23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to on several different occasions to try to get the lender to review my short sale offer. I had all documents to the lender within a weeks time. Which would have given them over 30 days to review the offer, and they came back and stated that they did not have enough time to review the file for short sale. That is ridiculous. I feel that the lender is pushing me into a foreclosure situation, they definitely are not giving me any other alternative to foreclosure. 
I am at my wits end and do not know what to do. I now understand why people contemplate doing harm to themselves, as this situation has caused me to become emotionally distant and in a constant state of apprehension. I need help with this ordeal, as I feel like I am falling down the rabbit hole. Please HELP!!!!!
Product: Credit card or prepaid card

I applied for a Barclays Bank World Arrival credit card over 6 months ago. 

Barclay 's said that my application was pending approval until they received some additional information from me. 

I sent in the additional information as soon as they requested it and they still have not approved my application.
Product: Credit reporting or other personal consumer reports

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer.

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer.

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer.

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer.

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account.

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus pointing out these issues and they have refused to do any work despite me providing all necessary personal information proving its me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Reports : XXXX XXXX - Date Last Active XX/XX/XXXX, which makes it past the Statute of Limitations. 

*This account was purchased from another company. The opened date is Inaccurate and is reported wong as XX/XX/XXXX, when the last active date was XX/XX/XXXX and way past the Statute of Limitations. The creditor XXXX XXXX is practicing unlawful collection practices and trying to re-age the alleged debt. 

*I Disputed this account in XX/XX/XXXX and they re-aged the account that is Past the Statute of Limitations and made XX/XX/XXXX as the Reported Date to make it appear as a new item. 

All of these Violations are against the Fair Credit Reporting Act. 

I have been turned down for a Mortgage because of Equifax and their unlawful Reporting Practices.
Product: Debt collection

{$460.00} owed. This is a medical debt. New law states that this shall not be reported ; however 3 attempts to get this company to stop reporting it have been unsuccessful.
Product: Checking or savings account

In XXXX, I received two checks that were both issued to me as a scamXXXX XXXX XXXX XXXX XXXX XXXX and I accepted the first check ( ~ {$1200.00} ) for my services and when it bounced, I was given another check ( {$980.00} ) to cover the cost and it never went though. My accounts were both closed. Then my IRS check for {$6900.00} came through and Citibank deducted {$1200.00} and {$980.00} from that check and sent me the difference. The problem is that I never spent the {$980.00} because it never went through. I have been trying to get my money for this second check for 2 months. This is money from my own tax refund that belongs to me and Citibank will not give me an answer as to when I will get it or why it is taking so long. I was told up to 45 days, and it has exceeded that time frame.
Product: Debt collection

I sent a letter to the debt collection company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX On the date XX/XX/2018 to validate this debt as they are trying to collect is not mine. I contacted the original creditor for verification and they responded they did not have an account for me. 
I'm including all the letters and responses in this complaint. 
They are reporting invalid information on my credit report per FDCPA and by law it must be removed. 

Original Creditor Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Received response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/XXXX, I called TransUnion to verify that I had successfully added a freeze to my credit with them through their automated system, as no confirmation was provided. I was alerted by a different credit monitoring service that my social security number had been found on the dark web multiple times. TransUnion had also suspended my online account so I couldn't confirm if the freeze was in place. The agents I spoke to, after lengthy wait times and bloated explanations, weren't able to complete basic tasks such as restoring access to my own account or verifying information. I'm still unsure if they actually placed a credit freeze on my reports/records. I will be extremely displeased if I am a victim of fraud and identity theft because TransUnion was unable to perform some of the basic functions of a credit agency.
Product: Checking or savings account

On XX/XX/year> I noticed my account was locked and called Credit Karma to find out why, when I called they informed me that my account was being closed and would not provide me with a reason why. They then said that Credit Karma would send me an email with an explanation as to why in XXXX business days. Credit Karma on XX/XX/year> then sent me an email stating Dear XXXX, We thank you for selecting Credit Karma Money, powered by XXXX XXXX, Member FDIC ; however, we regret to inform you that we are unable to serve your financial needs at this time. 

Your Spend and/or Save account will be closed, and if your accounts have a balance when we close them, we will return the funds to you, via ACH Transfer to your linked bank account or by mailing you a check, within the next seven to ten ( 7-10 ) business days. 

If you have filed any transaction dispute ( XXXX ), you will be receiving the final determination letter ( s ) separately, in compliance with law. Your closing balance, if any, will include your final credited amount ( s ).

To allow for closure, your Spend and/or Save account, as well as your debit card have been locked. Any automatic recurring deposits have been removed and no further withdrawal requests will be honored. 

Based on this closure, we request the following : Please destroy any debit card ( XXXX ), physical and virtual, associated with the account ( XXXX ). 
Please stop scheduling payments or transfers or conducting any ATM or debit card transactions. 
Please cancel any direct deposits, external automatic or recurring transactions, or any other type of electronic transactions you may have set up for this account ( s ).

