23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a home under a VA loan with fifth third bank in XX/XX/XXXX.In XX/XX/XXXX i got married and in XX/XX/XXXX we refinanced the loan with fifth third bank with the sole purpose of adding my wife 's name to the mortgage, this is a fact that was repeated through out the process so there was not any chance of a misunderstanding.On all of the paper work we have from the refinancing my wife and myself and consistently documented as co-borrowers and co-owners as well as requiring both of our signatures. The bank ran both of our credit scores to achieve the loan and my wife 's was higher so they used it to complete the loan.When we discovered her name was left off in the end we contacted the mortgage department at fifth third and they said unless they ran my wife 's credit score that's the only way they can add her to loan and we have that document but they are denying any knowledge of this. When we went to the bank with all of our documents showing both of us were on the refinancing papers as well as credit score ran and in addition a document stating that a notary public was there to verify that we were both in the room to refinance, they simply looked at the documents and said the only way they would correct their mistake was if we refinanced again at a higher rate. We feel like they are at fault and we are demanding that they add her name as originally agreed. We are getting no cooperation from them at this point.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent Equifax a request for method of verification ( see attached letter ) Equifax responded on XX/XX/XXXX stating that the information in dispute was verified as accurate, via XXXX, HOWEVER I PROVIDED PROOF THAT XXXX HAS DELETED THE ACCOUNT FROM THEIR CREDIT FILE AS INACCURATE REPORTING. ( See attached letter from XXXX ) Equifax continues to NIOLATE THE FCRA 15 US CODE 1681i ( 7 ). I HAVE ATTACHED THEIR VIOLATIONS AND DEMAND THESE BE REMOVED IMMEDIATELY AS PER : 15 U.S. Code 1681i - Procedure in case of disputed accuracy information. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for the listed account to be blocked and deleted. Please delete the following : 1. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX, XXXX I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, why is there no option for complaining about the actual credit reporting agencies themselves? THEY ARE THE PROBLEM!!!!! 

The idea that they use some consistent scoring system is absolute nonsense. There is zero consistency. One agency has a score over 50 points lower than the other, even though they're dealing with the exact same information. Unacceptable. XXXX XXXX? It's a joke, or, maybe the people utilizing it don't understand it enough. If this were a math class, they would fail ... 

I want to see the ability for consumers to file disputes with the actual ranking system itself, and the results, for each of the reporting agencies, and further, these disputes should also be part of the report. At this time, there is literally no means at all, for any of them, to file a simple dispute as to the determination, and that's absurd. There should be, and they should be required to respond to these disputes immediately ; not in two weeks, or a month, or whenever they feel like it. Immediately. They made the determination, and they should be able to answer for it on the spot, like any other responsibility. 

I'll say this again : if they can't perform their function consistently and evenly, they are a detriment, and we do not need them. Do your job, and get them in line, or shut them down.
Product: Mortgage

to whom this may Concern : On XX/XX/XXXX I spent XXXX hours and 34 minutes on the phone with Lakeview Loan Servicing sub servicer is Loan care, the reason for my call to them was two fold first we are currently in the first leg of the 2 sequential 90 day forbearance extension however on XX/XX/XXXX we were fully approved and enrolled in the second leg extending until XX/XX/XXXX, then after this approval they are still sending email Notices that our forbearance plan is expiring on XX/XX/XXXX this notice came in to my email on XX/XX/XXXX 6 days after our new extension approval came in stating we are fully approved for the extended forbearance until XX/XX/XXXX, this is categorically stressful as it inherently creates unnecessary confusion as to our fha mortgage status, this needs to be resolved,. 
then our second and more egregious issue is that as of XX/XX/XXXX they are claiming that they " changed their web site and payment systems and now are forbidding any Covid 19 Fha forbearance borrowers from accessing the payment portal within their https : //www.myloancare.com/pub/index.html # /Login, they have categorically failed to furnish and material legal or substantive reasoning for this unconscionable decision preventing us from making a repayment under the plan under which by their very own actual written verbiage on their website where they state as follows : " while you are not required to make payments during the forbearance plan, any amount that you can pay while your loan is in forbearance will help reduce the amount you owe after your forbearance plan expires then at the very bottom of this exact approval notice it then details how we can go online into our mortgage account and make the forbearance plan repayments within our account, however as I have stated Loan care is forbidding all covid 19 forbearance borrowers from making online payments within their respective mortgage accounts in loancares ' website this is simply abhorrent, morally defective, and unconscionable and must be stopped and the CFPB go in and enforce loan care to begin to allow fha covid 19 borrowers to make partial repayment plan payments again online [ PLEASE NOTE THAT SINCE XX/XX/XXXX WE HAVE BEEN MAKING PARTIAL PAYMENTS ALL THE WHILE BEING IN FORBEARANCE ] please find attachments showing the contradicting notices showing 2nd forbearance extension granted on XX/XX/XXXX then contradicting notice on XX/XX/XXXX stating that our forbearance is expiring XX/XX/XXXX My personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX New jersey XXXX mortgaged premises loan care mortgage account # XXXX
Product: Checking or savings account

I have had checks which I deposited mobile held for over a week. I have had excessive atm fees, overdraft fees on un paid debits. I have been a customer of Wells Fargo since 2014. Three times I had my phone, water, or power cut off due to checks being held too long.
Product: Credit reporting or other personal consumer reports

I sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted XXXX directly to go over my results and they assured me they will put in a dispute for investigation. XXXX days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained XXXX not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in XXXX days when the normal dispute process is 30 days. It was NEVER provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK, XXXX XXXX Nelnet XXXX XXXX XXXX NE XXXX XXXX XX/XX/XXXX Regarding a Reported Delinquency To Whom It May Concern, My name is XXXX XXXX XXXX and my account number is XXXX. Thank you for this opportunity. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late with a payment. I had a XXXX XXXX XXXX, and my wife was seriously sick till now, but she getting better. 

