23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep receiving notices about this so called loan i am not aware of, they told me they will keep calling my employer XXXX XXXX in XXXX on XXXX XXXX and have been doing so for years, maybe this is the reason why XXXX XXXX fired me, I am being harrassed and discriminated i have a XXXX i am asking consumer financial protection agency to make a tittle 2 acccommodation since the XXXX XXXX XXXX for XXXX XXXX failed to do the titlle 2 accommodation with the ada and XXXX   XXXX refused to accommodate my XXXX because they said they do not know what plain english is when requesting a accommodation these are human resource individuals who have worked for the company for 22 years XXXX XXXX the worst place to work in XXXX on XXXX XXXX, i was harrassed every day i worked there and hr failed to do anything but i need a job to feed myyself please help me
Product: Mortgage

My assumption process started way back in XXXX on the XXXX, XXXX. I am still waiting! I have made numerous calls and emails to company regarding this. I submitted all they asked for twice by email and once by fax. I received a letter dated XXXX XXXX saying they were denying my application for the following reason, Credit application incomplete they sent me a refund check for XXXX and said processing fee they were keeping of XXXX . I have NOT cashed check. Spoke to XXXX XX/XX/XXXX who said the processor could not give a straight answer as to why it was denied and would send to underwriting and would have them contact me. Called AGAIN XX/XX/XXXX Per XXXX it is on a first come first served basis! Called AGAIN XX/XX/XXXX Per XXXX should have had a status update by XXXX but the loan dept not open that day. Called AGAIN XX/XX/XXXX XXXX said to send her all the documents again that I sent over and she will personally handle it. CRICKETS!!!!! XX/XX/XXXX CALLED AGAIN Spoke to XXXX who said he will take hold of it and contact underwriting and corporate office. XXXX XXXX!!!! 
I am out XXXX $ FOR THIS???? I need to assume this mortgage for divorce reasons. I have been paying this mortgage for 2 years on my own already!! 
I NEED ANSWERS
Product: Credit reporting

I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.
Product: Debt collection

I contacted the 3 credit bureaus and Ally financial to advise them that Ally financial has made 2 updates to my credit file for the same account, I advised them that the updates are in correct and I don't have any current accounts with ally, the account was paid in full per the 1st update, when I received a status from the 3 bureau within 5 days saying they investigated and the company updated the account ALLY then deleted the update that showed the account was paid in full and added another account with a charge off status 2 times for the same account with the same account number same purchase date. I asked them to remove the incorrect data and they have refused and the credit bureau didnt investigate at all they took the word of the creditor who they allowed to report the same account 2 times on my credit file. you we will see that Ally is miss representing the account with incorrect information and adding it 2 times to my file which is illegal and has violated my rights. how does it go from paid off to 2 negative updates, the ones as early as XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notified MoneyLion Inc of my right to opt out of them reporting non public personal information to any third party affiliate per 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a dramatic lowering of my credit score by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my Chapter  XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX . All of these factors caused my score to lower significantly.     According t o 15 USC 1681s-2 ( a ) ( 1 )  ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has diminished any attempt to move forward to restore my creditworthiness.
Product: Mortgage

On XX/XX/2020 @ approximately XXXX I spoke with NFCU Loan Specialist, XXXX , and applied for a VA IRRRL . XXXX gave me rate of 2.875 % with 1/4 % drop down reduction if interest rates dropped with zero points and zero origination fees. 
XXXX said a loan officer would be assigned within 24-48 hours, and that I would, per Maryland Law, receive the loan estimate within 72 hours. 
After 48 hours passed and no Loan Officer assigned, I called and spoke with XXXX, who said NFCU was working on the paperwork and loan officer and loan estimate would be completed by Friday morning ( XX/XX/2020 ). 
Friday morning nothing had changed, so I called NFCU again and I spoke to XXXX who claimed that they were too busy and that " Maryland law didn't apply because they were so busy ''. I then requested to speak to a Manager and I spoke to XXXX, who said he was aware of the Maryland 72 hour law requirement and claimed the issue was because NFCU had to manually process my application but couldn't give *any* explanation for why. He then said he hoped they would have the loan estimate to me by Friday afternoon. 
It did not arrive. 
I've sent multiple emails to the email address for NFCU mortgage. They have punted and have offered no solution. 
Today, Monday, XX/XX/2020, I called again. I first spoke to XXXX, who said she was going to note my concern including my having spoken to the Maryland AGs office, who I am also going to file a complaint with as well as the XXXX, and then transferred me to her Manager, XXXX, who essentially repeated what XXXX, XXXX, XXXX, and XXXX said. 
NO ONE at NFCU seems to have any idea what they are going. 

It appears NFCU is engaged in a a bait and switch tactics to get Veterans to apply for IRRRLs, offer a rate but let the 72 hours loan estimate requirement pass so they can then claim the rate is no longer an option. 
My last two calls with NFCU of them acknowledging the rate I was offered is recorded, both by me and them. 
I am cc : ing the Maryland Attorney General 's Office of Consumer Protection and the XXXX  XXXX  XXXX. 

NFCU was/is required my State of Maryland Law to provide me with a loan estimate with the rates and terms I was offered ... 2.875 % with 1/4 % drop down reduction if rates dropped with zero points and zero origination fees. They must honor those terms and provide loan estimate and process my IRRRL Loan accordingly. 

