nothing they could do. I was told that if I dispute the reports with the credit reporting agencies, XXXX will simply decline to respond. This should " resolve '' the issue because they will drop off of our report. They said this is their standard practice at the advice of their lawyer because they receive many such disputes on a regular basis. 

I asked for a copy of the documents with which I supposedly authorized this credit pull and credit account. They said they could not provide such a document. 

I have already disputed the inquiry ( with one agency ) as well as the account ( with all three ). The agency that has the inquiry has responded and indicated that because the pull did occur they can not remove it from my credit. However since this inquiry was made without my authorization it was in violation of the Fair Credit Reporting Act. ( In addition to this complaint I intend to pursue statutory damages under that act. ) The fact that they receive disputes regularly indicates they are knowingly continuing to perpetrate this fraud. Simply declining to respond to credit reporting agency disputes is not a satisfactory resolution.
Product: Payday loan, title loan, personal loan, or advance loan

This statement is being sent to you in response to a bank garnishment notice sent by a company XXXX XXXX XXXX XXXX XXXX XXXX from a judgement that I have no knowledge. They claimed I received judgement from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$6000.00}. My XXXX XXXX bank accounts are now frozen because of this, and a hearing date is scheduled for XX/XX/XXXX to contest the garnishment. I think this is the company who keeps calling and claiming they are a XXXX XXXX. I have asked them to stop calling me and to send correspondence. I really believe they are ones who keep calling me from different numbers. I have also disputed this on all my credit reports which are still open because they haven't responded. 

First, I do not know of this company ( XXXX XXXX XXXX ) do not owe them any money and I have never been served with any notice advising me I had a court date and possible judgement. I contacted the company on the phone and was told by the person they are a XXXX XXXX, and the service was done on XX/XX/XXXX, around XXXX. I live in a secure property and building which requires a key fob to enter and visitors MUST sign in with the leasing office. The leasing office opens at XXXX M-F and I was told no one signed in to visit my unit on that date. Since the office was not open, I was told if any visitor entered any of our secure buildings or property without permission and code from leasing office would be considered trespassing and the person would have had to illegally follow someone who had a key fob which would be considered breaking the law. There are posting all over the property advising visitors to sign in with the leasing office. 

Second, I was laid off from my XXXX in XXXX and currently unemployed and on employment insurance. I am also currently enrolled in school on a grant to finish my degree. 

The company who sent the garnishment letter is below .... 

XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can provide you with my name, address, email and cell if needed. 

Thanks in advance for your assistance. 

XXXX XXXX
Product: Debt collection

On XX/XX/2024 i sent a cerified debt validation letter to leafy financial. It was signed for XX/XX/2024. I never recieved validation or any letter for that matter. I also filed a police report along with another account that i did not open. They are investigating both. Its been over 30 days since they recieved the letter and i got no responce. I want this removed from my credit report immediatly.
Product: Checking or savings account

For months I've been severely affected by the two items in my XXXX XXXX XXXX and Citizens Bank When I contacted Citizens I provided my FULL SOCIAL to verify the alleged account ending in XXXX with the alleged amount of {$430.00} and verify it so I could make plans to resolve it ( since the account was still owned by them ) they could not find any record of said account that is reporting NEGATIVELY and defaming my character via XXXX XXXX. 
Yesterday XX/XX/2021 I pulled my account and it's still there. This is inaccurate and frivolous they can not find the account, it should not be reported, also there is no " closure status date '' for Citizens and there is one for XXXX this is INCOMPLETE. I do not agree with this. 
This defamation of character is hindering my ability to open bank accounts and better my future for my children and me.
Product: Payday loan, title loan, or personal loan

