23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our closing date was set to XX/XX/2020. Due to reasons described below we closed week later ( XX/XX/2020 ). Lender : BofA. Our credit score at the time of applying and processing up until closing was " Excellent '' so we were hoping for smooth process, not like the process we experienced with the same lender in our 1st mortgage. Even our lending officer assured us that this is going to be quick an easy process since BofA changed internal process to make things easier. 
Due to typos in the closing disclosure and not delivering closing disclosure 3 days prior to closing we ended up signing paperwork in title agent 's office and finding typos all over the documentation. Initial thought was to fix it by hand, initial them and let bank know later to fix this but this was not a doable solution. Typos included wrong SSN and wrong addresses of buyers. Here is a summary of the issues which we experienced during the process : - lack of communication AFTER the deal was sealed from BofA lending officer - delayed closing date which caused side effects on seller 's side - credit report pulled twice ( not within 30 days ) for both buyers ( married couple ) - confusing messages from the bank about credit report not being pulled twice - credit score going down 15 points as a result of 2 hard inquiries - filed dispute with BofA about credit report being pulled twice - no updates about the process - filed complaint within BofA regarding the process - no updates about the process at all - due to delayed closing date our moving had to be rescheduled - quite a lot of people involved in the process - wasted days off which we took from our employers to be able to attend closing day At this point of time I can not reach the manager of our lending officer as internally they do not provide such an information and reaching out to lending officer directly will probably gets us answer in 2 weeks. Even though bank gave us " platinum '' privileges it does not feel like we have any at all.
Product: Debt collection

I have had serious fraudulent issues with Wells Fargo through the years, and it appears that they have arisen again, using another Shadow Company,  Collection Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, to put a {$39000.00} collection on all of my credit reports as of yesterday, XX/XX/XXXX. I just completed paying off over {$32000.00} in a home equity line of credit loan. 

Years ago, I attempted my own small business called XXXX XXXX XXXX XXXX XXXX. I had accounts with Wells Fargo - both personal and business. While living in XXXX XXXX, XXXX, I open a business credit card, but never used it. After moving to XXXX, XXXX in XXXX I opened up a home equity business line of credit. While going to auctions, and places to purchase commercial kitchen equipment at a discount, I was also renting commercial kitchen space until getting my own property to have my commercial kitchen, I took money from the line of credit to pay for much costs at a rate under 7 %. I was doing this on-line. Many months later, I discovered that Wells Fargo was debiting cash outs from my business credit card at huge interest ( over 40 % ) and I would have NEVER done this. So, I immediately went to my personal banker at Wells Fargo to report this. She looked shocked, and went to talk to her manager. She came back and said that nobody could prove that it wasn't me that had made those cash deductions from my business credit card, so my only option was to get a small business loan at around 7 % interest. She directed me to a bank officer ( or manager ) who supposedly specialized in helping small businesses get these loans. He told me that I needed a business plan - so, within months, and with his guidance, I had a business plan to submit along with my small business loan application. Then, a man, who introduced himself as XXXX, said that the previous man would no longer be working with me, and I was an embarrassment to him - he was not kind, and was harassing. 
I should have gotten a lawyer at that point, but was confounded. With the ballooned out interest rate, the bank was claiming that I owed an outrageous amount of money ( over {$100000.00} ), and I had already gone through all of my retirement money ( over {$80000.00} ), over {$150000.00} from my own and personal help in making monthly payments. Finally, I got a lawyer who told me that Wells Fargo was very crooked and they have underhandedly ruined many people 's finances ( including mine ). 

So, he helped me in many ways. He also told me that Wells Fargo would sell this loan money to " Shadow Companies '' - and it appears that this Collection Agency from XXXX XXXX is just that. 

I thought it against the law for this supposed " loan collection '' to be passed around beyond four years. Please inform me on how to get this collection that went away from the credit bureau reports for at least a couple of years now, and just yesterday, XX/XX/XXXX, this collection agency is stating {$39000.00} as a balance owed.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts are : XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF XXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX has violated my rights. 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

American Express has charged off an account I had with them and sold my information to a debt collection company ; both have been harassing me about the debt and giving out different amounts owed. American Express continues to report the account inaccurately which is harming and damaging my reputation. What American Express is doing is wrong and illegal ; who do I owe and how much do I actually owe? American Express is allowing and giving the CRA wrong information to report and this is causing a great deal of stress and preventing me from accessing a home for my family and business opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the start I feel like they took advantage of me I told them I was n't a good reader they would have to explain it to me I did that so they can tell me face to face they never mentioned anything about 25 % interest being added to my {$12000.00} loan once I found out how much they said I owe on my credit report I immediately went up there and ask them to come and get it within two weeks of having the furniture
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an collection account with XXXX XXXX XXXX. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my Equifax account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
Product: Debt collection

many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for Santander and I told him I had never had an account with Santander and do not have an account with Santander and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.
Product: Money transfer, virtual currency, or money service

There was no disclosure for zelle money transfer app and erroneously sent money by accident to the wrong person. I lost my money.
Product: Debt collection

