23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.
Product: Credit reporting or other personal consumer reports

My credit card was stolen from XXXX and the XXXX XXXX people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. XXXX MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with XXXX  They need to correct this NOW and alert XXXX, Experian and XXXX. NOW!
Product: Vehicle loan or lease

I applied for a lease with Tesla in early XXXX, my lease was approved and I picked up the car in XXXX of XXXX. Somehow this car was listed as a purchase by Tesla instead of a lease. Tesla has since repossessed the vehicle and refuses to honor the terms of the original lease. They are requiring me to now pay {$48000.00} for the purchase of the car. I put almost {$10000.00} down on this lease which included fees, taxes and my first monthly payment. I was told by Tesla that I would lose this money. I've tried several times to reach out to Tesla with no help.
Product: Debt collection

On XX/XX/2017 PORTFOLIO RECOVERY ASSOCIATES, add a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX  and XXXX. upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused dept at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit report with all of the three bureaus, I noticed that multiple inquiries were made by banks and lenders that I have not authorized to pull my credit and had no knowledge of it. Some of those banks include 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 trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

On XXXX I mailed to Experian their Dispute for identifying multiple errors. The first is an incorrect phone number. It is off by a digit and XXXX  agreed with me on an identical complaint to them and corrected the problem. Second, Experian has an incorrect spelling of my first name ; they have a version as XXXX, which leaves out the " r ''. XXXX  and XXXX  do not have this misspelling. Experian has two mispellings of my eployer 's name, a law firm. In one example they run together names without spaces between them and do not capitalize the names and do not have the full last name of one named partner ; In another they do not list all of the names of the named partners. During my employment the firm names have been : XXXX XXXX and XXXX ; XXXX XXXX XXXX and XXXX, another name with multiple names partners and, currently, XXXX XXXX XXXX and XXXX. Experian assigned a case number to my dispute, XXXX and by an undated reply, probably XXXX, denied my dispute. This is mind-boggling and evidences an historical and on-going inability or unwillingness to deploy care and attention to information. Now Experian has added insult to injury. Their response to me adds a new mispelling, of their own making. They now have my middle name as XXXX instead of XXXX. I now have located yet another Experian mistake which surfaced as I tried to create an account for myself with the IRS. As the IRS bases personal identification on what Experian lists and as that information is incorrect, the IRS, on line, would not recognize me as me. Experian has an icorrect number for my current mortgage account number. First they do not list all of the digits in the account and second, they have an incorrect digit. As Experian does not show all of the digits of the account number, they may well have additional digits with incorrect numbers. If I were a betting man, the good bet is additional errors.
Product: Credit reporting or other personal consumer reports

I just recently checked my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I attached some evidence XXXXXXXX XXXX XXXX  XX/XX/XXXX. the inquiry has no permissible purpose to be on my report due to violation of 15 usc 1681b XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX
Product: Student loan

I have signed up for auto debit. My auto debit was approved ( see attachment ). On XX/XX/21 I received notification that my payment was late because my auto debit was never processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX 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 an 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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX
Product: Debt collection

XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.
Product: Checking or savings account

On XX/XX/XXXX I mailed 2 checks from XXXX XXXX ( 1 drawn on Chase Bank # XXXX and the other on XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX to the attention of XXXX XXXX, Branch Manager. The purpose was to set up a XXXX XXXX earning 4.88 % Interest. The checks were never received. On XX/XX/XXXX The {$200000.00} check drawn on Chase payable to XXXX XXXX cleared my checking account even though there were insufficient funds available. Chase applied the overdraft protection attached to that account and cleared the funds from my money market account. The XXXX check for {$300000.00} was promptly returned for insufficient funds and XXXX XXXX was notified of the fraudulent attempt. Both Checks were stolen from the mail, was NOT endorsed and Deposited into a XXXX XXXX account in XXXX, XXXX. I was told that a claim was made by Chase to recover the funds from XXXX XXXX on XX/XX/XXXX. I have made several phone inquiries but always given the same response that it could take XXXX days to recover said funds. I have asked for written proof that XXXX XXXX was in fact contacted but have not received anything other than an acknowledgement that they did? The CLAIM # is XXXX. Please note a police incident report was filed with Chase. 
Both Chase and XXXX XXXX has to guaranty prior endorsements. Chase is making me wait for my money since XX/XX/XXXX!. 
Thank you XXXX XXXX
Product: Debt collection

