23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Within the past 5 years I have applied to National Asset Mortgage to have some kind of repayment plan or loan modification. Each time I supply all documents and never get a response. I have just continued getting late payment notices, late fees, etc. The most recent modification request was in XXXX of XXXX. I still have never received a letter of denial or approval. I have sufficient income to be able to get this out of foreclosure but they said they will not accept any payment until there is some type of agreement. The previous attempts in modification or avoiding foreclosure was a mess. They assigned me to the same representative XXXX XXXX in XXXX of XXXX got no response then applied in XXXX again they said the reason I didn't get a response was because he no longer worked for the company. When I applied again in XXXX found out he was still there, went through the process again and still got no response. Within the past year a lot has changed. I moved to Ohio but my ex husband is still in the house. The loan is just under my name and I do not want to have a foreclosure on my credit as I am a licensed XXXX XXXX. I have exhausted what seems to me everything I can do. They just keep having me send documents but again they just sit on them and provide no correspondence or communication on what if anything is needed and just push me right to foreclosure.
Product: Credit reporting or other personal consumer reports

I have files several complaints against TransUnion credit agencies for purposely, deliberately and intentionally placing false information, not updating, and restricting me from my credit file. XXXX XXXXt advised me via letter and TransUnion that my account is not pass due XXXX and it has been settled. TransUnion has refused to placed this information on my credit file. TransUnion has reported with each request and complaint that it takes 60 days and has lied about fixing my account for me to have access. I will be taking with attorneys in reference to this violation. It has been over 60 days and it should not take this long to correct my account when the party have submitted information to TransUnion Credit Agency. As of XX/XX/year>, I cant access my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is in reference to my Apple credit card. I asked Goldman Sachs to change either the statement closing date or the payment due date and they refused. They said '' that's just the way it is. '' The statements are printed on the first day of the month and the payments are due on the last day of the month. I do not recall being advised of this stringent policy when I applied for the card.
Product: Credit card or prepaid card

on XX/XX/XXXX I had decided to purchase an XXXX watch in the amount of {$750.00}. 
I was given an order number and notification that item was shipped via XXXX 2nd day air with an expected delivery date of XX/XX/XXXX. 

On XX/XX/XXXX, rhe package tracker stated it was pushed the following day. 
XX/XX/XXXX, XXXX claims package was never on the truck pushed date further out. I contacted both XXXX and Bestbuy to find out whats going on. I was informed that since it was season i will have to wait till the XX/XX/XXXX before i cam receive my package. 

XXXX failed to deliver the package on the first and when asked i was given a response the package is missing or lost contact sender to resend When i called Bestbuy i was informed that they can not send another item because its not available, but i can proceed for a refund and see of i can aquire it from a store On XX/XX/XXXX the local store has a small stock of the exact item and i went ahead and purchased it per Bestbuy request. 

it has been more than 5 business days and i yet to receive my refund.
Product: Mortgage

Back in XX/XX/XXXX I was able to negotiate an accepted offer for a new development in XXXX. My real estate broker suggested an attorney to me that I subsequently hired for this deal. In the contract negotiations the lawyer I hired pressured me multiple times to sign the contract while I was out of the country just to lock the deal in. Not allowing my any time to review the details. I signed it when I returned back in mid XXXX XXXX one stipulation of the contract, is that I was supposed to get my mortgage not only with Wells Fargo XXXX but with a specific broker at WF. I had a mortgage contingency in my contract so if my loan did not get approved I would have been able to get out of the deal. I had originally been slated to close in XXXX, then XXXX, with the dates getting constantly pushed back. In this time WF held half my down payment. As XXXX rolled around I realized maybe this deal I had partaken in was unethical as WF was very uncommunicative about the mortgage, the rate I could lock in, the costs etc. I tried thru various ways to get out of the deal and my attorney never once offered me any reassurance or solution. The building received its TCO on XX/XX/XXXX around XXXX as I was told. Setting my closing date for early XXXX. The mortgage broker continued to be evasive about all facets of the mortgage. Multiple times ignoring communication from either myself or my real estate broker. About 2 weeks before the closing WF alerts me because my condo had not sold 50 % of the units I needed to get a different type of mortgage that would go against WFs books I believe not the XXXX XXXX or XXXX   XXXX. I was told this wouldn't affect me or my costs at all. The broker was so unpleasant to deal with. The final numbers were never properly disclosed to me at the closing or in any communications with WF. My escrow was setup incorrectly in my payments and I do believe my income is not anywhere near high enough to even qualify for the mortgage amount of XXXX. I believe the developer and WF had an existing relationship. On some of my loan documents they estimated my costs to be about 4k/month. The building is a new development and my taxes just got reassessed at over 12k/yr.  Bringing my costs to almost 5k/mo. With my current salary and discretionary bonus this eats up well over 80 % of my net pay monthly. I have been trying to find any rationale or resolution with WF but have had no luck so far. I do believe WF fudged some numbers or underestimated my costs to get the loan through underwriting. I question my " ability to replay '' this loan. I barely have enough money to cover just the apartments costs now. One the loan application I had noticed the numbers communicated to me and the ones of the document are not the same and the estimated taxes were about half ( {$540.00} ) of what my realized taxes of ( {$1000.00} ) a month are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such consent, or remove the item in question.

