23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted LoanDepot in XXXX of this year to refinance a rental property that I own in Florida and began working with XXXX XXXX. A couple of weeks into the process, XXXX XXXX left and my loan was transferred to XXXX XXXX - this is where the problem began. 
XXXX XXXX quoted me a 15-year loan at 2.875 % for {$100000.00} ( rolling in the closing costs and buying of points ) after I bought points from 3.25 %. The cost would be around {$1500.00}. 
XXXX and LoanDepot did not execute my loan in a timely manner - despite my constant emails asking for the status and info they needed. Eventually, in XXXX the loan paperwork was completed and we went to sign, but the interest rate was now 3.25 % with no points being bought down. I refused to sign the loan. 
I was contacted by XXXX XXXX from LoanDepot, who explained why they could not honor the 3.25 % and he was to compensate us {$200.00} on the closing for late fees due to the current mortgage company. Despite not getting my interest rate, I agreed as long as the {$200.00} was compensated. The loan paperwork came again - exactly as the first one with no {$200.00} compensation. I refused again. 
I began asking friends about the loan. Each made the point that LoanDepot could honor the 2.875 % rate but are refusing. 
At this point, due to LoanDepot 's and XXXX ' incompetence, I am not refinancing my property but I am out the appraisal fee of {$300.00}. An appraisal fee that would not have paid if LoanDepot was going to switch the interest rate on my last minute. ( Not to mention that {$35.00} late fee to the mortgage company ). 
In summary, this company has wasted my time, lost me money in additional months of a higher interest rate by not refinancing ( or refinancing in a timely manner ), a late fee, and an appraisal that I did n't need. I am seeking restitution in money lost or them honoring the original interest rate they quoted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX  and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports, and I noticed some accounts, late payments, addresses and inquires posted on my credit reports. In accordance with the fair credit reporting act EQUIFAX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS, ADDRESES AND INQUIRES IN QUESTION LIST BELOW.

15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 



15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING XXXX CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 





XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

The currently reported XXXX XXXX  with account number displayed as XXXX XXXX  on my Trans Union report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX XXXX XXXX
Product: Credit card

I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX 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. q681 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 am writing to acknowledge receipt of your recent letter dated XXXX XXXX for XXXX XXXX  Account number XXXX, in which you have stated that you have verified and validated the late payment that was previously disputed by me. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies.

Given that the late payments have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.

Thank you for your attention to this matter.
Product: Checking or savings account

XXXX is a XXXX station located in XXXX. We recently opened an account with Live Oak Bank to operate. The first transaction was to one of our suppliers to upgrade our equipment.

We funded the account when it was opened, but the money was kept on hold by the bank, and then they shut down our account without explanation, still holding the money. 

Now, we can't make the payment to the manufacturer and don't have any money to operate until they return our funds. 

The first call was on Monday XX/XX/XXXX - To understand why my ACH hadn't gone through The second call was on Tuesday XX/XX/XXXX- XXXX from customer support answered questions about XXXX XXXX XXXX after which I wired an additional deposit into the bank The third call was on Wednesday XX/XX/XXXX- they closed the account without any reason.
Product: Mortgage

Key bank, XXXX, oregon three years ago nearing retirement my wife and i decided to apply for a fixed interest home mortgage we applied for a locked 3.75 interest rate.we were assured we qualified and signed the contract.the loan officer XXXX would only accept our phisical address even though we told her the U.S.P.S. would not forward our mail .after 50 years of banking at key bank i took over our financing. We just realized we had never received a statement key bank on this loan .key bank finally sent the current statement to our post office box .we immediately realized our loan was actually a variable rate loan and rates were rising. XXXX admitted she had dropped the ball ll and would recommend we be given our original loan rate. XXXX, XXXX, s boss denied the request .We are currently in limbo and our retirement in jeopardy. Please help XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : 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: Credit reporting or other personal consumer reports

PLEASE SEE DOCUMENTS AND HAVE THE ACCOUNTS AND INQUIRIES DELETED IN 24 HOURS.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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: 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 sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had an error charge from a merchant. The merchant acknowledged the charge was in error but told me they would issue me a refund only when I go in to their store physically, which is not acceptable to me. 
I called Chase to dispute this erroneous charge. Chase told me that they won't go ahead with the dispute unless the merchant sent them a letter acknowledging this charge is in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my recent dispute to Experian, XXXX XXXX XXXX XXXX. certified to Experian that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report.

