23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The XX/XX/20 " Loan Estimate '', " Closing Cost Details '' lists two items : Funding Fee {$250.00} and Underwriting Fee {$1000.00}. 

The XX/XX/20 " Closing Cost Details '' has a new entry : XXXX of Loan Amount ( Points ) {$980.00}. 
When asked about this charge, the broker ( XXXX XXXX ) replied on XX/XX/20, " The {$980.00} charge is being added due to the current market conditions. " I responded on XX/XX/20, " Adding XXXX unilaterally and without informing me, ie, leaving it up to me to spot it, is called bait & switch. Sleazy. " Broker responded XX/XX/20, " I am not being sleazy. The fee that got added from my investor was actually 0.50 % of the loan amount and computed to {$1600.00}. I only added {$980.00} and took a hit for {$640.00}. '' I responded on XX/XX/20, " If your investor added 50 bps as a condition of approving the loan than that information MUST be conveyed to me for my acceptance or rejection. 

If your investor added 50 bps because of the new law mandating that cost, theyve applied incorrectly to me since their loan commitment to me PREDATES the law change so the 50 bps does not apply. Someone is being sleazy, dont you think?? '' Broker responded XX/XX/20, " We should have updated payoff later today. Once we have it we will email the final CD for review. '' but I did not receive the updated payof. 

On XX/XX/20, I asked broker again to withdraw my loan application, per my first request to withdraw on XX/XX/20.
Product: Student loan

I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.
Product: Debt collection

They must have a case of mistaken identity. I am a Silver Member of XXXX XXXX 
XXXX XXXX # XXXX XXXX ( current tier through XX/XX/XXXX ) XXXX points to date as of XX/XX/XXXX My account is clear and free and I have spent {$1000.00} 's. in rentals. 

Feel free to call the manager at your XXXX XXXX location to verify any of this comunication at XXXX. 

Thanks, XXXX
Product: Checking or savings account

On or about XX/XX/2020 I apply for a loan online. The loan company approved loan application and said they needed my online banking access to verify my account. The amount of {$2000.00} was deposited into my account. After the deposit the loan company called me and said I was approved for {$4000.00} and to show that I have an active account I would need to return the {$2000.00} via XXXX XXXX or gift cards. This made me feel uncomfortable and I didnt trust this process. 
I withdrew the money and sent it back using gift cards because the representative would not give the information to use XXXX XXXX. 
They said if I did not send the money back the would lock my account. 
2 days later I received a new Debit card from Bank of America : which said my account may have been used in fraudulent activity. This made me feel better. 
On XX/XX/XXXX, I received 2 emails from Bank of America stating that my claim was denied and that {$2000.00} will be debited from my account on XX/XX/XXXX. 
I went into the bank to find out what was going on. The Representative that assisted me said that the loan company used my online banking access to file a claim, which caused Bank of America to deposit {$2000.00} on my account. That transaction makes it appear as if the loan company made the deposit. The representative at the bank said it was a scam and that I will have to pay back the {$2000.00} to Bank of America.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX ; last XXXX of Social- XXXX, XXXX XXXX XXXXXX/XX/year>. Please delete the following accounts. 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: Checking or savings account

Deposited a check for $ XXXX XX/XX/23 that cleared and showed cleared in my Wells Fargo checking account. Then without notice of any kind Wells Fargo pulled it all out of my account leaving me with no money and no solution. I called the customer service number and tried speaking with management but got no help. I spoke with XXXX XXXX and he had no explanation or help whatsoever. Now, I have bills coming out of my account with no money. They said it will be 10 days waiting for my money! Please help me and my family. Thank you.
Product: Credit reporting or other personal consumer reports

I requested Experian on two occasion, and they will no longer allow me to dispute again to verify and provide documentation of the bankruptcy. They responded by stating that the account was valid, which is incorrect. I obtained a letter from the court confirming that they do not report this information. I attached this letter to my dispute with Experian, yet they still upheld the inaccurate reporting.
Product: Debt collection