I am filing a formal dispute regarding a collection account being reported by Credit Collection Services ( CCS ) for {$760.00}. However, I have been contacted directly by XXXX XXXX, the original creditor, offering a payoff amount of {$290.00}. This creates a major discrepancy and potential violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The issues : 1. Inaccurate Reporting ( FCRA Violation ) My credit report incorrectly lists a {$760.00} collection from CCS, while Progressive Leasing ( the original creditor ) is still attempting to collect only {$290.00}. 
If XXXX XXXX still owns the debt, then CCS should not be reporting it. 
If XXXX XXXX sold the debt to CCS, then XXXX should not be contacting me for payment. 
2. Potential FDCPA Violations by CCS & XXXX XXXX CCS is attempting to collect an inflated balance of {$760.00} that does not match the original creditors offer of {$200.00}. 
XXXX XXXX continues texting me despite supposedly selling the debt, which could indicate they have not transferred ownership legally. 
These actions may constitute misrepresentation of debt amount and double collection attempts, which are prohibited under FDCPA Section 807.
Product: Credit reporting or other personal consumer reports

I called Experian XX/XX/17 at XXXX. I asked for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative told me that they have to keep those addresses on my report. I asked her where in the law says that Experian can keep nonmailable addresses on my report? She told me that it's just policy. I asked her to transfer me to a supervisor. The supervisor repeats what the first representative stated and hung up the phone without any further questions or concerns. None of the representatives began the call with " this call is being recorded for quality assurance ''. 

I called again XX/XX/17 at XXXX. I asked again for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative said that he removed the XXXX XXXX XXXX XXXX XXXX, TX XXXX address. He also stated that he will not remove XXXX XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Acccording to 15 USC 1681 section ( b ) it states that " ... ... .consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' Experian is not reporting accurate and relevant information on my report which violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My name is XXXX XXXX of XXXX XXXX XXXX XXXX assisting my client, Mr. XXXX XXXX with his mortgage issue regarding Select Portfolio Servicing, Inc. known as SPS. Mr. XXXX loan number is XXXX and the property address is XXXX XXXX XXXX, XXXX ( Or XXXX XXXX ), CA XXXX. I recently got acquainted with Mr. XXXX after many years of him fighting a losing fight with SPS and after being placed on a 12 months repayment plan that doubled his usual monthly mortgage payment with a hefty balloon payment at the end of such repayment plan of {$88000.00}. According to Mr. XXXX, his usual monthly mortgage payment is {$2600.00}, but the 12 months repayment monthly payment was {$5200.00} and Mr. XXXX judiciously made these payments for the 12 months. Mr. XXXX have requested for loan modification or any loss mitigation assistance from SPS on numerous occasions, but to no avail, but instead, he has been threaten with foreclosures and have been actually been placed on foreclosure and it's currently in foreclosure after making the 12 months repayment plan that is actually a 24 months mortgage payment. I submitted the refinance to XXXX XXXX XXXX ( XXXX ), but was declined due to SPS submitted payment history and later attempted to submitted to XXXX XXXX and was also decline due to SPS placing the property on foreclosure and this was discovered when XXXX XXXX demanded for the credit supplement. SPS dealings with Mr. XXXX has been horrific, insensitive and unlawful. The placement of excessive fees on the loan, the balloon payment at the end of the repayment plan and the doubling of the repayment monthly payment is just inhumane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.
Product: Credit card or prepaid card

On XX/XX/2021 I sent notice to Wells Fargo that I was disputing a transaction on my most recent credit card statement The charge was unauthorized and was for {$150.00} on XX/XX/2021 I recived notice on XX/XX/2021 that Wells Fargo started to investigate the notice and that it would be resolved within 60 days. 