Around XXXX XXXX, XXXX XXXX XXXX bought a debt account from Celtic Bank and without any proof, they decided to insert this same account on my credit report with the same account number as Celtic Bank . Without any real proof of verification or validation of this debt, XXXX allowed XXXX XXXX to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with XXXX XXXX XXXX so how can you insert this account on my credit report ( sounds like this is identity theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( BARCLAYS BANK DELAWARE ) company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and score. 15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed identity theft claim reference number ( XXXX ) remove this negative item off my credit please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Product: Mortgage

I make an advance payment and they apply it to principal. then i have to call or chat to fix it. there are two separate boxes, one for payment, one for additional principal. I am making a payment.
Product: Payday loan, title loan, or personal loan

2013 online loan was made and paid. Then next loan was made and payment withdrawn early from my bank account. I contacted the comptroller who wrote a letter stating that the contractual agreement was broken by XXXX  and had the funds returned to my bank account. The letter was presented to my bank. My bank suggested closing the account after multiple attempts were made by XXXX to collect. XXXX continues to try to collect this payment and late fees and bars me from any of their establishments and affiliates. 

On today, I was given this collection letter with this address Ad XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX N. XXXX XXXX, XXXX, Kansas XXXX. They also operate under XXXX XXXX XXXX, XXXX, Kansas XXXX. This address was given to me by the XXXX XXXX XXXX.
Product: Debt collection

I attempted to put {$100.00} on a gift card as part of a birthday present on XX/XX/XXXX, on XX/XX/XXXX it appeared on my account. For some reason it showed as the transaction as returned and I got a letter from TRS demanding payment. I completed the form disputing the notice. TRS sent me a letter demanding the payment stating that it was deposited to the account, but still demanding payment. I now have diminished funds due to the stay at home order, and have asked that it be dismissed, yet they are still harassing me, for funds that were deposited into an account they are trying to collect on
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

The problem is that the mortgage officer keeps asking for more information. They were not up front about what information they needed. Finally, they asked for a quit claim deed. My attorney stated that he thought that they did not know what they were doing. Time after time after time they kept asking for more documents. I refused to submit a quit claim deed. I want a approval and a closing date or return of the appraisal fee they robbed me of. I want to know who else has had problems with this company. 

And rates have gone up since I applied for this loan and locked in at the rate.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have made a purchase in XXXX store with store card issued by Comenity Bank. My due date is the XXXX of each month. Credit card cut of time is XXXX EST. I made a payment on the XXXX after XXXX. Obviously I was charged late fee plus interest. Next month statement indicated late fee and interest. I paid it and again I missed cut of time. I am being charged again late fee plus interest for 2nd time. My purchase balance was paid fully from the first time. But I am still being charged late fee on the late fee.Is this even legal? Thank you. XXXX XXXX
Product: Debt collection

I have contacted the company many times and they do not have any account in my name. I also went to t mobile since I have never had service with this company. They can not provide me with information either since there is nothing in my name, so yes, t mobie or southwest credit system has information about that how the collection company reports my credit without any information, I just need them to remove that from my credit and for my rights to be respected. XXXX said that u dont have any information of me, how do you explain the report that I have from us. The telephone number that is give doesnt work and the email address either.
Product: Credit card or prepaid card

I called Wells Fargo Card Services to report my card stolen in early XXXX with two separate charges of {$280.00} from XXXX pharmacy, and another charge for XXXX both of which were not me that made the charges, and both of which were not authorized. 
When calling and reporting these two charges that I did not authorize, they informed me that there is nothing else that I need to do to protect myself against these unauthorized fraudulent charges. 
Fast forward to XX/XX/XXXX, they re-added the fraudulent charges back onto my account, and they stated that it was because I had a similar claim previously on my account, when Ive had the unfortunate occurrence of getting my card stolen TWICE off of a busy construction site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this late off my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof that I myself is the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit card or prepaid card

After a frustrating phone call with a Macy 's customer service representative, I am submitting this complaint as precursor to a legal resolution against Macy 's credit card services. On XXXX XXXX, I requested a reduction in my Macy 's credit card interest rate which is currently at 30.99 %. The request was due to my call to XXXX XXXX as a XXXX XXXX XXXXe solider. The debt and high interest rate is negatively impacting my ability to do my job as leader in the XXXX XXXX. 

I have federal legal protections under the service member 's civil relief act ( SCRA ) that require lenders to lower the interest rate of a service member 's debt they aquired prior to their XXXX XXXX period. My request for an interest rate reduction under XXXX was denied by Macy 's. Further, Macy 's does not have an option to submit a request for SCRA protection as most lender do. They require customers to speak to foreign service representatives that may pose a fiancial security risk to actively serving members of the armed forces and who make simple transactions difficult due to their poor understanding and use of XXXX. 

I have limited time to handle finacial matters because of my XXXX XXXX status and would like this matter to be ajudicated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Ive discovered accounts on my credit report that I never authorized and believe to be fraudulent. Please delete them without delay.
Product: Debt collection

I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. 
XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lost  XXXX  of my  XXXX  form mail in this year. Right now, I received  XXXX  debit card fr om netspend.com, which is I never heard before. I called and asked them where do they get my info, they to ld me this from third party company and rejected to tell me which company. I told them to cancel this account right the way.