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish your tradeline onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX. authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX. which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( 3 ), that has taken place. 

XXXX, XXXX AND EXPERIAN ARE ALL INVOLVED IN AN UNLAWFUL RELATIONSHIP WITH XXXX  XXXX XXXX XXXX AND I HAVE PROOF OF IT DUE TO THE FACT THAT XXXX XXXX XXXX XXXX IS A COMPANY WITH MANY JUDGEMENTS MADE AGAINST THE REGARDING VIOLATING FEDERAL LAW ( SPECIFICALLY THE FDCPA ). PLEASE REFERENCE SUPREME COURT OF FLORIDA CASE XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX IS UNLAWFULLY ACCESSING MY CONSUMER REPORT TO MAKE UNAUTHORIZED INQUIRIES AND FURNISH FALSE AND DECEPTIVE INFORMATION. THEIR FALSE INFORMATION HAS LEFT ME XXXX DUE TO GETTING DENIED FOR EMPLOYMENT, INSURANCE, AND HOUSING ( ALL OF WHICH ARE A VIOLATION OF FEDERAL LAW ). 

DUE TO THIS, I HAVE PROOF OF XXXX XXXX XXXX XXXX. PARTICIPATING IN RACKETEERING ACTS FOR THE PURPOSE OF UNJUST ENRICHMENT WHICH IS UNLAWFUL. 

I HAVE SENT SEVERAL CEASE AND DESIST NOTICES TO XXXX  XXXX XXXX XXXX. HOWEVER, ALL OF WHICH HAVE BEEN IGNORED. 

ACCORDING TO 18 USC 894, COLLECTIONS OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF FEDERAL LAW AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Experian on  XXXX   XXXX ,    2017  that the following address is not mine and had never been mine. However, Experian has not removed the address from my credit file.   XXXX  Address that is not mine :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CT  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this third complaint against TransUnion for their failure to conduct a proper investigation into inaccuracies on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ) .I disputed XXXX accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX my consumer report due to inaccuracies. I requested for Transunion to conduct a procedural investigation and a reinvestigation, yet the issues persist. 

XXXX. XXXX : The account reflects a charge-off status, but the statute of limitations keeps renewing. 


XXXX. XXXX XXXX : The account indicates a closed date of XX/XX/XXXX, which is a future date, and the last payment reported as XX/XX/XXXX does not align with the account being charged off. 


XXXX. XXXX XXXXXXXX : The payment history is inconsistent, showing no XXXX late payment in XX/XX/XXXX despite reporting the last payment in XX/XX/XXXX. 


XXXX. XXXX XXXX : The charged-off account still reflects a credit limit, which is not standard reporting. 
TransUnions failure to address these inaccuracies demonstrates a lack of due diligence and fairness in their reporting practices. I have requested the deletion of the inaccuries of these accounts, but my requests have not been honored.
Product: Credit reporting

The XXXX XXXX XXXX account XXXX has been paid in full and it is still being reported as not being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting, credit repair services, or other personal consumer reports

I rented a car from XXXX XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at TransUnion by XXXX XXXX XXXX XXXX XXXX. I provided a copy of my invoice and credit card statement to TransUnion and to XXXX XXXX XXXX XXXX XXXX. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. XXXX XXXX keeps verifying that the charges are accurate to TransUnion, where I am disputing the charges. 

I have only rented from XXXX that one time. These are the only charges that I have incurred from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/XXXX reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a XXXX  and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to first XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. XXXX XXXX is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. XXXX XXXX has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a XXXX  and my credit report is taking a huge hit because of XXXX XXXX shady dealings. The next step in this process is to hire an attorney.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

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 Trans Union, XXXX, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 data is inaccurate.
Product: Debt collection

I found a discover balnce for XXXX on my credit that I am not liabile for this debt with discover do not have a contract with discover they did not provide me the contract and with the original contract as requested XXXX