23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I used XXXX to obtain a fixed rate mortgage from Bank of America. I begin working with XXXX in XXXX XXXX. I signed a contract on a home ( new construction ) in XXXX of XXXX. I received my loan estimate from XXXX on XXXX/XXXX/XXXX ( Copy of email Attached ). I was fully approved and met all of my conditions for my mortgage in XXXX XXXX. I also locked in my rate at XXXX %. I was assigned the loan number # XXXX. I received an email from a XXXX employee on XXXX stating that once the home is complete I will be clear to close ( copy of email attached ). I touched bases with XXXX in XXXX XXXX. He responded on XXXX that I needed to update him when the home was completed to prepare for the closing process ( copy of email attached ). XXXX provided me with a closing date of XXXX on XXXX ( copy of email attached. ) I received an email from another department of XXXX telling me that I had no bank application on file at all ( copy of email attached ). I emailed XXXX on XXXX/XXXX/XXXX to ask him why I did n't have a bank application on file 2 weeks before my scheduled closing ( copy of email attached ). He never responded. I left numerous voicemails, called XXXX main office and never received a response. I took off of work on XXXX/XXXX/XXXX to go to the XXXX office to find out what was going on. I was told by XXXX that there was a " glitch '' in the system and I had to do my entire loan approval process again and there was no way that I would close on XXXX/XXXX/XXXX, my credit has taken a nose dive as an effect. However, in my XXXX webfile, it says that my loan was cancelled out but no one will tell me why ( screen shots of XXXX webfile attached ). Also, no one from XXXX ever picked up the phone to call me or email me to tell me what was going on with my file. No one responded when I inquired. I spoke with several XXXX national directors and no one would tell me what happened to my original loan approval. I cc 'd the CEO XXXX XXXX on several emails and he never chimed in. XXXX national director, XXXX XXXX, told me that he does n't have the time to look into what happened with my file. XXXX also told me on XXXX occasions to let the home go and back out of the contract. I closed on my home on XXXX/XXXX/XXXX. The builder was going to impose a 2 % late fee, but out of generosity to me, they waived it. My ordeal with XXXX and Bank of America was a consumer nightmare. According to XXXX 's reviews, this is typical and unfair to consumers. The lack of customer service and mortgage knowledge is unacceptable. I need to know what happened to my original fully approved loan XXXX # XXXX XXXX and I need a letter written to all XXXX credit bureaus to explain that the additional hard inquiries were no fault of my own. 
During my entire time dealing with XXXX, I never once had access to my loan processor at Bank of America. This process is not fair. When XXXX was mishandling my application, I could not even speak to a representative at Bank of America for assistance. Their process is to refer consumers back to XXXX. I plan on taking as much legal action against XXXX, XXXX individual employees, and Bank of America as I can lawfully do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed transaction was not done by myself. 

It is affecting my credit. 

Delete immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report an account involved in fraud and unauthorized use of my name. The account was involved in fraud and debt that I never used. Nor authorized. The card was never in my possession. 

I filed a police report in regards to the matter back in XX/XX/2012 as the card was stolen when my house was broken into and then my house was flooded. Due to moving and living situations I never had a chance to resolve this matter. 


They can request a copy of Police report - # XXXX
Product: Vehicle loan or lease

This loan is paid in full, I paid the last of the interest of XXXX in XXXX XXXX, which was the amount listed on their web site. I called the loan company for the title and they are giving me no answers on the why they have not released the title. They keep telling me to call back. The loan was under the chapter XXXX in XXXX with a XXXX balance, which was paid in full through the bankruptcy court. ( see attached proof ) Consumer Porfolio servicing has submitted a new claim to my refiled bankruptcy for XXXX when they were paid in full. 
I have asked for a payment ledger, and they have refused. This car is a XXXX XXXX that has been totally paid in full. 
Please have this company provide the payment and balance financial ledger, also investigate this company for fraudulent billing.
Product: Debt collection

This is about the Home Depot charge card issued from Citibank, in which my owed amount went up quickly. I noticed double charges and an unidentified person had requested that a duplicate card be sent to my address. I kept receiving emails indicating someone else was in my account which made it look like it was me. It was not. Additionally, a payment exceeding {$2000.00} was not credited to my account even though I have the receipts in my email. I tried to bring this up with customer service through Citibank 's chat feature and was only told to email the hardship debt resolution center. I called and got put on hold for over four hours causing me to give up and I decided they would contact me when I didn't pay the bill. My credit limit also got reduced significantly enough to lower my credit score excluding me from being accepted to a consolidating loan I was considering. This created a snowball effect and my credit suffered immensely. My charge account was referred to XXXX XXXX  XXXX without notice and I was summoned to court. Before I was summoned to court, XXXX called me and I informed them of the fraudulent actions on my account. They ignored it and took me to court anyway. Because I was representing myself, I never got a hearing and my case was pushed into a default judgment. I never received anything from the court about my case even though I answered the complaint timely. About a month after the default judgment, XXXX sent me a form to fill out about the fraud, they required a convicted person for proof. I filed an identity theft report and affidavit with the FTC and mailed it to them plus the three credit reporting agencies. At this point, I am at a loss because neither the credit agencies, the debt collector, the bank, or the store has taken me seriously. I know I owe some of the debt, but the amount I owe is significantly less than I am being accused of. This is a complaint against Home Depot for the security of their system whether its employees or outside the store, Citibank for not investigating, XXXX for not stopping collection actions until investigated, and the civil court in my district for ignoring my side of the case and not providing me with the answers I needed to defend myself properly, including where and how to file motions.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXXXX, XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report after the equifax breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
Product: Credit reporting or other personal consumer reports

I purchased a home in XX/XX/year> that had a solar system with a balance. I decided to assume the loan from Solar Mosaic. Solar Mosaic required me to fill out an application so they could run my credit. I filled out the application on XX/XX/year> and I received an email stating I was approved to take over the loan. On XX/XX/year> Solar Mosaic called me to tell me they made an error and needed me to fill out another application. They assured me they would not need to run my credit again and even if they did they would remove one of the inquiries. As a result of them running my credit on XX/XX/XXXX and XXXX I now have 2 inquiries.
Product: Mortgage

i was concerned for my taxes this year on my home i called ditech financial whom is my mortgage lender and they had told me that it would be over XXXX dollars for my mortgage if i was to add my taxes so i said no thanks i would pay them out of pocket and now i was to find out that ditech paid my taxes even though i gave them no written or verbal consent to do so,, when i called to ask why my mortgage had exploded to over XXXX dollars this month they told me that they had paid my house taxes for the city of XXXX, ,but i had already paid them out of my pocket for the year which was XXXX dollars,, now im begin told that XXXX had called ditech to get my taxes paid but when i called fannie mae they said they have no record of that nor would they do that because it would be illegal to do so,, so ditech lied to me about my house taxes and why they paid them after i had already paid them out of pocket and lied and used fannie mae as an excuse. my husband and i are on a fixed income him being a veteran from XXXX in XXXX and im a XXXX that just recently had XXXX,, they did this without my consent and now im told ill have to pay XXXX dollars to close the escrow account and get my mortgage back to the XXXX it was every month, my husband and i cant live like this we never asked them to pay our taxes and we can not afford the balloon payments they are asking now and we had a fixed rate before, they did this to a XXXX couple on fixed incomes and our family has owned this home for over three generations over 79 years we have always paid our bills on time and owe no one anything we dont even use credit cards because we are afraid of going over our limits .not to mention that since we had our ditech loan we have only been paying XXXX a month which they divide into XXXX for the principle and XXXX for the finance charges every month,, its not only the worst mortgage we could have ever had but we, my husband and i never asked for it we were sold to ditech from another mortgage company and did not want ditech to ever be involved with our mortgages because of their shady practices in the past. basically my husband and i were pushed into this without us ever being asked, and the worst is they have made changes to our mortgage without ever calling us or sending written consent to do do. my husband and i need help,, we are in XXXX maryand
Product: Mortgage

My son is assuming my mortgage. We submitted the documents over 1 month ago. I have reached out 3 times via phone and email and have been told different stories each time. Now Im being told the process changed during my application period and the servicer does not have access to where the application is or how long it may be before I hear something back. I have no way to phone. I emailed for status on XXXX and not received a response. I spoke to the service today and there is nothing more they can do, it is in the hands of Mr Cooper. This is a time sensitive matter and I need help getting a response.
Product: Checking or savings account

First Citizens Bank was offering a checking bonus of up to {$500.00}. Earn {$500.00} when you open a new XXXX checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days ; Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening ; Open a  new savings account. The bonus should be posted within 120 days of meeting these terms. Detailed terms and conditions is attached here as well. I completed all the conditions on XX/XX/2020. More than 120 days passed, but no bonus was rewarded yet.
Product: Credit reporting or other personal consumer reports

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To the Reviewer or XXXX XXXX, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX NA inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX inquired on the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$200.00}. Please update ASAP.
Product: Credit reporting or other personal consumer reports

Heres a description that outlines your situation clearly : -- - Two employees of XXXX admitted during a recorded phone call that the company does not perform investigations into disputes, which directly violates federal laws under 15 U.S.C. 1681i ( requiring credit reporting agencies to conduct reasonable investigations into disputed information ) and 15 U.S.C. 1681n ( providing for civil liability for willful noncompliance ).

I disputed multiple inaccurate accounts listed on my credit report, requesting verification and validation of their accuracy. However, the accounts were summarily marked as " verified '' without any evidence that XXXX conducted a proper investigation. I received no documentation detailing the steps taken during the investigation, no identification of the individuals or entities involved, and no records supporting the validity of the disputed accounts. This lack of transparency and failure to meet statutory requirements highlights Experians failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ).

Such practices undermine consumer rights and perpetuate inaccuracies in credit reporting, directly impacting my financial reputation and standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate High Balance : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate reporting on my credit report Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Payment Status : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate XXXX. Account Name : XXXXXXXX XXXX  XXXX. 
Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Payment Status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. 

I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Checking or savings account

My name is XXXX XXXX and my bank Chime closed my account on XX/XX/XXXX. I was told there was a hold placed on XX/XX/XXXX. I sent all documents needed and waited patiently. After they closed my account they didn't tell me why or accept my calls everytime I called. They said I had to contact them via email to there support line. I have reached out via email for the last 2 months and only received automated responses. I've had to sell stock and other assets to make ends meet during this closure. They have sent me XXXX dollars that was in my credit builder account but nothing else. I had XXXX $ in my checking and XXXX $ in my savings.i feel robbed
Product: Debt collection

left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message. 

If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.
Product: Mortgage

Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXX CITIZENS XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a dispute response from Transunion. 

It is inaccurate because I paid the child support arrears in XXXX of XXXX and the Court then dismissed the motion that had been filed. Of course, child support continued to accrue an a monthly basis, but after XXXX it was always paid in a timely manner. Therefore the notation that " Date paid : XX/XX/XXXX '' is deceptive. You will note that the rating is " OK '' ongoingly from XX/XX/XXXX through the closing of the account. There is no reason that this should be on my record through XXXX. 

Please note that Transunion 's own dispute response acknowledges that the account status was " OK '' as of XX/XX/XXXX. 

Thanks ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX - XXXX