Any transactions that are presented to your account ( s ) after it closes will not post and will be denied or returned. This includes deposits, electronic credits or debits, transfers, ATM withdrawal requests, and PIN or XXXX debit card transactions. 

If you return, chargeback, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Credit Karma Money Rewards, we reserve the right to offset any related Credit Karma Money XXXX amount from your Credit Karma Money Spend Account balance or withhold future Credit Karma Money XXXX to cover any such amount. 

If you are unable to log into Credit Karma ; your entire Credit Karma relationship may have been closed. This includes your Money ( Spend and/or Save ) accounts, XXXX XXXX account XXXX as well as your free credit report access. If you need access to your Money Spend and/or Save statements, or related tax forms, please contact member support There was still no explanation as to why so I then called Credit Karma on XX/XX/year> in hopes I could get an explanation as to why and recorded the phone call. After being hung up on several times when calling in finally got ahold of someone and was told I dont have any legal right to know why my account was closed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Equifax has done nothing please help me delete these illegal accounts from my credit reports. 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: Mortgage

I am 77 years of age. My wife passed away in  XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ).   I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi  cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me.
Although the Court hearing awarding me the proper  ty was held on  XXXX   XXXX ,  XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until  XXXX   XXXX ,  XXXX . When I  obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for  XXXX   XXXX ,  XXXX .     During my dealing  with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd  XXXX   XXXX   XXXX . to try to get relief before my house is sold on  XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.
Product: Student loan

I made payments to Mohela on a loan that has been forgiven under the PSLF program. I previously made a complaint about not receiving a refund for payments made after the loan had been forgiven. Mohela answered the CFPB complaint by refunding part of the payments made during that timeframe, but withheld {$750.00} of that refund because I had initiated a new Department of Education loan in XXXX of XXXX. It seems that they deduced that any payments that I made from XX/XX/XXXX through XXXX would go towards the new loan, even though nothing was due on that loan and the payments were made to the Department of Education, not Mohela. In addition, there is no record of them applying these payments to my current loans. Under the CARES Act, all student loan payments made from XXXX through XX/XX/XXXX are eligible for refund. I notified Mohelia several times over the phone that " Due to CARES Act student loans legislation, Id like my student loan payments refund from XX/XX/XXXX through XX/XX/XXXX. '' This totals {$750.00}. They have failed to respond to three attempts to collect this refund. I've attached a receipt that demonstrates the 5 payments made for {$150.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that
Product: Mortgage

My mortgage company ( Ocwen Loan Servicing ) claims to be reporting my mortgage payments to XXXX XXXX, but XXXX XXXX states they have no record of my account. I have disputed this with XXXX XXXX and have been informed that there is nothing they can do because Ocwen is not reporting my account information to them. Ocwen has sent me a letter stating they are reporting me to XXXX credit bureas, including XXXX XXXX, although XXXX XXXX states they have no record of my account number. I have forwarded this letter to XXXX XXXX and they still insist there is nothing they can do because Ocwen is not reporting me regardless of what Ocwen 's letter states. My wife and I have spent hours going back and forth between Ocwen and XXXX XXXX and are getting nowhere. As a result, our XXXX XXXX report shows no record of mortgage payments causing us a great deal of difficulty with our credit.
Product: Vehicle loan or lease

On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.
Product: Checking or savings account

On XX/XX/2024 a fraudulent check was cashed on my business bank account checking account at Chase Bank. My spouse saw this fraudulent check go through and notified them on XX/XX/2024. I filled out and submitted their " Unauthorized signature or forged item declaration '' paperwork, took it into the branch on XX/XX/2024to the chase branch at XXXX XXXX XXXX XXXX XXXX XXXX. They said we needed to file a police report, which we did on XX/XX/2024 and got the report XX/XX/2024, took it to the branch on XX/XX/2024. Chase said they couldn't help us without a police report. 

As of XX/XX/2024, I've now been given the run around by Chase Fraud department on 3-4 different occasions. They tell us they have everything XX/XX/2024 at the branch when XXXX XXXX from the Chase branch called in. At that time I was told it would take 3-5 business days to resolve. We spoke to the fraud department on XX/XX/2024, they said it would be resolved XX/XX/2024. 

Today I called and the fraud department is now claiming they can't do anything because they still have not received the police report. We are still out {$7200.00} because Chase cashed a check against our account that was fraudulent and is refusing to do anything to help us get the funds back. I'm tired of hearing one excuse after another.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, Transunion and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions EXPERIAN refuses to investigate or state methods of investigation to ensure accurate information is being reported. Experian will prefer for all consumers to take legal action rather than reporting correct information. 


CFPB it appear your organization also is allowing these credit agencies to ignore your policies when it comes to protecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX  that AES ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per AES 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, AES, reports they show ZERO late entries and have no idea why XXXX  report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.