23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX Amendment of XXXX Complaint XXXX XXXX and her husband XXXX XXXX responded to an advertisement made by Homie Realtors. The Advertisement offer a 50 % broker credit using a Homie real estate agent. XXXX and XXXX XXXX located a home and contacted the Homie real estate agent and signed an offer. XXXX XXXX is an XXXX XXXX XXXX veteran, which would provide him with a waiver of a funding fee, a lower interest rate, and a waiver of PMI. 
After XXXX and XXXX XXXX signed the offer using the Homie realtor, they were informed that they would only get the 50 % broker commission credit if they used the Homie lender as the lender. This we claim is a violation of RESPA on its own. Homie Loans was not able to obtain VA funding, but the XXXX  were able to obtain another broker to provide the VA loan. Homie stood by its position that they would not receive the commission credit if they did not use Homie Loans. 
At this point they were in the position of losing the offer on the house if they did not proceed with the Homie Lender. However, there was an issue on their credit report that had to be resolved so their credit could be re-scored. The Homie Lender informed them that they were working on the rescore but failed to do so. The loan officer that they were working with was replaced and by that time interest rates were up .25 % and they had no time to shop for a new lender. 
Lastly, Homie did give XXXX and XXXX XXXX the {$8000.00} commission credit but changed the lender fees to {$6000.00} thereby reducing the credit by 66 %. Even though these charges were disclosed in the XXXX there was insufficient time to find a new property and new lender and XXXX and XXXX XXXX were stuck with a loan at significantly hire rate and fees. 
The Homie advertisement for the broker credit on commission was deceptive since the advertisement did not state it was contingent on using Homie Loans. Homie Loans is also based upon its own bad practices caused XXXX and XXXX XXXX the benefits of his XXXX veterans benefits. Therefore XXXX and XXXX XXXX are requesting a refund from Homie Loans for the {$4000.00} brokers credit, refund of the {$6000.00} in origination fees that XXXX and XXXX XXXX would have been waived in the VA funding and backdate excess of interest and PMI due to using conventional loan vs VA loan of {$1000.00} per month beginning XXXX.
Product: Student loan

I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for over 6 years ) and been rejected as I recently submitted for an updated count of my qualified payments. The last payments that were certified were from XX/XX/2020 though my employment remains current. The last time my employment was recertified was as a result of a similar complaint I have lodged with the CFPB which calculated only through XX/XX/2020. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the FedLoan Servicing working on behalf of the Dept of Education is inadequate.
Product: Credit reporting or other personal consumer reports

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 
Accounts in collections # 1. XXXXXXXX XXXX XXXX. Original creditor : XXXX XXXX bank. Amount : {$440.00} # 2. XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX. Amount : {$340.00} # 3XXXXXXXX XXXX XXXX Amount : $ : {$1900.00} Accounts closed with balance # 1. XXXX XXXX XXXX. XXXX XXXX is Payoff. Amount : {$75.00} # 2XXXX, XXXX. Amount : {$310.00} # 3.Creditor Information XXXX XXXX XXXXXXXX Amount : {$5900.00}
Product: Debt collection

Wakefields and Associates, XXXX XXXX WERE REMOVED FROM THE CREDIT FILE. On the reinvestigation XXXX XXXX and Wakefield and Associates, and XXXX XXXX XXXX are all Harassing me and my spouse got us put out by the Sherriff Stolen Property, since creditor came, {$36000.00} XXXX truck, Scooter and Damages to door windows, stolen property, on adding it all. {$200000.00} and they were deleted ever XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Advanced Collection Bureau INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/21 Acct # XXXX Re : CEASE and DESIST To Whom It May Concern, I am the original creditor, consumer, and natural person XXXX XXXX XXXX. ADVANCED COLLECTION BUREAU INC has damaged my name and reputation. Your corporation has displayed offensive acts towards me as a consumer and such unauthorized use that didnt serve me any benefit.

You violated my right to privacy 15 USC 1681b. You also violated 15 USC 1692c ( C ) and lastly youre currently in violation of 15 USC 1692e, false representation. 
Pursuant to 15 USC 1692c ( C ), I am notifying you and demanding that you cease all communication with me through all mediums UNLESS your corporation is describing to me the direction of which you intend to send my remedy back to me.

Pursuant to 15 USC 1692c ( C ) 2- I am invoking my specified remedy as the original creditor and federally protected consumer, I am demanding the following : 1. Deletion of this account from all my consumer reports and to stop reporting illegal activity on my files.

2. Refunding my credit in the amount of {$3500.00} as per 15 USC 1635, I have the right of rescission and shall receive all money involved in the form of a check, to the address in this letter. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint requesting the removal of account XXXX OF XXXX - XXXX from my credit report due to multiple inconsistencies and lack of verification by the credit reporting agencies. 

Detailed Description : The account in question is reported inconsistently by XXXX Equifax and XXXX, with the following specific errors : Inconsistencies in credit limits and balances : XXXX reports a high credit of {$1900.00}, while XXXX shows {$0.00} and Equifax {$1800.00}. Both agencies report different credit limit amounts. 

Incomplete Payment History : Equifax does not display any details about this account, which represents a lack of information. 
Current creditor verification : XXXX, Equifax, and XXXX were unable to provide the name or details of the current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure that credit report information is accurate and verifiable. In this case, the agencies have failed to provide complete or verifiable account information, which has caused me undue harm.
Product: Credit card

I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.
Product: Debt collection

On XX/XX/2021, I add two lines an older line I got from XXXX mobile. I bought the cell phones from them when to activate them I called the xfinity mobile the agents keep asking an account number from other company ( XXXX  ) then I didnt buy the cell phones from XXXX  XXXX for this reason the cell phone stay home for many months and Xfinity mobile never sent any laber to send back the cells phone to them. From this time, XXXX keep charging me money even I canceled services from them until complaint them before to The federal consumer. 
I pay for every month {$45.00}, I didnt stay stopping pay for many months. 
I receive from Sequium Asset Solutions LLC a letter to ask me money. 
I request to stop this company to keep calling anytime. 
And XXXX mobile must pay me the penalities because they tried to take money from me unjustly. 
Please help me to resolve this issue I called before for Thank you XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting me to obtain credit. 

I hope this letter finds you well. I am writing to dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked. The account entry in question resulted from identity theft, as I did not authorize the sharing of my non-public information. According to 15 U.S.C. 1681b, regarding the permissive purposes of consumer reports, I never provided written consent for you to report any of this information. Therefore, it is considered fraudulent. 





Thank You
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N
Product: Credit reporting or other personal consumer reports

I want my credit cleared because I was paying to fix it last year and it is legal to report transaction history. XXXX  won't let me cancel my account and I am getting ready to buy a house but it keeps reporting inaccuracies, and it's lowering my score dramatically. A charge which is a certificate of indictment, which means it is income and must be removed. Also Every 30 days they should let me opt out, but they don't. I would like you to please clear off everything reporting incorrectly on my credit because it is effecting my life and lowering my living standards. I appreciate your time for addressing all these concerns. Thank you very much and have a great day.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report an egregious violation of my privacy rights and financial security regarding my student loan account. It has come to my attention that XXXX XXXX or an affiliated party has gained unauthorized access to my student loan information, which I did not consent to. This unauthorized access constitutes a direct violation of several federal laws, including : XXXX. XXXX XXXX XXXX ( XXXX  ) ( XXXX XXXX. XXXX ) Requires financial institutions to safeguard consumer financial information. Unauthorized access to my student loan violates these protections. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX  ) Protects the confidentiality of student records, including financial aid and loan information. 
XXXX. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Prohibits the unauthorized acquisition of consumer financial data. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) ( XXXX XXXX. XXXX ) XXXX  unauthorized access to electronic records, including student loan accounts. 

Details of the Violation : I have never authorized XXXX XXXX or any associated party to access my student loan records. 
The unauthorized access violates my privacy rights and puts my financial security at risk. 
I am concerned about potential misuse of my information and demand an immediate investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransFinancial Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Debt Amount : {$1700.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX Dear Collection Agent, I am writing in response to your communication regarding an alleged debt for services provided by XXXX XXXX XXXX XXXX on XX/XX/XXXX. As permitted by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe. 
1. Debt Validation : Please provide a detailed breakdown of the alleged debt, including any medical charges, fees. or collection costs. I am currently unaware of the total amount due and would appreciate clarification before moving forward. 
2. HIPAA Compliance : Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to protect my private medical records. I do not recall authorizing XXXX XXXX XXXX XXXX to release my medical information to any third party, including your agency. HIPAA allows for the release of limited information, but any further release requires my explicit authorization. 
Please provide : A copy of my signed authorization permitting XXXX XXXX XXXX XXXX to release my medical information to your agency. 
A complete account of the information you received from the provider in connection with this alleged debt. 
3. Cease Reporting : In accordance with the FDCPA, I request that you cease any credit bureau reporting until this debt has been fully validated. Reporting inaccurate or unvalidated debt to the credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), for which I can seek damages. 
4. Documentation Request : To comply with HIPAA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this debt. If your agency is withholding any part of my medical information for HIPAA compliance, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt. 
Please respond to this request by sending all requested information to my address listed above within 30 days of receipt of this certified letter. If you are unable to provide the necessary documentation and validation, I expect the immediate closure of this collection account and the removal of any related reporting from my credit file. 
Thank you for your attention to this matter. I will await your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got my tax federal refund amount of XXXX deposit into my cash app account i went ahead and cashed of the whole XXXX to my XXXX account but the daily limit deposit is XXXX i did not know that so my bank rejected the instant deposit now cash app wont give me my money and the same thing happens to me XXXX weeks ago with XXXX dollars and still havnt gotten my money back they said the instant deposit was completed but i told them it was sent back now noone will answer my calls or take my evidence
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation w
as complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Consumer Loan

My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.
Product: Checking or savings account

On the XXXX of XXXX, a mobile check deposit for XXXX was done w without my knowledge or any alerts when I am signed up for mobile alerts and email. I did not find out that my account was locked or was going to be closed until Friday the XXXX when my paycheck was not in the account. When I called and asked if it had been deposited they repeatedly told me it had been returned to my employer. So when I called the employer and they hadn't received it back I called customer service and the XXXX XXXX department again and was told the same thing this went on for XXXX days on Sunday when I called Citibank they told me that it was there. I have been requesting to speak to a supervisor since the XXXX and all I am told is that there isn't XXXX available or they will call me in XXXX to XXXX hours here it is a week later and I still haven't received a phone call. And I have made at least XXXX more requests. They are telling me I have XXXX XXXX over XXXX miles to the nearest branch or wait XXXX to 60 days for a check. I have no vehicle right now XXXX XXXX XXXX miles. And then today they are telling me that my social security check wasn't deposited when I called social security they said it was processed so I called the bank again and they found the deposit after I told them what the social security department had said. But they are saying that they can't have it sent to my new bank because they already acce [ pted the deposit but why would they accept it if the account is going to be closed this makes no sense to me maybe you can explain it to me I am going to be evicted if I don't get my check from this bank I know that doesn't matter but it does to me.
Product: Checking or savings account

I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck. 

Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Declined by apartment community due to inaccurate credit report and criminal background check. Incorrect information clearly on my credit report and background check.