23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied to refinance my VA loan through Veterans United on XXXX. 
A credit check was run on myself and my wife on that day. At that time a list of our accounts, balances, and other credit information was made available to Veterans United.

My wife and I have an FHA Title 1 loan that is clearly listed as an account on our credit report and Veterans United was aware of this account, its balance, and all pertinent information on XX/XX/XXXX. 

As part of the refinance I was required to have an appraisal and termite inspection on my home. 
The appraisal was completed on XX/XX/XXXX and submitted to Veterans United on XX/XX/XXXX - I have included proof of when it was received by Veterans United.

The appraisal included the fact that there were multiple structures on the property ( a wood frame outbuilding as well as the main home ).

I heard nothing from Veterans United regarding the appraisal nor did I recieve any further instructions on a termite inspection. The instructions I last received were to order a termite inspection for my home. 

Eleven days after Veterans United received the appraisal listing the outbuilding, I purchased a {$250.00} termite inspection at my expense and submitted the documents to Veterans United.

The following day Veterans United contacted me and stated they required me to purchase a SECOND inspection on the outbuilding - another {$250.00}. 

I ordered the second inspection on XX/XX/XXXX for XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX from Veterans United called to inform me they could not go any further with the loan because of the FHA Title 1 loan.

Veterans United knew about that loan for SEVEN weeks while wasting hours of my time asking me to collect documents under the impression my loan was moving forward. They also wasted hundreds of my dollars directing me to order and pay for needless inspections.I had to use PTO from work to accomodate appraisals and inspections because Veterans United failed to perform even the most BASIC due dilligence on my account.

No financial variables changed from the beginning of the loan process to the phone call I received stating it would not be going any further. I did nothing to disqualify myself.

Veterans Unit failed to perform due dilligence on my information and negligently led me into the mortgage refinance process resulting in hundreds of dollars lost.
Product: Mortgage

Mr. Cooper has been charging fees to my account at first they started small but have grown larger and more frequent over time. I have asked about these fees and the company state they are normal processing fee to keep my account current. The fee are as follows XX/XX/XXXX Property Inspections - {$20.00} XX/XX/XXXX Property Inspections {$1.00} XX/XX/XXXX Title Search {$200.00} XX/XX/XXXX Title Search {$50.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS {$220.00} XX/XX/XXXX Title Search {$40.00} XX/XX/XXXX Property Inspections {$220.00} XX/XX/XXXX Legal Fees - {$470.00} XX/XX/XXXX Legal Fees - {$24.00} I just don't understand how they can tack on a {$220.00} inspection fee almost every month at this point.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet XXXX XXXX and EUIFAX has refused to remove these unauthorized inquirieis. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Product: Credit card

XX/XX/year> - purchased XXXX dresses from Saks online. 
XX/XX/year> - items arrived. Two of the dresses did not fit so a return was initiated and the times returned via XXXX XX/XX/year> - Saks acknowledged receipt of the two returned items. 
XX/XX/year> - no refund/credit has been issued. Called Saks customer service and spoke with XXXX. He confirmed the refund was still being processed but could not provide any timel frame to the refund/credit to be issued.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by certified mail to XXXX, Experian, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX XXXX Track # XXXX Experian Track # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my concern regarding an erroneous address listed on my credit report that has not been removed despite of my previous disputes. As per the Fair Credit Reporting Act, credit reporting agencies are required to correct or remove inaccurate information within 30 days of receiving a dispute.There should be only one address listed on my credit report.

Despite of my efforts and disputes trying to remove these old address the address still remains on my report. According to Sections 611 and 623 of the FCRA, consumers have the right to dispute inaccurate information, and credit reporting agencies must conduct a reasonable investigation. 

I respectfully request immediate attention to this matter. Please confirm the removal of the incorrect address from my credit file. I trust you will address this issue promptly to avoid further escalation. 
Incorrect address need to remove. 
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'll XXXX Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

i do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Consumer Loan

On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. 
I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report as follows XXXX ( caine & weiner ) ... ( XXXX XXXX XXXX ) ... dept.of education XXXX XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's 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..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of inquiries reporting to credit report. 

XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money. 

I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient? 

I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve. 

In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!
Product: Credit reporting or other personal consumer reports

I, nor any lender, is able to access my Equifax report. Equifax has placed a hard block on my file with instructions to call customer service to resolve. I followed those instructions more than XXXX  days ago and was told by their support team in XXXX that it would take XXXX  days to resolve via a ticket they submitted. That was more than XXXX  days ago. The folks in XXXX have only read only access and are just middle people who take notes for another team no person can communicate with. This is not a standard freeze or lock. When anyone pulls a report for me, all fields come back as XXXX, not sure what that means.
Product: Debt collection

There is two collections accounts on my credit reports I have disputed on several occassions. They are XXXX and XXXX XXXX. I do not have either of the accounts listed on my credit reports as accounts that belong to me. I have attempted and spoken with the credit bureaus trying to resolve this problem to no avail. The account numbers nor the amounts from these two collection agencies are not listed on my report.
Product: Debt collection

XX/XX/22 {$890.00} Spoke with company XXXX  XXXX XXXX on the phone with debt collector Viking Client Services they told the debt collector I dont owe them any money or see anything went in to collections and the debt collector still trying to get money
Product: Student loan

I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.
Product: Debt collection

I have not received any notifications about payment owed after a payment was made in XX/XX/. Not a single attempt to collect was sent my way from XXXX XXXX - phone or mail - so 2 years later getting a notice from a debt collector comes as a complete shock and unwelcome surprise.
Product: Debt collection

Navy federal is accountable for damaging my credit score. They have breached their contract and continue to report to the credit reporting agencies. It affects my livelihood as a veteran as I try to purchase a home.

Also, Navy federal needs to remove themselves from my credit report immediately or I will seek legal action. They have also violated my consumer rights as they have no right to communicate with me directly or INDIRECTLY. Including through credit reporting agencies. They do NOT have my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent TransUnion a dispute letter detailing the accounts listed on my consumer report that do not belong to me and requesting any proof the company had on file to give clarity on why items that are not mine are on my account. TransUnion did not even investigate my dispute. TransUnion replied with a response dated for XX/XX/2022 simply said " we applaud your efforts but it does not appear that you sent us this dispute ''. What does that even mean? Not only was this less than 15 days out of the 30 the FCRA provides CRAs to conduct proper investigations but also all of my verification documentation was present and the document contained the last four digits of my social security number. TransUnion blatantly refused to do their job and conduct a proper investigation. The company insinuated in their response that I am not an educated consumer nor have the ability to know my rights. I simply asked the company to do their job and they refused. This is willful negligence and subject to punitive damages. One look at PACER will show that TransUnion has a long history of abusing consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to XXXX explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 reporting or other personal consumer reports

Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX account is wrong and its hurting me from getting a house with my family
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit reports in the XXXX reports there are inquiries from capital one that I never authorized and I called the XXXX agencies indicating what happened and they told me to consult directly with capital one or that it is not in their hands or to make a report, etc.