1. Credit collection service. XXXX XXXX XXXX XXXX MA. XXXX. This company for which it states is XXXX XXXX from XX/XX/XXXX. I never had that company back then I had XXXX XXXX. Tried to reach this company many times to no avail. Disputed item with credit bureaus at least 4 times but it still on my credit report. I want this off my credit report as it is hurting my score. With covid-19 going on these companies hurt you instead of helping. Please help by getting this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$520.00} which is detrimental to my credit status, inaccurate and untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/21 I noticed charges on my Citi Rewards Card in the amounts of {$660.00} and {$160.00} ( and some others that I can't see now because they don't show on my online statement ). For some reason, Citi has deleted the original account from my few so when I go to to my account online I can't see them and am therefore unable to provide data on the other charges. These charges all posted from hotels in XXXX, GA.I live in XXXX XXXX and have never booked at these hotels, stayed at these hotels, thought of staying at these hotels, and haven't traveled in a year and half due to Covid. I called Citi immediately about these fraudulent charges as soon as they showed up on my account and they said they would take these charges off my card. The originally gave me a credit of {$250.00} which seems like a random amount. This amount has since been charged back to my account. I asked them to close the account and issue a new card. The new card arrived ( # XXXX XXXX XXXX XXXX ) and these charges continued to show. I called numerous ( numerous!! ) times and kept getting the run around. They then said they'd close the replacement card ending in XXXX and sent me a new card ( # XXXX XXXX XXXX XXXX ). I was then advised during one of my calls to them that they contacted the hotel and came to the conclusion that these were definitely my charges and they then put them back on my card. They kept referring to a letter that they sent me which I never received. When I finally found the letter online ( buried in their website without an alert even though it had a deadline ), it had a copy of the hotel 's receipt which showed the person who used my card was " XXXX XXXX ''. I am XXXX XXXX, I have no children and no relatives by this name. My husband 's name is XXXX XXXX. I have called repeatedly since my account NOW shows that I owe a total of {$910.00} and they refuse to let me speak to anyone helpful in the fraud department. They keep saying they'll take my information and investigate further and I'll receive another letter from them. I am at my wits end. The person I spoke with today actually asked me if I had filed a Police Report. My card was never stolen, was never out of my possession, and I never claimed it was stolen. Why would I file a Police Report? Please help. I want to close this account and never do business with Citi again but I can't do that until this gets resolved. My fear is that they will allow additional charges to be charged to my credit card and hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} OXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Money transfers

The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services
Product: Mortgage

I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX. 

At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference. 

In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %. 

Can you confirm if this is accurate? I feel as if we are being strung along.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One keep saying that Im late on Payment.but I dont Have And Capital One Credit Card Please help ..
Product: Debt collection

A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX, Equifax and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me a dispute report # XXXX XX/XX/2021 by electronic email to review dispute results from a previous dispute that was closed on XX/XX/2021. I could not access the dispute results after typing the required information as required by Experian. I received an error letter which said that Experian could not process my dispute and to mail in the letter and request the dispute results via mail and I did. Experian then electronically sent the dispute results via electronic email for a second time on XX/XX/2021 and I received the same error message with the letter to request dispute results via physical mail. ( I have included a screenshot of the error message/letter request for dispute results by mail ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX LA XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Account Number : XXXX 7. XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX
Product: Credit reporting

EQUIFAX HAD REMOVED THE XXXX WEB BANK BECAUSE I HAD SENT IN PROOF THAT THIS ITEM WAS TO BE REMOVED ONE I PAID IT. BUT THEY TOOK IT OFF THEN PUT IT BACK ON
Product: Credit reporting or other personal consumer reports

I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX  kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX, XXXX has XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over XXXX times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE DIFFERENT ADDRESSES, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX XXXX in the last 2 years. Experian wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!
Product: Debt collection

On XX/XX/XXXX The debt collector filed a garnishment against me for {$3200.00} without deducting the {$2100.00} that he had previously received On XXXX XXXX from XXXX XXXX XXXXXXXX. The lawfirm also received money from XXXX payroll from my previous employer in which I will provide soon.. According to FDCPA this is clearly a violation because they must not misrepresent the amount you owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to the U.S. in XX/XX/XXXX with an XXXX visa. Recently, I tried to access my annual credit report. I have access to XXXX  and XXXX  credit reports. Equifax requested to send proof of my identity. After sending all necessary documents and calls to Equifax support, they finally told me they do not have any record associated with my SSN, so I should start building up my credit. I am already doing that. I have 3 credit cards and an auto loan.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX my student loan was forgiven due to my XXXX years in XXXX XXXX and my participation in the XXXX XXXX XXXX XXXX XXXX XXXX See attached letter. 

On XX/XX/XXXX I noticed in my XXXX and XXXX XXXX reports that MOHELA is reporting a change in my MOHELA account from XXXX balance to an increased balance of {$89000.00}. This is grossly incorrect. I have written and called MOHELA Student Loan Servicing to request that they correct this error. I am now asking for your help in getting MOHELA to correct this error and report the correct information to the XXXX XXXX  credit bureaus. 

Thank you.
Product: Debt collection

For a lease expiring on XX/XX/XXXX, I provided a notice to vacate and not renew my lease on XX/XX/XXXX. The apartment ( XXXX XXXX XXXX XXXX, AZ ) responded the next day by saying : " Thank you for letting me know. It looks like your lease is up XX/XX/XXXX, I will put the notice in for you and you should be all good. '' They are now claiming I did not give them a notice in time and have sent me to collections with Columbia Debt Recovery/Genysis for an amount of {$2400.00}, who has placed the collections account on my credit report. I have spoken with them about the misunderstanding and asked them to remove the debt however they do not comply. 

I have offered to forward them the email as proof but they still did not listen. It is my hope that the CFPB will protect this consumer from the debt company and have them remove the debt from my credit report. I have attached the email here and can also directly forward it to anybody who would like to see it.