23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, Please consider this an official letter of complaint regarding my interaction with Guild Mortgage Company. 

On XX/XX/2020 I began my home search. The realtor I was using referred me to XXXX XXXX with Guild Mortgage to begin the financing part of the purchase process. After initially speaking to XXXX I realized I needed to prepare more before beginning the process. Afterwhich I chose to begin the process on XX/XX/2020. I continously kept in contact with Mr. XXXX and followed and provided whatever information was required of me-TIMELY. On XX/XX/2020 I put in an offer on a home and my offer was accepted thus beginning the homebuying process. This also began the contract period with my earnest money with the Seller. My realtor and I contacted Mr. XXXX every other day to ensure I was in compliance with all of required documents to close on the home, The closing date was set as XX/XX/2020. Mr. XXXX confirmed that my file was submitted to the underwriter on XX/XX/2020. Mr. XXXX confirmed all that was missing was my tax transcripts from the IRS which were requested on XX/XX/2020 the same date that Mr. XXXX confirmed that the needed appraisal was ordered. 
On XX/XX/2020 I began receiving correspondence from XXXX XXXX with Mr. XXXX still in copy. At that time expectations where set and outlined. I believed we were on track to close. 
On XX/XX/2020 I sent copies of everything that was requested of me. At no time was it communicated with me that there was a danger of me not closing. As my closing date was approaching, I continously reached out to Mr. XXXX but his responses became vague and calls were not being returned timely. Mr. XXXX communicated to me that I was not his only customer and he was busy. The conversation was troubling and I reached out to my realtor to assist with the communication gaps with Mr. XXXX. 
On XX/XX/2020 my realtor reached out to me to advise that Mr. XXXX was no longer with Guild Mortgage and she felt it was very strange to receive a call from him advising him as such. His call was actually to network and not to inform me. At no time has anyone from Guild to this day ever called to advise me of this situation. 
On XX/XX/2020 my realtor called me in panic as the listing agent called her to tell her that XXXX XXXX had informed them that we would not be closing. At this point Ms. XXXX had not reached out to me via email or by phone. My calls to Ms. XXXX went unanswered. The listing agent then informed my realtor that my earnest money was forfeited and they were no longer interested in continuing the buying process with us as there was an insuitation of inproperity on my part.
Product: Credit reporting or other personal consumer reports

I filed a dispute with all three credit bureaus due to identity theft and mailed them the supporting documents which included in FTC identity theft report, but they all continue to claim that there is no identifiable information on the report, even though they managed to find my account to email me but claim they are unable to find my credit report Sending my Social Security number and all personal information and a letter is something I am not comfortable with doing. I provided all information Needed to identify me other than my Social Security number. They refuse to let me email or fax the documents over as well which would make it a lot easier for everybody involved they constantly give vague responses and say they are unable to identify me, which is not true because they email me and are able to find that information and when I call over the phone, they can see that the dispute is attached to my account. They just do not do their job and remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Debt collection

Portfolio recovery associates are attending to collect an alleged date on a consumer that resides in a state that They do not have the licensing to do so. I being a XXXX resident Reside outside of the jurisdiction of portfolio recovery associates. In an attempt to collect this alleged debt they have chosen to furnish this information onto my consumer report relating to this debt. Even the reporting of this alleged XXXX  has several and accuracies collection account is reporting as past due, which does not make any sense if they have purchased the rights legally to this debt it would have already have been past due at the moment of their purchase, so why would it be reported as past due? This is a closed collection account correct? This alleged debt is a collection how Would a collection account have a XXXX month term as far repayment if the account was purchased after it had already been closed. I am requesting that this information be removed from my consumer report effective immediately as this collection company does not even have the right to attempt to collect a debt from me, I have never conducted any business with this company, including agreeing to an alleged debt collection nor have I ever given them permission to furnish, any information on my behalf This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Bank account or service

I made a wire transfer using my Chase account online. Chase then suspended my account as they thought the transfer was fraud ( it was n't ) I contacted Chase to unsuspend the account, who then asked me what my ex girlfriends DOB is. We dated back in 2009?!?! 

