23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer XXXX that showed the rate lock being extended to XX/XX/XXXX. I agreed to continue to pay the rate lock until closing. The loan officer was even unaware of there being a request for updated documents. She emailed me asking me if they had contacted me and I told her no. The letter that was allegedly uploaded to my online profile by XXXX. This document may have been created but was not sent to me. I hope BBT has records on the back-end as I am currently trying to seek legal council to file suit against BBT. They charged me for a credit report fee and appraisal and then cancel my loan. I got my title cleared on XX/XX/XXXX. The issue is they dragged there feet initially when I applied for the loan. I applied for a refinance XX/XX/XXXX and entered into a 60 day rate lock. I got an appraisal done on XX/XX/XXXX and the Title company did not even notify me that there was an issue with the title until XX/XX/XXXX. I did dispute the original value of the appraisal on XX/XX/XXXX and sent the rebuttal. I reached out to the appraiser and he did not receive the rebuttal until XX/XX/XXXX and when he requested additional information they never responded to his request. I have all of this documentation and emails. XXXX advised me that this dispute was reviewed by the loan officer and Loan officer manager for errors. I did not know that loan officers were appraisers. I thought appraisers were regulated by DPOR. This process has been a nightmare. Their error will cost me over 10k in additional finance charged because they canceled my app with a rate lock of 2.875 fixed for 15 years. Then they provide false information to a government agency ( CFPB ). They did not request updated documentation from me or it would have been updated. Looks like there was a communication issue between the loan processor XXXX and the Loan officer XXXX as XXXX was not even made aware that my loan was canceled.
Product: Debt collection

Please review my credit report. I noticed the creditors are not cooperating with the request I need to remove these unauthorized inquires and accounts from my credit.
Product: Credit card or prepaid card

I applied for a business credit card account for : XXXX XXXX XXXX. 
I was denied indicating a number of accounts are in delinquency ( NO TRUE ). No accounts are in delinquency. ( PLEASE see document submitted ). 
The account I applied for is NOT a personal account, which I already have. I applied for a business account for a new start up business, under the sponsorship of the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and Experian an FTC Identity Theft Report via XXXX Certified Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX on XX/XX/2022, which they received on XX/XX/2022 and XX/XX/2022 respectively. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( Per 15 U.S. Code 1681c-2 ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called XXXX and Experian today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and both companies claimed they were not obligated to remove the fraudulent items from my account, even though XXXX had already removed the fraudulent accounts from my credit file. For this reason, the items still remain on my XXXX and Experian credit report and are still causing me and my reputation personal harm and discrimination.
Product: Credit reporting

I 've submitted my request for my free annual credit report online, but I was denied it by the  XXXX  agencies. So I 've gotten in contact with them and I have submitted the paperwork they 've asked for and I 've received my free report from  XXXX  and  XXXX . But for some reason I have n't gotten it from TransUnion. I have filled out the form they 've given me at least  two t o three times when they kept requesting for more documentation. The last form I submitted to them, I 've given them the paperwork exactly as they informed me to do. It 's been almost a month now and no credit report yet from TransUion. I would appreciate it if someone could contact them to see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both TransUnion and XXXX  and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint against this credit bureau stating that they had re- aged a XXXX XXXX XXXX account that was appearing on my credit report. I showed evidence that a re- aging was done and I do have the voice recording of the agent of the agent who confirmed that the account was re- aged. The agent stated that the account was re- aged and that the XXXX XXXX XXXX account would not fall off my credit report until XXXX 2028. 
I check my credit profile online and they have changed back the age of the account to 7 years, 8 months and 13 days. The mere fact that the account was re-aged is a violation. Not because the credit bureau has changed back the age of the account does not mean that there are no penalties to be faced. The fair credit reporting act states that re- aging any account is a serious offence. Delete XXXX XXXX XXXXXXXX from my credit report immediately or face legal action. I wont take legal action or file for damages if the account is deleted from my credit report. I can assure you that it will be cheaper to delete it from my credit report other than having to send lawyers to appear in a Florida court. Re- aging of the XXXX  XXXX XXXX account was done. It doesn't matter the account has now been updated. 
Kindly see files attached showing that the account was re-aged and that now the age of the account has been updated. This information was gathered from the credit bureau 's website. Kindly look at the dates on the top of the documents submitted which clearly shows that the account was re- aged but was recently updated. You broke the law. 
You broke the law. Delete XXXX XXXX XXXXXXXX immediately or face legal action for damages.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry that has recently appeared on my XXXX credit report. Upon reviewing my credit report, I noticed an inquiry from Bank of America XX/XX/2023. I did not authorize this inquiry, and I am concerned about the potential impact it may have on my credit score. 

I have not applied for any new credit or made any inquiries with Bank of America ] during the time period in question. Therefore, I believe this hard inquiry was made without my permission. I have also taken steps to ensure the security of my personal information and have not shared my details with any unauthorized parties. 

I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report, as it is negatively impacting my credit score and may be indicative of fraudulent activity. 


I also request that you provide me with a written explanation of the outcome of your investigation and the actions taken to rectify this issue. 

