23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint Details : I am filing a complaint regarding misleading information provided by Newrez during the processing of my mortgage loan. Throughout the application process, Newrez representatives, specifically XXXX XXXX, assured me multiple times that closing costs would be rolled into my loan amount. However, I have since been presented with inconsistent closing costs, with amounts differing from those quoted during our conversations. 

On at least XXXX recorded phone calls, XXXX XXXX, a representative of Newrez, stated that my closing costs would be included in the loan. Additionally, on XX/XX/year>, I received an email from XXXX XXXX confirming that I would " not have to bring any cash to close, '' reiterating that Newrez would cover these costs as part of the loan. Despite these assurances, I have now been presented with closing terms that contradict these previous communications. 

I have attempted to address this with XXXX management team, requesting they honor the original terms presented to me. However, my concerns have not been adequately addressed, leading me to believe there XXXX be systemic issues affecting other consumers as well. 

Desired Resolution : I request that Newrez adhere to the original agreement by rolling the closing costs into the loan as initially promised. If this is not possible, I would appreciate assistance from the CFPB to ensure this matter is resolved transparently and fairly. 

Supporting Email from XXXX XXXX : From : XXXX XXXX [ XXXX XXXX ] Sent : Thursday, XX/XX/year>, XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ XXXX ] XXXX : XXXX - XXXX, XXXX XXXX!! 

Hello, I am not in the office today, but I will have my XXXX update the file asap. 
You will not have to bring any cash to close. I will make sure we are on the same page as the processor as well. 

If you want immediate assistance, below you will find his contact information. Otherwise, I will be in first thing tomorrow. 

XXXX XXXX XXXX XXXX XXXX # XXXX This email from XXXX XXXX underscores the information I received, confirming no cash would be needed at closing, and illustrates the inconsistencies I have encountered.
Product: Checking or savings account

Around the XX/XX/XXXX I received a call from my credit card company about possible fruad after speaking with them I called Wells Fargo because I noticed charges on my account that were not authorized by me. I filed a dispute with them. While on the phone the agent I spoke with noticed other charges and so two different disputes were files for a total of 84 charges totally nearly {$3000.00}. Wells Fargo at first awarded me a claim of {$470.00}. and then closed the case I filed a claim with the CFPB about this and Wells Fargo called me and awarded me additional {$36.00}. or so ... However, tonight Wells Fargo reserved their decision and took back the award of {$470.00}. thus bring my account into the negative of {$470.00}. 
I called Wells Fargo to find out why they did this and was told that they could not find a pattern of fraud and thus reversed the decision to award any of the funds back to me and if I had an issue with this to go to my local police department. 

So I called the local police department about this issue and was told yes I could file a complaint with them about fraud but in truth they did not have the resources to contact some 80 businesses in three states to see if they could get any information much less actually catch anyone because of the issues. 

I feel that Wells Fargo is just trying to pass the buck and really not trying to see the fraud or to solve the issue.
Product: Credit reporting, credit repair services, 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, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

I have sent in two prior written request for a validation of debt request for and the company failed to investigate and provide documentation I requested. 

Experian wrongfully put a debt on my credit report that is not mine and due to identity theft. These accounts are not mine. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered? 
Please consider this information petition a " Qualified Written Request ''. 
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied? 
2. Please send me a complete escrow statement for XXXX. 
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

this company continues to report a closed account, they are report incorrect information and also amounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I disputed a public record entry : Court Name : XXXX XXXX XXXXXXXX Reference Number : XXXX In my dispute letter, I specifically requested the following information : How TransUnion verified the accounts and public record disputed on my credit report. The date when TransUnion contacted the creditor and furnisher. Contact information of the creditor and the furnisher. The name of the person who verified the accounts and public record in question. The method of verification used to verify the account and the public record. Whether the creditors and furnishers provided my Social Security Number, Date of Birth, and address to the creditor/furnisher. 
To support my dispute and verify my identity, I included copies of my ID, proof of address, and Social Security card. Despite providing this information, TransUnion has refused to conduct the requested investigation. 
I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

