23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I purchased my first home using the VA home Loan in XXXX XXXX, Florida on XX/XX/XXXX for {$190000.00} dollars. 

I discovered in late XX/XX/XXXX the seller, XXXX XXXX the realtor, XXXX XXXX  with XXXX XXXX XXXX, XXXX Florida ( when I bought my home she was using the business name XXXX XXXX ) the listing agent, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida and the mortgage broker, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida ( was with Absolute Home Mortgage XXXX XXXX, Florida at time of purchase ) used a fraudulent home inspection document to push the home sale through using a fraudulent home inspection report and fraudulent inspection company. 

I also have reason to believe there was not an authorized or legitimate VA home inspector that was used for the home and the document used was also falsified by the realtor and the mortgage broker. 

In late XX/XX/XXXX I discovered massive structural damage to all the exterior walls and the master bathroom. These serious issues wouldve been caught with the house if a legitimate home inspection report had been used. 

By the end of XX/XX/XXXX my home was declared by a local engineer as structurally dangerous. The XXXX County building department very soon after receiving the XXXX report, declared the home condemned until further notice and ordered me to leave the premises within 24 hours. 

My house is now considered unlivable and is a structural danger only 3 years after the purchase of this home using the VA Home loan. This event has caused an unbelievable financial hardship and unimaginable emotional distress since the discovery of this fraudulent and misleading transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent out a letters XXXX, to Experian, XXXX, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know more about who did they speak with?

How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Product: Credit card or prepaid card

Synchrony Bank chose to close my Lowe 's credit card on XX/XX/23 after some " automated review ''. Really odd timing considering I just contacted them a couple weeks ago to get a new card mailed to my new address. This is a card that has never held a high balance and never had a payment missed. Synchrony stated the following Too Many Revolving Accounts With High Balance Compared To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many Bankcards With High Balance Compared To Credit Limit Too Many Inquiries 1. Whether I have other accounts with high balances shouldn't matter on an automated review, this card does not and has not carried any balance near the credit limit.

2. What does having a mortgage have anything to do with having a Lowe 's credit card? I shop at Lowe 's for my side job nearly every week.

3. Again, why does it matter if I have other cards with high balances if this one isn't?

4. Synchrony is not attempting to issue me new credit so having many inquiries doesn't matter.

XXXX  XXXX  just did this same thing on another card. The bank will claim your credit score is low, but then lower your credit limit or close your card, causing your credit score to drop further impacting the rest of your financial health. This is straight anti-consumer activity by Synchrony Bank, harming Americans by closing accounts that have never had a negative financial impact to them.
Product: Mortgage

I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this evening, and I'm at a loss as to why they're there. I usually check my credit report without issues, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. I'm really upset about this and urgently request that the documents I've provided be thoroughly reviewed so I can stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # XXXX,
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX credit card never rewarded me the initial sign up bonus of {$150.00} after spending {$500.00} within the first 90 days of opening the account. We called the credit card company and they said we missed something in the application and we never signed up for this bonus. I told them that there was nothing to miss and it was just one whole normal credit card application. Then they said they can not do anything about this. I applied and got approved for this card on XX/XX/2018 through their site and the site clearly stated that youll get a {$150.00} bonus after hitting the spending requirement.
Product: Debt collection

I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit card or prepaid card

I ordered a pair of vase at XXXX for a party at my house but I it took them longer to deliver so I bought something somewhere else so contacted XXXX  and cancelled the order I spoke with a guy name XXXX. After a few months I got a call from commenity bank collecting money for the vase that I canceled and did not receive. They want me to pay the charges while they investigate so at the end I never had any charge They want me to pay the service charge and penalty for an item that I canceled and did not receive.
Product: Student loan

I never agreed to interest loans imposed by the SunTrust company ... XXXX.nor did I agree for SunTrust to take over my loans and they bought my debt without my consent or notification. I formally refuse to take on the new undiscussed interest rates and this new lenders service ... .I do not do banking business with SunTrust nor have they ever given me a loan. I demand this debt be removed because it is not my debt once it is paid off from the entity I agreed with. 
I have not confirmed any paperwork with SunTrust and this makes my balances new and different interest monies are included which I did not agree upon. This debt is no longer under a signed contract with XXXX XXXX as I was not present or notified prior to the shift in debt possession. 

I would like this debt permanently removed since it has been satisfied by an unknown benefactor as shown on my credit report. Benefactor named as SunTrust.
Product: Mortgage

On XX/XX/22, I spoke with a party who is interested in buying my home from me. They requested I reach out to my Mortgage Company, 21st Mortgage, to inquire about Assuming the loan vs them finding their own financing. I reviewed the original contract signed at closing, and found that the clause implies it is possible for the Note to be assumed by another party/entity. On XX/XX/22, I called the mortgage company and requested them to explain to me what the process would be and what would the interest rate be if that person were to assume the note. The Financial Counselor did not hesitate to state that their company does not allow XXXX XXXX I pointed him to the contract. He stated that the contract was the original contract and that it only implies that it may be assumed. I corrected him and stated that the use of the word may is traditionally used in contracts and does not mean that they do not allow it. He offered for me to speak to his supervisor. We spoke and I got the same response. I am writing a formal complaint against this lender for unfair practices and not honoring the contract terms. I also am submitting for fraud as their website discusses the possibility of Loan Assumption under their Financial Hardship options. The Financial Counselors Supervisor also did not accurately portray what a Loan Assumption is as there are different types. Instead, he focused on one and tried to make it sound like they are protecting me, the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXXXXXX 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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

There is currently a credit card attached to my credit report listed as XXXXXXXX XXXX XXXXXXXX XXXX currently being reported as of XX/XX/XXXX as a charge off with 124 % utilization. I have disputed multiple times because I have no knowledge of this credit card, did not apply for it. It is listed as a charge off with an account number ending in XXXX. It shows the date this credit card was opened is XX/XX/XXXX, I was born in XXXX that would mean I opened this target credit card when I was XXXX XXXX XXXX and it is impossible. I feel as though my disputes have not been taken serious and this is obviously incorrect information. This credit card is actively reporting and affecting me currently, this is accounting for XXXX late payments and has dropped my on-time payment percentage to 95 % when it is or has never been my responsibility or initiated by myself. I am XXXX XXXX military and looking to purchase property and get my finances in order, although this may seem insignificant it has an enormous impact on me. Respectfully request to have this false information removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was an unknown hard inquiry on my XXXX credit report showing that someone tried to get a personal loan from LendMark Financial S using my name. They also knew my address and my current employer as well. I did not take out a personal loan at all. Now its showing on my credit report as a hard inquiry. I found out that the person did this in XXXX SC
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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

I want the company to remove the unauthorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( XXXX ) days before it's open on experian? XXXX has it open XX/XX/XXXX closed XX/XX/XXXX. Equifax has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Product: Credit card or prepaid card

Direct deposit from federal government is still unavailable meanwhile Wells Fargo and XXXX are collecting interest and playing the blame game.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
FEB-XXXX - XXXX, XXXX XXXXXXXX  XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX CARD - XXXX, BK OF XXXX - XXXX, ACCESS FED XXXX XXXX - XXXX, XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Credit card or prepaid card

XX/XX/19 charge for {$29.00} for 2 size 2xl womens flannel shirts thru sears.com.Notified sears MasterCard I never got them.They reversed charge sent a letter received XX/XX/19 the dispute settled & I didn't owe anything.The bill I got XX/XX/19 showed XXXX owing.This month XX/XX/19 I get another letter stating since the merchandise wasn't returned they were charging {$29.00} again & a bill from Sears MasterCard received XX/XX/19 charged {$29.00} again with the date of XX/XX/19 on it.The closing date of statement is XX/XX/19 3 days after 90 days to complete a dispute.
Product: Student loan

I contacted XXXX  on XX/XX/XXXX to check in and inquire about the Income-Driven Repayment plan for my Federal Student Loans and if there were any changes due to Covid-19. During the call I was quickly encouraged to initiate a loan consolidation now before payments were required in XXXX. I was told my Income-Driven Repayment would be continued and Student Loan Forgiveness was discussed. I was required to pay {$390.00} to initiate the consolidation and would receive documents in 5-7 days that would require me to send back 2 paystubs, plus provide two references. The {$390.00} charged to my XXXX  account on XX/XX/XXXX. The agent stated that based on my income I could expect my payment to be $ XXXX beginning in XX/XX/XXXX. 

I received the document packet and instead of " XXXX '' on the folder and return address it was " Federal Student Loan Doc Prep ''. I assumed this was a third party that XXXX worked with, so completed and submitted. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX  '' in regards to the Consolidation Loan Details. This letter mentions that the Income-Driven Repayment information was not received to determine if I qualified, and suggested I visit my account. I then tried logging into my XXXX account and my username was not correct. I attempted the XXXX XXXX website and the recovery email was not my email, but was similar. Everything was feeling unusual now about the entire process, so I decided to contact XXXX  by phone again on Monday XXXX today XXXX, XX/XX/XXXX. 

Today when I spoke with XXXX, I was informed that there are NO FEES to consolidate a Federal Student Loan. She said I must have been working with a third party, but I had only contacted XXXX. Somehow, Federal Student Loan Doc Prep had intercepted the incoming call that I made to XXXX I have contacted my bank and blocked Federal Student Loan Doc Prep from charging to my account again, and contacted XXXX XXXX to cancel the consolidation all together. Everytime XXXX attempt to call the Federal Student Loan Doc Prep number it goes to a voicemail. 

The XXXX agent today told me that my Income-Driven Repayment does not even need recertified until XX/XX/XXXX. The XXXX  agent reset my account and added an additional password security. I'm not sure if the {$390.00} will be refunded, but I did file a fraud claim with the bank. The part of this that is so unnerving is that thought I was speaking with XXXX -- so trying to figure out how a third party became involved is confusing. Plus the fact the company created a new XXXX account without my knowledge. I'm flustered with myself for not being more diligent in vetting!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back