23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Academy Mortgage caused me and my family a serious series of nightmares, one after next! 
The loan officer submitted my loan application on or around XX/XX/19 and the same week pre-approved my loan based on my income. 1. My employment and 2. Social security payments. 
The loan officer kept hassling me to get this and that back to him for submittal to the underwriter. I thought it weird since they had already had all of my income. 
On XX/XX/19 there was a closing document ( along with other forms ) submitted to title. We then learned there was a new problem that arised regarding my rental history. After THAT was establised and verified, along came another problem. They went BACK to saying my social security income was now in question. So my realtor submitted an extension for XX/XX/19, which the seller 's listing agent at XXXX XXXX signed, and the information was not privy to the seller 's broker at XXXX XXXX. On XX/XX/19 around XXXX my realtor agent texted me saying " THEY DENIED THE LOAN '' The seller 's agents did all that we asked in the contract to satisfy the sale of the home. 
But because there was NO CLOSING, I am now in a legal battle for the return of my {$1800.00} earnest money from the seller 's agent who refuses to release my money claiming BUYER defaulted by not showing up for closing and said even if the loan was denied, they said I am responsible for obtaining financing and said I am in default. This is even though we have a signed THIRD PARTY FINANCE ADDENDUM that clarifies the ability to terminate contract and return earnest money to BUYER if buyer is unable to obtain financing. 
I'm also out {$490.00} for the appraisal. 
If Academy Mortgage had just been truthful from the beginning when they had all the same information from beginning to end, I would have saved thousands of dollars and a lot of labor moving into storages after thinking I would be moving into my new home.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to give the product back to end the lease and they told me no I couldnt and are still harassing me to get the full amount for purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and Experian, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and Experian just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete these pieces of erroneous information. I think you have not validated these accounts in agreement 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, and I'm including it again : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so unbelievable! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond bothered. I have sent my FTC report and my Police Report to them but still nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Debt collection

I came to the XXXX in XXXX and I never live or rent apartment there. I see the account opened in XXXX under another person name
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Product: Debt collection

I used to have XXXX Internet service about XXXX year ago. I cancelled the bad service for a better one. I called and spoke to a representative in order to cancel, once we were done I asked what I should do with the modem to which the representative told me I could either throw it away or return it but the modem was outdated and they no longer needed it. I just put it aside but did not throw it away. I am now being contacted by a debt collector for {$75.00}.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

I called Midland Credit Management to attempt to find a resolution and the advisor was extremely aggressive threatening legal action even after I explained to him my situation. The advisor expressed zero empathy and even declined settlement offer. He boldly stated there are no settlements available and that if we didn't find a resolution on the call today there would be legal proceedings to follow. He didn't care about how the account had come to be. He treated me as if I purposely incurred the debt and not encountered a life event that led to it. I would also like to add that these people are sneaky and will only send you letters claiming to have notified you and make no attempts to contact you by phone for a resolution. They are attempting to cheat the system.
Product: Credit card or prepaid card

I was invited to apply for the Apple Card from Goldman Sachs, I applied for the fifth time & again denied for the same ridiculous reason to many accounts with balances? Im attaching my credit score which is completely different from what they retrieved as well as all of my credit card balances which are time stamped with current XXXX balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with Kia and Kia is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. XXXX needs to send a representative to manually check the records of Kia so that it can be reflected on my credit report that I have a XXXX balance. Kia is lying about this account so XXXX  needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Product: Credit card or prepaid card

I am disputing {$13000.00} of fraudulent charges on my American Express card. I contacted American Express back in XXXX of XXXX and told them the charges were fraudulent. I reported this to the police. I told American Express who used the card without authorization. I got an American Express card because I was told there was fraud protection. The card never left my possession nor did I give out the card. American Express continues to deny my claim and I don't know what else to do. 

I have been dealing with this for months. I even emailed the CEO of American Express. 

They are now reporting me to credit bureaus and my XXXX score has been reduced. I have always had outstanding credit and never had a dispute like this with any credit card company or mortgage lender. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 2022, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$8800.00} ; ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX XXXX tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.
Product: Mortgage

The accounts payable department unapplied my payments ( 6 ) of them. No one can tell me why. The verbiage used was they went poof. I have been struggling to get this resolved since I identified it XX/XX/year>. 

They additionally are showing I am months behind when in reality, they have 11 months of payments from me. 

I keep getting the runaround and am told its a glitch that they are working on. Meanwhile my loan now has a higher principal balance than I financed and it shows I am delinquent on my loan. 

