23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Under Review/Approve to Move to Processor/Appraisal Fee/Closing on the Mortgage and now Mortgage Loan DENIED Verbally from XXXX XXXX my Husband and I call her on XXXX, then she said XXXX suppose of had call me XXXX that same day we told her nobody had contact me by phone or email of this. The next day at work XXXX XXXX verbally told me and I said XXXX told us yesterday and she said did she call us and I said no we called XXXX and XXXX said we should receive a letter something in the mail. No proof of identity requested from Navy Federal to make sure it was the right XXXX and XXXX XXXX. We felt some things was common sense things like asking us about things from our taxes and they could have compare it with our credit report asking if I own a property locate in XXXX XXXX because the name was similar. The property was XXXX XXXX XXXX. We believe the Navy Mortgage Loan Officer and Processors was n't that knowledge in the requirements and procedures of there jobs : Address the above issues, I am attaching an email from Navy Federal Credit Union about any further documents request, in XXXX of these email XXXX XXXX Your file was approved for transfer to processing and she will be taking over the file preparing it for closing this was XXXX/XXXX/XXXX and XXXX should be contacting us, etc. We paid for the appraisal {$470.00}, our understanding from emails we was approve and this is the final processes to close on the XXXX Mortgage. They request more information that we know was sent or we give permission for Navy Fed. Credit Union to request for XXXX our XXXX tax transcripts from IRS, employment verification, etc. we think they was asking some personal things which they had the answers to. From our experience from financing house in the past, when it under review that mean its with the underwriter to finalize and is approve after that, which XXXX did tell us in XXXX of these emails. XXXX Fed. Credit request money for the appraisal why did they take our money if was n't approve and we would like back. We keep asking we make closing, XXXX finally response back and said the recommend XXXX XXXX but nobody never told or email us about extending the closing date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I that was the case we need to put that in writing, so that the Attorney office would know. Navy let the Attorney office know we was DENIED the loan and we still do n't have nothing in writing stating that. Since we be misled by Navy Federal Credit Union we would like all our money back we paid appraisal fee, closing costs and any other fees we put out thinking we was approve to get the home loan to have a place to stay. We believe this was retaliation because we did a compliant with you all cfpb and this is why we was Denied verbally. XXXX told us the loan was denied because of XXXX XXXX gap in employment for XXXX and we sent proof explaining what happen, we sent the email from my Security Officer and his job offer letter telling them what his job status was and Navy verified his employment and then still ask us for more information about his gap. we still had enough income to cover all our expense and we still have good credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. Upon reviewing my credit report, I found the following information to be inaccurate : - Account witXXXX XXXX XXXX XXXX Account Number : XXXX Tranunion and XXXX are violating 15 usc 1681n for negligence and non compliance. XXXX updated and corrected the error and Transunion and XXXX have not. 

According to 15 U.S.C. 1681n, any person or entity that willfully fails to comply with the FCRA is liable to the consumer for damages. I believe this inaccurate information has been included on my credit report either due to negligence or willful non-compliance, and I demand its immediate correction. 

I request that you investigate this matter, correct the disputed information, and correct it on my credit report. Additionally, I request that you provide me with a written statement confirming the changes to this inaccurate information and an updated copy of my credit report. 

Enclosed, please find copies of documents supporting my claim. These documents include highlighted inaccuracies. 
Please consider this a formal dispute and take appropriate action within the time frame required by law. Failure to correct this information promptly will leave me no choice but to seek all legal remedies available to me under 15 U.S.C. 1681n, including potential litigation.

Thank you for your prompt attention to this matter. I expect to receive a response from you within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money through zelle. It was a scam. Called multiple agencies and XXXX said it was not able tondo anything about refunding my money that I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THis concerns all Credit Reporting agency and companys that send info, most state that this will not efect you credit that a lie if you look at my report everyone has files a request and my score has gone to XXXX  anyone should be able to make inquires without paying a price the credit companys are out of control and you as gov neeed to do something about it iworked for the XXXX for 37 years as aXXXX XXXXand as a XXXX XXXX  also spent 37 years working for the XXXX and XXXX I do havepeople in Wash that I CAN contact but after looking thru items its your job to correct items I would exspect feed back as to what actions you intend to take, I thank you.
Product: Credit reporting or other personal consumer reports

They didn't tell me where I can return items. I thought it was lease and you can turn items.
Product: Debt collection

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt. 
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears Experian is retaliating towards my account due to ongoing account credit disputes with my credit file. The vast majority of information being reported is incomplete, missing vital account information such as full payment history, account numbers, correct account balances, and debts incorrect balances, all 3 bureaus are reporting different information and I demand this agency get involved to resolve this once and for all! 

Experian and all banks refusing to cooperate are continuing to penalize my credit account by removing accounts that have been paid/settled satisfactory and displaying only accounts as owed monies that have been previously charged off/ written off. If the account is charged off with {$0.00} balance why are all the bureaus still reporting the accounts and owed balances if the company charged off the debt or sold the debt? 

I demand all banks to send updated statements as of today proving accounts were sold, charged off/ written off, or closed and include original contract promissory note signed by me proving debt was paid per law. I demand every bank reporting on the credit bureau to comply immediately. 

I also demand banks all include updated payment voucher to discharge debts once and for all. 

I do not consent to have the credit bureaus report negative inaccurate information on my credit or to the public or on private internal communications within the companies about my account, Experian is intentionally inflicting pain and suffering by not removing negative reports and further lowering my credit report so that I can not qualify for credit and they reported my credit as a high risk to creditors. 

I am preparing to sue all 3 bureaus and its executives in federal court now given the circumstances. This is intentional infliction of harm and has caused severe financial hardship and trauma and I will hold the executives accountable for all the harm caused to date! 

I have tried peacefully resolving these problems for many years now and its become obvious that the banks and bureaus do not work for consumers best interests which is an act of bad faith and federal law violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : 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 a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/2019 Assetcare LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to request an investigation of the following information that Assetcare LLC is reporting to the credit agency on my behalf. 
I am writing to challenge the reporting and compliance on two accounts with Assetcare LLC which is reporting missing information/incorrect information. More specifically I am referencing the fact that you are reporting. 

Dispute # 1 Date Open : XX/XX/2019 Amount Reporting : {$61.00} Dispute # 2 Date open : XX/XX/2019 Amount reporting : {$180.00} Disputed Reason : This account with your company is in question, please send me last billing statement, medical release paperwork that shows I gave permission to release my medical report that show you didn't not validate my hipa rules. please correct the missing/incorrect information date of last activities. your improper procedures are highly damaging to my credit score. please immediately delete this item
Product: Mortgage

I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 Experian XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with Experian as well as poke to them on the phone where they acknowledged the error but have never corrected it.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Affirm Inc. regarding their unlawful and unauthorized reporting of derogatory information on my credit report. The specific accounts in question are : Account # XXXX - {$1100.00} Account # XXXX - {$160.00} Account # XXXX - {$810.00} I have never authorized or signed any legal contracts or applications with Affirm Inc., nor have I provided them with any other form of identification that would allow them to report such information. Furthermore, they have failed to provide any documentation, including a wet signed application, to support their claims or actions. This raises serious concerns about the legitimacy of their reporting. This is not a credit transaction involving a third-party debt agency, and no permissible purpose under the Fair Credit Reporting Act ( FCRA ) has been established that would justify Affirm Inc.s access to or reporting of my information. As a result, their actions have harmed my credit standing without my consent or authorization. I request that the CFPB investigate this matter and take appropriate action to ensure that Affirm Inc. removes this derogatory information from my credit report. I also request proof of my identity used in this process, as I have never granted them authority to access or report on any information related to me. In addition to filing this complaint, I intend to pursue further action by filing complaints with other federal and state agencies.
Product: Credit reporting or other personal consumer reports

In the forthcoming XXXX  days, I am scheduled to receive an updated credit report, and I am earnestly looking forward to the prospect of having all these fraudulent items, both in this current complaint and the one dated XX/XX/XXXX, expeditiously removed. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items from the file of a consumer that are identified as information resulting from an alleged identity theft, not later than four business days after the date of receipt. It is also explicitly stated in Section 605b that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX. Please find these specified items once again outlined below for removal : XXXXEXPERIAN 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: Debt collection

ERC ( XXXX XXXX XXXXXXXX ) sent a debt collection notice for XXXX for XXXX XXXX XXXXXXXX. I wrote and said it was not mine and requested documentation relating to the account and debt. It was not sent. I received a fraud packet requiring I submit a police report which I can not possibly do without info on the account. I also provided proof of residency during the time the account was opened. I live in IL and the account was opened in PA. I wrote them and explained this. They won't respond and keep threatening to report this on my credit. I am a XXXX and this seems very shady and harassing. XXXX also has dubious fraud prevention measures. Finally, I froze my credit last year so not sure how this happened at all!
Product: Checking or savings account

