23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for Mortgage with Premia relocation mortgage in XX/XX/2022 Loan officer promised a rate under 4 percent but though out the process of application came up with one reason or the other to increase rate charge more points. including advising that I w qualified for loan and then changing qualification status and requiring second lender. 

Lender was reckless with our file and jeopardized the home purchase contract almost costing us our earnest money by delaying processing and changing qualification requirements even up to the week of closing. 

Lender waited to the last minute ( week of closing - couple days before closing ) to change qualification for loan and demanded an additional {$50000.00} in deposit for the loan. 

Lender unreasonably asked for documents that were not necessary including some that were already submitted. e.g lender asked for document showing approval for leave time and when provided lender accused me of falsifying document and demanded letter rom my manager for the same approval. Which was already provided Lender disclosed information about our loan to third party without our consent lender intentionally ignored attempt to communicate with them in the middle of the application process. did not return calls or emails or voicemails left. 

Multiple instances of providing documents asked for and then lender would change requirements and ask for a whole new set of documents. 

Lender changed terms of the loan multiple times even the last week of closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these hard and soft inquiry from my report never gave companies written permission to pull my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XX/XX/XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.
Product: Debt collection

My credit report lists accounts that appear to be added without my consentplease remove and block them right away.
Product: Credit reporting or other personal consumer reports

I have diligently contacted your organization multiple times to dispute the fraudulent items on my credit report. These items are not a true representation of my financial history and have caused significant harm to my credit score, making it difficult to obtain loans, secure favorable interest rates, and meet my financial goals. 

I have attached the following supporting documentation for your review : Copies of all correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence proving the fraudulent nature of the items, such as police reports, affidavits, or other relevant documentation. 
Any documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I am formally requesting an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency on XXXX XXXX XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit card or prepaid card

I signed up for AutoPay with Synchrony Bank Sam 's Club. It made a successful autopayment on XX/XX/XXXX. 

Then the system ( with no interaction from me ) un-enrolled me from autopay. When this happened a payment was missed. 

I contacted customer service who had no explanation XXXX XX/XX/XXXX XXXX. Despite having a confirmation e-mail in my enrollment in autopay and I was no longer enrolled. The customer service rep explained it may take several billing cycles to " kick in ''. This does not make since because AutoPay had already " kicked in '' and paid for the previous month. 

They agreed to refund a " late fee '' ( charged XX/XX/XXXX XXXX of {$6.00}. 

There was an interest charge of {$4.00} XXXX charged XX/XX/XXXX ) they will not refund. 

I also paid in full my balance of {$640.00} on XX/XX/XXXX. 

While I am only complaining about a charge of {$4.00}, the principle of being charged this interest due to their flawed system not processing my autopay is downright stealing due to their computer system not continuing my autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is saying " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off
Product: Student loan

I believe I am currently eligible for Public Service Loan Forgiveness ( PSLF ) under the limited waiver. I have submitted multiple ECF forms and PSLF applications, including in XXXX, XXXX, and XX/XX/XXXX. I am trying to understand what my current payment count is. I consolidated my federal direct loans in XX/XX/XXXX and my account was transferred from XXXX  to MOHELA. Since that time, MOHELA has failed to give me payment count that includes any of my work from XXXX XXXX. I have been employed continuously by either the state or federal government in qualifying loan forgiveness programs since XXXX ( which both XXXX AND MOHELA have confirmed ) and yet I have NO payment count and NO estimated forgiveness date. 

Can I please have someone who knows what they are doing call me and tell me : What is my current payment count, from XXXX to the present? This should not be hard. I have worked for either the state or federal government my entire legal career and submitted my ECF forms dutifully at least annually. Please do the bare minimum and get MOHELA to process my payment information from either the Department of Ed or XXXX. I believe I am currently eligible for forgiveness and they are deliberately delaying processing my forms so as to avoid having to give me the PSLF forgiveness I am eligible for under the waiver. It's been so long and the delays and excuses are exhausting. Please get MOHELA to do their job.
Product: Credit reporting or other personal consumer reports

guaranteed service of a loan of credit card an denied an put on credit report
Product: Checking or savings account

To Whom It May Concern : I am writing regarding a Certificate of Deposit ( CD ) account that matured and came due for renewal. Upon opening the CD, I was informed by the account representative at the branch that I would receive both an email notification and a phone call from the branch when my CD matured. The representative further explained that by applying for online statements, I would also receive a renewal notification, and I followed the necessary steps. 