Now Chase wants me to waste {$1500.00} on a plane ticket to unsuspend the account. Ridiculous
Product: Student loan

I started trying to contact University Accounting Services on XX/XX/XXXX with regards to 2 student loans from XXXX XXXX account name : XXXX XXXX XXXX, although my name at present is XXXX XXXX XXXX - XXXX : XXXX ). I became aware that these loans were STILL not paid due to a background investigation that was being done by my new employer, XXXX XXXX. I was advised by the XXXX ( in charge of my background investigation ) that, in order for my clearance to be granted and to continue my employment, I needed to contact UAS to set up a payment plan and make the equivalent of 3 months worth of payments. It needs to be noted that setting up the aforementioned payment plan is made significantly more difficult by the fact that the loans are as old as they are. Initially, UAS didnt seem to have a clue about how to proceed with this. After a couple of weeks, it was determined I needed to file a rehabilitation deferment application before a payment plan could be set up. I was sent the wrong form, contacted UAS again and requested the correct form, but never received it. After multiple calls about the form, it was determined a rehabilitation app had been filed on my behalf, but, yet, no one had bothered to TELL me this, causing me to waste my time trying to figure this out. I have sent multiple emails to a representative by the name of XXXX XXXX, asking for an update and, yet, have received nothing. On yet other calls to UAS Ive been told that I needed to set up the payment plan with my XXXX mater, XXXX, NOT them, which is incorrect. This whole situation is a HUGE mess. Trust me when I say I have provided the " summarized version '' here. At this point, I can do nothing to resolve this until UAS gets their act together
Product: Checking or savings account

Money was taking out of my account from Zelle and I didnt authorize it.
Product: Debt collection

Creditor sued me and served/posted the documentation for the court date at the wrong address. When I contacted them to speak with them about the issue, I was told there was nothing I could do. They have been collecting from me for four years and did not stop after the consent decree was entered
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

my information was stolen in a data breath. I have filed a FTC complaint refrence number XXXX, 15 U.S.C. 1681 states that i have aright to privacy and that has been violated please help me remove every thing from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, my score that I check through XXXX XXXX showed a XXXX point drop despite only positive changes to my report. Then, when I contacted TransUnion by phone, I was told the credit score was based on the information in my report and they could not explain the score change unless I logged into the TransUnion website to view my score there. Then when I attempted to do so I learned that I would have to pay {$29.00} per month to view my score in order for them to potentially explain the decrease. I do not feel comfortable doing this as I just want to understand why my score went down if only positive changes were made to the report. I believe this is unethical since this affects my ability to improve my borrowing ability and my ability to retain housing for my family in the future.
Product: Mortgage

I have an assumable loan and I called the number to talk to the department that handles assumption loans. NO calls or reps contacted me and can not call to speak to anyone but someone who takes numbers for call backs. Taking 7 business days when I was told it would be up to four business days. I have tried to have a supervisor call me and they have been " messaged '' and they do not call back. I have filed a complaint with the XXXX XXXX XXXX and asked the Escalated Calls dept to help. Even that service center takes phone numbers for someone else to call back. Gets assigned in 24 to 48 hours and they often do not call back. But they " resolve '' the case in 5-10 business days. Meanwhile, my house is not selling on the market this whole time. I have an assumable loan and this can help me sell. This is not timely.
Product: Debt collection

Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.
Product: Mortgage

So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

I didnt authorize company view or access credit file.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX  that said I applied for a XXXX XXXX credit card account. I immediately check my credit score and see that they did run a hard inquiry on my credit score ( I NEED THIS REMOVED ). When I called them they could not locate the account. This led to me needing to dispute that inquiry and thus I ended up here.
Product: Credit reporting or other personal consumer reports

NOTICE OF CLAIM TO INTEREST 1ST ATTEMPT XXXX XXXXXXXX XXXX here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX  ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within 5 business days. If no communication is made within 5 business days after receipt of notice then I can assume that the aforesaid instruction have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credi karma constantly sent me pre-approval offers that I did not actually qualify for. My credit was negatively affected by hard pulls for credit cards I really wasnt qualified for. I received many offers and all said I was pre qualified and this was a regular occurrence and I often was denied and my credit score fell because of this. Not only that, they do not use the scoring model most major lenders use. The score Credit Karma claims you have is actually a much lower score when you go to get a financial product and that particular institution pulls your score. Credit Karma is very deceptive!
Product: Student loan

On XX/XX/XXXX I signed onto my XXXX XXXX Account and discovered a new loan past due added. Which stated Navient for XXXX on an original loan amount of XXXX. Some date of XXXX do not remember exactly Transunion dispute can provided. I disputed through Transunion dispute '' this is not my account ''. I was contacted by a person from Navient after 3 disputes sent, they stated ohhh it is actually XXXX. I asked, I do not remember this loan can you send me a copy of the original loan? Yes, but your delinquent have to deal with XXXX sent paperwork from them, made agreement XXXX dollars a month then was transferred to XXXX account. Spoke with them today ok can put in forbearance. Once again asked about original loan information, was told to call XXXX all the information they have is it was due to start for payment on XX/XX/XXXX. I still do not know original loan date. I still do not know why If this loan was due to start in XX/XX/XXXX at the amount of XXXX. I was not contacted or have had no more info on this loan, until I find it reported on my credit report in XX/XX/XXXX at almost triple the amount of original loan. What is worse is it is now XXXX XXXX, XXXX and the amount is XXXX now over triple the amount. All anyone want to provide is well you owe this lets settle this then pass it on. No one wants to explain why this loan comes out of nowhere years later at extraordinary amounts, you are past due. I feel this is very unfair lending practices where you have no chance to catch it while the loan is still at minimal to pay. After multiple calls from both I and My daughter we still have gotten nowhere and just get sent in circles. I can assume if XXXX is correct then it was a loan for my daughter and we owe it but if due in XX/XX/XXXX and original date was before she even started school then we do not. Also under fair practice then something should have been sent prior to be able to pay the loan at a reasonable time before all this interest and late charges .Also, some loans have already been paid off and I do not have records from XXXX to check if this has already been paid my bank has been bought out twice do they keep micro records?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to TransUnion for the following accounts, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : XXXX ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). As well as these following inquiries, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ), and XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ).
Product: Debt collection

In early XX/XX/2018 Aargon agency notified me of a debt with a doctor 's bill that I thought I had already paid. I told the woman on the phone as much. She told me if I had proof that I had paid it I could send it to the email address she had provided. I did exactly that on XX/XX/2018. I have the email saved. I heard nothing more about it and thought the matter was closed. 

In XX/XX/2018 my husband was contacted by Aargon agency and strangely told by the agent that " your wife owes us XXXX XXXX, she might want to pay it. '' So I sent an email to the company through their website asking for some confirmation of my debt. I had received absolutely nothing in the mail from them saying I owed them anything since before the original matter was supposed to be resolved on XX/XX/2018. 

Within a week of that email, my credit report was hit with a delinquency report of {$79.00}. Quite a mysterious number for me. It was not the original doctor bill I had proven that I paid and it was not the " XXXX XXXX '' mentioned to my husband bizarrely and unprofessionally. 

Now they call me and hang up on me when I answer. Today they called me, put me on hold and told me they couldn't give me any information and I should call back when it's convenient for me. They aren't authorized to talk to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 Capital XXXX on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXX, an account opened at XXXX XXXXXXXX XXXX on XXXX XXXX account number ( XXXX ), an account opened at XXXX XXXXXXXX XXXX the account number ( ZGUZM ) on XX/XX/XXXX, a personal credit credit card with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX  XXXX XXXX under account number ( XXXX ), A personal loan at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), and a collections account opened at Securitycred on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.