23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am XXXX yr old single father on XXXX. I have been trying to negotiate my mortgage modification with Wells Fargo Bank for a solid 4 yrs. That being said I have been assigned no less than XXXX " Home Preservation Specialist 's ''. I have never been able to speak directly to any one of them, leading me to believe they are fictitious names. In paperwork correspondence WF gives you your " specialists '' extension number, When you call them you are not even given option to dial ANY extension number. 
The reason for this letter is not only for my own relief, but to highlight what continues to be a practice of toying with troubled homeowners until they have no options but to foreclose. 
Wells Fargo deliberately ignores the efforts of homeowners to make reasonable arrangements, even when they become possible for the homeowner. They need to be stopped. 
Thank You in advance for your shedding light on this serious problem. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying 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 failed 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Debt collection

IQ Data International contacted myself and my son who was on a lease of an apartment we rented together. The debt collector threatened to debit the money from my sons account without authorization and threatened to report the debt to the credit reporting agencies. When I explained the debt had been paid through XXXXXXXX XXXX XXXX that I purchased for the rental property they continued to contact me and my son to collect the debt. I called and requested they send me an email so that I can provide proof of the payment. When I spoke to the rental company I originally had the debt with they confirmed the debt was paid and was not sent to collections. The debt collector refused to provide me with a name of operator, authorization and proof they currently owned the debt. I explained the debt was paid, they were not allowed to contact me anymore yet they continue.
Product: Checking or savings account

This is the second time I have reported this type theft to Bank of America. Someone I think has been using my personal information ( fraudulently obtain ) to either open or obtain personal accounts at Bank to America. I did reported the first incident them back in the summer they told me they would do something about it. But I think nothing was never really done. Two days ago on XX/XX/23, I received another email regarding an " Investment Account '' which is actually called, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called Bank America spoke a customer service representative, she told me they would put another block or alert again just in case something like this arises. I was advised to report this to reportfraudt.ftc.gov. Please advice! or investigate.
Product: Debt collection

the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, XXXX  or Transunion correct the information on my credit report.
Product: Mortgage

To sum this up I have been a victim of Wells Fargo predatory lending and cash out financing as well as opening a home equity account I never asked for. This was 10 years ago, I was not aware of it at the time and they took advantage of my divorce situation and completely disregarded the consent orders. Each and every time I ever spoke to anyone at Wells Fargo they stated things like " you need to leave the home '' or " what makes you think you deserve a better interest rate ''. They have destroyed my finances and have prevented my family from moving forward financially and they have caused much XXXX for my family with no resolve. They have disrespected the consent orders and direction provided by the OCC. They now have supposedly transferred servicing to XXXX XXXX loans and they put it right back on my credit report again. How could they be permitted to sell my mortgage for a third of the value when I have been so damaged? They never attempted to foreclose through all these years, why? Because they know of the wrong doing that would come out and they somehow believe that transferring the mortgage to XXXX will shadow that. I know the local court will be able to see through that, however this should be addressed at a higher level, I am sure there are many families that are suffering through a similar situation. I have been damaged much more than the cost of the original mortgage. 
I would ask that you please look into this so I may get some resolve. I have spent so much money through the years on attorneys and loan Modification Company 's and I just can not keep going on like this.
Product: Credit reporting or other personal consumer reports

As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for XXXX XXXX, Best on XX/XX/XXXX. Don't ever recall talking to them or to SYNCB/ PAYPAL on XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

Thanks
Product: Debt collection

This account is under investigation for identity theft XXXX XXXX has been notified and is in procession of all legal documents. This is the second time I have been victimized by the Moore Law Group.
Product: Money transfer, virtual currency, or money service

Going over my transactions for 2023 and realized that there were fraudulent transactions made in the form of money wire from XXXX, Georgia, USA to XXXX. 

