23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was given a pre-qualification letter by XXXX XXXX of FNB on XX/XX/19. I was told in writing and over the phone that they would pull the equity out of my current home to be able to purchase the new property. I submitted all required documents and completed the loan application on XX/XX/XXXX. I was then contacted by XXXX XXXX from FNB on XX/XX/XXXX and was told that I needed to open an online banking account with FNB in order to qualify for the interest rate that was promised. On XX/XX/XXXX I completed the online banking application and have recently been billed for this account. After repeated calls to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, to get a status, he finally wrote back to me on XX/XX/XXXX, telling me that he was still waiting to get the appraisal back on the bridge loan but would get back to me later that day. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also had my Real Estate agent call to get a status as we were supposed to close on XX/XX/XXXX. Finally, on XX/XX/XXXX, XXXX responded via email that they couldn't do the bridge loan because he thought they could get the full value of the equity originally but was capped at 75 % -80 %. I then told XXXX on XX/XX/XXXX that I could take a penalty and pull the money out of my 401k. He told me that I should do so. I applied the same day and had the funds available 2 days later ... and wired them to the Title Company so that we could close by XX/XX/XXXX.  Once again, XXXX never followed up. After reaching out to him on multiple occasions with no response, he finally responded on XX/XX/XXXX that he had spoken with his VP and that everything was good and that I should get confirmation later that evening. I then received a XXXX at XXXX XXXX and signed it, the evening before departing on vacation. On Wednesday, XX/XX/XXXX, I  received an email from XXXX stating that they were changing the plan once again and that I needed to pay an additional {$15000.00} to buy down the rate to 3.5 % to get the debt-to-income ratio below 50 %. I was told that he needed my answer immediately and so begrudging sent him a note that we accepted. He told me that the mortgage would drop to {$3300.00} and that cash to close would go up to {$170000.00}. I agreed to everything. Then, on Monday, XX/XX/XXXX, I received an email from him that once again, they were changing the plan and that I needed to either give them another {$25000.00} to buy the rate down lower or that I would have to buy my leased XXXX. 

As a result of all of this, I am at risk of forfeiting my {$10000.00} in earnest money, I have already spent ~ {$3000.00} to get the well inspected and the property survey. I will lose ~ {$20000.00} in 401k age penalties. I am getting billed for an FNB bank account that I never wanted and have paid for utilities at the new place. All together, this Bank has probably cost me nearly {$35000.00} due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XX/XX/2020 I noted via my XXXX XXXX credit monitoring account that my XXXX account was all of a sudden being reported with the incorrect amount of years for the account being opened. 

2. I filed a dispute via XXXX XXXX credit monitoring system requesting that the XXXX account open date be corrected to reflect the correct open date 3.Trans Union DELETED the account without investigation. See attached investigation letter solidifying that no effort was made to verify and correct the account with XXXX 4. I contacted Trans Union as to advise I didnt request removal of the account but rather correction and was advised to contact XXXX XXXX. I contacted XXXX who investigated and re-reported the account to all 3 major credit bureaus. 

6. Despite the many attempts of XXXX to get Trans Union to show the reporting on my credit file, they continue to refuse and stating as its reasoning that as a policy they automatically remove because disputed authorized user accounts forever. 

As a consumer, I did not request the account to be removed from my credit file. I simply requested that the erroneous information be corrected. 

This is an account that my parents added me to more than 20 years ago to help establish my credit history and over those years I have maintained a stellar history. 

Trans Union removal of this account as supposed to correction as requested has tanked my score by 23 points because I no longer have the 20 year credit history reporting on my credit reports
Product: Credit reporting 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 XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 112022XXX has violated my rights.

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. 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 seven 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, credit repair services, or other personal consumer reports

XXXX XXXX sent some updated letters after resolving fraudulent balances in my name. I am needing a updated copy of my EWS consumer report mailed to me to see if my report has been properly updated.
Product: Student loan

My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with Equifax over 15 times concerning XXXX XXXX XXXX account # XXXX - there was inaccurate and incorrect reporting for years on this account before it was paid off - even XXXX did not have the correct information. XXXX has changed the reporting on this count at least 5 times and Equifax has this on record. According to section 1681i - they are to perform a reasonable investigation and once that investigation is performed the information has to be updated or deleted. Well in my case Equifax sent me letters stated the account was verified and then came back with letters after more disputing saying XXXX updated. Well if XXXX updated multiple times - that should let Equifax know the information is incorrect!! If the information is correct why continue to change the dates I was late over several years - multiple times? If XXXX is furnishing accurate information they should have a need to continue to change and update and change the original updated information - then go back and change that information several more times. The inconsistencies and errors on this account are appalling and have violed the FCRA and maximum accuracy standard. Please delete this inaccurate account from my credit report. At the very least the entire account should have all late payments removed because of the inconsistent and inaccurate reporting on this account. Lastly, since XX/XX/2021 my Equifax XXXX XXXX score has dropped 20 points for no apparent reason and I am thinking it is associated with something to past disputes. Please resolve my scoring as well.
Product: Credit reporting or other personal consumer reports

