23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As a past customer and client of Academy Mortgage I trusted them with the loan process to purchase a new home and they completely mislead me causing me to loose my earnest deposit and inspection fees along with payments made to pay down an account with the assurance my loan was going to be approved. This does not include my time spent constantly leaving work to gather every piece of document to take care of every request asked of me in addition to the time spent packing leasing out my property and preparing to move with continued promises that we would be closing on time.

The loan officer that Academy Mortgage has working for them name is XXXX XXXX. This individual should not be allowed to originate loans. 
There were many opportunities that academy mortgage had to be honest and not use such deceptive practices and mis-lead me through the process. Upon loan denial which was over a week after the scheduled close of escrow which I was promised the whole time would be met My loan was denied because I was not married. I went and got a 2nd opinion on the issue, and another lender immediately denied me because my DTI was too high. Now these are both two simple items that Academys employees failed to identify up front. This could have been caught early on by the loan officer, processor and underwriters. Instead they continued to drag me through the process promising they would get the job done. In the end, Academy only refunded me for the cost of the appraisal. Im requesting this be investigated and Academy issue a refund for my money lost on the earnest deposit and money spent on inspections.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I reached out Self Financial about incorrect information on my credit report. I only remember having one account with them in which I paid off but they are stating it was paid after a charge off that I am not aware of because it shows no late payments on the account on one report it shows no payment history and the other it shows no late payment, I have reached out multiple times and getting a misunderstanding from the agents and they sent an email stating they can not removed factual information but they have nothing saying I had any late payments or a collection. I need the charge off removed because this is incorrect information and they have not submitted me any proof I had late payments.
Product: Debt collection

XX/XX/2025 I reached out to get validation and contracts of the debt and only received more collection notices and calls and text
Product: Credit card or prepaid card

I missed a payment on my Synchrony Bank issued Walmart card because of my monthly payments were delayed from Hud because of the Government shutdown. The company used this to close my Lowes account even though I have never missed any payments on that account. This unfairly affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent email stating that " -- -- --, your dispute results are ready. 

Good news! Your final dispute results ( report no. XXXX ) have been posted. Please sign in to see them and confirm all changes. 

If you have any questions, feel free to reach out to our team at ( XXXX ) XXXX ( Mon-Fri :  XXXX-XXXX PST, Sat-Sun : XXXX-XXXX PST ). '' Experian adamantly not updating the credit report though XXXX XXXX XXXX sent them the corrected information Experian 's customer service is the Worst.
Product: Bank account or service

Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.
Product: Credit reporting or other personal consumer reports

I did not apply for credit or give WRITTEN consent. These accounts are fraudulent. I did not enroll or apply for these. This is a violation of 15 USC 1681b. Without consent or knowledge pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 items identified as identity theft must be deleted and blocked. SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a mortgage loan on an investment property which SHOULD'VE been under my LLC 's credit report and not my own. My LLC is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my LLC when we signed the loan documents. Before signing documents, I confirmed with my loan officer that I was only signing on the LLC 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the LLC is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the LLC to show that I have the right to act as the signer on the LLC 's behalf, and the loan disclosure and documents which shows that the LLC is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the LLC. They do not allow the LLC entities to be the official signer of documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX in the amount of XXXX opened XXXX this account is no obligation this is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all
Product: Credit reporting or other personal consumer reports

I disputed twice and they are saying its been verified.
Product: Checking or savings account

I opened a Capital One 360 Savings account with an initial balance of {$50000.00}. The {$50000.00} was debited from my XXXX checking account and credit to my Capital One 360 Savings account on XX/XX/XXXX. I signed up with an offer code XXXX that had the following terms : " Open a 360 Performance Savings account between XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX. XXXX on XX/XX/XXXX. When you open your account, enter your promotional XXXX. If you have or had an open savings and/or money market account, excluding CDs, as a primary or secondary holder with Capital One on or after XX/XX/XXXX, youre ineligible for the bonus. This account is subject to approval. 
Deposit a total of $ XXXX {$50000.00} or more of new money from an external bank ( transfers between Capital One accounts will not qualify ) within the first 10 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained a daily balance of {$10000.00} or more for 90 days following the Initial Funding Period. Your bonus will be calculated as follows : an account with a daily balance between $ XXXX {$19000.00} will earn {$100.00} ; $ XXXX {$29000.00} will earn {$200.00} ; $ XXXX {$39000.00} will earn {$300.00}, $ XXXX {$49000.00} will earn {$400.00} ; balances of {$50000.00} or more will earn {$500.00}. If at any time during the 90 days following the Initial Funding Period your daily balances drop into a lower balance tier, you will be rewarded that tiers cash bonus. If your daily balance decreases to an amount less than {$10000.00}, you will not qualify for a cash bonus. 
This offer can not be combined with any other Capital One 360 new savings account opening offer, including savings accounts opened through Refer A Friend. Only one promotional code is accepted. Bonus is only valid for one account. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' I maintained a balance of at least {$50000.00} for 96 days, at one point I had over {$120000.00} in the account. After 96 days, on XX/XX/XXXX, I transferred the majority of the funds back to my XXXX checking account. Capital One was supposed to deposit the {$500.00} to my Capital One 360 Savings account within 60 days, or by XX/XX/XXXX. They have failed to do so. I have contacted them multiple times and they keep giving me the runaround. They agree that I was supposed to get the bonus but they keep blaming " the system '' and promising to call me back but never do. The most frustrating part is that every time I call I am told they are notating the account about the issue and yet every subsequent call they claim to have no record of my previous calls.
Product: Debt collection

I received post in XX/XX/2022 stating they welcomed me and to make my first payment by XX/XX/XXXX, XXXX i responded and asked them to validate the debt by XX/XX/XXXX, XXXX i received a phone call on XX/XX/2022 where i told them a validation request was sent and i had not gotten a response yet and that i would only communicate with them by mail. Santander called me 13-15 times. they finally responded refusing to validate the debt stating that would be their only response. it took a month for them to respond. they still reported late payments on my consumer report. i responded to their lack of validating the request and marked up the counterfeit copy they sent to me highlighting the fraudulent items. they ignored it. XX/XX/2022, someone stole my car under commission from Santander Consumer USA in the middle of the night. They still have not sent me a copy of the court order permitting this activity, nor have they returned the promissory note, and have since sold my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry on my account I do not recognize and I want all my credit inquiries removed from all 3 credit bureau. I dont know how someone have my information
Product: Credit reporting or other personal consumer reports

Filed a complaint back in XXXX and the company said they verified but failed to validate and send me the contract or documents that showed ownership. Experian did not properly validate the accounts per the Metro Validation. They failed to remove addresses that are not mines.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Credit cards open without my consent and my data has been exposed and breached. XXXX XXXX cards for XXXX, navy federal credit cards for XXXX, XXXX and Ive sent letters but I need section 605b not a 30 day claims process
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have
not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The numerous inaccuracies related to ( XXXX Account Number : XXXX ) are highly injurious to my credit score.

It has been over 30 days, the agencies report inconsistent information from the sole provider and the agencies have not reported changes, updates and findings clearly to CFPB via the consumer portal.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Mortgage

i was told by my current mtg company XXXX that I was put on a do not call list and I believe I even sent them paperwork with my payment as requested. I am still receiving calls aand was and was told now that I have to mail them a cease and desist letter to accomplish .is this this, is this correct? my acct is and always has been current and the calls are for marketing and XXXX party marketing. the company is Nationstar Mtg in Texas.
Product: Credit card or prepaid card

Received a prepaid debit card as gift and used it in the past. Was supposed to have a balance of {$3.00}. Says to use  XXXX  to check balance. When using web site does not access account info. There is no phone number on the card. Web site shows  XXXX   XXXX   XXXX   XXXX  as number. After calling agent said card is 'purged '. Asked company name, responded with  XXXX   XXXX  '. Asked full name of company, would not answer, even simple questions as whether it wa s Inc, cor respondence address for legal dept, etc.   Back of card has  " U.S. Bank National Association '' printed.
Product: Debt collection

They never sent me substantiated records of services rendered ... .nor did they offer flexible payment options.. before damaging a 40 year old XXXX credit rating .
Product: Prepaid card

I filed a complaint through CFPB against Bank of America regarding pandemic benefits in XXXXXXXX XXXX XXXX. On XX/XX/year> my complaint stated that the bank had mailed me a resolution and that I should receive it in a few days. Well I never did. I went to the complaint data base and noticed that the CFPB posted that my complaint was closed with monetary relief, so I reached out to the bank and was told that their system doesn't allow them to authenticate me, therefore they cant discuss it with me. This is after they called me twice, if unable to talk to me I don't know why they would call me. I still tried to explain that I had not received any resolution from them, so you would think they would re-mail it but they havent.
Product: Mortgage

My mortgage was taken over by Selene mortgage from XXXX XXXX XXXX. For the first 5 months I couldn't get a bill from them. I paid online. In XX/XX/2018 I recieved a bill from them f ok r XXXX $ my mortgage was XXXX . When I called to find out why they told me my escrow account was XXXX $ in arrears with XXXX. I called XXXX and they told me that my account was in good standing when it was sold. So I called selene back and told them that. XXXX offered to join a three way call but selene declined the offer. Selene told me I had to request a review which I did on XX/XX/XXXX and it would take 2 weeks to complete. I waited 3 weeks and called to find the outcome. They told that I would have to submit another request in writing. Which I then did. At that time I was told to mail my XXXX $ payment that they would hold it until the review was complete. Which I did. I hadn't heard anything and it was the first week in XX/XX/XXXX. I called then and was told they were returning my check. That the review would be completed for sure on XX/XX/XXXX. It is still not complete. They have now put on my credit report that XX/XX/XXXX's payment was late. XX/XX/XXXX us due now. This company is awful. Can you help?
Product: Debt collection

While reviewing my credit report I discovered GLA Collection has placed a derogatory item on it. They state I owe {$63.00}, however will not provide any proof showing my signature as mandated by law. I have sent them XXXX letters requesting proof and they can provide me what the law mandates. I plan on suing this company if they do not remove all derogatory information on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX company has come to my attention that you illegally reported my information to unaffiliated 3d parties without giving me my disclosures Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal Information on for a nonaffiliated third party unless.

( A ) such financial institution clear and conspicuous discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this file, that such information may be disclosed to such third party. The consumer is given the opportunity. before the time that such information is inifially disclosed, fo direct that sun information not be disclosed fo such third party : and ( C ) the consumer Is given an explanalion or now the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by federal. 
XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on date XX/XX/XXXX to seek more information about unauthorized inquiries on my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. 
UNAUTHORIZED INQUIRIES LISTED BELOW EQUIFAX CREDIT BUREAU XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX XXXX   reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX   payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some inaccuracies on one of my accounts.This account is reporting a late payment for XX/XX/2022, 2 different account numbers, 3 different dates for date opened, and 3 different dates for date last reported. I was never for any payment on this account. I need this account updated accurately, and the late payment reporting removed. 

Account Name : XXXX Account Number : XXXX