I opened a checking account with BB & T in XXXX XXXX. About a year later my ATM card had been breached and I was concerned with hackers being able to access my checking account. I went to the BB & T branch in XXXX XXXX to move some of my funds out of the checking account and open a savings account. While opening the savings account I asked XXXX XXXX if they could link my saving account to my checking account. He said NO. I told him I wanted overdraft protection on my checking account. He stated that he could offer an overdraft protection that would cover low funds but there would be a {$12.00} charge each time it was used. The normal fee is around {$30.00}. I accepted this overdraft protection. XXXX DID NOT tell me that the overdraft protection was a " constant credit '' account. Nor did he inform me that the account would be subject to an 18 % APR. He did not inform me that there would be a payments on the constant credit account. He NEVER told me that the overdraft protection was new account based on credit at 18 % interest. In XXXX I became aware of the account because BB & T changed their online banking website. For the first time I saw that along with a checking account and savings account, I had another account. I went to the bank the same day and spoke to XXXX. He informed me that HE did not set up the account, he stated it was set up by XXXX XXXX and XXXX no longer worked at the bank. XXXX told me there was nothing BB & T could do about the account, the interest charges or fees on the account. I contacted the XXXX number for BB & T later that day and discovered that XXXX XXXX was actually the person who set up the account, he was the person who had told me in person that BB & T could NOT link my savings account to my checking account. To date I have personally contact acted XXXX two times and personally talked to the branch manager. So far they have offered to void the last 90 days of interest on the account. I have more of an issue with the fact that the bank representative, XXXX XXXX, lied to me regarding the ability to link my savings to checking. Also that he failed to inform me that his overdraft protection was actually a credit account at 18 %. I would be satisfied if BB & T would acknowledge that I was mislead and concede any debt on my behalf pertaining to the 18 % interest they charged on an account I did not know existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH EQUIFAX FOR YEARS. REPORTING IN ACCURATE INFORMATION ON ME. MY CREDIT REPORT I LEARNED HAS MIXED FILES AND I HAVE A SPLIT FILE. I HAD A IDENITY THEFT SITUATION WHICH XXXX  AND XXXX   WAS ABLE TO FIX IN A TIMELY MANNER. NOW FOR INSTANCE THERE IS A AUTO LOAN AND COLLECTION RECENTLY APPEARED ON MY EQUIFAX REPORT AND THE LADY IN THE OFFICE OF CONSUMERS AFFAIRS TOLD ME THAT THE AUTO LOAN ALLY FINANCIAL DISPUTE CAME BACK LAST MONTH IN XX/XX/2018 AND THAT CONFIRMATION CONFIRMED THAT IT WAS SUPPOSED TO BE DELETED AND STATED THAT SHE WAS SENDED IT TO MAINTENCE TO HAVE IT REMOVED WITH THE OTHER LISTED ACCOUNTS I HAD PREVIOUSLY DISPUTED. I HAVE BEEN DISPUTING ITEMS THAT HAS BEEN APPEARING ON MY CREDIT REPORT NOW FOR A YEAR DUE TO EITHER IDENITY THEFT OR MIXED FILES AND SEEMS LIKE IM GETTING NO WHERE. I KNOW THERE IS A MIXED FILES WHEN MY EMPLOYER INFORMATION KEEPS DISAPEARING OFF MY CREDIT REPORT AND STUDENT LOANS ETC. ALSO ONE REPORT SHOWS I HAVE 4 INQUIRES THEN THE NEXT IT IS SHOWING I HAVE 20, WHEN I CALL AND INQUIRE ABOUT THIS THEY CLAIM THE ONLY SEE 1 OR 2. SO ITS NEVER CONSISTENTLY AND I BEEN CALLING ALMOST ON A DAILY BASIS.
Product: Credit reporting or other personal consumer reports

I tried several times to obtain my credit report from both XXXX and Trans Union. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. XXXX and Trans Union are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me immediately.
Product: Mortgage

I applied for refinancing my current mortgage with Bank of America and it got denied because they claim that they did n't get the accurate employment history from me even though I sent in all my previous XXXX 's and an offer letter for a new job on X/XX/17. After emailing all the information XXXX XXXX from BoA has requested, he assured me that everything ( including all my XXXX 's ) looked great and asked me to charge my credit card for the appraisal fee of XXXX on X/XX/17. At the end, the underwriter denied my application because not being employed for the last 6 months continuously was against their guidelines. Afterwards I asked for the reimbursement on my appraisal fee since it 's truly due to his oversight on this matter. If not being employed for the 6 months was indeed a problem, then he should have brought it up then. Instead he asked me to move forward with the appraisal without reading all the documents I emailed him. I tried to resolve this matter amicably by emailing him multiple times but I did n't get any response regarding this matter. I would really appreciate your help on this!
Product: Mortgage

In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX # XXXX Registered Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all XXXX credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, XXXX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.
Product: Checking or savings account

I was scammed by someone acting like chime bank. They got into my phone and transferred money to someone I don't know. {$900.00}. Chime is refusing to give it back. I need my money back please! Chime will not do a good investigation and this is hurting me financially and emotional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX and XXXX furnished inaccurate and damaging information to my consumer credit report Experian XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Account Balance : {$11000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.
Product: Mortgage

This complaint is about Lakeview Mortgage Co, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and the law firm that handled the closing of my refinacing. 
We closed on XX/XX/2021 and I was to receive a check for {$170.00}. On or about the next following Tuesday I received an urgent email from XXXX about a closing which I had to agree to for XX/XX/2021. I responded that we had already closed and I was surprised she didn't know about it. She then told me there had been an error on her end and we needed to repeat the process. She further told me I had done nothing wrong. For the next few days I repeatedly asked about the error but got no response. On XX/XX/XXXX the person came again to my house totally unaware this was a second closing and totally unaware of the problem. He also told me he was not leaving without a check from me for {$140.00}. So their error cost me {$320.00} and I still had no explanation about the error that cost me {$320.00} and caused a second closing requirement. 
The next week I had to threaten to invoke my right to cancel before I could even get a return phone call about the error and then it was at the last minute. 
XXXX called me with an explanation about a closing violation and told me my check for {$140.00} would be returned to me and I would also get a check for the {$170.00} which I was to get from the first closing. Last week my check was cashed by your company and I have yet to receive the your check for {$170.00}. 
At the second closing the attorney that came to me home told me he would scan the documents and email them to me that night. I never received that email and had to way to reach him. A week after the second closing I got a call from the XXXX XXXX XXXX about the {$140.00} check to confirm the address. I also asked the person about getting a copy of the closing documents since I never received them. She said she would send me my copies. I received the {$140.00} check the next day but no documents. Today I called the XXXX XXXX XXXX again to follow up on obtaining my copies of the closing documents. I also got the phone number of the attorney that did the second closing and call him to find out why he never emailed me my copies. He told me he did but the file was too big and was rejected. He also told me he he zip filed it and re-sent it the next day. I received nothing from him. 
Since the second closing I have exchanged emails with XXXX XXXX several times saying her firms takes complaints very seriously and she had referred my case to her complaint department. I never have received and clear answer as to why we had to do a second closing, why it cost me {$170.00} and why I don't have copies of my signed closing documents. 
This whole matter was handled in a very unprofessional manner and I was lied to to get me off the phone and placated until the 3 day cancellation period expired Thank you for your help with this matter