Subject : Rebuttal to Experians Fraudulent Claim Regarding My Police Report ( see attachments ) Dear Consumer Financial Protection Bureau, I am formally rebutting Experians baseless claim that my police report is not valid and disputing their continued violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). Despite providing a valid police report ( XXXX XXXX Police Report # XXXX ) and an FTC Identity Theft Report ( # XXXX ), Experian has unlawfully refused to block fraudulent accounts, falsely asserting that my identity theft claim was made in error. 

Experians Violations of Federal Law 1. Failure to Block Fraudulent Accounts ( FCRA 605B ) Under FCRA 605B, credit reporting agencies must block fraudulent information within four ( 4 ) business days upon receiving a valid identity theft report. The law explicitly requires : A copy of an identity theft report Proper identification Identification of fraudulent accounts I have submitted all required documentation, including : A valid police report ( # XXXX ) filed with XXXX XXXX Police FTC Identity Theft Report ( # XXXX ) A detailed list of fraudulent accounts Experians refusal to comply directly violates FCRA 605B, as they have failed to provide any legitimate basis for rejecting a law enforcement-generated identity theft report.

2. False and Deceptive Practices ( FCRA 1681s-2 & 15 U.S.C. 45 FTC Act ) Experians claim that my police report is not real is a deliberate misrepresentation designed to avoid compliance with federal law. Under FCRA 1681s-2, credit reporting agencies and furnishers must not report information they know to be inaccurate. Additionally, under 15 U.S.C. 45 ( FTC Act ), deceptive business practices are illegal. Experians refusal to block fraudulent accounts despite receiving legally sufficient documentation is a clear violation of these statutes.

3. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) Rather than conducting a proper reinvestigation, Experian has issued a template response, failing to : Contact the XXXX XXXX Police Department to verify the report. 

Provide any evidence that my claim is invalid. 

Address my specific disputes with individualized attention. 

This pattern of automated denials and refusal to investigate violates FCRA 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 

Fraudulent Accounts Still Listed on My Experian Report Despite my multiple disputes, the following fraudulent accounts remain on my credit report, further demonstrating Experians failure to comply with federal law : XXXX XXXX XXXX Date Opened : XXXX/XXXX/2021 Balance : {$0.00} XXXX XXXX  Date Opened : XX/XX/year>2021 Balance : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt apply for loan with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Vehicle loan or lease

The catalytic converter was stole out of the car and tried working with the Auto Trakk while in the hospital battling XXXX. After I was not able to buy the stolen part for over three months I decide to buy a new car after several conversations with the dealership. I did not see the paperwork until after recently. I emailed and called Auto Trakk 's customer service. I asked for someone to send a copy of the breakdown of the charges of {$1800.00}. A copy of the what i have paid and what was applied. I paid {$200.00} per week for over 57 weeks. The amount of XXXX paid and I still owed over 12K and an additional XXXX  paid on my new loan. Auto Trakk is refusing to send the statement of paid amounts and the what the monies paid.
Product: Debt collection

Collector contacted me after XXXX on sunday XX/XX/XXXX at XXXXXXXX XXXX I received a call from Kohls XXXX regarding collection and I notified them they were calling illegally. This is the second occurrence. The prior incident occurred a week prior.
Product: Credit reporting

I have repeatedly requested an investigation into fraudulent activity on my credit report with Equifax. An onslaught of fraudulent inquiries remain on my credit report and wish for them to be actually investigated and removed. It is illegal to keep these on my report and dragging my score down without any attempts from Equifax to even look into them. All I get are immediate responses of the same " inquiries are a factual record ''. XXXX and XXXX both looked into these inquiries and had them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do n't have any dates or amaounts. Learned about this weeks ago on the news of the credit bureau hack! I was a victim but not sure if any of my personal info was taken. Keep tracking my credit report and if there are any changes like withdrawals. what I did is freezed my credit account and statements as Equifax insisted but this happened months ago and the public did n't know to recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue 1. TD Bank mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for 18 months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue 2. I paid the requested mortgage sum amount as personally directed by TD Bank upon completing 18 months of forbearance and it sat in the TD mortgage account, labeled by TD Bank as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

TD Bank has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / husband 's credit report. When I called TD Bank on XX/XX/XXXX about these 2 credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the 2 error reports on our mortgage account credit history. 

