23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a personal loan of {$3000.00} with Prosper approximately XX/XX/XXXX. I was sent an email indicating I was approved but needed to provide additional information ( bank statements ). I provided said documents right away. The reviewing agent contacted me on XX/XX/XXXX stating she needed to verify my bank account which she did while on a 3 way call with myself and my bank representative. My bank representative told the Prosper reviewing agent my account had a negative balance and the reviewing agent did not state there was an issue. I then received a " one ring '' phone call less than 10 mins later that went directly to my voicemail box. I then received an email from Prosper indicating they attempted to call me regarding my loan but they were closed by then ( Friday at XXXX ) and would not be reopening until Monday. I called today, Monday, XX/XX/XXXX inquiring about my " loan approval '' and was advised by XXXX that my loan had been cancelled and Prosper account suspended for 60 days because of my negative account balance. I asked to speak with a supervisor considering I wasn't informed a negative account balance would hinder the process at the time of the call. XXXX placed me on hold for over 20 mins and returned to the line stating, she discovered my loan was cancelled due to my credit profile/score. I then asked which reason I was being denied considering I was being told two different things. I again asked to speak with a supervisor. I was again placed on hold for over 10 mins and a supervisor spoke with me and reiterated that my loan had been cancelled because of my negative bank balance. I asked why I was not provided the opportunity to resolve my negative balance before my loan request was cancelled. The supervisor stated that canceling a loan due to a negative acct balance is their policy and didn't offer any other information besides I would receive an adverse letter via email detailing the reason for my denial.
Product: Consumer Loan

I took out a HELOC loan against my primary residence in addition to the mortgage that was already in place. After going through some financial difficulties, I called the lender to have the loan adjusted. Instead of adjusting the loan to reflect the current value of the property, the lender took 6 months and added over $ 6K in fees with no rhyme or reason. After listing the property for sale, I contacted the lender again to request a short sale. The lender buried me with paperwork saying that this was part of the process. After completing the paperwork numerous times, I received no response. Every week I would get a letter asking me to call a number with an assigned acct. rep. Every week the name of the rep would be different. I was able to sell the house, but the lender almost screwed up the deal as they refused to send the appropriate payoff paperwork to the attorney and the title company. In addition to that, they tacked on another $ XXXX for " miscellaneous fees '' to process the paperwork request. After the completion of the sales, I lost more than $ 7K to the lender for simply asking for a short sale and/or a loan modification. Nothing was done. No solution was found, fees were simply added to my payoff and the amount I received was $ XXXX less because the lender would not accept the actual amount due. I 've contacted the lender XXXX times with no resolution and no one able to explain to me what the fees were for, why they were charged or how they were justifying a $ XXXX fee. The lender was JP Morgan Chase NA. After the last call, the lender rep told me that I 've called too many times and they were putting me on the do not respond list. In other words, every time I would call and verify my account, a message would go on saying that they refused to tal kto me and if I had any questions I should send an email to their general mailbox : XXXXXXXXXXXX or something along those lines. Meanwhile, the lender kept sending me letters saying how they wanted to work with me. They also kept sending me offers to refinance my mortgage and HELOC. They even sent an appraiser, unsolicited and unwarranted to inspect my property. When the appraiser showed up, he wanted access to the house. When I refused he told me that he would go back to Chase and start eviction proceedings. When I asked why, he said that if he did not get access, it meant that I was not paying my mortgage. When I explained to him that not a single payment was late in the last 3 years, he said that its not his problem and that this is a standard process. After the closing, when the loan was finally paid off, someone from Chase called me to ask me if I 'd ever do business with them again and that they had great programs for the new property I purchase. He said all I would have to do is fill out a credit app over the phone. When I asked for his name and department, he hung up. When I called their privacy team to add my name to the " do not contact list '' they refused and told me to simply disregard the offers they were sending if I was not interested.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : Prancer Capital Corp Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Prancer Capital Corp Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.
Product: Checking or savings account

