23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The  loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ). 

I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet. 

I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent FTC violation with the police report and inaccurate information on my credit report fcra violations
Product: Debt collection

XXXX bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. XXXX added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of XXXX XXXX XXXX about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here!

Your agency is in violation!

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.

Delete this at once!

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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: Credit reporting, credit repair services, or other personal consumer reports

Hello there.On XXXX, transunion charged my and my husband {$19.00} per person for providing a credit report. We were not asked for giving permission to get charged. This is a kind of fraud. Now, they dont cancel my subscription. I want to get our money back and also dont want them to have an access to our credit cards and history. I appreciate if you could help us with this issue. 
Thank you XXXX XXXX
Product: Debt collection

Dear, Wells Fargo, I am writing to dispute inaccurate information being reported on my credit file. The account in question is : Creditor Name : Wells Fargo Card Services Account Number : [ Account Number ending in XXXX ] Reported Issue : Improper Repeated Charge-Off Reporting This account was charged off in XXXX of XXXX. A charge-off is a one-time event and should not be updated or reported as a new charge-off each month. You stated this account charged off in XXXX of XXXX. This account has been reported as a charge-off from XX/XX/XXXX through XX/XX/XXXX. Continuing to report a recurring charge-off inaccurately portrays my payment history and misleads future creditors. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), information furnishers must provide information that is accurate and complete. Repeatedly reporting a charge-off as a new event violates this provision of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

This is regarding account JEFFERSON CAPITAL SYST ( Original Creditor : XXXX XXXX ) XXXX on my credit report. Your company responded to CFPB complaint XXXX stating that this tradeline would be removed from my credit report. Your response was submitted on XX/XX/scrub>XXXX and it is now XX/XX/year> and this account is still reporting on my credit report. I am demanding that this account is removed immediately, and the True bill attached to this complaint is paid for failure to comply with FCRA regulations. This true bill was attached to the last complaint, where your company failed to pay, but instead stated that the account would be removed and that was not true. I am keeping a paper trail of my correspondence with your company for legal purposes. Payment is to be remitted to the address listed on the invoice. Failure to remove this account and remit payment may result in a suit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. 

My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit on XXXX XXXX noticed I had XXXX hard inquiries XXXX on XXXX by XXXX that I did not approve. I was also made aware via email after having to change my password XXXX of my credit card accounts had been hacked and a new credit card was issued to someone that I did not approve. Under XXXX a hard inquiry was made by XXXX XXXX  XXXX. I again did not apply for this. I received in the mail that afternoon a letter from XXXX XXXX about another credit card that need verification. I was able to contact them and let them know this was fraud. I received an email today from Regions regarding an account I did not open and will reach out during business hours. I had a freeze put on by all XXXX credit bureaus and received an email on XX/XX/XXXX that someone tried again to hit my credit that was stopped. My email has been compromised and have to change the password often. When trying to setup an online account via XXXX XXXX they had changed my username and password and phone number. XXXX XXXX did help get that fixed.
Product: Debt collection

This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I discovered several fraudulent accounts reporting on my Experian & XX/XX/XXXXCredit Report. I have alerted Experian of the fraud by submitting Identity Theft documentation.
Product: Debt collection

They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXXI have submitted 2 requests now to consumerfinance.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. A law firm out of XXXX ran a hard inquiry on my credit report with out my permission on XX/XX/2022. 

I have tried to call about this to them several times and each time transferee to a different department. From my understanding it is illegal to run a hard check without permission from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be in error. in no form i recognize this.
Product: Debt collection

On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX , TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX  file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs Transunion lawsuit.
Product: Debt collection

I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house. 
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.

I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX  Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM. 
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.
Product: Debt collection

Hi, I recently pulled my credit report and found out that there was a bill listed as late on my credit report that I was unaware of. I contacted National Account Systems of Omaha who had apparently been contracted to collect the debt to resolve the issue. I was fully willing to make payment in full, but requested that they remove the debt from my credit report. During the conversation with a XXXX XXXX XXXX, he was hostile, and argumentative. He stated that they had tried to send numerous requests to my home in XXXX, XXXX ... I live in XXXX, XXXX. He tried to charge me an additional {$160.00} on top of the {$110.00} that is in question. He stated that I was trying to bully him into removing the debt when I stated that I know my rights as as consumer and mentioned that I knew I could contact you for assistance on the matter. 

I simply tried to resolve the matter as soon as I realized what was happening, and streamline the process by contacting them directly. If you could help me get this matter resolved I would like to move on past this. If there is any additional information that I can provide for you ; please let me know. 

I greatly appreciate your time and assistance in this matter. 

Highest regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.