I am confident that with your assistance, we can resolve this matter promptly and restore the integrity of my credit report. Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My loan started with XXXX XXXX and Navient became my servicer and failed to contact me to notify of the change. I was in default I was asked to pay 9 months straight to clear my credit when I called to have this consolidated via XXXX. I paid the 9 months on time and then they told me the loan was transferred to someone else and they could n't fix my negative standing with the bureau. It 's been difficult for have any reliable and useful help from them.
Product: Student loan

I was notifie d two years later of   missed payments on my Dept. of ED loan, for which I applied for and received forbearance. Navient inadvertently applied the forbearance to my Federal loan, and are trying to m ake me pay for their mistake. Their error increased my payment and extended the life of my loan. I 'm absolutely certain their efforts are fraudulent. The customer Service advocate 's initially response was : inconsistent payment times caused the loan to accrue interest. That 's what late feers are for, but no fees were assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # 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 with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ant 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: Mortgage

We bought a modular home and had to take out a loan that would start as an interest only construction loan and then be converted to a conventional mortgage. When the building was finally complete, I was sent a document to sign to have the remainder of the balance on the home paid to the manufacturer. However, the amount was not correct, it was more than it should have been. The loan officer argued with me, gave me false numbers as to the price of the home. Also, we did not use all of the money in construction portion of the loan and the loan officer wanted me to sign it all over to the home manufacturer. He gave me a hard time when I asked to see what money had been paid out and to whom it was paid, though he begrudgingly sent it. I looked over my purchase agreement with the manufacturer and my loan agreement and ran the numbers. They did not match what he was telling me. I had to send a copy of my math before he would reevaluate the situation. In the end, the loan officer did end up fixing the situation. But I feel like he was trying to take advantage of me. He didn't even have the correct amounts of how much the home cost. This all took place over a few days of emails ( I have all of the emails ). I was told by XXXX, the loan officer, via email XX/XX/2023, that I owed the home manufacturer {$45000.00}, that the cost of the home was {$110000.00} and that {$69000.00} was paid to them already. This, however, was not true. I don't know where he got those numbers. The grand total for the just the home itself ( what was owed to the manufacturer ) was {$110000.00}, I made a down payment directly to the manufacturer of {$10000.00}, only {$100000.00} was financed through the loan company. After a lot of back and forth and him finally looking into it, it was discovered that the manufacturer was only owed {$34000.00} the remaining {$9000.00} was what was leftover in the construction portion of the loan. The {$9000.00} was mine and according to XXXX would be taken off the principal of the of mortgage. Once that was finally dealt with, I was told I had to sign paperwork to change the loan over to a traditional mortgage, the money had not yet been taken off the principal. I was told it had be switched over first. I signed it. Then I had to argue with a new loan officer, who was now in charge of the mortgage, and speak with a manager ( this was all done via email, of which I have copies ). It was in the end finally taken off the principal and everything was righted. I just feel like they were trying to take advantage of me and scam me out of money. If I hadn't stood up for myself and asked questions I would have been out {$9000.00}. It was far too much arguing and back and forth for it just to have been a simple mistake. It should have been one email from me saying this isn't correct. Not several emails of questions and me having to do the math myself to prove it was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX  doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and equifax showing 3 false credit reports. All the inquiries span of the dates of XXXX XXXX XX/XX/10 all these have more then one application for a credit card opened.
Product: Credit card or prepaid card

I have a loan with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXX PST my account with Simple came to an end as they were closed down by BBVA. Customers were told to setup their online account on Saturday to be able to use online and mobile banking. I was initially concerned that for a financial institution, I was restricted to a relatively insecure password ( that could not exceed 20 characters ) and BBVA seemed to be sending my social security number to their servers via clear text, and my SSN became saved in my browser after entering it into their website. After attempting to setup this account, I was told by the system that I needed to call them. I called and got a representative in a call center in another country, which bothered me since I had to give them my social security number and they are not located in the US and therefore could steal my identity without US laws protecting me. After being on hold for over an hour, I was told by the representative that I needed to wait a few hours and try again. I inquired as to whether my account would have 2-factor authentication since the password requirements were so insecure, and I was transferred to another agent who hung up on me. 

I tried again with setting up my account online several hours later, but again was told I needed to call them, which I did and was on hold for another hour or so before being disconnected. At this point every time I called I was disconnected so I waited until the following day when I tried again with the same results. This was also my experience when I tried on Monday and Tuesday at various times throughout the day. Overall I spent upwards of 10 hours trying to reach someone so on Tuesday I called again and asked to have my account closed. I was told I was not able to close my accounts because I still had funds in my account, and I was not able to have my funds sent to me in a check, so I would need to visit a branch ( there is not one located in my state ). Out of desperation I bought XXXX credits for the amount that my balance was to bring my balance to {$0.00} and I called again, and I was told I needed to get my account setup and then I could close it, but that I should wait until Friday ( a whole week after this all started ). 

This problem seemed to impact a great number of former Simple customers, but BBVA did not bother communicating via email with us, although they did post some tweets where nobody took any responsibility for the problems they were having. There was no notice on the website or on the phone recordings about the situation, only a message blaming longer than normal hold times on PPP loans. 

These actions by BBVA show that the upper management of BBVA can not be trusted with the accounts of former Simple members, a message that was clear not only from my experience but from the stories of hundreds of frustrated customers shared on XXXX, and even a statement from the co-founder of Simple stating, " I assumed that everybody just closed their accounts, but sadly, it looks like many people gave BBVA the benefit of the doubt. ''
Product: Debt collection

I am not liable for this debt with National Credit Systems.They did not provide me with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX investigated the matter and removed the item. Transunion states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. 
I then called Transunion again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 in lived in NJ ( 2800 miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this is the year in which XXXX  had a data breach. I also attached a report of 21 people found in one search name XXXX XXXX here in the US. I also offered the confirmation from XXXX who also investigated and found this to be incorrect and removed the item immediately. 
The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX  XXXX  acct # XXXX ( XXXX  XXXX XXXX XXXX # XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A states, I have the rights to privacy.

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are fraudulent on my accounts : XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX