23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I contacted XXXX XXXX XXXX Mortgage Professional at Mr. Cooper mortgage company about a refinance of current mortgage. After figuring my current income and debt and checking my credit he said I was eligible for a refinance loan. He even told me that he would be able to up gross up my social security income if needed. He told me how much my new loan would be and the interest rate for it. He encouraged me to have an appraisal of my property so that I may be able to eliminate or lower my mortgage insurance payment. That same day I e signed documents, sent income statements and agreed to a credit report. 
XX/XX/XXXX he updated my disclosure information and said they were " ready to move forward ''. He said that I would be contacted by the appraisal company to pay {$460.00} and set up an appointment. 
At no time did he lead me to believe that I would not be approved and that I wouldn't need the appraisal. 
He never told me he had XXXX ( XXXX XXXX XXXX ) findings to approve the loan. 
XX/XX/XXXX I received the form to apply for and pay for the appraisal. 
XX/XX/XXXX XXXX XXXX, loan officer contacted me that she would be completing filling out the forms for the application. 
XX/XX/XXXX & XXXX, XXXX I completed all requests to explain credit reports issues such as why I had inquiries due to my looking for a car loan. All other issues were answered. She had the appraisal information. She never led me to believe that I didn't have enough income or debts that would eliminate me from being able to get the new loan. She said that my loan had been " conditionally approved '' XX/XX/XXXX I received a discloser document that I had been turned down for the refinance loan due to insufficient income to debt and requests to the credit bureau It also said I had " excessive obligations ''. I was devastated by this decision. I only have the mortgage, HOA, small car loan and two credit cards. 
I have contacted XXXX XXXX and XXXX XXXX by email and have gotten no response. I am a XXXX year old widow of a XXXX veteran and feel that they took advantage of me by not telling me from the beginning that I would not qualify for the loan and got {$460.00} from me for an appraisal that I did not need.
Product: Mortgage

I will never have a home mortgage with this bunch of crooks ever again. They screwed up my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I pay my mortgage every two weeks and when I paid on XX/XX/XXXX for some odd reason Wells Fargo applied all but {$.00} to principal and {$.00} went to interest. The auto draft occurred mid XX/XX/XXXX and for some odd reason it turned off and didnt draft on XX/XX/XXXX as it should have. I received a call from collections on XX/XX/XXXX wanting to know why I havent paid my mortgage.

It took these financial geniuses from the end of XX/XX/XXXX until the end of XX/XX/XXXX to realize they made a mistake. I was also charged late fees. I once again call XXXX XXXX. In the presidents officelast Thursday and all I hear is that an investigation will be opened. And It will be resolved in 24-48 hours. Guess what? Tuesday XX/XX/XXXX comes around no response.
Product: Credit reporting or other personal consumer reports

My credit report has charges and items on it that I did not incur. Reached out to dispute them but it made matters worse with more negative items. This is really hurting my financial life. Equifax and XXXX
Product: Credit reporting or other personal consumer reports

I have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a XXXX XXXX which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.
Product: Checking or savings account

On XX/XX/2021 ( at XXXX XXXX ), I tried to deposit {$130.00} to my Capital One account. I used a XXXX XXXX XXXX ATM ( ATM # : XXXX at XXXX XXXX XXXX, XXXX TX XXXX ) since there was the option to deposit to my debit card. The ATM counted the money then gave me an error and printed out a receipt that stated " we encountered a problem returning your cash. Please contact your financial institution. '' I called Capital One that day ( XX/XX/XXXX ) and filed a claim. On Wednesday, XX/XX/XXXX I received an email stating that the claim was denied. I called Capital One for more information and was told that XXXX XXXX XXXX was not assisting in the investigation of this issue. I was then told to contact XXXX XXXX XXXX directly. I called XXXX XXXX XXXX and was told that it needed to be Capital One that contacted them to resolve this issue. I called Capital One back and was told that the claim would be escalated and I would hear back from them within 24 hours. I did not hear back from them and called Capital One on XX/XX/XXXX to find out the status of my claim. They again told me that there was nothing they could do and to contact XXXX XXXX XXXX. I spoke to XXXX the supervisor and she told me there was nothing they could do for this claim. I asked if there was a way I could be on the line with them and XXXX XXXX XXXX  to help resolve this. XXXX stated I could conference call XXXX XXXX XXXX while she was on the line. While on hold with XXXX XXXX XXXX, XXXX hung up the other line.
Product: Vehicle loan or lease

In the late spring of 2016, about a month before getting ready to celebrate paying off my car loan, after six years ( last payment was to be made in XXXX of XXXX ) I received a letter from the bank telling me that I owed an additional {$600.00}, a total of a little over $ 900.I was in shock. I wanted to know how this could possibly be. I found out that it was some kind of compounded principal that I owed from putting the loan on hardship deferral a few times which was completely allowed. However, I was never told to expect this and they demanded the money in a month from XXXX or it would go on my credit report. I had just coincidentally got laid off from my eight and a half year job. I fought and fought this to no avail. They would not reduce it either. I told them that if they did not do something and it ended up on my credit report, I would never pay it. They marred my report and as promised, I did not pay it. I could not believe however, that this bank was still holding my title, stubbornly all these years. Finally, I had to get rid of my car which unfortunately broke down. I wasn't sure what I was going to do but in the interim, I was in touch with the Department of Financial Services. I spoke with them at length about this case and they investigated over at least a year. An expert there told me that the bank could not sell this to a collection agency or " write off '' the debt or they would have to give me the title. Of course the bank knew this. As said, I had no choice, in XXXX to get rid of the car as unfortunately, the transmission went. In order to junk this car I needed the title. I settled with them for {$150.00}. I guess that might be considered okay after three years but when I recently looked at one of my credit reports ( I believe XXXX XXXX ) it clearly states that the debt was charged off and " written off. '' It clearly states this and I am pretty sure that it was on there before I settled. So, they did write it off? If that is the case, then they were supposed to release my title and I never should have paid them a dime.
Product: Credit reporting