Am the only one still working and providing for my family, wife, and kids. 
I have made all the late payment and my account now is in good standards, but the credit report still showing the late payment, and they are refusing to take it off, that is hurting my credit so bad, I when from XXXX now to XXXX. 

Am in the process of buying a home, found a home sign contract, now my credit is hurting me, the late payment that was reporting XX/XX/XXXX. 

I had been carrying a sizable balance for several months when I finally paid off the full balance of the late payment XX/XX/XXXX of this year. When I received my statements in XX/XX/XXXX and XX/XX/XXXX, I simply discarded them without even opening them because I assumed they would show a XXXX   balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 

I realize in retrospect that I should have anticipated that finance charge, and I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from anyone. 

my records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with the past two monthly payments since getting caught up. 

Thank you very much for your consideration, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian. In XXXX for some reason my score dropped 62 points. I started with this credit repair on good faith. My payments have never been late. Even though I have been using my cards it shouldn't drop that much since I'm making scheduled payments on time. For the last 2 years this site lets me sniff good credit. Then bam knocked all the way back to barley fair credit. This needs to be resolved. I'm actually working with an agency that provides information on how these kind of companies will cheat customers from obtaining good to excellent credit.
Product: Money transfer, virtual currency, or money service

WHEN CHECKING ON A NEW ISSUE [ XXXX XXXX XXXX XXXX ] TRANSFERS I CAME ACROSS ANOTHER FROM XX/XX/XXXX [ SUNTRUST ] ... THEY STATED THAT THEY HAD INDEED CLOSED MY ACCOUNTS AND REFUNDED MY FUNDS .... SADLY [ ..AS I JUST DISCOVERED TODAY XX/XX/XXXX ]. i HAVE NEVER RECEIVED THOSE FUNDS FROM SUNTRUST ... WHAT HAPPENED TO THEM! I NEVER RECEIVED NOTIFICATION FROM THEM VIA E/M OR USP MAIL THAT THEY WERE REFUNDING MY FUNDS THEY STILL HAD. WHAT HAPPENED TO THOSE FUNDS. ... IS IT TOO LATE [ TIME LIMITATIONS ] TO EVEN REQUEST INFORMATION OR CONFIRMATION ... I ( XXXX XXXX NOR MY DAUGHTER XXXX. XXXX ] HAVE EVER RECEIVED THOSE FUNDS. SHOULD SUNTRUST SHOW PROOF ... CHECKS WERE NEVER RECEIVED NOR CASHED! XXXX XXXX
Product: Mortgage

I closed on a refinance on XXXX XXXX The amount of new loan is signed off as {$160000.00} Total closing cost was {$3400.00} Closing cost paid before closing {$10.00} Total payoffs and payments = {$130000.00} Credit card # 1. {$6100.00} Credit card # 2.  {$22000.00} Credit card # 3. {$6100.00} Credit card # 4. {$5500.00} LoanDepot mtg {$99000.00} Total payoff/payments = {$130000.00} Cash to close is signed off as {$21000.00} I only received by wire first {$670000.00} and about a week later {$14000.00} which totals = {$21000.00} I am missing {$430.00} as it is signed off. 
I was sending numerous emails stating the money was short {$430.00} I was then told they paid my property taxes which are as mailed to me {$1000.00} if mailed by XXXX XXXX. Then Loan Depot told me they increased my property tax payment by 10 % as they can do that they stated? 
Why is that? And what does that have to do with money missing on signed off loan? As my Mortage company Loan Depot is also my escrow agent, can they do that? And what about the extra principal $ $ $ I have been paying on old loan?
Product: Checking or savings account

I dont recall the dates. I was requesting a refund due to fraudulent activity and all of a sudden my account was closed.
Product: Money transfer, virtual currency, or money service

I did with several wire transfers through Bank of America. I was not warned of potential scams. This money inadvertently got sent to a bank and ended up in to scammers possession
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Product: Checking or savings account

Several unauthorized charges totaling in {$790.00} in a span of 5 months to XXXX XXXX. I filed a claim with Bank of America that was later denied because the charges were low amounts that span through 5 months. I don't have video games or any children. 

photos of transactions attached
Product: Vehicle loan or lease

I Had A Used Car loan from a Predatory lender outside of XXXX XXXX California in 2001 and Refinanced it with Navy Federal. Right After i Bought the Car I was XXXX Back To Back To Back and The Patriot Act wasnt Created Yet. So Being XXXX I Naturally fell behind in Payments and My Car Was Repossessed. I Explained the Situation to Navy Federal and They Completely Shut me Down. I am XXXX XXXX XXXX XXXX XXXX with a Family. Who Served HONORABLY And Because of my IMMEDIATE Unexpected XXXX XXXX XXXX  fell Behind.
Product: Credit reporting or other personal consumer reports

RE Account Numbers- XXXX XXXX  XXXX XXXX, T

his letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Checking or savings account

I had a Navy Federal Checking and Savings Account for years. I was enrolled in the OOPS protection program. Anytime I overdrafted I always was charged fees while enrolled. They eventually closed my checking account because of it and now I only have a savings account with them. I am not able to provide documents supporting my claim due to them closing out the account and I no longer have access to the checking account. I only have access to the savings which I dont use because of how they operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX