23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wanted to wait to lock the rate on my load but I was " guided '' to lock a rate and told that if rates dropped I could get the lower rate. When rates dropped I started to request a rate adjustment at which point I was told that I could only request it if rates dropped 1/4 point or more and that I could only do this one time and that I would have to do it before acknowleging my ICD ( initial closing disclosure ). I then got the disclosure but did not sign it and again requested the rate be adjusted, at which point I was advised that since they had sent the disclosure, I could not get the rate change. 
First, none of this was disclosed at the start of the process, and second it seems that the process changed as we moved along. 
At the very least they witheld vital information on how the rate change worked and at the worst they moved the rules as needed to keep the original rate. 
There were phone calls and text messages that I can not attach, but I am attaching to this complaint an email thread showing some of the exchanges between us that show slow and inconsistent communication on this matter.
Product: Mortgage

This is Attorney XXXX XXXX. I represent XXXX XXXX, the homeowner. He is in the process of selling the property. I have attempted to obtain a mortgage payoff statement 5 times with no cooperation from PHH Mortgage. 

The borrowers are XXXX XXXX and XXXX XXXX. The property is XXXX XXXX XXXX, XXXX, Massachusetts XXXX. On XX/XX/XXXX I used the automated payoff service to order a written payoff statement. They said I would have the payoff within 3 hours -- no payoff statement arrived. I called again on XX/XX/2019 and did the same. No payoff statement arrived. 

On XX/XX/XXXX, I talked to a customer service representative. He said that PHH Mortgage would expedite the payoff. No payoff statement arrived. 

On XX/XX/2019 I talked to another customer service rep. He told me that we needed to obtain an appraisal of the property -- this was my 4th call but the first time any representative had mentioned the appraisal. On that same day, I faxed an appraisal to PHH Mortgage. 

I called back to PHH on MOnday, XX/XX/2019 to find out where the payoff statement was. PHH then claimed to have NEVER received the appraisal that I had sent them. 

It has now been 2 weeks, I can not sell the property, and I am paying additional expenses to continue to hold the property off the market. PHH seems determined to string this along so that they can collect more interest on this loan. 

PHH 's behavior has been unethical and has caused expense and additional attorney 's fees.
Product: Checking or savings account

In XXXX XXXX I called a First Horizon customer service representative to close my checking/savings account. During the conversation the customer service representative confirmed that my account was closed. However, the account was never closed. 

I started receiving bank statements in XX/XX/XXXX via email. Prior to this I had not received any communication, letters, emails or phone calls from First Horizon bank. I decided to go into a branch in XX/XX/XXXX to find out why I was still receiving bank statements when I closed the account in XXXX XXXX. During this meeting a branch manager told me that the account was charged off because the account had a negative balance applied to it in XX/XX/XXXX. I paid the balance to the bank and was given receipts of payment/the charged off amount. This was the first time I was notified the account was charged off. I was confused as to why I would have any charges associated with the account when I called a customer service agent, per the instructions by the bank, to close the account in XXXX XXXX. First Horizon does not allow you to close your account online. They require you to speak with a CSR to close an account. 

It concerns me that my credit with the banking systems was damaged by First Horizons action to charge off my account instead of not contacting me. I would like First Horizon bank to send me a detailed letter explaining why my account was not closed by the CSR in XXXX XXXX when I called to have it closed.
Product: Debt collection

This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately.

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a perfect credit score of XXXX with multiple other credit reporting agencies, such as XXXX, XXXX, and XXXX, however SageStream , LLC lists my credit score as XXXX. I have never missed a payment, and I have a suitable and responsible amount of 3 credit lines. According to them, I do not A. ) Have enough debt experience, even though I've had auto loans paid off and never missed a payment on ANYTHING in 7 years. 
B. ) Limited history for consumer at this phone XXXX what?? ) XXXX XXXX XXXX few bank cards, even though I have 3. I'm not a credit card freak, I don't need 20 credit cards. Is 3 REALLY too few? 
D. ) Length of time accounts have been established too short, even though I've had these credit lines FOR YEARS I have noticed similar complaints about this from MANY other consumers, and this disparity of 230 points has costed me a recent automobile loan, which I really needed. I am filing a complaint because SageStream , LLC is incorrectly representing my credit history, and is costing me financially when searching for an automobile loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is wrong I should scores already because I don't see nothing on my reports.
Product: Credit card