Please help me resolve this.
Product: Checking or savings account

I closed my account with this bank and I had a bill pay they refuse to cancel and the merchant is charging me {$20.00} return check fees because my bank wont cancel it on their end
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my XXXX and Transunion reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge
Product: Debt collection

Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 

Account XXXX : XXXX XXXX XXXX : XXXX Account XXXX : XXXX  XXXX : XXXX Removed as a collection but Shows as closed yet reports a late payment, It is NOT My Account :
Product: Credit reporting or other personal consumer reports

THIS COMPLAINT IS A CONTINUATION OF THE COMPLAINT I ALREADY SUBMITTED BUT CFPB DECIDED TO CLOSE THE CASE WITHOUT HAVING IT RESOLVED!!!!! 
INSTEAD OF TRANSUNION FIXING THE ISSUE OF THEIR SYSTEM NOT EMAILING VERIFICATION CODE THEY INSTEAD CLEARED OUT MY PASSWORD AND CLAIMED BUT NEVER SENT AN EMAIL WITH LINK SO I COULD CREATE NEW PASSWORD! NOW SYSTEM DOESN'T RECOGNIZE USERNAME AND INSTEAD HAS ME ENTER SS # & LAST NAME BUT AFTER I CLICK CONTINUE BUTTON IT ONLY CLEARS THE FIELDS AND WON'T CONTINUE TO NEXT STEPS!!!!
Product: Debt collection

Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.
Product: Credit card or prepaid card

I have recently received an email notification from Discover notifying me that they have decreased my credit line from {$13000.00} to {$500.00} and will close the account within 30 days due to inactivity and recent derogatory information reported by XXXX. Shocked by the information read, I subsequently pull my credit report with XXXX to learned about all the incorrect information reported on me. It appears that my mortgage servicer reported late and missed payments when I have been making prompt payment as agreed during the trial period of a loan modification. Not only did my loan servicer mislead me to agree on a loan modification that further increased my debt, they had also reported negative remarks to the credit bureau to prevent me from getting qualified for a refinance. After making several complaints, the mortgage servicer removed the missed payments but now I have Discover reacting on those false reports which make it very challenging to maintain the clean credit profile that I've worked so hard to maintain and build. I explained the situation to Discover Card but it was all too late as they claim the systematic decision irreversible and advised to apply again. As we all know, applying for new credit and having an old creditor like Discover since 2017 with zero balance suddenly close both have a negative impact to a consumers score. As a consumer that worked hard to maintain a good credit profile and earn a XXXX score isn't very easy, especially during this Pandemic. For Discover to further damage my credit with their account closure was unjustified especially acting on incorrect info. So now I'm a victim of both Discover and mortgage servicer, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.
Product: Debt collection

XXXX is telling me that I owe them {$1200.00} as of XX/XX/year>. When I ended my service with them, I shouldve had a balance and if I did, it shouldve not been {$12000.00}. I returned all of their equipment and it was never told I was going to have a bill after that. I want this resolved and to not be harassed for a debt that I do not owe in this amount.
Product: Money transfer, virtual currency, or money service

On date XX/XX/year> I received a wire, on history payment, is saying XXXX XXXX yes there is a fee of XXXX $ that appear on history payment but still there are some money took from me without me knowing why and because of lack of transparency I am not able to know even who took that money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed on my report, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are fraudulent accounts. Please see the attached, documentation which includes a police report and an Identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Capital One in XXXX, XXXX, XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, Capital One second account XXXX, XXXX, and XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, XXXX XXXX bank in XXXX, and XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason purpose.
Product: Debt collection

I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.
Product: Mortgage

I started working with XXXX XXXX XXXX for a loan modification in XXXX. They approved my modification in XXXX. I made XXXX payment and then was one day late on the XXXX payment so they cancelled my modification. So, I tried again for another modification and they continued to request information over and over again. XXXX XXXX XXXX kept saying to just be patient. You do n't need to make a payment. We are going to help you. And then they eventually in XXXX of XXXX transferred my mortgage to Nationstar. So, I requested a loan modification from Nationstar. In XXXX of this year they started my loan modification processing. They also said they wanted to help me. I sent them information and never heard from them. Finally in XXXX of this year they requested more financial information about my business and insisted that my attorney send them the information. So, I had my attorney send them a XXXX page fax on XXXX/XXXX/XXXX and did not hear from them again until XXXX at which time they requested the contact information for my attorney. I had my attorney fax them that information on XXXX/XXXX/XXXX and have not heard from them again. On XXXX XXXX, XXXX I received a letter from an attorney saying my house was scheduled for auction XXXX/XXXX/XXXX. So, I immediately contacted a Realtor to list my home for short sale to try and avoid foreclosure but, Nationstar now says it is to close to the foreclosure date and they will not consider a short sale. Please help by having them postpone the foreclosure sale and at least allow me time to short sale my home.