Furthermore, IRS Form 1099-C provides for charge-off accounts to be filed as income for the creditor. As such, income shall not be reported as a debt. I again insist that the item in question be removed.
Product: Checking or savings account

Hello, I apply online for HSBC US BANK BONUS offer of {$350.00} the rules and the terms of this offer is to deposit {$10000.00} in new money keep the money on the account for 90 days from the day you deposit the fund than wait 60 days after that to get the {$350.00} bonus deposited directly to my checking account so I did exactly according to the bank rules I open a checking account on XX/XX/18 I funded the account with {$10000.00} on XX/XX/18 I waited 60 days before I touched the money I waited more than 60 days after I met all the requirements I call the bank customers service many times asking them about my bonus they offer to the consumer when they meet all the requirement they informed me the only thing they can do is to put inquiry about the issue to the back office and I have to wait for the respond I waited 5 months and 26 days and nothing happen I got zero. One girl called me from HSBC customer service she told me I was denied the bonus and she couldn't tell me the reason why I was denied the bank just denied me for NO reason or any explanation whatsoever BASICALLY HSBC bank took {$10000.00} from me and they invested it for almost 6 months and they gave me ZERO DOLLARS THEY BROKE THEIR PROMISE AND THEY DID NOT HONOR WHAT THEY ADVERTISE ONLINE OR AT THE BRANCH I THINK THIS IS NOT FAR FOR THE CONSUMERS TO BE TREATED LIKE THAT BUY GIANT BANK TAKING MONEY FROM HARD WORKING MIDDLE-CLASS PEOPLES AND THEY INVESTED IT IN THEIR PROJECT TO MAKE MILLIONS AND THEY GIVE THE CONSUMER ZERO DOLLARS I THINK THIS IS A TYPE OF SCAM
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft, fraud, and a data breach. These fraudulent accounts consist of a personal credit card account opened at psecu and bankruptcy. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 # ( private case number ) as proof from the XXXX 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, credit repair services, or other personal consumer reports

I use the Experian Credit monitoring tool to keep track of my Experian credit report as I have been trying to fix my credit. Yesterday I applied for credit with a company who uses experience as well and the credit report and score pulled by the company did not match the score in my Experian app. I was denied for credit and told that my score was 100 points lower than the score that is populated in the credit monitoring app how is this possible? What is the point of offering a tool to help consumers keep track of their credit score and report if the information displayed within the app is incorrect by more than 100 points I feel as though I am being victimized by the credit consumer agencies as Ive done everything possible to try to get my score high and they keep bringing me down to a lower score what else can I do to improve my credit? Why do you the CFPB allow these companies to take advantage of people with a lower credit score how are they monitored? Every time II have submitted a complaint you guys do nothing so I will keep filing complaints until I get a real answer
Product: Mortgage

I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service formerly a XXXX Account # XXXX blatant inaccurate information and according to the FCRA statute 15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

However the company reporting it to my credit with the same name and address is saying that this is not there account yet in their name they are reporting it to my credit. If this is not their account it should be removed because it is inaccurate. 

