23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Newrez offered me a loan with a very high interest rate but said that I had the option I to buy it down with points ( 8.125 % rate with {$1200.00} in points ). I agreed to to that. Then right before closing, they came back and said I could not use all of my seller concession ( $ XXXX ) towards closing costs. I was surprised because they had known the amount of the seller concession for over a month at this point. When I asked why I was learning about their 3 % rule at this point, they said, " that was an oversight. '' I reluctantly agreed to cover the extra {$4000.00} in closing costs, but I told them I did not want to buy the points so that I could have enough cash to close. Then they said they would not approve a higher interest rate because it would make my monthly payment too high. I reluctantly agreed to buy the points and pay the extra closing costs. Then, after they had delayed so long that we missed our contracted closing date, Newrez said that we could not close because my insurance cost was too high and that it put my monthly payment over a threshold. I pointed out that I had given them the insurance quote weeks and weeks before that and they had never flagged it as problematic. They said I could not close unless I chose one of their other products, interest-only loans with even higher interest rates ( 8.6 %, after paying points ). When I pointed out that those offers would actually increase my monthly payments they had no reply. At every step of this process, Newrez has tried to delay so that they would have increasing amounts of leverage to renegotiate the terms of the loan, asking for more points and interest up front. It's predatory and it's wrong. I have all the emails to prove my claims. I tried reaching out to Newrez supervisor but they did not help, but mostly defended and excused their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections from XXXX on my credit report that I am not familiar with, I have disputed these collections multiple times asking for verification from the credit bureaus and they have failed to verify these accounts. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

GM Financial hold payoffs for a few days after receiving them and then finds reason to send back the payoffs to other companies that customers have refinanced with so that they can have more interest income. They are stealing from their customers and it is unethical and they need to be corrected.
Product: Credit card or prepaid card

I opened a new Amex credit card in XX/XX/XXXX and have met the spending requirements for the promotion offer ( XXXX points for XXXX spending within 90 days ) for 4 months. I contacted the Amex several times and no responses. I request the offer be honored by Amex as advertised.
Product: Checking or savings account

XX/XX/year> I made two separate deposits of {$500.00} each time, bringing my account balance to {$860.00}. This amount was deposited to make my house payment. On XXXX XXXX XXXX I received an email stating that my account was closed effective immediately. I have called the customer support as of now ( XXXX ) 4 times. All 4 representatives refuse to provide any information other than my account was closed because it was not in compliance. When I asked what was not in compliance, they refuse to provide an answer. They refuse to provide me with contact information to someone who can answer my questions, and they refuse to tell me how I can retrieve my money that I deposited yesterday, as well as my direct deposit of {$760.00} from my employer that I received on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I have been informed by a Chime Representative in the fraud department that I do not qualify for a closure check although I have receipts that confirm my two cash deposits as well as my payroll check stub.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote Equifax a dispute letter on the status of my credit report. I found multiply errors on my file and ask for Equifax to fix. Its has been 60 days now and i have not received a copy of my credit report and the fixes Equifax did hurt my score more than helped my score. Since Equifax had a data breach I was affected and they have given me credit monitoring through their site at XXXX. At this point I am following up with my letter to Equifax by filing this complaint to the CFPB. My next step is to file a lawsuit in federal court over several violations of the FCRA. What Equifax decided to do was to reboot my file from a current date in XXXX. After that hardly any files have been updated and many new creditors have been added to my file. My score would / should be at least 30 to 40 points higher. Im at the point of no return its just time to file the lawsuit the erroneous condition of my credit file can not continue to be represented as my current profile.
Product: Credit reporting or other personal consumer reports

I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a closed accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed account from my credit report as soon as possible. Here is the accounts XXXX XX/XX/year>, Date open XX/XX/year>, Account number XXXX, Account balance {$160.00}. 
Please remove this fraudulent closed account from my credit report. I am also attaching copy of my driver license, social security, utility bill and identity theft report. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called in to both Experian and XXXX to remove alerts and freeze I requested due to my background check coming back as not being mines, because of Experian spelling my name incorrectly as result if a background check from XXXX XXXX. Every time I spoke to different representatives even from another dept. I was asked questions to verify my identity that lead me to wondering if people are opening up credit cards, lines of credit in my name. When I asked the reps if this is showing on my credit, I keep being told that it's not that this infor. is on my credit reports, but, these are the questions they are showing to ask me in order to identify who I am. This made no sense to me ... 
Therefore, please investigate if anyone has open any lines of credit for auto insurance, or any credit cards, any type of accounts for any auto services & purchases. I have never requested or had any vehicles! I have never even applied for a driver 's license to have need to request for any auto insurance. Please, find out if anyone has open a line of credit for any jewelry, property or anything using my identity : name, social security, etc. These questions are being asked for a reason. When I am unable to answer due to not recognizing these companies or this infor. I am told that I am unable to be identified by reps. 
When I tried to go online to take care of them matter myself, I have had problems with being allowed to log in even after creating usernames & passwords. I did get in to XXXX XXXX website, but was suddenly logged back out. Then sent a message the the password I created & got in with, no longer works ... I was trying to removing alert, freezes to apply for a mortgage as a 1st time home buyer, which is my 1st time only doing this. I came across this problem. This is all for this. I believe that all of the cases I have had to report are connected to " politics '' being done against me due to retoliaton of putting my daughter 's college under investigation for suspecting fraud with loans ... ( I do choose my battles- if red shirt, please believe me. ) I have had to report to the EEOC as well. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to METRO 2 CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX  reporting in XXXX Credit Bureau and Experian Credit Bureau. Please Delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX XXXX XXXXXXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXXXXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my familys life. I would like for this entire account to be deleted. 
Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Reason : inaccurate information and failure to update Equifax Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Debt collection

They call me 2-3 times a day. Since I refuse to give them my personal information because Im not sure who they are this company calls me every single day!! And when I do answer they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

Two Credit Inquires reported to my XXXX Credit Profile : XX/XX/2024 - SYNCBLOWES XX/XX/2024 - SYNCBLOWESSCML I called to report and dispute the both inquires on XX/XX/2024. I was told that I would receive a letter in 7-10 business days. It has been over 3 weeks now.
Product: Debt collection

Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.
Product: Checking or savings account

My Capital One checking account is not accessible since more than XXXX hours and I have incurred loss to me personally and my family in thousands of dollars. I am left with food, water and bills which I pay using my checking account. I have children at home that I am unable to buy food for and I am also being charged penalties for nonpayment of bills. My XXXX XXXX has suffered, and I am now able to gain loans or access to any funds from other sources. I need to be compensated for my loss due to this outage. 

XXXX does not say when this issue will be fixed, they do not have an XXXX for the fix or explain what exactly is causing this issue. I have not received any communication from them explaining or letting me know about this outage which is ongoing as I write this complain. 

Please help me. 

Thank you XXXX XXXX
Product: Checking or savings account

I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX {$58000.00} XXXX XXXX XXXX XXXX {$43000.00} XXXX XXXX   XXXX {$44000.00} -XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX XXXX
Product: Debt collection

CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded.

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX  requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Product: Mortgage

Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. 
Again, note : I have made LTV ratio and paid the Five years premium. 
Please cancel/terminate the MIP. 
Thank you. 
XXXX XXXX