I do not have credit issues. My scores are in upper 700s-low 800s. I  uploaded all required documents within minutes of after hanging up with XXXX to ensure everything was submitted before Loan Officer was assigned. NFCUs unwillingness to address the issue/provide the loan estimate and it now being nearly 7 days since I applied for the loan and no explanation of any kind of why they haven't provided the loan estimate is why I believe they are engaged in bait and switch tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, Experian and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.
Product: Credit reporting 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. 


Account Name : XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023 I applied for a payday loan with Explore Credit. This loan was to be used to cover bills for the next two weeks. Immediately after applying, I was approved for the loan ( image 1 attached ), I signed the agreement, and Explore Credit stated the money ( {$600.00} ) would be available in my account within two to three business days. I was able to log into my account, and even view the balance, and also the payment dates and amounts for the loan. Upon receiving an email this morning however, I was shocked to see that after I had been approved, signed the agreement, and been able to access my account, I was all of a sudden denied due to these reasons : -Unable to verify identity -Unable to verify bank account -Unable to verify employment -Insufficient income for credit amount requested They also included what appears to be a statement out of the equal credit opportunity act which states various reasons as to why they can not deny me. It boggles me however, that even after I was approved and signed the agreement I was still denied, when one signs an agreement with another they are under the impression that both have agreed to the stated terms in the agreement, in this case, to provide me with a {$600.00} loan. The point of a credit application, and also submitting documents before hand is to make sure you are approved for the loan, which I clearly was, they were clearly able to verify all of the above noted items in question if I was able to log into my account, see the amount that is loaned to me along with the installments, and to top it off the fact that they approved me for the loan. I have submitted exhibits below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER
Product: Money transfer, virtual currency, or money service

I am writing to bring to your attention a series of fraudulent transactions that have occurred involving my account. My name is XXXX XXXX, and I have fallen victim to a deceitful scheme which has resulted in Fraudulent transfers to accounts held at Wells Fargo. Below are the details of the suspicious transactions : 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, as a XXXX XXXX XXXX, has a duty to ensure the security of its transactions and protect customers from fraud. I request that Wells Fargo investigate these transactions urgently and refund the amounts transferred. Enclosed are copies of my bank statements highlighting these unauthorized transactions. The fraudulent company, XXXX XXXX XXXX  and used my trust, leading to these Fraudulent transactions. I believed the company was legitimate, but it turned out to be a scam, leaving me without anything. It is distressing to discover that Wells Fargo has account holders who are scammers
Product: Credit card or prepaid card

Our balance with PNC bank is of two parts. Part one had a no interest grace period to XX/XX/XXXX. Part two has a grace period to XX/XX/XXXX. We were assured the entirety of future payments would be applied against the first balance, less accrued interest. Last month was our first payment where interest was incurred. Instead of applying the entire payment, less interest, to the balance subject to interest PNC applied a significant portion to the balance that is not yet subject to interest, thereby violating what we were told.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}
Product: Credit card or prepaid card

My Bank of America XX/XX/XXXX/XX/XX/XXXX credit card statement contained an unknown charge of {$99.00} from " XXXX XXXX XXXX '' dated XX/XX/2018 with a telephone number XXXX ( NJ ), I had never dealt with that entity. I called the listed number and the person answering refused to identify the entity called, I was told that the entity did not sell merchandise or services but, rather, represented other unidentified firms in collecting charges on credit cards -- ie either a competitor or collaborator of Bank of America. I certainly did not authorize XXXX XXXX XXXX ( or, indeed any one else ) to use my Bank of America credit card. This was plainly a fraudulent transaction. 
To prevent further fraudulent uses of my card, I asked the Bank to cancel the card used by XXXX XXXX XXXX and issue a new card with a new number. The Bank reluctantly honored my request. 
Bank of America advertises its " {$0.00} Liability Guarantee '' in selling its credit card program. " The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your account ''. Notwithstanding several conversations with the Bank 's fraud unit over a period of a number of months, the bank refuses to acknowledge its responsibility under its " {$0.00} Liability Guarantee ''. Rather, it insists that I purchased something from its competitor/collaberator, XXXX XXXX XXXX -- something that XXXX XXXX XXXX denies. 
The Bank today has turned its bogus claim over to credit collection agencies causing irreparable damage to my credit for which I have a claim for {$40000.00}. This will only escalate if the Bank persists. The Bank tries to insulate itself by refusing to allow me to talk to its legal department and by not answering, in a timely manner, calls to its " customer care '' department. It will not allow its employees to discuss anything to do with dispute resolution or to return telephone calls that have been disconnected. 
I demand that the Bank honor its advertised {$0.00} Liability Guarantee, that it repair my credit rating and, that it pay me {$40000.00} for damage to my credit and improper credit card cancellation, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 
Please investigate this : INQUIRY - XXXX- I believe I did not sign any paper authorizing this inquiry. Delete it I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of me? 
As I stated, I have already given your company quite enough time to investigate the items inquestion, but I am willing to give you one more chance. If I do not receive results of yourinvestigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late on XXXX and XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account XXXX XXXX that begins or ends with XXXX
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with XXXX, XXXX and TransUnion. As of this date this information has not been updated.