Credit Collection Service at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the results of an investigation conducted by your agency concerning inaccurate information on my credit report, which I believe stems from the Equifax data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of information reported. However, the investigation into my dispute was inadequate and did not meet the legal requirements outlined under the FCRA. 

On XX/XX/year>, I submitted a formal dispute regarding specific inaccurate information, e.g., a fraudulent account, incorrect balance, or late payment. However, your agency failed to properly investigate the matter, as evidenced by [ explain why the investigation was inadequate, such as lack of documentation, failure to contact the creditor, or failure to remove inaccurate information. 

Given that Equifax suffered a major data breach compromising sensitive consumer information, I have reason to believe that the disputed information on my credit report may be a direct result of identity theft or unauthorized use of my personal data. Under 15 U.S.C. 1681i of the FCRA, you are obligated to : Conduct a reasonable reinvestigation of disputed information.

Provide me with a summary of the investigation and its findings.

Correct or delete inaccurate or unverifiable information.

Due to the insufficient investigation conducted, I demand that you immediately reinvestigate my dispute in compliance with FCRA guidelines. Additionally, please provide me with documentation supporting the verification of the disputed information. If your agency can not verify the accuracy of the information, it must be deleted from my credit report as required by law.

Failure to comply with FCRA regulations may result in legal action against your agency, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please respond in writing within the legally required 30-day period, confirming that a proper reinvestigation has been initiated or that the disputed information has been corrected or removed. If you require additional information from me to facilitate the reinvestigation, please notify me promptly. 

I appreciate your prompt attention to this matter and expect full compliance with federal law. Please send your response to the address listed above. 

Pleas see attachment its showing negative available credit and multiple charge off months which are inaccurate with both XXXX and XXXX  Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a 100 % XXXX veteran with XXXX  young children.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered an item from Best Buy using my Best Buy branded Citibank Visa Credit Card and was charged {$320.00}. On XX/XX/XXXX, I cancelled that order without picking up the item from Best Buy and my card was refunded {$320.00} for the cancellation. On XX/XX/XXXX my card was charged again for {$320.00} by Best Buy and I did not make an order for anything at that time. 

I tried to work with Best Buy to figure out what happened, why my card was charged again, etc ... I had many phone calls into the Best Buy call center, several manager escalations with no one returning my calls. I ultimately contacted Citibank on XX/XX/XXXX to dispute the charge ( Case XXXX ) as I had not received the item therefore I shouldn't be paying for it. Citibank eventually closed my dispute in early XXXX and denied it because they received a screenshot from a Best Buy ticketing system that said the order was charged again because the item was picked up before the order was cancelled. This was a note in a ticketing system and not any sort of proof that I had actually received the item, it could have literally said anything. I reached out to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX to try and explain to the chargeback department what happened, why I can't prove that I didn't do something, all of my attempts to correct the issue with Best Buy, etc ... They said they would resubmit the chargeback, which I found out was summarily denied on XX/XX/XXXX and said there isn't anything they can do and I should go to the store and see if they can help me. 

Citibank and Best Buy are asking be to prove a negative, that I didn't do something. They are also claiming that I picked up the item with out a Best Buy employee, pulling up the order and processing it. If you have ever done an order pickup at Best Buy, you would know that isn't at all possible, the first thing they do is pull up the order on their computer in order to find the item. I am in a situation where Citibank is holding me liable for a Best Buy inventory mistake and that is fundamentally unfair.
Product: Mortgage

In XX/XX/2022 I applied for a loan modification for my mortgage at Fifth Third Bank. I never heard anything back from them on it and later in XXXX I had a buyer who wanted to buy the home. I tried to get a payoff for the sale and never go it. The buyers realty attorney tried also for 2 months to get it from them. Finally after 3 months they gave us a payoff. By then the buyer backed out and in the process had started renovations on the house unknown to me. The house does not have a bathroom now due to buyer demoing it. I asked for a short sale and the bank agreed but will not entertain an existing offer of $ XXXX fothe sale. I paid on the house for 15 years and somehow owe $ XXXX more than I borrowed to buy the house. I borrowed $ XXXX, paid approximately $ XXXX in loan payments over 15 years and they say I owe $ XXXX now. Now they are for closing on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education DebXXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )