23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Laon Modification was approved XX/XX/2020 and was given 3 trial period payments. I made all three payments on time and my modification paperwork was filled out and notarized and immediately returned to fairway. I was told that all paperwork was received and that they were just waiting on the underwriter to approve. This was all in XXXX and I was informed that this process will take 30 days. It is now over the 30 days and I have been receiving weekly calls from my single point of contact XXXX. Every call from XXXX has been the same, informing me that there is no update and they are still waiting for the underwriter to approve. Fairway has had all of the approved information for months now and I am concerned that they are holding off the approval and waiting for interest rates to increase so that I will not switch lenders after the modification is approved and final. Please help.
Product: Debt collection

After 2 years of trying to get this fraudulent account removed I still haven't received any results or verification of this fraudulent account from Bank of America. this account is not mine and I have tried to get it removed and bank of America refuses to delete.
Product: Credit card or prepaid card

This account from forever21 was oped as fraud in my name and the company has done nothing, I asked for information im told otherwise. this account has been on my report for a very long time and ive gotten so much hassle to remove when I didn't open the account in the first place. which has hurt my credit very badly. which is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a notice of consumer findings regarding unfair and inaccurate practices. via Bridgecrest Acceptance Corp privacy policy and section 1692e ( 16 ) of the FDCPA. Bridgecrest Acceptance Corp privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.
Product: Credit card

As I was checking my credit report today I'm starting to see some credit cards opened in my name that I don't recall opening. Grant it these accounts were opened back in XXXX. XXXX cards I'm reporting as fraud were opened at Capital One. I've already disputed them through XXXX, I'm wanting to file a complaint as well on why this company didn't validate the person opening the account wasn't me. XXXX card ended in XXXX and the other ended in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the erroneous account is still in my file despite it being erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account immediately Kindly fix the negativity of this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : XXXX, 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 : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the XXXX data breach.
Product: Vehicle loan or lease

Good morning. 

I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. 

I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. 

The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX   XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. 

I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. 

Thank you, XXXX XXXX
Product: Mortgage

We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX a resident XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through Experian. XXXX nor Experian provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Product: Checking or savings account

On XX/XX/2019, I went into Wells Fargo in XXXX, MN to pay for my overdrawn checking account and close the account. While speaking with the Personal Banker, I was told that while the account had not yet been charged off, it was in the process of being charged off and that I couldn't pay the balance to stop the charge-off. I was also told that I couldn't pay the amount due on the charged-off account because it was " in-process. '' So either way, they wouldn't accept my money. I expressed my concern about this to which he replied that his hands were tied ( he was also frustrated along with me, which I felt was genuine ) because Wells Fargo wouldn't stop it from being charged off and wouldn't accept the funds towards the account, even though I had the funds in hand to deposit. 

My complaint is not at all with the Personal Banker ( XXXX XXXX ), who assisted me to the best of his ability. My complaint is regarding Wells Fargo 's unwillingness to stop the charge off that was " in process '' when I came to the Bank to make my account whole and close it. I am now not allowed to open a transaction account in the state of Minnesota for 12 months due to Wells Fargo 's unwillingness to take my funds and stop the charge-off. 

Furthermore, I applied for an apartment and had to have 2 guarantors due to the charge-off being on my credit. 

Lastly, my savings account was a negative {$5.00} due to a fee for falling below the minimum balance. I paid the {$5.00} to bring the account to XXXX and thought the account was to be closed. I just received my statement and it now shows another {$5.00} charge for this, putting me back at a negative balance. 

This experience with Wells Fargo has caused me hardship due to a ) not being able to open an account in MN for 12 months, b ) damaging my credit, and c ) costing me money. 

The account closure should be removed from my credit report and Wells Fargo should contact me to accept my funds to rectify the situation. I will be moving to a community bank that focuses more on caring for their people than harming them.
Product: Credit card or prepaid card

I write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.
Product: Student loan