TransUnion has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to investigate my dispute thoroughly. The refusal to provide the requested verification details and to conduct a proper investigation of the disputed items on my credit report has caused significant distress and inconvenience. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act ( FCRA ). This failure to investigate thoroughly and provide the requested verification details constitutes a significant breach of my consumer rights. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I got a new phone, when I tried to log in on Venmo from that phone, it gave me a login error that I assumed was a security measure from being logged in on multiple devices. I contacted support on Friday, XX/XX/XXXX asking for help to get my account logged in, and I heard back on XXXX XXXX XXXX  : While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I reached out for further clarification on how to get the {$200.00} dollars in my account out and they responded reiterating the above message, saying they would not explain why my account was being deactivated, that I was to wait 180 days should the funds become available. They added that I had originally been banned in XXXX, an instance I do not remember and clearly it did not stick because I have been using Venmo since then. Finally, at the end of the second email I was told : Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

When I reached out to their live chat on XX/XX/XXXX, they copy and pasted the emails I had received into the chat, and told me once again my only action was to wait 180 days to maybe get my funds. That live agent then disconnected with me suddenly after I asked about the ban in XXXX that didnt stick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency XXXX XXXX equifax I tryed a numbers of time to sent in information on accounts that has been paid off and for them to updated them. But it seems like they are not updating them on time. One credit BREAU saying this and another one is saying differently. they are very slow correction information I submitted. 
And dropping my scores XXXX XXXX XXXX XXXX  and go up only XXXX XXXX  XXXX XXXX but when It comes to dropping they drop bad. I have been trying to purchase a house for a year since the COVIDXXXX and as you can see CREDIT BREAUS, seems to have the final say so on all loans. So sir could you look into into this for me thank you so much.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting on XX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Checking or savings account

On [ XX/XX/year> ], I discovered that my personal information had been compromised, resulting in the unauthorized opening of these accounts. I did not authorize the opening of these accounts, and I am not responsible for any transactions or debts incurred.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and realized that there were a number of inaccuracies in it. I noticed that I had several misspelled names, previous addresses that do not correspond to my current address and that has caused me problems in obtaining and building credit. The bureau that is presenting this is XXXX. Attached is more information These are the misspelled names that this bureau presents in the report XXXX XXXX XXXX XXXX XXXX XXXX And these are the addresses that do not correspond to where I live at the moment XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/XXXX my chime account was hacked. I got a notification saying my phone number was changed. Then got another notification saying that my email was changed too. I called chime and was told that my account is going to be locked cause I notified them about my account being hacked. So I figured that my account being locked no one take use it for anything. Later that evening/ night I get another notification saying that {$260.00} from my checking account was moved to my credit builder account. A few minutes after that it said you have {$0.00} in your credit building account. Called chime again around XXXX to let them know that money was taken out of my account and was used on a site called XXXX  .... and it wasn't me. Was told to call in the morning to see how the investigation was going. On the XX/XX/XXXX I called and was told that it's under investigation. And if I had any proof that I was hacked. I sent them screenshots of the notifications saying phone number was changed and email was changed. Also when the email was changed it gave me a location in XXXX XXXX XXXX  ) I live in XXXX. Sent photos of my driver 's license and photo of me holding my driver 's license. I sent them my XXXX  location for that date as well. I've been doing this back and forth with chime cause they keep denying my rebuttals cause Ive have done like XXXX of them. They keep saying they have no proof the stuff I sent in is no good. Meanwhile I sent my XXXX location for that day which is XX/XX/XXXX I sent notifications I got saying email was changed phone number was changed I also have emails of me going back and forth with that email that was on my account and I was blackmail sent them the screenshot of that and still chime is saying I don't have enough evidence so they keep denying it I'm going to send you guys all the screenshots I have and the emails going back and forth mind you the person used my same name but with a different email address so I guess chime can't figure it out. 
Here my info incase you need it Account Ending in : XXXX Claim ID : XXXX Date Error Reported : XX/XX/XXXX Claim Total : {$260.00}
Product: Credit reporting or other personal consumer reports

The courts and the source of data XXXX XXXX have verified that the bankruptcy XX/XX/2022 reported on my credit file is not mine and is inaccurate. Yet the credit bureau continues to report as accurate causing me grave financial harm. If this isn't immediately fixed I will have no other choice but to file a suit in federal court.
Product: Credit reporting or other personal consumer reports

