23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to express my concern that US Bank is not being properly regulated. There appears to be incompetence, poor governance, and poor data controls.I was recently denied a mortgage ( refinance ) with the following explanation under the heading, Principal Reason for Credit Denial, " Status of Prior U.S. Bank accounts '' .This surprised me, as to the best of my recollection I briefly opened a savings account at US bank a long time ago ( I have subsequently learned from US bank employee XXXX XXXX that it was in 2012 ), to set aside some fundsfor home repairs. I then closed that account, probably after a few months. This was so long ago, I barely remember it at all. Yet apparently it was the reason for my credit to be denied.What is of even greater concern is the management of my personal data. When I attempted to find out about this account and why it caused my credit to be denied, none of theUS bank employees I contacted could find any record of my account at all. I spoke to my local branch ( where I had opened the account ) ; someone at the collections department ; XXXX who was at Customer Service headquarters ; XXXX XXXX ; and XXXX XXXX, the MortgageOperations Manager in Missouri. XXXX XXXX contacted the underwriter to inquire on my behalf, but got no information. Eventually his boss, XXXX XXXX, was able to find out that the account was from 2012, but could gather no further information as to how or why this influenced my credit denial. Each of these representatives of US Bank indicated to me that they had never before heard of asimilar situation.I am deeply troubled as to how and why the underwriter has access to account information from more than 10 years ago, that nobody from the bank appears to know anything about, and that I myself am unable to access. Where are my records, and who has access to them? Finally, it seems like negligence to me, that after US Bank approached me to offer me this mortgage, they did not contact me to notify me of the denial. All of the loan officers I dealtwith disappeared, and failed to respond to my attempts to contact them. I eventually found someone else at US Bank who was able to investigate, and he informed me that the loan had been denied -- this was subsequently confirmed via a denial letter. Surely this violates the basic principles of good governance for a financial institution.
Product: Credit reporting or other personal consumer reports

I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the three major credit reporting agencies, namely Experian, XXXX, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as Experian, XXXX, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other emotional trauma I need your help as I have been ignored and subsequently been deleted from XXXX. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

Ive been trying for months to get in contact with Santander Consumer USA for a duplicate title to my car, but they have made this task impossible.
Product: Debt collection

I have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

The was paid directly to Synchrony Bank and I have the bank statements to prove it, they stole my identity and are trying to collect on over inflated amount.
Product: Mortgage

In XXXX, XXXX, upon receiving a notice of change ( an increase ) of escrow payment amount from Mr. Cooper ( that purchased the mortgage from XXXX XXXX XXXX ) due to an increase in homeowner 's property insurance premium, we contacted XXXX, our homeowner 's insurance carrier. XXXX corrected the premium, lowering it by some {$600.00}. We notified Mr. Cooper by phone and via email ( we sent a new Declaration from XXXX ) of the change in premium on XX/XX/XXXX, and Mr. Cooper acknowledged receipt by email on XX/XX/XXXX. This change would have lowered our monthly mortgage payment by about {$50.00} per month. 

In contravention of our request, Mr. Cooper paid the incorrect amount on or about XX/XX/2023 to XXXX ( some 30 days after being made aware of the correct amount ), and has continued to refuse to correct both our escrow and our monthly mortgage payment. 

Three protracted telephone calls with Mr. Cooper 's employees have not resulted in a correction of the problem, and clearly paying the incorrect amount was done in blatant contravention of accepted practice and procedure.
Product: Credit card or prepaid card

Last year I had to cancel my card a few timea due to someone paying a light bill and phone bill from XXXX and XXXX XXXX I made a dispute with chime and they came back and said that there was no error on my account I asked to check for duplicate accounts because I have no accounts with either merchant and I did not authorize transaction. The institution said they will not give funds back because there was no error. So further down the year I had about 5 deposits over XXXX each in 5 months and I have multiple transactions and purchases that were sent to my phone unauthorized transactions as if someone has cloned my card using it as their own I filed a dispute the bank claim there is no error and they won't give me my money back which is a whipping total of XXXX I received a student loan of XXXX $ and it show paid on my XXXX but the funds never made it to my account and the money was taken the loan is showing my credit score already I contacted the bank and they declared that there was no error. Not to mention that I have been locked out of my online banking for almost 10 months and someone hacked the account making all of my deposits go strait to my cc card that I have with chime bank which is not how I set the account up. I have sent the same information to get bank into my account over 30 times receiving the same response and no progress of me getting back to my account but more money is coming up unaccounted for and the bank is still telling me there is no error or the transactions did not go through in which they did and some how the hacker has it to were it's not showing on the statement but I receive at text after the transaction has been approved asking if I approved the transaction there were maybe 2 out of many transactions I authorized but there were many over charges and extra charges from the same merchant that wasn't authorized over XXXX at a time there are all send to my phone with a confirmation number receipt of purchase from a town or state I've never been to.bill were being paid and multiple online accounts including XXXX and XXXX 's charged that went through and not shown on the statement but the money is missing and the bank is saying that there is no error and I won't me reimbursed. I know my money is protected by the FDIC and I have fallen behind on bills due to this situation mid point auto and XXXX XXXX who lives in XXXX Texas had access to my information after trying to purchase a vehicle these are all the transactions that appeared on my account and law enforcement is stating on camera that the car lot has infact " stolen my identity '' and has duplicated my card and is making all of these online purchases from out of state with XXXX XXXX from XXXX Texas. And was confirmed that she had access to all of my banking information please help me get my money back please
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WILL not update / Delete the address below from my credit file! 

This is a Non-compliance request i have never lived at this address, it belongs to another family member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account number : XXXX Account type : Charge Card Date opened : XX/XX/XXXX Status : Open. {$10.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX XXXX : {$55.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting or other personal consumer reports

This is a second complaint related to complaint XXXX. 

This company is a new young fintech company faking it and making up rules along the way. 

In my last complaint I indicated the company was engaging in wire fraud 18 usc 1343 due to its failure to administer the customer service function and instead just charging predatory fees. This would be XXXX. 

The company never responded to the complaints even when served it own codes of conduct with the requisiste US Title 18 citations as well as TILA etc. 

Now the company is lying to the credit bureaus. They are applying some make up to posture themselves in the position. The company is not reporting a dispute on the account. The credit reporting was recently updated and is incorrect. The first forgery/false statement was sent to XXXX. I'm sure XXXX will get one next. 

It is 18 USC1519 as well as 18 USC1001 to take false statements or destroy evidence. 

As shown in attachment this company has multiple XXXX desk tickets submitted for customer support that went unfulfilled. And the response provided by the representative was not matching to the statements made before the SEC. This complaint needs higher publicity as this young fintech company is going to injure many more people with this type of predatory activity. 

I hereby request whomever is handling this matter from Sezzle with the CFPB to provide your first and last name clearly so i can have recourse rights to contact your local police and or attorney general or district attorney to press charges for fraud. 

Clearly the contact from the CFPB was not a deterrent for this young company to mitigate the failures of the customer service department.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS & OUT Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Product: Debt collection

I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with Capital One before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX sent a {$680.00} ambulence fee from a year ago to a collections agency. I did not hear about it until the agency called me. When they did, I asked the VA to pay the XXXX company. the VA HAS PAID the XXXX company in FULL. Despite this, the collection is still showing up on my credit report. it is erroneous. I wa sincapacitated and did not receive a single piece of mail, a phone call, email, or anything related to this XXXX XXXX debt until it was already in collections. The moment I did receive notification, I told the VA, and the VA paid them right away! The VA gave me the check number XXXX which XXXX has also verified. XXXX said they would speak to the collection agency to correct the reporting. But the collection agency is still reporting it. I need this removed. it wasa medical bill that I never heard of and the moment I heard of it IT WAS PAID. This collection is ruining my credit score. XXXX XXXX received their money from my insurance provider, Veterans Affairs, why am I being punished for this?? 

the check number for the payment is XXXX from Veterans Affairs to XXXX XXXX through electronic funds transfer, which XXXX has confirmed it received. PLEASE REMOVE THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Transunion, and XXXX Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance {$930.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00} CHILD SUPPORT ENF AG/XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XXXX I was under attack by vicious scammers. It originated with a phone call telling me my XXXX XXXX  XXXX card was compromised. That whole weekend they kept me on the phone. Telling all kinds of stories that people had my card and they were going on a cruise to the XXXX etc.. They also let me know that they realize that my XXXX XXXX was compromised as well. The phony XXXX agent instructed me that a policeman would be coming to my house to pick up the XXXX cards, my XXXX and my XXXX, so they can continue investigating what was turning into a nightmare scam. After the so-called policeman picked up the cards, the scammers went crazy. Charging all kinds of items and very expensive electronics. XXXX bank worked with me, hand in hand to sort out the mess.They immediately took action and had all of the charges of which there were many reversed. XXXX XXXX on the other hand, treated me very poorly. They said they were investigating and because of the circumstances, it was my fault that the credit card was used. The scammers racked up over {$12000.00} in purchases all over XXXX Florida. I live in XXXX Florida, and I honestly didnt recognize the names of the towns where a lot of the purchases were made. I am an XXXX XXXX woman and Im practically housebound at this point. I take care of a XXXX  XXXX  husband and a daughter who is XXXX XXXX XXXX XXXX As you can see my life is not exactly easy. This whole scam and identity theft has really made my life miserable. I did everything XXXX said to do. I got a police report., made a list of all the charges that were made and filled out XXXX  official report. XXXX showed no interest in, trying to help me with a resolution to this problem. They insist that I authorize the charges which I did not. I got absolutely no alerts warning me about anything going on with XXXX. ive had this XXXX  XXXX XXXX  hanging over me since the scam began. How they continually insist that I authorize these purchases when I was nowhere near any of these place, is very disturbing. I found out that the way they got all of my information was through my phone. Somehow they did get control of my phone and was able to get my pins and passwords, etc. why these people cant use their productivity to do something positive is beyond me. As a retired elementary school teacher it really breaks my heart to see the direction that our world is going. 
Please let me know if you need more information from me. Thank you very much for your kind attention to this matter. 
Best regards, XXXX XXXX.
Product: Payday loan

I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a reverse mortgage and the process seemed to be going very well, until the appraiser came out to appraise my manufactured home. I have my home and I also have a mobile on my property that I rent and I rent a lot space for another person to keep their mobile home here. I had disclosed this information to the lender at the time I applied for this loan and was told there would be no issues. 
I have received a letter informing me that my application was declined and the reason simply says that I was declined because ( property does not meet minimum FHA standards ) I don't know what issue or issues caused the denial.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1500.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.