I 'm currently in debt {$15000.00} from a school who said they were all for my best interest but resulted in a pure scam. I was introduced to this school my XXXX. I went through all the steps of admissions and finally came the part when they took advantage of me financially. I was asked a series of questions about my financial background and my mothers background. When they found out I was poverty stricken they told my mother that since she had bad credit all she had to do was apply, she would get denied and when that happened I would be eligible for more money to further my education with the Art Institute. That 's exactly what happened she was denied and when the school saw how much I was eligible for they kept pushing for me to take out the maximum amount. Before I left my home state I was notified that I had a new financial advisor and that we would have to start the whole process all over again which means they would run my mothers credit again just to get denied and make her credit score horrible again. I started my 9 hour journey to Minnesota to start college and met with a man I never spoke with until that day. He put all these papers in front of me to sign. He told me that they were just the codes and conduct for the school and a few rules that I had to abide by. So I was a naive XXXX year old excited to be starting school in a different state, I just start to sign my life away not knowing what the consequences will be like later down the road. The whole time im being encouraged and rooted on by someone who 's supposed to be in the best interest for me financial wise. The semester progressed and I did n't hear anything from my financial advisor until the last week of the semester when it was time for student to start taking out money for the next semester. He told me I had to take out an additional {$4000.00} to cover the remaining fees and cost that were owed. I felt a little unsure because when I filled out my fafsa it grants me funds for fall, winter and summer semesters. The financial advisor tried to comfort me and just say that there was just a small amount of fees that I had left over and i 'd be all set for the remainder of the year. There I was again thinking that he knew what he was talking about and signed a way. After a year of pressure and constant reminders that it was in my best interest to take out multiple loans I was on the verge of XXXX and I had to move back home due to the constant pressures. Many years later I take a look at my credit report and to my surprise there was a amount of {$15000.00} that I was not aware of listed on my credit report. I 'm seeking any kind of help as well as loan forgiveness because I was not aware of any of amounts of money that I was being charged. The school I attended was The Arts Institute-International Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Credit card or prepaid card

I got an email with the XXXX XXXX logo saying a new credit card will be shipped. soon I got a credit card ( they had my address ) the new credit card looked like XXXX XXXX credit card, and I needed to call a phone number to activate my new card, I called and was asked for my zip code and SS, which sadly I provided and the card never worked. I keep getting emails and mail addressed to my house from XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved into a trailer park and when we got there we needed to work on the trailer due to EXTREME UNLIVABLE conditions. We needed to redo pipes. The toilet, a/c, buy a refrigerator, remove countertops and redo carpet and tile flooring because it was cockroach infested and there was inches of carcasses in the home. We lived there for less than 2 weeks and when we put our 30 days the owner would refuse to help us or respond or call as if he was not a real person, and was afraid to contact us. Also my ex husband was the one who had it under his name. And the trailer manager had asked for my social security info because I lived there, even though I was just living there and was not the one who applied. Also my grandmother lived 2 doors down for a very short period of time due to the same reasons. And the company is charging 3 people who lived there the full rent amount. Also they kept our security deposit of XXXX $ and we paid the first months rent and after a week of living there there were roaches in our food and we killed over 100 a night during dinner time. It was awful and we were forced to flee the place.
Product: Credit reporting or other personal consumer reports

1. My password was exposed in a data leak by Experian. Experian, one of the major consumer credit bureaus in the United States, recently disclosed a data leak. The vulnerability allowed anyone to look up the credit score of tens of millions of Americans by supplying the victims name and mailing address. The issue was discovered by an independent security researcher. Experian has refuted concerns that the issue could be systemic.

2. A fraudster accessed my account and changed the email address, phone number and password on my account. Additionally, the fraudster requested my credit report and applied for some sort of account at XXXX XXXX in my name and was denied. 
3. I tried calling Experian several weeks ago, and their phone system did not work. I was prompted to enter my ssn, zip code, and then it asked if I wanted to freeze my account or unfreeze. Experians voice recognition did not recognize or process a response of No and would just hang up. 
XXXX. Weeks later, keep in mind that a fraudster has control over my Experian account, I finally got through to speak to the fraud department. To my dismay, two representatives in the fraud dept. offered absolutely no assistance at all and said I had to speak to membership. I told the fraud reps that I am not a member, that a fraudster has accessed my free Experian account. The fraud reps didn't even understand the severity of the issue and couldn't care less. I called on a recorded line at approximately XXXX XXXX XXXX XXXX  and spoke to XXXX from a XXXX XXXX location in the XXXX XXXX. To my dismay, XXXX did not and would not offer any help. I would like to request a copy of this call because I literally lost it on the phone, making it extremely clear what my fraud related issue was, and this person told me to contact membership. I asked if she could transfer me, and it appears that they only transfer to the main line where customers have to go through all of the prompts and start from scratch. 
XXXX. I tried to reach membership, as advised by XXXX, keep in mind that my account has been taken over for about a month now, and when you say membership, the call prompt tried to force me to upgrade my membership. Ultimately, there was no way to speak to anyone in membership, as the call is programmed to hang up, but no before saying that the prompter was only allowed to transfer to a live person in limited circumstances. 
My account has been hacked into, my identity stolen, and I am going to sue the company.