I have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.
Product: Credit card

Capital OneXXXX credit card promo offer- XXXX  months XXXX % intro for balance transfers ; XXXX  % fee for balance transfers within the first XXXX  months. They are claiming that my " interpretation '' of the offer is incorrect, the balance transfer was only valid for the first day the card was open, however, it specifically said on the application that balance transfers could be made at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send validation of how did you go by verifying the accuracy of these incorrect items on my report and send proof.
Product: Checking or savings account

XX/XX/2022, I opened a checking account at US Bank Branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, In response to a promotion code XXXX which says that if I opened an account and make a direct deposit that would amount to XXXX or more within 2 months of opening the account I would received a bonus of {$500.00} which will be deposited into my new checking account within 60 ; days of direct deposit verification and verification of enrollment in US Bank mobile App. 
I was enrolled at US mobile App the day I opened the account which is XX/XX/2022. My first direct deposit on my new Checking Acct was dated XX/XX/2022. As of XX/XX/2022 I already have a direct deposit totalling {$6700.00} posted in my account. 
XXXX XXXX I called US BANK customer service, representative XXXX attended my call and told me that I won't receive the said bonus until after 5 months. 
Request assistance to make US BANK comply to their promise to give me said bonus within 60 days from from direct deposit verification.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My Full Name Is listed on the attached documents.

There should be no other names listed. Please remove the below name immediately that remains on my credit report : Remove " XXXX '' that's being reported on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in letters to the credit bureaus informing them about the inaccurate negative items on my credit profile. I asked them to send me proof of the inaccuracies and they have yet to do it. It's been well over 30 days and today makes day XXXX. 

For the XXXX account with the account # XXXX, It's reporting positive on XXXX but negative on XXXX. The payment status is unknown on XXXX but is listed as current on XXXX. This is clearly false reporting and according to the FCRA anything that's being reported incorrectly must be deleted at once. Next we have the XXXX credit card, account # XXXX, the XXXX credit card, account # XXXX, and the XXXX XXXX account, account # XXXX reporting late payments. I was never late on any of these accounts. 

I asked the credit bureaus to please supply documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on my accounts and they could not supply this, and to remove the alleged late payments from my report per USC 15 1666B, a creditor may not treat a payment on a credit card as an open ended consumer credit plan! I have yet to get a response from them. 

Finally, for the XXXX XXXX, account # XXXX, the late payment status is blank on XXXX but is stating 90 days late ( XXXX ) on XXXX displaying further evidence of false inaccurate reporting. These inaccuracies on my credit report has caused me a tremendous amount of stress and if these items aren't removed at once I will be forced to file for litigation. I was a victim of the XXXX data breach and other recent breaches and I know my information has been compromised. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the third attempt to correct my name and addresses and birth date see letter enclosed
Product: Credit reporting or other personal consumer reports

Equifax information reporting wrong and XXXX XXXX information reporting wrong and information reporting wrong on my credit profile
Product: Debt collection

Paid off my XXXX XXXX XXXX bill last year in XXXX, but I continue to receive phone calls asking for me to pay off a debt that I do not owe. It has also shown up in a credit report that I requested, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv'e been putting fourth efforts tireless to correct the CRA 'S and the financial institutions errors concerning my account with certain confidentiality and information i consider private, with my written instructions i expressed to block, reverse, or hide all information containing to my Payment history ( Late Payments ) and Utilization ( My Transactions and Experiences ) due to the CRA 'S and financial institutions Willful non-compliance of not honoring my rights to privacy Pursuant to 15 1681 sec 604 sec ( a ) subsection ( 2 ) its a violation due to them dishonoring my written instructions, my rights to have privacy and 15 usc 1666b the creditors is using my identity without my authority to furnish information i expressed and instructed i do not want reporting or shared with any CRA 'S 1026.12 Special Credit Provisions
Product: Credit reporting or other personal consumer reports

Experian is reporting multiple inaccurate information on my report Name : XXXX XXXX is in accurate Remove name ID # XXXX
Product: Credit reporting

The XXXX XXXX XXXX account, is incomplete and then not reporting correctly. 

1 This account, was closed XX/XX/2015. 
2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX, when this is inaccurate 4. The Pay History is incomplete - please Validate this account, and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account, and update the pay history for this account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report under my rights provided by the Fair Credit Reporting Act, Section 609, and request that you investigate and correct any inaccurate or outdated accounts that are reported under my name. 

Upon reviewing my credit report, I have found the following account ( s ) Jefferson Capital Syst that I believe are inaccurate or outdated, and I am requesting that they be corrected or removed : Account Name : [ Jefferson Capital Syst Reason for Dispute : This account does not belong to me and have been on my credit report for far too long. It does not belong to me please remove from credit report I have no idea who it belongs to. This is due to a fraud or identity theft issue. 

As per my rights under the Fair Credit Reporting Act, I respectfully request that you investigate these accounts. If these accounts can not be verified, I request that they be removed from my credit report entirely. 

Please send me written confirmation of the results of your investigation. I would also like to receive an updated copy of my credit report once any necessary corrections have been made. 



Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures :
Product: Credit card

Reviving late fees after 24 hours past due date They will not reverse fees When asked to talk to manager I get hung up on or transferred to someone else only to have to start all over I have requested phone calls from managers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

l exercise my rights as a victim of XXXX XXXX  to use XXXX XXXX Repair Act with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a OTXXXXA XXXX XXXX confirmation letter from the NYS. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.
Product: Debt collection

I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them.

2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature.

3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ).

Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act.

This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.