I received a letter in the mail stating that I would be getting a back payment on XX/XX/XXXX for XXXX which did post to my account on XX/XX/XXXX but then all the funds were gone soon after someone had my information or account number so I never actually received any of the money it got deposited then disappeared after when I called Direct Express I was told to cancel my card and fill out dispute forms which I did and then sent back to them yet the bank is claiming their not responsible and I would have to call XXXX office I did got the Run around from them then told to call direct express still got nowhere and I never received any response to the fraudulent charges or how the matter would be taken care of.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
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 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Date ] **Experian Dispute Department** XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear Experian Dispute Department , I am writing to formally dispute certain inaccurate, outdated, or unverifiable items listed on my credit report. These items are outlined below, and I request that you investigate and remove them in compliance with the Fair Credit Reporting Act ( FCRA ). 

# # # **Accounts in Violation of FCRA** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ** This account reports delinquencies beginning in XX/XX/year>, yet it is scheduled to remain on my credit report until XX/XX/year>. This exceeds the FCRAs seven-year limit for reporting negative information. 
- **Requested Action : ** Remove this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - **Issue : ** This account contains disputed information that has not been independently verified as required by FCRA Section 611. 
- **Requested Action : ** Remove this item unless full verification and supporting documentation are provided. 

3. **Unauthorized Hard Inquiries** - **Issue : ** My report includes inquiries by XXXX XXXX XXXX XXXX  and other entities that I did not authorize. 
- **Requested Action : ** Remove all unauthorized inquiries unless proof of my consent is provided. 

# # # Supporting Information : I have enclosed a copy of my credit report with the disputed items highlighted, as well as any supporting documents to assist with your investigation. 

# # # Legal Obligations Under the FCRA : Pursuant to the FCRA, you are required to : 1. Investigate and respond to my dispute within 30 days.

2. Remove or correct any inaccurate, outdated, or unverifiable information.

3. Provide written confirmation of your findings and actions taken.

Failure to comply with these requirements may result in legal action for violations of my rights under the FCRA. 

# # # Requested Resolution : I respectfully request that the identified items be removed or corrected and that an updated copy of my credit report reflecting these changes be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

Sincerely, [ XXXX XXXX ] **Attachments : ** - Copy of credit report with disputed items highlighted - Supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing XXXX XXXX XXXX XXXX XXXXXXXX written off. This balance written off is incorrect as a settlement was reached and I paid {$4000.00} as agreed. Therefore, the amount written off should be XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquiry found in my credit report XXXX  XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by a person who offered to rent me a house in PA after my posting on FB, and after I transferred money on XXXX, the person disappeared. They sent me an invoice for my payment, but never provided me with the exact address for the place and ceased all the communications with me. I paid {$1000.00} and have a proof of the payment and that person never provided the location of the property. 
I contacted TD bank to get the money back since they have the transaction recorded, but they did not help. Trace number of the transaction is XXXX from TD bank to the XXXX XXXX. 
If TD bank has XXXX XXXX, there needs to be a consumer protection in place. I only did the transaction knowing
Product: Debt collection

This company XXXX XXXX is claiming that I owe them XXXX. I do not recall having a contract with this company, nor did I authorize the to obtain my information from anyone else. I believe this to be a violation of my privacy rights. 15 USC 1692 ( c ) my rights were violated under FDCPA and FCRA. 