USAA Investigated and said it was a valid transaction. I still do not have the tickets or access to them. Basically I paid for an item I do not have. I have also contacted XXXX XXXX and their web site says no record of a purchase ; XXXX XXXX : XXXX. On XX/XX/XXXX, I attempted to purchase two tickets for the XXXX XXXX XXXX in XXXX, Ohio, via XXXX website. Once on the XXXX site, conducting the purchase, agreeing to the price of {$420.00} per ticket, a total of {$850.00}, for two tickets, put in my credit card info for his purchase, and the site switched to XXXX XXXX, and the price jumped to {$1800.00}. I tried to cancel the purchase by calling the company directly after noticing the switch. They refused to cancel the purchase and suggested I resell the tickets alone. I explained what happened, and they couldn't care less. I then contacted my credit card provider, USAA Federal Savings Bank. They closed my card due to a fraudulent purchase and reissued a new one. Subsequently, on XX/XX/XXXX, these charges reappeared on my new card, and the credit card company asked that I try to work it out with XXXX XXXX. I communicated with XXXX XXXX via chat on XX/XX/XXXX, asking them to refund the purchase, and they refused, stating I could resell the tickets. Interestingly, when I put the XXXX ID : XXXX and my email on their website, it returned, " The information you entered does not match our records. Please try again. '' I also told the lady on the chat, and she said, oh well, you should get your tickets in XXXX. I have paid them {$1800.00} for XXXX XXXX XXXX  Tickets ( I do not have ) and Parking {$130.00}, for a total claim of {$1900.00}. This company is a scam, a ripoff, and a hazard to hard-working Americans and this great nation. Based on my experience and the XXXX XXXX XXXX that reviewed and filed a similar complaint against this so-called company, they need to be shut down and not allowed to do business. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX, XXXX, VA I contacted who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/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 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 an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ) and an auto loan opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I tried accessing my XXXX loan. When logged in, my account was showing inactive. The start date of this loan was on XX/XX/XXXX. Which has a 36 month draw period. After speaking to customer service, I requested information as to why this loan was closed when it was supposed to be open for the remainder of the draw period. Customer Service stated that since the balance of the loan was paid off it had closed my account. I asked for information or documents stating why and when this had happened and customer service was not able to send any information but requested, I send a letter stating I want my loan reopened again and that would rectify my account. 

I than wrote this letter and sent by certified mail on XX/XX/XXXX. The delivery date on letter received was XX/XX/XXXX at XXXX. Made a phone call to customer service on XX/XX/XXXX and loan was still inactive, customer service stated letter was not received and needed to wait to see if letter arrives. which can take 24-72 hours to process. Made sure to confirm that the letter was sent to the correct mailing address. Which customer service stated was correct. 

Made another attempt on XX/XX/XXXX, to see the status of my account. Customer Service stated once again they have not received my letter and are trying to figure out why it has not been received. Only answer I received was that they are looking into it and would call me back by the end of the day. Never received a phone call... I called back on XX/XX/XXXX, and customer service could not help me once again.
Product: Checking or savings account

Bank of America with no authorization withdrew amounts from my bank account to offset a delinquent credit card, to my understanding this is against federal law specifically regarding credit card debt, furthermore the second draft dwindled my account to {$170.00}, from my understanding it is against federal law to offset an account to less than {$1000.00}. 

On XX/XX/XXXX my account was offset {$140.00} Today on XX/XX/30 my account was offset {$2400.00} I contacted boa about the apparent illegality of these actions, the representative simply stated " if bank of america is doing it, I'm sure it's legal. ''
Product: Checking or savings account

This whole journey started when my mail was stolen and my new credit card from USAA was stolen and attempted to be used. I contacted USAA about it and requested a new card and let them know that I did not make the charges. I then took steps to further secure my account like changing my password. 

Unbeknownst to me, and without contacting me, USAA placed my account in a security freeze and would not allow outgoing payments. In this time, my power bill to XXXX  XXXX was set to autopay. Without prior warning, or explanation afterwards, my payment to XXXX  XXXX was denied by USAA. This caused me to incur at {$30.00} rejected payment fee and potentially a late payment fee. I am unsure if this is counted as a late payment against my credit. 

I have not been told why my scheduled payment was denied by USAA, nor have they offered a remedy.
Product: Credit reporting or other personal consumer reports

I downloaded my Transunion report to discover XXXX incorrect names and XXXX incorrect addresses on my consumer report, for a total of XXXX incorrect items on my XXXX report. I was alerted to the presence of these negative items on my report by XXXX XXXX XXXX XXXX, who denied me the use of my credit as a result of items reported by XXXX. 

As we know according to XXXX XXXX XXXX " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Likewise at 15 USC 6801 it is stated, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Further at 15 USC 6802 we see that consumers are to be notified of certain information being on their reports and are afforded the opportunity to opt out ( an opportunity which I never received ) " Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' Lastly according to 5 USC 552a ( b ) " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... ''
Product: Credit reporting or other personal consumer reports

Information on my report that dont belong to me these accounts do not belong to me some accounts were deleted and appeared back on my report
Product: Credit card

I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released my data through insecure systems. All of my personal information is now stolen.