Unfortunately, when my CD matured, I did not receive any email or phone call notification. I checked my junk mail and found no correspondence. When I raised this issue with my local branch manager, I was told that email notifications were sent, but there was no proof provided. 

The new interest rate that my CD rolled over into was significantly lower than the new term rates the bank was offering at the time. When I attempted to open a new CD at the higher rate, I was informed that there would be a {$50.00} penalty, in addition to the loss of interest. The only reason I sought to open a new CD was because I was not notified, as promised, and was losing money with the lower interest rate. 

After speaking with multiple representatives at Citizens Bank, I was left without a choice but to close my CD, despite my request for the XXXX penalty to be waived due to the lack of notification. My request was escalated, but no resolution was offered. 

I find it deeply concerning that, as a consumer, I was penalized in this manner due to the banks failure to fulfill its commitment to notify me about the CD maturity. At a minimum, I request that the XXXX penalty be refunded, as I believe this situation was handled in an unfair and unethical manner. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as I am concerned that other customers may be experiencing similar issues. 

Thank you for your attention to this matter. I hope that someone at a higher level can assist me in resolving this issue. 

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

FHA Short sale with Wells Fargo - Submitted to Wells Fargo on XXXX XXXX. On XXXX XXXX the file was declined by Wells Fargo due to seller 's financials. On XXXX XXXX contacted by Wells Fargo that they have reopened the short sale due to seller submitting his 2015 income taxes showing he does have a financial hardship. All documents were submitted to Wells Fargo processor in the time that he requested. During XXXX XXXX to XXXX the processor requested the same documents 4 times and still stated the same documents were needed. I have all emails from processor requesting docs and showing the docs that were submitted. On XXXX we were informed that the file has been removed again from short sale review due to the requested documents not being received. UNACCEPTABLE ALL DOCS WERE RECEIVED AND ALSO SUBMITTED TO THE EXECUTIVE OFFICE TO SUBMIT TO THE PROCESSOR AS REQUESTED. This is now the XXXX complaint with CFPB. There is a sheriff sale date scheduled for XXXX and Wells Fargo declined the file and has not submitted a request to have the sheriff sale date postponed. Someone either the CFPB or Wells Fargo needs to act responsibly and have this resolved. Wells Fargo has concomitant staff working their short sale files. This has now harmed are seller drastically as we were advised by Wells Fargo that the short sale file will need to be resubmitted again. Wells Fargo Executive office is not following through on their end either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by XXXX  data breach and may have gotten into the wrong person hands. I used this link below. 
XXXX  Breach Inquiry Link XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX  XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX  informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.
Product: Debt collection

In XX/XX/XXXX I was diagnosed with XXXX XXXX and prescribed a XXXX machine. Doctor directed me to XXXX XXXX and XXXX XXXX who fit me with a CPAP machine and supplies. At that time, I had XXXX XXXX through my employer, but three months later in XX/XX/XXXX, my employer changed insurance companies to XXXX. Under XXXX guidelines, I would own the machine after 10 monthly payments. XXXX paid two months of payments before I was enrolled with XXXX. Under XXXX guidelines, however, I would own the XXXX machine after only SIX monthly payments, and the two payments made by XXXX would be counted towards those six months if XXXX requested what is called a " transition ''. XXXX did NOT request a transition, but instead billed me directly. I paid XXXX 's third party billing company, XXXX, {$190.00} on XX/XX/XXXX representing two months CPAP rental, and XXXX {$220.00} on XX/XX/XXXX for two months CPAP rental and CPAP supplies. With those payments AND the two payments XXXX already paid, my full six months should have been paid off the XXXX machine had XXXX requested a transition. Not my fault that they did not. 

I have tried to resolve my balance with XXXX since XXXX of XXXX. When phone calls didn't work, I escalated the matter to a manager via e-mail but he eventually stopped responding. I received multiple collection calls and each time I told them to stop. I eventually got the name and address for the Agent for Service of Process for XXXX on the XXXX  Secretary of State website and sent him a letter disputing the debt -- again with absolutely NO RESPONSE. NOW, I just received a bill from a DEBT COLLECTOR for three months of rental at {$68.00} a month for a total of {$200.00}. I called the debt collector today and once again disputed the debt, but I don't believe that will stop this madness.
Product: Credit card or prepaid card

Bank of America offers an XXXX XXXX credit card, advertising a {$200.00} statement credit and 30K miles when approved if spending 2K within first 90 days of account opening. They offer this card when booking travel on the XXXX XXXX website and indicate it may be used on your purchase. I was booking travel for {$1100.00} on XX/XX/XXXX, which would get me half way to the spending requirement for the promotion so I applied for a card. My credit score is XXXX. I received an immediate alert of a " hard inquiry '' on my credit report and was docked two points for the inquiry. However, my application was not approved -- I received " needs more time to review. '' When I contacted BOA XX/XX/XXXX, I was told applications take on average 7-10 days to process. 
I believe this is a deceptive business practice aimed at getting people to apply for their credit card for the promotion, but then make it difficult for you to be able to take advantage of it. I could understand if I had a low credit score, but with XXXX, which you knew immediately upon me submitting my application, that doesn't square up. 
I formally withdrew my application and will not do future business with BOA but I felt this needed to be reported.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B it's illegal to report information on my credit report without my permission please remove these hard inquires from my credit, now! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a refinance with Citizens bank on XX/XX/XXXX. XXXX, XXXX XXXX was my agent who I worked with. I refinanced because I needed money for an Hvac system. 
We worked on a loan that would help me get the money I needed. The loan was supposed to return my original escrow balance to me. The new escrow would be added to the loan amount. XXXX put in the loan that the old escrow was not to be rolled over into the new loan. 
I went through the entire process under the assumption the money was coming my way. On XX/XX/XXXX I received my final disclosure statement. Everything looked ok to me. The numbers were a bit lower but I was told that was because the initial estimate was high and that I didn't have to pay for appraisal and a few other things. The closing agent ( XXXX XXXX ) came to my house a few days later to sign all papers. 
I asked when signing if I was going to get the money from original escrow. I was told yes, anything in my old escrow would come to me. We went through the signing the paperwork packet. Nowhere in the packet did it say anything about the escrow being rolled into the new loan.

Two weeks go by and I still don't have the old escrow money. I reached out to XXXX on XX/XX/XXXX and he replied that it rolled into the new loan and I wasn't going to get it. I was shocked, the whole point of the loan was to get the money. We went back and forth with emails amounting to him telling me there was nothing that they could do. He then offered me to open a line of credit. I found this shady as to why I would possible open another loan when they got the first one wrong. 
During our exchange he sent me an email with an attached fax that showed the money was to be rolled over into the new account. The fax was dated XX/XX/XXXX. It was the first time I had seen the document. It was not faxed to me because I do not have a fax number. It was not emailed to me or I would have nixed the loan. It was not in my closing packet at the time I signed or again I would have nixed the loan. And finally it was not in the packet that was given to me after closing. 
Also XXXX told me that the loan was already sold to another company which I found hard to believe. As it turns out it was sold to to XXXX XXXX but not until XX/XX/XXXX, over a month after what he told me. 
I feel like this was deliberately done to get me to open a second loan with Citizens bank. On top of it they should have made it right instead of telling me your out of luck. 

I have attached to final disclosure, the fax and page I never received that would have stopped the loan, and the pre closing document. I have the emails if you need them. 
Thank you for your time,
Product: Debt collection

Company failed to provide proof of validation for alleged debt after several written request to validate. Also, the opening date and amount is reporting inaccurately. Under the law if a company is not able to verify the debt It should be deleted.