This account is not mine, and I did not authorize its use. Please remove this erroneous account from my records.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had and judgment dismissal in court by a judge for and eviction. It should not be reporting on my credit report via, the XXXX XXXX XXXX. It is hindering me from getting a place to stay for me and my daughter weve been homeless for over a year now to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached in my identity theft report and below are all fraudulent inquiries reporting on equifax Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Collection company LVNV FundingXXXX XXXX XXXX This company continues to fall as collection in my credit report claiming charges for utilities servicing unknown addresses under my credentials I have no knowledge of these company I do not have any utilies under my name I have texas addresses falling on my credit report, I have never been lived or know anyone in Texas, but they continue to claim these accounts are mine, at at this time I have a fraud alert, FTC Reports OIG reports and a police report just because of this company, customer service very rude they do ask for my personal info stating it is to identify me but I refuse to give up any more of my personal info, this is scary time consuming and is causing me alot of health issues due to stress. I have had my idenity stolen, I have been involved in a breach This is not my accounts.
Product: Debt collection

I need this Settled account removed off all 3 credit reports. this account has caused me alot of problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Get rid of all hard inquiries associated with my account asap!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize the aforementioned accounts reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

Navy Federal is charging its clients additional overdraft fees. I'm tired of calling. Navy Federal credit Union don't care about its people. They have been doing this to me since 2017 when I first opened an account with them.
Product: Debt collection

This is a transfer debt, from a former collection agency that I informed and showed proof that this is a fraud account that was open with XXXX. I have no knowledge nor had service with this company. This company keep coming up with debts that are fraud and not trying to resolve it with me.
Product: Mortgage

This is a Continuation of CFPB Case # XXXX-XXXX & Case # XXXX-XXXX. 
The problem has STILL not been taken care of.

The Mortgage Statements are STILL not being sent out.

I called Selene today XX/XX/2018 because I had not received my statement for XXXX. XXXX received my XXXX payment on XX/XX/XXXX. I spoke with XXXX ( very nice ) but did not know why. Transferred to her supervisor XXXX, whom gave me the same song & dance, statements will be going out on the XXXX. REALLY? Which means even if they do send them ( which they never do and is contrary to what their previous explanation letter ( s ) state, means I will get it around the XXXX, put my check in the mail that day-HOW COULD IT POSSIBLY GET THERE BY THE XXXX OF THE MONTH? LIES! 
Per XXXX employee ( XXXX XXXX/RB Executive Resolution Team ) in writing on XX/XX/2018. AND I QUOTE : " Specifically, Mortgage Statements will generate once a month upon receipt of payment. '' LIE! NO statements were sent out in XXXX, XXXX until I contacted CFPB and you sent a letter. I received XXXX, XXXX & XXXX ONLY AFTER the 2nd letter from CFPB. 
AGAIN on XX/XX/XXXX in writing from XXXX employee XXXX XXXX in response to 2nd complaint from CFPB : QUOTE : " We were in the process of making updates to our Mortgage Statements ( since XXXX ) and therefore they were not being generated. " ( How is that my problem and why do they constantly lie about it AND how many other people is this affecting? ) QUOTE '' However, the updates WERE completed and Statements will be mailed once a month upon receipt of a payment '' AGAIN A LIE! They received XX/XX/XXXX payment on XX/XX/XXXX but XXXX. Statement will not be mailed to me until XXXX? This is now the 3rd TIME I have had to file a COMPLAINT for the same exact problem that has been going on since XXXX. They keep saying it has been resolved which is an out and out lie and are still doing NOTHING to get it resolved.
Product: Credit reporting or other personal consumer reports

My credit score with Equifax was XXXX, and as of a few days ago, it was XXXX. This is because XXXX reported me delinquent and late for a closed account that is over XXXX years old and needs to be deleted and removed from my Equifax credit report ASAP. What is going on is XXXX, like other creditors are changing the dates, etc., to keep these items on my credit report longer than they are supposed to be. This is illegal, and I am not standing for it anymore until this information is removed from credit report once and for all.