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

RE : File # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Experian has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Experian does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I saw a collection on my credit report from XXXX I contacted the credit bureaus and advised them that I never owned a XXXX card, they investigated and removed the collection. Now XX/XX/XXXX I received a wages garnish judgment from Midland original debtor XXXX. The collection or judgment is not on my report I never received anything to report to court.
Product: Debt collection

Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.
Product: Credit reporting or other personal consumer reports

I disputed a few items i seen on my credit report and they did not give me any information just responded back that the information was accurate
Product: Mortgage

To whom this may concern, I would like to know what happened with the money I sent {$68000.00} to pay my loan # XXXX on XX/XX/2021. 

This loan number corresponds to XXXX XXXX XXXX XXXX, CA XXXX. 

The morgage company information is : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX I called every single day, but nobody answer phone calls. 

I have sent plenty of emails and faxes, but no answer either. 

I am sending copies of my payment through a wire transfer. 

Thanks for letting me know why my loan is not payoff yet. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please see these accounts are corrected : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00} and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7600.00} ; The credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please update. this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The owner of the loan denied the Loan Modification. I applied 3 times and the modification was denied
Product: Mortgage

I recently moved from XXXX to XXXX. I sold my house in XXXX  and applied for a home loan with USAA, whom I prefer to do business with usually. However, the Loan Officer ( XXXX XXXX, NMLS ID XXXX ) they assigned to me appears to be incompetent and negligent in his duties. I am a licensed professional and was offered a job with an agency in XXXX doing contract work but I knew that lenders might not consider that form of employment when applying for a loan. I explained to Mr. XXXX that my new job would be a " W-9 '' position instead of a " W-2 '' position. He told me I would be okay to get a loan with that job as long as the employer provider a letter stating how much I would make working for them full-time. As a result, I accepted the job, sent him the letter, and completed the home loan application. He sent me a pre-approval letter on XX/XX/2020 in the amount of {$400000.00}. I contacted a real estate agent and started searching for homes. Then, about a week later, he called me to ask if my job was a " W-9 '' position and when I reminded him that it was, he stated that I was no longer qualified for a home loan of ANY amount. He told me I needed to find a W-2 job in order to get a home. I had to resign from my new W-9 job and find another a new job. After several weeks of applying, I was  fortunate to be offered a " W-2 '' job with another agency. Unfortunately, the W-2 job paid significantly less than the W-9 job I had to resign from. As a result, Mr. XXXX informed me I was not approved for {$400000.00}. However, on XX/XX/2020 Mr. XXXX sent me two pre-approval letters, one in the amount of {$300000.00} and one in the amount of {$320000.00} ( with a {$20000.00} downpayment ). Additionally, he sent me another pre-approval letter on XX/XX/2020 for the amount of {$370000.00} with several other stipulations. However, later on the same day, he contacted me to ask me what the " third source of income '' I allegedly reported to him was in the amount of {$630.00} per month. I advised him that I never told him about a third source of income and he stated that he wouldn't have just written it down if I had not said it. When asked why he didn't ask me what the third source of income was AT THE TIME I allegedly said it, he could not answer me. Long story short, he has approved me for home loans FOUR different times and has then gone on to retract those offers all four times due to HIS mistakes. The emotional roller coaster he has put me and my family through is completely unforgivable. His actions and poor service are unprofessional, unacceptable, and negligent. I asked to speak to his supervisor and he directed me to his email signature. I called his supervisor ( XXXX XXXX, NMLS ID XXXX ) and of course, he did not answer his phone. I would be shocked if there were not more complaints against him already.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has furnished data to Transunion and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Product: Payday loan, title loan, personal loan, or advance loan

This lender approved a personal loan for {$30000.00} on XX/XX/XXXX. Loan agreements were signed. Prior to receiving any dispersement of funds, the lender required either a voided check ( which I don't have because I haven't used checks since XXXX ) or a bank verification letter. 

The latter took approximately XXXX weeks to acquire from my banking institution. In that time period, the lender deemed my account inactive (? ) and cancelled the loan. I discovered this when, after acquiring the verification letter, I was unable to upload the document in their web portal. 

I was instructed to reapply using the same portal and upon doing so I received ongoing Adverse Action notices that are entirely incorrect ( insufficient credit history even though I have XXXX  years credit history, insufficient credit score even though I have a XXXX score, etc... ). I have never received Adverse Action Notices until this personal loan was cancelled. 

These Adverse Action Notices are now appearing across all lenders even though they are inaccurate. I have contacted XXXX to check if there are any notices on my credit report and there are none. I have tried to resolve this with the lender directly for XXXX weeks. Their customer service representatives are unable to fix the problem on their end and can not /will not tell me the problem.
Product: Debt collection

{$1100.00} was withdrawn from my savings account fraudulently by XXXX XXXX. I disputed the transaction with my bank and the charge was reversed. I was later turned over to a collection agency, TRS and Telecheck. I contacted TRS and submitted the dispute form online. I received a paper dispute form because I was told they needed a signature. I filled that out, including signature, and returned it. I have since received another dispute form. I have filled the dispute form out no less than 4 times ( twice electronically and twice paper ). I have no other information about this transaction because its not mine. Ive previously called and was told to either pay it or fill the form out which I have done on multiple occasions.
Product: Credit reporting or other personal consumer reports

XXXX did correct some of the errors on my record and we have made progress but they continue to allow the 4 companies in my attached letter to report information that in inaccurate. I have followed proper procedure, produced evidence and provided legal basis 's to them as to why their reporting is inaccurate and must be corrected. It can be summarized as follows : 1. Reporting an account charged off with a balance is patently and legally false, as it is NOT owned by the company reporting it month by month after the charge off and sale 2. Reporting late payments on a charge off for the exact same reason as # 1 3. Reporting the worst status as charge off is also false, as the company made that choice, I did not choose this, so this needs to be corrected 4. Numerous times on a single record shows late payments, which is used as a punishment by these companies and they are breaking the law knowing reporting false information for that reason.
Product: Credit reporting

One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.
Product: Checking or savings account

I deposited a check given to me from my aunt with a teller at my bank, Wells Fargo. Wells Fargo then froze my account, claimed the check was fraudulent and my account is now pending being closed and I have no access to the funds in the account, totaling {$65000.00}. 

This check was not fraudulent and my aunt called and cleared this check with her bank, XXXX XXXX XXXXXXXX. There is NO HOLD ON THIS CHECK from XXXX XXXX XXXXXXXX. Unfortunately my aunt passed away before being able to obtain a notarized letter from XXXX XXXXXXXX XXXX. However I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her XXXX 

Wells Fargo has frozen my main bank account and made it unusable. I am the XXXX for my aunt 's XXXX XXXX XXXXXXXX account. This process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks due to probate court. My Wells Fargo account will be closed in 10 Days because of this check. This is where I get my paycheck deposited, pay bills, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and are not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Debt collection

I did not receive any notification from this company about any debt of any kind. I only saw this when they put a collection on my credit report. I have no knowledge of this debt and they have never sent me any information of any kind
Product: Checking or savings account

The bank closed my account and they took away rom us {$2800.00} and just giving us no reason
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

Paypal credit through synchrony bank changed my credit due date unilaterally, without my knowledge or consent. Then they charged me a late fee because I made a payment on the date I have in my calendar, which turned out to be one day late. I believe this is a deceptive emerging pattern of practice because I always pay off this particular card within XXXX mo of purchase because they offer 0 % interest if paid off within 6 months of purchase. By changing my due date, they can then start charging me back interest due to an alleged breech of terms. Please look into this CFPB
Product: Student loan

XXXX / XXXX /  XXXX   - I am a co-signer on my daughters  Navient Student L oans. We have been trying to get the payment lowered to an amount that is financially possible based on her income. They currently have her monthly payment at {$1200.00} a month. Today we called and asked again about lowering the monthly payment and we were told that she has  3 mo re months of forbearence and that we could n't speak to anyone in collections until she has utilized all the forbearence that they offer. This will only lenghthen the time of the repayment period as well as add interest and therefore increase the monthly payment. We also inquired about co-signer release, which we were told that she would need to ma ke 12 con secutive payments to release the co-signer but after the co-signer is released they still  may not d o an income based repayment for her anyway. So as of today we put it back into forbearance which is adding on interest and the amount of the monthly payment to go up. We need to recify this and get the payment to a doable amount per month for her. How can we do this? Please help.     Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank issued a Citi Secured Mastercard to me secured by a {$1100.00} Collateral Holding Deposit. On XX/XX/XXXX, I sent a letter to Citibank requesting that my secured card be transitioned to an unsecured card and my {$1100.00} deposit be returned to me in full. 

On XX/XX/XXXX, Citibank sent a letter to me within which the company stated " We respectfully decline your request to release the Collateral Holding Security Deposit. '' This constituted an adverse action in response to my request of XX/XX/XXXX to transition my secured card to an unsecured card. In taking this adverse action, it appears that Citibank : 1. Engaged in an adverse action as defined within the FCRA 15 U.S.C. 1681 603 ( k ) and the ECOA 15 U.S.C. 1691 701 ( d ) ( 6 ) as implemented by Regulation B of the Board of Governors of the Federal Reserve System.

2. Violated provisions of ECOA 15 U.S.C. 1691 701 ( d ) as a result of engaging in the adverse action. More specifically : A. If Citibank based its adverse action upon some alleged deficiency lawfully attributable to me, none was cited and lack of disclosure would appear to constitute an unlawful impediment to my exercising of my statutory rights. 
A. If Citibank took actions to seek and obtain information about me from parties external to Citibank, none was disclosed as required by federal statute. The lack of disclosure would appear to constitute an unlawful impediment to my exercising my statutory rights.
Product: Mortgage

My loan was transferred to Amerihome the end of XXXX to start payments in XXXX. 

I have another mortgage currently being serviced by Amerihome and do not have issues with it or viewing/accessing the account online. 

I have attempted over 20 times to set up the new/second mortgage online to be able to access my account/make payments/etc ... to no avail. 

I have called Amerihome a min of 5 times to resolve this issue and nothing has happened and no resolution. 

6 weeks later and I still can not access my newest mortgage account online to make payments, view my escrow, or set up auto pay.
Product: Credit card or prepaid card

The amount due for my Macy 's bill, payment due date XX/XX/2020 was {$170.00}. However, there were charges for {$100.00} and {$64.00}, respectively, a total of {$160.00} for merchandise that was ordered but not received. Therefore, I sent in a payment in the amount of {$9.00}, which was received on the payment due date. 

However, on my next bill, bill payment due XX/XX/2020, I was not credited in the amount of {$160.00} for merchandise ordered but not received, as indicated above. As a result, in addition to not crediting me in the amount of {$160.00}, Macy 's assessed an interest charge of {$3.00}. In addition, Macy 's also assessed me a late charge of {$28.00}, even though the payment I submitted was submitted and received on the due date.
Product: Student loan

I am writing this to ask for full discharge of all of my student loans that were previously managed under Navient. Navient has crossed the line with their misrepresentation of how a loan company should act towards their customers, their deceptive practices, and failure to provide their previous and current customers proper guidance regarding loan repayment. 

Navient has misled me by not giving me the adequate information regarding the income- driven repayment plan. The customer service agent on the other end of the phone calls that were supposed to be experience in their job never informed me of all the different options that were available for me at the time of my multiple calls to get the best relief inorder to start my repayment. I was repeatedly offered to go back into forbearance. If I had known all my available options at the time, especially more about non-profit forgiveness I would not be writing this letter. I definitely was not aware that I needed to annually recertify my enrollment. 

Navients conduct has caused financial harm, sleepless nights worrying about how I can afford to pay back these student loans, especially when they are unwilling to work with you. Yes, I XXXX, and I thank XXXX allowed me to finish, but the amount of my student loan, and with the interest topped on it very difficult to be able to afford. At the end of the day, I relied on Navients guidance when I trusted them to provide me advice. This misconduct has caused me financial burden in more ways than one, and I ask that my Navient loans be fully forgiven. 

Thank you for considering my request. I hope that CFPB will take action and hold Navient accountable for these actions and provide borrowers with a fair resolution.
Product: Mortgage

On XX/XX/XXXX XXXX Bank took {$680.00} out of my escrow account to take out a flood insurance policy with XXXX. XXXX Bank has had a copy of my Flood Insurance policy with XXXX since they purchased my loan from XXXX XXXX XXXX in XXXX of XXXX. I have submitted copies of the flood insurance policy sent several messages and called the customer service number. Through the online messages, calls and letters I was informed that XXXX refunded the {$680.00} to XXXX Bank, but XXXX Bank accidently funded another customer 's account my money. Last they responded they were expecting to have the money in my account by the end of XXXX. The {$680.00} has not been refunded. It is now XX/XX/XXXX.
Product: Debt collection

TO WH

OM IT MAY CONCERN : 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 the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have sent off my letter on XXXX XXXX and XXXX of XXXX told the credit bureaus to do a proper investigation every piece of information on the accounts I have listed below.Also consumer reports means a consumer report or portion there of and which information on consumers character general reputation personal characteristics or mode living is obtained through personal interviews with neighbors friends or associates of the consumer reports or with others with whom is acquainted or who may 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 also every piece of information on these accounts are still not reported 100 % accurate and according to FCRA 15 USC 1681 everything has to be accurate credit acceptance XXXX XXXX account self capital account cba XXXX XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a account on my credit report that does dont belongs to me this is identity theft. account number XXXX need to remove from my consumer file
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Vehicle loan or lease

Claim # XXXX Date Of Loss XX/XX/2019 This claim was settled with Credit Acceptance for {$2700.00} on XX/XX/ with XXXX XXXX and they are still trying to collect the balanced and the insurance company stated that the account was settled with them. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.