23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from XXXX  stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that XXXX  's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my TransUnion credit report from XXXX and I want it removed immediately as XXXX lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the XXXX  agent never said that I was pre- approved for the loan. Kindly remove XXXX  hard inquiry from my credit report immediately.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS SYNCB/PPC XXXX XXXX MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from SYNCB Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the XXXX data breach.
Product: Mortgage

My name is XXXX XXXX. I have a XXXX XXXX XXXX with adequate income from a XXXX and XXXX source. I began applying for a refinance with Loandepot on XX/XX/2020. I was told by the sales person XXXX that it would take XXXX weeks to close. I interviewed XXXX other companies. As of XX/XX/XXXX the loan had not closed. The loan processor XXXX, would ask me for information multiple times .... the same information. I got the impression that she was either incompetent or overburdened with too many loans to process. Originally I asked the sales person to contact me with the loan progress and anticipated close date ... His response was that he was too busy. So after a month I began to call XXXX and XXXX with those questions once a week on thursdays. Eventually they didnt answer my calls or return my phone calls. As of XXXX XXXX was still asking me for information previously provided, to give to the underwriter. I discontinued the process due to frustration and anxiety. 
Complaint : I believe I deserve a timely conclusion to my application, and not to be strung on like a fish. If there were problems, they should be communicated to me so that I could move on. Instead, The process caused me mental anguish, and financial harm. I lost my appraisal fee, my application and credit check fees and loan payoff fees, and I lost the timing on the interest rates. I am now refinancing at a higher cost, and paying new fees. I understand its busy, But this ( and all ) mortgage companies have the responsibility to stop taking applications if they can not fulfill their obligations in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with documents that their company has on file used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible. Thanks You.
Product: Credit card

On XX/XX/XXXX Chase was trying to process a payment of {$3700.00} to my XXXX XXXX XXXXXXXX account. Which they repeatedly tried to process. I called both banks to try to get them to cancel and now it is showing I am - {$2400.00} in the negative in my checking account with XXXX. Both banks say I need to call the other bank to get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently under dispute Account info Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$270.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$340.00} Terms NA this has been going on for 8 months all others removed it but Experian
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 U.S.C 1609. 
Accounts : 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  15 U.S.C 1681 section 602 A steaks 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.

15 U.S.C. 16 81 c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which mandates the report by more than 7 years.

15 U.S.C. 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

I applied to LoanDepot to refinance my mortgage on XX/XX/XXXX. I signed the paperwork with a notary on XX/XX/XXXX. The loan now has still not been finalized and refinance. LoanDepot bungled this up every step of the way. The refi should have taken no longer than a maximum of 60 days as I was told in XXXX. This was important to me because my dream home was up for auction on XX/XX/XXXX which I wrote both the loan processing officer and the lending loan officer. As of today, the loan is still pending and despite my please to give me updates the company is largely unresponsive with generic answers such as we will let you know when we know, etc. I found the entire process unprofessional. XXXX XXXX, the lending officer was great, but the loan processing officer was horrible, his name is XXXX XXXX and he was taken off the case. At one point he threatened me that he could decide to just cancel the entire loan. 3 or 4 weeks ago they assigned someone else to the case. Her name is XXXX XXXX. While she was very friendly I have not heard much from her since.
Product: Vehicle loan or lease

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with PNC BANK with Account Number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.
Product: Student loan

Original loan disbursement date was XX/XX/XXXX in the amount of {$10000.00} with a repayment term of 121 months. Repayment began on XX/XX/XXXX with a repayment term of 210 months. Since that point in time the loan has been " redisclosed '' against my wishes or request. The loan has been redisclosed on the following dates with the below terms. 
XX/XX/XXXX Repayment term 239 months XX/XX/XXXX repayment term 210 months XX/XX/XXXX repayment term 197 months XX/XX/XXXX repayment term 185 months XX/XX/XXXX repayment term 174 months XX/XX/XXXX repayment term 165 months XX/XX/XXXX repayment term 153 months XX/XX/XXXX repayment term 143 months XX/XX/XXXX repayment term 131 months XX/XX/XXXX repayment term 121 months As of XX/XX/XXXX statement {$11000.00} has been paid on an original balance of {$10000.00} of which {$7300.00} was interest and {$4200.00} principal. The current outstanding balance is still {$6300.00}. 

The constant redisclosure of a customer who makes on time payments for more than the minimum balance is resulting in a loan that will essentially never be paid off. The stated interest rate of 6.13 % is deceiving as it only is a interest rate of the current redisclosed loan. When you take in the original balance and what has already been paid plus what is still outstanding the interest rate is over 300 %
Product: Mortgage

I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently included as a result of the breach, and I am exercising my right to have them removed.

Accounts to be Blocked and Deleted : 1. Chapter XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} 2. Chapter XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} 3. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$17000.00} 4. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} 5. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Additionally, I am requesting that the following fraudulent inquiry be blocked and deleted : Inquiry to be Blocked and Deleted : SETTLEMENT O Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Item and or items were not properly removed from my credit report.
Product: Credit reporting or other personal consumer reports

Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor.
Product: Credit card

On XXXX/XXXX/2016 I applied in-branch for the Chase Sapphire Reserve. Chase did a hard pull on my XXXX credit report and immediately declined me for " too many cards open in the past 24 months ''. Upon calling XXXX services, they explained to me that they have a rule called XXXX. If you have opened XXXX or more credit card accounts in the past 24 months, you will be automatically declined for a most varieties of Chase cards, regardless of your credit score or history with Chase. I have top notch credit and excellent history with Chase. I have opened exactly XXXX new credit card accounts in the past 24 months. If Chase wants to do that, they certainly have the right to. But nowhere, in any brochure or disclosure, does Chase warn you of the XXXX rule. It is only after you apply that they inform you. This is a deceptive lending practice, and hurts my credit by putting a hard pull on my credit report for absolutely nothing. If Chase wants to continue with XXXX, it needs to be clearly disclosed on every advertisement, brochure, and application disclosure in order for the consumer to make an informed decision.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX West Virginia XXXX!! The complaint is regarding charges that was put on my account by an fraudulent charges from companies that I have no business with them and several other charges from cell phone company and I had an XXXX reversal refund last Saturday on XXXX XXXXthese people need to be investigated they are running an adverse business within the United States of America and working the company out of the XXXX overseas transactions call XXXX kick-off account owned by XXXX XXXX XXXX  kick-off account upside down K?? On the XXXX XXXX  XXXX  if you search it but this problem with these people have been going on since XXXX XXXXi have tried every way possible to get this problem straightened out and they cancelled an new credit card and debit card for no apparent reason before it even shows up in the mail!!! Over XXXXdollars worth of charges has been applied to my account and that'll absolutely not mine it ran my account over in the red XXXX dollars because of the illegitimate charges that got put on my account so with that being said they took my {$200.00} refund when it hit the account and they refuse to straighten anything out and threaten to close the account up for illegitimate charges that was placed on my account someone. Within this company is stealing money from the customers or clients who share their financial situation with theses people their address is XXXX XXXX XXXXXXXX XXXX XXXX Utah XXXX please let me know what the outcome is with these people but it really does need to be investigated they are an branch off of XXXX XXXX XXXX  kick-off account
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, obligates us to expunge any incorrect accounts from my credit report. Would you mind examining the documents? Certain accounts listed demonstrate inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that they items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to my US Bank branch in XXXX WA to send an international wire transfer to XXXX XXXX. XXXX. For {$15000.00} ( XXXX XXXX dollars ) Wire XXXX The receipt said that the funds will be available XX/XX/XXXX but the money was never received till now XX/XX/XXXX. and is not in my account neither. 
I been in the branch several times and they just said that it has been reported. 
Now they don't want to talk to me anymore. 
Thank you for your attention. 
Desperate customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my car report in viewing it I found the below errors I previously disputed this error however it continues to reappear and reach my credit report affecting my credit score 1. XXXX XXXX XXXX XXXX # XXXX pay status states charged off however the account is not a charged off account ( letter attached ) 2.XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect XXXX balance is correct ( letter attached ) 3. XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect should be XXXX balance ( letter attached ) 4.XXXX XXXX XXXX XXXX # XXXX pay status states 60 days past dues but balance states XXXX how can that be correct account is pay off not 60 days past due The following inquiries were not requested by me I contacted the creditor as advised they were suppose to delete inquiries XXXX via XXXX . XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX/XXXX/XXXX Remove Initial Fraud Alert from file