The transactions took place on or around XX/XX/scrub> 2023. I filed a complaint with the financial institute, RIA money transfer.
Product: Checking or savings account

Where to begin.. Once again " fees '' XX/XX/XXXX-XX/XX/XXXX BB & T once again had system issues that not only prevented me from making a deposit at an ATM but caused my on-going direct deposit not to post causing an adverse effect on my auto pay accounts resulting in additional fees. XXXX  bill {$73.00} XXXX   presented with XXXX balance after {$2.00} deposit only to be returned with {$36.00} check fee from BB & T and on XX/XX/XXXX {$30.00} return check fee and disconnected services at {$6.00} per times 3 from XXXX.. Equal {$48.00} plus {$10.00} late fee makes {$58.00} request back.XX/XX/XXXX XXXX  {$100.00} on auto pay only to be returned due to direct deposit not posting and updates by time of presentation and XXXX fee grand total.. {$88.00} in fess due to BB & T system failure.. XX/XX/XXXX dated letter to close account within 10 days was postmark XX/XX/XXXX and rec 'd XX/XX/XXXX certified mail and XX/XX/XXXX locked out of my account including my direct deposit XX/XX/XXXX with pending transaction {$60.00} for XXXX   initiated on XX/XX/XXXX..

XX/XX/XXXX the branch mgr returned me the available balance minus and a written scratch note of pending items ( however these items had already been paid ) except that $ XXXX..On XX/XX/XXXX I was able to retrieve my direct deposit minus the {$60.00} for said pending transaction of {$60.00} and yet today XX/XX/XXXX item not paid with a return fee.. Tell me how? Plus I have two merchant credits.. HELP ME
Product: Checking or savings account

my account was debited {$950.00} with out my permission on XXXX of XXXX by a company called XXXX i call my bank citi bank and told them of this problem and they immediately closed my card and send me a new card in XX/XX/XXXX the bank told me they will do an investigation and get back to me, they gave me what is call a provisional ; credit while they look into the matter .however they send me a letter stating i owe this money i told them i did not give authorization to this company. i told the the company send me an email telling they have refunded the funds back to the card that was on file citi bank told me to fax the a littler of disagreement with the email from XXXX i did that on Wednesday XX/XX/XXXX and im still getting no where with them i need your help
Product: Credit card or prepaid card

Ive had my credit card through discover for nearly 7 years all of a sudden my account has been frozen and is on hold for some odd reason the hold can not be lifted. Call customer service as to why my account is on hold can not get a straight answer. Ive spoken to 3 reps already seem to not be able to have success with anyone from discover Im contacting you for some type of assistance to resolve this please thanks. The card is completely paid off and ready for us but unable to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the XXXX days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Mortgage

Preapprovals for a mortgage require hard inquiries ( vs soft inquiries ) on credit bureaus. The preapproval expires in 120 days giving me 120 days to find a house. If I don't find a home within 120 days, and I want to keep looking, I have to get another preapproval, which means another hard inquiry on my credit. I now have two hard inquiries on my credit within a year. I stopped looking in XX/XX/2022, because I did not find a house I was happy with and I did not want another hard inquiry on my credit. Too many hard inquiries bring down credit scores. 

It is now XX/XX/2022. I want to look at a house I recently found but my Real Estate Agent only works with people who have a preapproval. She wont show me the house without a preapproval and the Agent for the house wont show me the house without my Agent being present. I don't want to go through another preapproval because I am bringing down my credit by doing so. I am not applying for a mortgage yet, just the preapproval for one, why is it a hard inquiry? 

