23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was presented an opportunity to purchase my mother a house from Wells Fargo with XXXX % down earlier this year. My mother raised myself and my XXXX brothers for most of my life. This was something that was really important to me and something we all were taking very seriously. I did n't present the finding to my mom till WF and I were 100 % sure this was possible. 

The deal was if my mother lived in the house and she was dependent on me helping her the deal would be considered Owner Occupied. Submitted the application including all of my information and my mothers. The details went back and forth for about 2 weeks and the end result that is was approved by XXXX underwriters. ( Including XXXX manager ) I went to my mother with the great news. ( Obviously a HUGE deal for her ). Her son is being able to help her buy a house. Off to the races. My mom is off looking at houses and finally finds " the one ''. I put down the earnest money & submit all the paperwork to get the conditional approval. It took us about a week but everything was met and we now have a closing date. During the time that everything was being put together WF sent me an offer to complete a course to get a lower APR. ( {$80.00} dollars & 2 hours of my time ) Appraisal and Inspection and came back great all besides the seller did n't have an outlet cover on one of the outlets in the kitchen. Closing date is pushed back a week to meet a second Inspection. During this week everything regarding the multiple account scandal was coming out. This lead to WF stopping the loan TWO days before closing. Giving me the reasoning that my mother did n't met the " XXXX '' requirements for the loan and I would need to come up with XXXX % down to complete the loan. They were unable to tell me what requirements she did n't meet. 

I was unable to come up with the extra XXXX % in the matter of two days and we had to back out of the deal. The issues that came from that were intense. I lost my earnest money and my mom lost the rental she was leaving in. We were stuck - Complaining back and forth with WF did nothing. We were pushed from the branch manager to the XXXX manager. I spoke with him one time and then he began ignoring my calls. After being ignored 5-6 times I went back to the branch manager mentioning the damages. This must have triggered something because I was then lead to their " Executive Resolution Specialist ''. They have been pushing the issue out months claiming they need to do a full audit of the loan. I 've been catching up with the local branch manager multiple times and he continues to say no one has contacted him about this audit. All of this has led me to submitting this complaint with the CFPB because they still have not resolved anything and have n't contacted the WF employee that completed the loan. ( Meaning no " audit '' is going on. ) My hope is just to get my money back for this deal. I have a lot more supporting documents that I can round up ( if needed ).
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of [ Company Name ], I expect transparency, integrity, and swift resolution when faced with such matters.

On [ Date ( s ) ], I discovered fraudulent items on my account/statements, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items.

Offer compensation for the inconvenience and emotional distress caused by this ordeal.

Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : 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

There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX child case. Some of my name 's showing are wrong. Derogatory marks from a bank
Product: Credit card or prepaid card

On XXXX2021 a {$2100.00} order was placed using my account and store credit card. Best Buy cancelled the order and told me to change my account password. This does not resolve the fact that my credit card number is compromised. I also have no information to help me determine if this is an isolated incident, either for Best Buy, or myself.
Product: Checking or savings account

To whom it may concern : On XX/XX/2018 my regions debit card was stolen out of my property. I was not aware of this fact. I called the next morning and checked my balance and thought everything was fine. That day XX/XX/2018 i tokk my lunch break and was going to the bank to make a withdrawl and i got s strange feeling. So i called to check my balance again and my account had been withdrawn all the way into the negative XXXX dollars.at that point i got my wallet out of my pocket as quick as i possibly could only to discover thst it was missing. there were 4 transactions on my account from random gas stations that equaled up to XXXX there were also 8 more transactions done on the internet that equaled up to {$1800.00}. as soon as i became aware of this i called, had my card cancelled and immediately went to the bank and disputed these charges. Even as i was speaking to the customer service rep. the culprit was trying to make another transaction on my account. Regions told me they would come to their decision within 10 business days.Well, today is the 11th day and i have not gotten the first email or piece of mail letting me know the decision either way. Please help me. That money in my account was from an insurance payout on my car when it was totaled. without it i have no money for another car to get back and forth to work.
Product: Debt collection

Ive asked CAC multiple times to come repossess the vehicle they refused their response its not worth their time the vehicle will not get the money they need from the auction. I followed back up to do a debt settlement with CAC credit acceptance corp.I was referred to a legal Representative. ( lawyers ) I was told they would settle for XXXX. I asked even though the delinquency is over XXXX XXXX XXXX and it should be charged off not showing as 180 days late from a XXXX year XXXX was told it did not matter! the issue is they keep reporting an account that should be charged off on my credit report as late payments no payments of over 180 days late This account should be charged off at the least. because they are a subprime lender they have decided to keep renewing the premise of the loan and refusing to charge it off, so I would never be able to get financing for a vehicle. CAC is XXXX of the largest subprime lenders so in my opinion, I feel as though they are trying to blackball me from ever getting a car loan
Product: Checking or savings account

The M & T Bank blocked our checking accounts in XXXX caused us checks to be bounced and mortgage payment to be delayed without any notifications and proper reasons. To resolve this issue, we had spent more than 4 - 5 hours calling several M & T Bank operators and managers at XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX. However, none of the M & T Bank representatives were willing to tell us why our accounts were blocked nor helped us to resolve the issue. As a result, I filed a complaint to the Consumer Financial Protection Bureau to resolve this issue on XX/XX/2023. 
XXXX XXXX XXXX on behalf of the Office of the M & T Bank President emailed me to contact XXXX XXXX for assistance with our account concerns on XX/XX/2023. I called XXXX XXXX at XXXX XXXX  on XX/XX/XXXX, and got no response. So, I left a message on his answering machine. On XX/XX/XXXX, I called XXXX XXXX at XXXX XXXX  again and got no replies. So far, we have never received his calls or voicemails. It has been more than a month that we still have not received the proper reasons why our accounts are blocked, and none of M & T Bank representatives would try to resolve this issue for us. 

Nevertheless, we really want to move on beyond this agony and depressed problems with the M & T Bank.
Product: Money transfer, virtual currency, or money service

Paypal has put a 180 day hold on about XXXX dollars in my available funds with little to nap explanation. I desperately need my money. I have waited about 4 months at this point, but with covid and recent bills it is critical the funds are released.
Product: Credit reporting or other personal consumer reports

Dear AFFIRM INC I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 
It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for AFFIRM INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Product: Credit reporting or other personal consumer reports

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I applied for a Navy Federal credit card to execute several balance transfers. The promotion they sent me featured and introductory APR of XXXX % on purchases for the first twelve months and no balance transfer fee. After my requested balance transfers were executed, I learned that I would be charged an APR of XXXX  % on the balance transfers I requested. This was not disclosed in any of their marketing material. They mention there's no balance transfer fee, but don't disclose the fact that transferred balances will be subject to the XXXX  % APR.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to representatives and supervisors and the calls disconnect with no help at all. I have mailed in disputes for the 4 collections on my credit report XXXX XXXX XXXX XXXX with Equifax and they keep saying they haven't received them and this is my second time doing a dispute in writing. The information they have on my report is not accurate and needs to be deleted. My next step is to go forward with a lawyer if need be to make sure my credit is accurate and make it known publicly that Equifax is a fraud company that keeps inaccurate information and provide no help to people like me.
Product: Debt collection

Since XX/XX/XXXX of XXXX, I have received about XXXX calls from Comenity Bank. They call anywhere from XXXX XXXX  to XXXX XXXX  and call from different numbers so blocking is minimally helpful. They have also called a relation that I am beyond confused as to how they'd know who that person is as the accounts are only in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five ( 5 ) hard inquiries from Capital One on both of my credit reports from XXXX and XXXX. Said inquiries were not from my initation and nor do I have any knowledge, involvement, or complicity in them. I have never applied for any credit with Capital One and nor have I authorized Capital One to pull my credit reports from XXXX or XXXX. These hard inquiries are affecting my credit scores, are violating the Fair Credit Reporting Act, and are violating due process of law. I have filed disputes with both credit bureaus and said disputes were denied. I also called both credit bureaus and was told that they are to remain on record for two years and that the only way I could have them removed is to contact Capital One and request that they notify the bureaus to delete them. I have also called Capital One numerous times requesting for help and Capital One beats around the XXXX or states they have nothing on record about the inquiries. The inquiries are related to applications for a credit card and if Capital One has no records of the inquiries, then why does both credit bureaus have them down on my credit reports. A complaint is also being filed with the federal trade commission and Dep. Of Treasury against Capital One if no assistance or rectification is given. Said inquiries were conducted by Capital One on said dates of : XXXX, XXXX, XXXX, XXXX, and XXXX. The address for Capital One from the hard inquiries on my credit reports says XXXX XXXX XXXX Utah if this is any help.
Product: Debt collection

I am disputing collection debt for over 3 month now. Portfolio Collection company also filed a lawsuit .This company is using scarring technic to force me to pay the debt the was never validated .Ownership was never established .and proper paperwork was never provided.
Product: Credit reporting or other personal consumer reports

Recently XXXXXXXX XXXX companies, XXXX XXXX XXXX and XXXX XXXX XXXX appeared on my credit report with XXXX XXXX, XXXX, and Experian. I have never done any business or signed any contracts with these companies. Nor have I provided the companies with any written consent to use my name and other identifying information. I do not know how the companies obtained my identity information. 

The companies actions have left me feeling vulnerable and violated. And my credit rating is also being damaged because to the actions. It is a Federal XXXX to utilize a persons identifying information without any authority or consent.
Product: Checking or savings account

I attempted to make an online purchase at XXXXXXXX on XX/XX/year> using my Ally debit card ending with XXXX. I'm the account holder and the card holder. My account had more than enough balance for the transaction. As a security measure, Ally declined the transaction and sent me a fraud alert text message to my cell phone asking me to verify the purchase. I verified it. Ally then advised to wait 1-2 minutes and attempt the purchase again. I waited and attempted, but the transaction kept getting declined. I reached out to Ally through their messenger. Their answer was my card was not locked, they didn't know why the transaction was getting declined and just use another card.
Product: Mortgage

I was under a forbearance for 6 months with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX Back in XXXX I filled out documents requesting Loan Modification in Covid related for two months now the company received all my paperwork. I done this because we were getting our jobs back and could start making payments but could not afford to pay back payment all at once. 
I been told that they are awaiting signature from investor. I have been told this for months now I fear they will will not approve a loan modification and drag this out until end of XXXX when the protection is over and then plan to a foreclosure. I have contacted them several times and been told they awaiting Investor review. 
XXXX XXXX