I received a statement from Chase basically displaying they have a check in my name for my remaining balance. I never got my remaining funds. I asked Chase to send it out to me and they are giving me no good reason as to why they can't send it to me. Just that they don't want to send it. Chase has been holding onto my funds for XXXX  years now. Do not bank here. They are thieves!
Product: Credit card or prepaid card

After trying to reach a company I made a purchase to in the amount of {$1100.00}, and since they didn't respond to me in over a month, I decided to dispute the charge. Capital One asked me for all the documentation and I submitted everything they asked me for over and over again. I also called Capital One almost every day to ask them if there's anything else they needed from me. If there was I gave it to them. They found I was right in my dispute the first time and removed the charge from my card. However, because the supposedly company in question ( they company in question went bankrupt and sold to an outside party while I was waiting the 11 months for me chair therefore couldn't be the same company ) sent them a paper saying the product was delivered they charged it back to me. Of course it was, I never disputed that. The issue was it was incorrect. Built wrong. This chair is as the website describes supposed to be XXXX. However, it's XXXX. I gave Capital One all the pictures, measurements, paperwork, receipts, text messages where I tried to get them to call me asap, etc. I gave them everything they asked me for not once, but twice since they charged it back to my card and made me jump through hoops again and resubmit all my documents again for the second time. Which I did and also called them every day to see if there was anything else they needed. I was assured they had everything. Then I get a letter on XX/XX/2023 saying I had not given them everything they asked for. Therefore I called to see what was happening. They actually told me I needed a second opinion. They wanted me, a XXXX yr old woman who'd had 2 XXXX XXXX with XXXX to rent a truck, hire a mover, load the chair up, take it to a manufacture and let them measure it, write Capital One a letter on their letterhead saying it's built incorrectly. That is beyond ludicris. I gave them pictures of the measurements, I have supplied documents of what the measurements where supposed to be, I gave them everything to show this chair is incorrect. I am Capital One 's customer and they should be looking out for my best interest, not the people who are trying to take advantage of me by making me pay for something they know is wrong and won't return my calls or text or contact me whatsoever. I've submitted over 30 documents to prove my case and they make it out like I'm some kind of criminal because I refuse to pay for something that's not what I ordered. I've never in my life disputed anything and I see why people don't. These credit card companies make the customer out to be the villain and take the side of the person who's doing wrong. 
My case number with Capital One is XXXX
Product: Checking or savings account

my account was cleared after a year but yet they held {$500.00} in my account for a year while i could not access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay today - Financial data systems falsified another complaint response by tagging it a duplicate complaint. I filed a complaint regarding them sending me a threatening letter coercing me to stop disputing ( see attached ) okay so again, this has happened multiple times over the past 8 weeks - Financial Data systems is providing falsified responses to the CFPB in a cover up attempt and not having to respond to the complaint which is a serious violation that they have not responded to at all this far. More proof- the complaint number today that Financial Data Systems responded with a duplicate tag is XXXX and they claimed that that complaint number is a duplicate of XXXX which when you actually look at that complaint it is an entirely different complaint and totally different subject matter! I have copies of it all Im attaching it all here. Again this is not a duplicate- this complaint may have been submitted several times and thats only because the complaint has never been answered to by Financial data systems because they keep concealing it through deception. I have proof of them with this pattern of behavior and happening often.
Product: Debt collection

I have a debt of {$740.00} for medical debts with the health department of XXXX in the city of XXXX, New York, which is being collected by an agency known as the Simon Agency, with which I have already made a payment arrangement. {$61.00} per month, but I have never received a check of the payments and it has only been reflected in my credit report once, which worries me because I am committed to pay without any problem
Product: Credit reporting

Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?
Product: Money transfer, virtual currency, or money service

I have been locked out of my XXXX account since XX/XX/2017. I still need access to my XXXX  account to run the cost basis for 2017 taxes because CoinbaseXXXX sent a XXXX to the IRS and I did most of my trading in XXXX. Can you please help me regain the ability to log into XXXX and regain trading abilities so I can run these reports and not be penalized by the IRS. 

Currently, I get an " An error occurred. Please contact XXXX support. '' message when I try to log in to XXXX.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. CAPITAL ONE XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Bank account or service

Bank 's on-line statement says I have money currently available, but the bank denied my request for a XXXX transaction increase to my debit card maximum daily limit ( well within my checking account balance -- approximately XXXX % ), because the funds were " available '' but not " collected. '' This is inconsistent statements appearing on the Bank 's website.