The credit bureaus have made a change due to Covid 19 to temporarily give out free reports once a week, but this problem has not been addressed. I want to buy a house but can not even look without risking bringing down my credit. If a change was made to make the preapprovals soft inquiries, like when credit bureaus allow lenders to do for some credit card offers and car loan offers I get, I wouldn't have to risk my credit just for looking for a house. I was told by XXXX XXXX Supervisor XXXX XXXX id # XXXX ), that the same information is given to Lenders for soft inquiries as hard inquiries, but she did not know why preapprovals for a mortgage had to be a hard inquiry- she said its just the way its done. I asked where that guidance came from and she said it was the XXXX XXXX XXXX, which did not make sense to me so I repeated what she said to me to clarify and she insisted the XXXX  XXXX XXXX. The XXXX  referred me to CFPB. I spoke with XXXX today at CFPB and she agreed that it did not make sense, took a report and advised me to file this complaint. I did on Friday the XXXX and received notice today from CFPB they needed more information. I called them and XXXX there told me it had to do with my needing to file separate complaints against the three major credit bureaus verses one complaint. She withdrew my complaint from Friday and I am refiling today. 

I provide a solution to the problem without full insight, but still a solution. It is my understanding Covid 19 caused the housing shortage, people not wanting to move during a pandemic, interest rates being dropped to help motivate people to borrow and move the economy along. What could the benefit possibly be to negatively impact a potential borrower 's credit with a preapproval for a mortgage? It isn't the mortgage itself that is being applied for but a preapproval for the mortgage just so I can look. I am even using the same company for the preapproval. 

My request is for CFPB to find out who provides the guidance to the credit bureaus and request a change on behalf of all consumers to allow preapprovals for a mortgage to be soft inquiries vs hard inquiries.
Product: Mortgage

I filed an mortgage loan application with Navy Federal Credit Union. I was rate shopping and found a lower rate. Then Navy Federal loan officer XXXX XXXX informed me that I could lock in a rate of 6.125 % and had the option to buy down to 8.5 %. I agreed to that rate and she sent me the paper work to sign, just sign, not fill out. 

I received a paper via email and digitally signed it. The option for the rate lock was preselected for me. My understanding was that it was a float lock that protected the interest rate at 6.125. 

Upon getting ready to close, the loan processor, XXXX XXXX, informed me the rate was now 6.375 % I sent her the paperwork explaining we locked in the rate at 6.125 % She said the rate was never locked in. However, I was not able to lock it in. Firstly, the loan was approved pending documentation. The documents required was to show my husband didn't owe child support, even though the credit report showed he didn't owe anything. 

Navy Federal filled out the option for me and sent the documentation for signature only. Also, since they needed double verification that no money was owed for child support and did not know when closing was, we were unable to lock in the interest rate. So, it is my opinion that Navy Federal manipulated the process in order to allow the interest rate to increase.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the collection account XXXX account that was recently verified as accurate on my credit report. This letter serves as notice that I consider this account to be erroneous and misleading under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation into disputes. Your verification of this collection account is unacceptable as I have not received valid evidence supporting its legitimacy. The original creditor has failed to provide documentation proving that this debt is mine, which constitutes a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Furthermore, I would like to remind you that failure to comply with these laws may result in legal action against TransUnion. Under 15 U.S.C. 1681n, I may seek damages for any willful noncompliance, and under 15 U.S.C. 1681o, I may pursue damages for negligent noncompliance.

I demand that you perform a thorough re-investigation of this account. If you can not provide sufficient evidence to validate this debt, I require that it be removed from my credit report immediately. I also expect a written response detailing the outcome of your investigation within 30 days of receipt of this letter. Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for additional complaint and the Federal Trade Commission ( FTC ) if necessary. I will not hesitate to pursue all available legal remedies to protect my rights.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX social Security XXXX
Product: Credit card

I went to XXXX XXXX XXXX to purchase an electric fence to ensure bears would leave my honey hives alone. 
I never received the product or any confirmations for the order, my card was charged. I submitted a dispute with cashapp and they denied refunding my money twice. I later learned the website is a fraud non of the contact information works on the site and none of the contact forms work either. I shared this with cashapp and they refused to refund my money
Product: Credit reporting

This is a direct dispute with Transunion. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XXXX XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XXXX XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on the XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Transunion has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XXXX XXXX. I 'm not going to keep going back and forth with Transunion, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Product: Checking or savings account

I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to Equifax, XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX