23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my wife and I applied for a refinance mortgage with New Day Financial. The application was conducted over the phone, and I did not disclose any demographic information. The agent told me that my application was denied because I had one 30 day late payment on our current mortgage within the previous 12 months, and my credit score was not high enough. He told us that if we can keep our payments current for the next twelve months and re-apply in XX/XX/XXXX, we could qualify for a refinance. Fast- forward 12 months to XX/XX/XXXX. My credit score improved and all my payments were kept current. Based upon the information I was told, I had confidence that I met the qualifications to refinance with New Day. I called New Day to  re-apply for a refinance. This time we revealed that we were XXXX in the demographic disclosure part of the interview. We were told that my wife still did not improve enough to qualify, but my credit met the qualifications. However, before we could proceed further with refinancing with just me, the agent told us that he " was being called into a meeting '' and he had to call me back later or the next day to follow up. The next day I received a call from the agent informing that my application was denied due to a previous delinquency ( 120 days ) on the same mortgage that occurred four years ago. The agent told me that New Day will not approve applicants who had were delinquent on their mortgage within 5 years. I explained to the agent that this was not what I was told when I applied a year ago, and had I known I would not have wasted time applying now. The agent suggested that the previous agent was not fully informed on the requirements and apologized on his behalf. I suspect foul play based on ( 1 ) how I was rushed off the phone before I was made an offer, and being disqualified for a different reason that was not claimed the first time I applied for a refinance ; and ( 2 ) since I revealed my race on the second application and withheld it on the first application, my creditworthiness was further scrutinized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Dept ED/XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I found a Pomeranian puppy Ona website XXXX Puppies. I inquired about a puppy XXXX. I received a message that he was available. We came to an agreement and price that included shipping for XXXX. {$900.00}. They sent a financial agreement that my husband signed and I sent the money through XXXX. They shipped the puppy and then needed {$980.00} for a special cage due to COVID. I sent this amount through XXXX ( they reversed the fee ). I notified my bank the next day when the puppy was never delivered as promised. They would not stop payment or reverse it they stated I would have to call Monday to dispute the charge which I did. They denied the dispute. I want the charge reversed I never received the puppy as promised. My kids are heart broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, late in the evening ( around XXXX XXXX  ) I needed to get cash from a US Bank ATM. I stopped by the XXXX branch in XXXX WA ( XXXX XXXX XXXX XXXX ). A vandal had smashed the glass on the ATM but it appeared to be operational. I put in my debit card and went through a series of steps to withdraw {$500.00}. At the very end of the steps, the screen said something to the effect that the machine is broken and it cant dispense money and I didnt see any money come out of the ATM. The next day, I saw online that I had withdrawn {$500.00}. I immediately called US Bank fraud department and they started an investigation. I thought this would only take a couple days. I was told they have camera recordings and archived ATM data so surely they would see I didnt take any money from the machine and they would have records of the ATM notifying me that it was broken and could not give me money. In fact, the next day the machine was officially out of order. But then I was shocked to receive the attached letter, stating that no errors occurred with my transaction. Theres no way they could have looked at the camera video and ATM data that I saw on the screen and have come to this conclusion. Last week I spoke with XXXX XXXX, the branch manager and he reopened the case for further investigation. But he said it could take as long as 45 more days and at this point, I dont believe US Bank has acted in good faith which is why I am submitting a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting XXXX past due for the month of XXXX 2019. This accounting was not past due XXXX 2019. Attaching a copy of my statement
Product: Mortgage

A. Case filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
B. Asset Recovery Group, LLC / Judgement Group. 
C. Originally filed in XXXX to prevent my father 's home from foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX My father was in physical and mental decline during this time. He is now deceased since XXXX. 
XXXX XXXX XXXX, the creditor served me at my workplace in XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, several years later, after no payments from me, a letter of garnishment was sent to my HR department for a second time. 
G. I contacted Asset Recovery Group to request an original document with my signature and a statement of payment, but I never received either. Instead, I was threatened with garnishment and told I had to pay, even though I explained that the debt belonged to my deceased father. 
H. In XXXX, during the COVID pandemic, Asset Recovery Group , LLC filed again in court against me. 
I. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX a judgment was filed again in court. When I contacted the court, I was informed that no court operated at that time. The clerk stated that neither the Asset Recovery Group nor the court is required to provide a court date for me to contest the verdict. 

Over 17 years, the timeline is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time, only {$25.00} was collected in XXXX. I earn well below the income requirement, and the total they are requesting exceeds {$7400.00}, not to mention that I am caring for my XXXX XXXX. I do not owe this debt. They have gone to court at different times after the time limit fell short and I have never sent any Bill 's of Sale or Assignment Contract per my request. 

Asset Recovery / Judgement Group is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, MD XXXX. Their website is www.JudgementGroup.com, and their phone XXXX XXXX XXXX XXXX XXXX Judgment number XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I was told yesterday XX/XX/XXXX that the issue would be resolved that night and throughout the morning of XX/XX/XXXX. It is now XXXX cst and have not received any funds. Ive been on hold for XXXX minutes, and no resolution or care for the representatives to speak on the issue. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I am complaining about the company Portfolio Recovery Associates, LLC ; XXXX XXXX XXXX, XXXX, VA XXXX. Their parent company is PRA Group , INC., which is a for profit stock-based group which answers to shareholders. According to their Q1 XX/XX/XXXXEarnings Call, In the Americas, the cash collections in core  and insolvency were {$340.00} XXXX, a new record for PRA. We broke the old record from Q2 of XXXX. Our cash results have been so strong that any of the past 5 quarters would have been a new record, if it was compared to any quarter prior to XXXX. In the U.S.,  cash collected per hour paid increased 24 % from the first quarter of XXXX, which sets a new Q1 record. 

The reason I mention this is because it explains why I have been harassed by PRA for a debt that I do not owe them. PRA is obligated to their shareholders which means they need to do whatever means necessary in order to collect a debt. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. One of the accounts that I was enrolled with was XXXX XXXX, which was later purchased by PRA in XX/XX/XXXX. I was already enrolled with XXXX and PRA kept calling me. I kept telling them I was enrolled in XXXX. They did not listen and kept calling. In XX/XX/XXXX, PRA placed a collection on my credit report. I receive a monthly credit report with monitoring which is how I found out there was a change to my credit report. This XXXX account will be paid off in XX/XX/XXXX, but PRA waited until XX/XX/XXXX to place a collection on my credit report. First of all, it is not my fault they did not do their diligence by purchasing an account from XXXX that was enrolled with XXXX. Secondly, had I not have been in XXXX, why didnt they immediately place a collection on my credit report when they purchased my account from XXXX in XX/XX/XXXX? Why did they wait until XX/XX/XXXX when there was only five months of payments left? PRA is conducting nefarious business practices in order to appease their shareholders to maintain their increased YoY results. 

I filed a XX/XX/XXXXcomplaint a couple months ago, but it has gone nowhere. PRA is obligated to its shareholders and will do anything possible to attempt to collect this debt, even if it means trying to destroy my credit by placing a collection on my credit report. I have provided the supporting documentation that shows the account numbers from XXXX and my XXXX account. I also provided the letter PRA provided me which showed me when they purchased my account from XXXX. I would appreciate your assistance with this matter.
Product: Checking or savings account

I did not consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. 
Please see the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation from Experian of a few accounts on my report that I believe are reporting inaccurately. They have ignored all my requests and have not responded since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Identity Theft and Violations of the Fair Credit Reporting Act ( FCRA ) by Credit Reporting Agencies Dear Sir/Madam , I am writing to file a formal complaint against the three major credit reporting agencies ( CRAs ) XXXX, XXXX, and XXXX their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : On XX/XX/XXXX, I discovered unauthorized accounts and inquiries on my credit reports from XXXX, XXXX, and TransUnion. Specifically, the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon realizing this, I immediately contacted the CRAs and provided them with the necessary documentation to prove that these accounts were a result of identity theft, including a police report and an FTC Identity Theft Affidavit. 

Violations : 1. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Under the FCRA, specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that resulted from identity theft within four business days of receipt of appropriate documentation. Despite my submission of the required documentation, the CRAs have failed to block the fraudulent information on my credit reports.

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : The FCRA mandates that CRAs conduct a reasonable reinvestigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without a proper investigation, in violation of 15 U.S.C. 1681i ( a ). 

Supporting Legal Precedents : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that a CRAs failure to conduct a reasonable reinvestigation into disputed information constitutes a violation of the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case held that CRAs must adopt procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX Trans Union XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This case affirmed that a credit reporting agency must go beyond mere reliance on automated processes to verify disputed information. 

Relief Sought : 1. Immediate blocking of all fraudulent information on my credit reports as required by 15 U.S.C. 1681c-2.

2. A thorough and reasonable reinvestigation of all disputed items on my credit reports.

3. Written confirmation from each CRA that the fraudulent information has been removed.

4. Compensation for any financial harm and distress caused by these violations.

I trust that the CFPB will take immediate action to ensure that the CRAs comply with their legal obligations under the FCRA. Please contact me should you require any further information or documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Former XXXX Loan was sold ( without notice ) to XXXX XXXX as of XX/XX/year>. The new loan number does not correlate with my prior loan info. I have also not been able to create a profile with this servicer as they only provided a toll-free contact number. No email address or customer service chat option. It is inconvenient and perhaps purposefully obtuse. The issue ( s ) with setting up an account include " password error '' and " last name doesn't match records ''. Nothing on my loan has changed other than this servicer. I require prompt communications as this issue prevents my timely mortgage payments. 

Freedom mortgage needs to fix their website as well as provide appropriate customer service communication options that are consistent with the year 2024. 

Also, the loan transfer welcome letter states that all billing info will be sent electronically. I did not opt for electronic correspondence as I want my mortgage information in physical form sent via US Mail. To that end, I want all my documentation and future correspondence released via US mail and I want my account created so that I can manage and secure my mortgage. 

The matter is time-sensitive.
Product: Student loan

I discovered that my identity was stolen when I enrolled at XXXX XXXX XXXX of 2021. When I went to get help with filing out my financial aid, the financial director stated it was showing I already had funds and would need to recover my financial aid account and change the school to XXXX XXXX XXXX, with this being my first time in college I didn't know much about the process, so I called the Federal Student Aid, to recover my fafsa account and every time I would recover my account someone else would recover it back, I called fafsa, and I also called the IRS to let them know that someone had stolen my information, I called Nelnet, they ask me questions like was this my email they had on file, and the number they had on file, both wasn't mine, they sent me a packet I fill it out and sent it back, I sent evidence, with a police report, and they still will not remove it, I showed proof that I was enrolled at XXXX XXXX XXXX. I am paying for all of my classes out of pocket while another person is using my info, I even asked if they could freeze my account so the person who stolen my identity couldn't benefit off of me and they denied that action. I received a call from XXXX XXXXXXXX XXXX  asking me if I was trying to cash a Financial Aid for XXXX from XXXX XXXX XXXX XXXX. I told her no and asked if she could send me the void check as proof ; this person had the wrong date of birth and year. I called the school and talked with XXXX and, sent her the check with the police report, and told her my identity was stolen, and she removed this from my my credit report. so I don't see what the issue is with Nelnet ; they are not trying to help me they keep giving me the run around.
Product: Mortgage

Wells Fargo took over my mortgage loan previously with XXXX XXXX XXXX XXXX, Deed of Trust Dated XX/XX/XXXX, XXXX in a letter dated XX/XX/XXXX, it was brought to their attention that the borrower 's payments were being misapplied. Wells Fargo chose to apply payments intended for the Principal to place payments in suspense or either advance the payment due date, in both cases did not benefit the borrower. This practice was carried on by Wells Fargo from XXXX, the borrower attempted on many occasions to communicate with Wells Fargo by telephone for them to explain and correct the situation. 
Wells Fargo responded to the borrower in a letter initialing denying any adverse action had occurred with the application of his payments. Subsequently, when legal counsel was brought in Wells Fargo story changed and stated that the borrower had not provided written instructions so that Wells Fargo could make Principal Payments in accordance with the Deed of Trust. 
Matters were further complicated by Wells Fargo when responding to our questions and request not to foreclose on the property until Wells Fargo applied the principal payments correctly, In addition, explain why they cease using the COSI ( A Cost of ) Savings Index ( COSI ) without notice to the borrower and substituted with EURO Dollar Index which the Federal Reserve ceased publication in XX/XX/XXXX, and again XX/XX/XXXX. Relying on the last date of Publication XXXX, The attached letter by Wells Fargo dated XX/XX/XXXX, clearly gives notice of a rate change in XX/XX/XXXX, and a change to a new index LIBOR, as a result of the EURO Dollar Index not being published. There appears to be a significant gap in the dates, moreover, Wells Fargo answer sheet attached is not truthful about the changes which will not occur. 
Wells Fargo claims to have transferred the loan and " washing their hands '' The borrower is left out in the cold without any answers while a multi-million company still moves along running over and abusing their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my Transunion credit report that I have disputed. I mailed my disputes off XX/XX/2023, and Transunion received my disputes on XX/XX/2023. When I call to check the status of my disputes. The representative explains that they dont have my dispute letters I mailed off. However I mailed the dispute letters off disputing my personal information, negative accounts, and unauthorize inquiries that is listed on my credit report. I have not heard back from Transunion yet with any update on my dispute. After you send a dispute letter to the credit bureaus, they have 5 days to send something back stating the fact that they receieved your dispute and a investigation is underway. However Transunion have not sent me any notifcation that they have received my dispute. 

I also filed a FTC identity theft report as proof that I am a victim of identity theft and the hard inquiries Transunion is reporting on my credit profile is not authorized by me and to remove them. 

Attached is the return receipt slip as proof that they received my disputes, along with the dispute letters.
Product: Payday loan, title loan, or personal loan

this account is on my report XXXX close but still on my report
Product: Debt collection

Southwest Credit Systems  claims i owe over {$1000.00} on a phone bill!
Product: Credit reporting or other personal consumer reports

There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give XXXX, Transunion or XXXX permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry date XX/XX/20XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2023 Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in request with supporting documents to have a fraud alert removed from my credit report.