Thank you!
Product: Checking or savings account

On XXXX XXXX, XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Wells Fargo Bank in XXXX XXXX, CA. I had {$5000.00} cash to deposit to my business account. There was a long line and only one teller, so I was directed to use their ATM there on the floor. I put in the entire {$5000.00} in bills, but the ATM stated to me that I had deposited too many bills and was returning them to me. I waited ; instead I received a receipt for {$1800.00}, a receipt for {$400.00}, and one crunched up {$100.00} bill. No more money was returned. I immediately called a bank manager over to complain why the remainder of my money was not returned. He only said he would file a claim. He handed me his card with the claim number on it and that was all he did. I I left w/o the remainder of my cash deposit which is {$2700.00}. Within 12 hours I reviewed my account on line and verified that the only deposits credited to my account were {$1800.00}, {$400.00} and {$100.00}. I received a temporary credit 2 weeks later for the {$2700.00} and then received a letter on XX/XX/XXXXXXXX  stating that the {$1800.00} deposit was correct and is all I would receive. There was no reference to the {$400.00} deposit or the {$100.00} bill which was returned to me. No one from WF claims ever contacted me for a statement or did any investigative effort. WF has kept my {$2700.00} with no accounting whatsoever. I have banked with WF since XXXX and run 7 accounts through this bank. I am angry that they kept my money, gave me absolutely no accounting and no communication
Product: Student loan

in XXXX of 2020, I saw an ad from XXXX about a XXXX XXXX program and it says nothing is paid until you get into the industry. I spoke to the admission director and they promised nothing is paid until I make $ XXXX and in the tech industry, and after I finish, they will help us find XXXX XXXX  XXXX XXXX XXXX. I started the program with them, and they asked me to connect with Leif ISA, income share agreement, im not in that industry and they can tell, but leif is trying to get money from me and XXXX is not helping and push the ball to Leif. Leif said they dont know about what XXXX promised me.
Product: Checking or savings account

Capital One bank has been holding my direct deposit for 3 days and blames it on a technical issue. They are not communicating or providing updates and have still not deposited my money even though they said the issue would be resolved by Friday morning.
Product: Credit card or prepaid card

There was something ordered on my card from XXXX that was never received. XXXX originally told me on several occasions that they would refund me, then they started saying to dispute it with my bank. Which I did however capital one keeps allowing them to pull payments from my card. They said that they are not able to block them even though I never received an item from this company. I am afraid to pay my card off because they keep charging me. Capital one sent me new cards and told me that they would block them at one point then they went back on there word. they attempted to charge my card on the following dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I do not have any of their items. They have said the closed the account due to non-cooperation however they did said we had to do anything. They have no proof they we ever received an item from them. I even have the card locked and the still allow them to try and pull money.
Product: Credit reporting or other personal consumer reports

I am following up on disputes initially filed on XX/XX/XXXX ( CFPB complaint # XXXX ), and XX/XX/XXXX ( CFPB complaint # XXXX ), regarding inaccurate accounts on my credit report. These accounts, including DepEdXXXX  and U.S. Department of Education accounts, remain unresolved despite prior investigations. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ), you are obligated to ensure the maximum possible accuracy of reported information and to delete unverifiable or inaccurate data promptly. Your failure to act demonstrates noncompliance, violating my federally protected rights, as emphasized in XXXX XXXX XXXX XXXX XXXX XXXX 

attached : credit reports letter to Experian
Product: Debt collection

This debt is more than XXXX XXXX XXXX, and this collection company used to be called XXXX debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of waypoint resource group XX/XX/XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix
Product: Credit reporting or other personal consumer reports

im a victim of fraud and unknown person keep using my imformation and i keep getting alot of fraudulent inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( XXXX ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any XXXX. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.
Product: Debt collection

Williams And Fudge Inc at XXXX XXXX XXXX, XXXX XXXX, SC XXXX has contacted me in regards to a collection Im the amount of {$1300.00}. The collection has been reported past due balance. I dont know this company. I have never done business with this company. I have no knowledge of this company or how it has a past due balance. This company does not have a contact with my signature.