From documents that have been sent to me it appears that they received my information from XXXX XXXX XXXX which I did not agree for them to give/sell my information to anyone. It appears that they are trying to collect on behalf of XXXX XXXX. I have asked for the bill of sale which what was sent to me appears to be incomplete. You all have defamed my character and breeched my privacy.
Product: Credit card or prepaid card

I submitted a purchase dispute to my credit card company regarding a purchase of eyeglasses and contacts and they have sided with the provider. After speaking with a billing inquiry specialist on this date, I was told that once the glasses were made with my prescription, the sale is final. I am still to this date without glasses and contacts. The provider admitted that the glasses did not pass inspection and had to be redone XX/XX/XXXX. In XXXX they had to have the glasses remade with different frames, and the glasses still had what looked to be a calculus equation visible in the lenses and the legs of the glasses were completely wobbly. The provider claims the contacts were delivered on XX/XX/XXXX, but would not provide me with a PO number to file a claim. My concern is the credit card company is holding me responsible for a bill and I do not have the product. The billing inquiry specialist stated their policy, which could not be found online in the company 's FAQ 's, in fact it said nothing about conditions of the product in regards to returns. I have made contact with Synchrony on numerous dates which they have conveniently deleted from the portal, but I have confirmation emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After attempting to call them on this date, their CSR put me on hold came back and acted like he could not hear me and held the phone. They have sent letters to further the dispute, and I reply giving them the documentation requested, leave voice messages for who they directed them to go to, and they still have yet to respond.
Product: Mortgage

Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not updating my credit file with all my accounts. I have been in contact with Experian and my credit to fix this issue for over two months. The creditors that are not reporting on my Experian credit file are my Loans from XXXX XXXX XXXX XXXX XXXX and Bank of America. I spoke to BOA at the beginning of XXXX about reporting this issue, and they said they would investigate and see what could be done. It's now XXXX going into XXXX, and nothing has been done. I spoke with XXXX XXXX XXXX XXXX in XXXX and XXXX to investigate the issue, and they informed me that there is no issue on their end as far as reporting. I even sat down with the credit union branch XXXX on XX/XX/2023, while we called Experian on the phone to get this resolved together. The representative, XXXX, took down the information the creditor provided her over the phone and gave us a confirmation number to track the investigation. I called today, XX/XX/2023, to learn that the investigation was closed and nothing had been done. I also sent over paper copies by mail of the dispute and disputed online the updating of my report, and only half of the dispute was addressed, and this was at the end of XXXX. So after numerous conversations with Experian and no resolution as of yet, I'm trying to see what else can be done. Please help! This is hurting me tremendously if creditors only pull my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice some inquiries reporting from XXXX and equifax on XX/XX/2020, that i didn't authorized.I had no knowledge of the companies that pulled my report and i requested the CRAs to give me the name and contact information of all the companies that check my credit without my permission.i has attached copies o the letters below.
Product: Debt collection

Correspondence sent to first collection company : Dear XXXX XXXX ; I am responding to your contact about collecting a debt. You contacted me by phone on XXXX and identified debt as XXXX. I cancelled my service in XXXX of last year, less than one month after starting new plan. All bills were automatically paid up to my termination. I do not have any responsibility for the debt youre trying to collect. I wrote to XXXX and called them. I have copy of email cancellation, and their over billing for first eight months of service. Although they agreed to fix account instead they added more fees. They have billed me in error. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Received nothing from them but continual fraudulent credit agency reporting which I continue to dispute -years later.
Product: Mortgage

I am a senior citizen living and that State of Florida and have been defrauded by Wells Fargo Home Mortgage for {$870000.00} The XXXX XXXX XXXX Judge ordered Wells Fargo to provide me with a more affordable interest rate and lower mortgage payment so I could keep my home. I had suffered a XXXX XXXX that led to XXXX XXXX XXXX and fell behind because I was unable to walk so I couldnt work. Wells Fargo was in contempt of court Because they failed to do what the XXXX ordered and actually raised my payment and my balance. Wells Fargo then aggressively started to foreclose on my home even though the XXXX ordered them to help me. 
Wells Fargo forced me to sell my home for {$720000.00} less then its value by threatening to take my home if I didnt sell it for wholesale. Then when the mortgage was being paid off they raised my loan payoff from {$310000.00} to over {$440000.00}. They have committed serious fraud over and over so I am asking for help from the CFPB to help me recover the {$870000.00} I was defrauded of by Wells Fargo Home Mortgage. The loan number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.