It has now since been 99 days, well past the 60-days Wells Fargo 's policies dictate to resolve these disputes and past the 90-days the Fair Credit Billing Act allows for the creditor ( Wells Fargo ) to resolve said dispute.

I have attempted multiple levels of escalation with Wells Fargo call centers, social media support team and executive customer service, all efforts have failed to remedy the issue.
Product: Checking or savings account

reported an unauthorized transaction of {$XXXX} on my debit card. However, I have never used this debit card for online or in-person purchases, ATM withdrawals, or any transactions other than wire or ACH transfers. Despite this, the bank denied my claim, stating that the transaction was " authorized because pin was used. '' Furthermore, the bank has been extremely unhelpful throughout this process. 
I have had to make multiple phone calls, only to be redirected repeatedly, with agents either not responding or providing no meaningful assistance. The bank has failed to properly investigate the dispute and has not provided any reasonable explanation for their decision. I am requesting that the bank properly investigate this fraudulent transaction and uphold its XXXX liability fraud protection policy, ensuring that I am not held responsible for unauthorized charges.
Product: Credit card

the account # is XXXX the Date it was opened was XX/XX/year> I would like this item removed from my from credit report completely. I did try and work with with them but and pay them on time. I was sick and lost my job and was unable to recover after this. I am XXXX with XXXX XXXX. I am unable to work anymore I am on XXXX now. I struggle to walk most days and stand up so I would just like to get this removed from my credit and not have this hanging over my head anymore. 



{$460.00}
Product: Mortgage

My current lender is " LoanCare '' and I am going through a refinance with a different lender. I have reached out to LoanCare about 15 times between XX/XX/XXXX and XX/XX/XXXX to learn how I will be receiving my escrow refund and have not heard from them. Their customer service line hangs up on me and is completely automated so I can't speak to an actual person. I have sent multiple online inquiries for which I have not heard a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) was the victim of identify thief. I co signed a family member student loan note and subsequently the family member used my information to obtain additional student loans without my authorization. In addition XXXX XXXX home loans, informed the three credit bureaus my home equity loan payment was late for the month of XXXX 2017XXXX, I contacted XXXX XXXX and XXXX XXXX issued a letter stating according to their records there are no records of a late payment for my home equity loan account. <P/>I have attempted to contact the three credit bureaus ( Experian- XXXX XXXX, XXXX XXXX XXXX and XXXX-XXXX XXXX. Emails for all three bureaus are inaccessible and all three credit bureaus phone number offer credit reports and I was unable to speak with a live person to raise my concerns.
Product: Checking or savings account

A few years ago when I had a Wells Fargo checking account money kept disappearing unexpectedly when I would look over my statement I would see unauthorized charges I called each and every time those charges showed up and told customer service I didn't make the charge I didn't authorize it but it was made and led to multiple overdraft fees having to be paid even though I wasn't causing the overdraft it got so bad I finally just gave up and told them to keep whatever was left in my account and I quit Wells Fargo
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice severally fraudulent account on my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$2700.00}, XXXX {$600.00}
Product: Credit reporting or other personal consumer reports

Dear LVNV Funding LLC, and XXXX, I have asked for a validation of this debt numerous of times. You have not, or refused to provide it to me yet. This account does not meet the requirement of the FCRA to be reported on my consumer report. I need for this account to be deleted immediately.
Product: Checking or savings account

I receive automatic deposit of the Child Tax Credit on a monthly basis, into my checking account at Chase Bank. 

The issue lies in that they DEPOSIT over XXXX dollars of their money into my checking before I receive the CTC deposit. XXXX weeks later, Chase removed the, over XXXX dollars from the account. 

It causes such volatility in my account, and they said by law they have to do this if the account is in the negative, before the automatic payment comes in for the CHILD TAX CREDIT. 

I have requested many times and the most recent was XX/XX/21 I called the bank and even spoke with a supervisor to no avail. 

They said I would have to request a check instead of having the automatic deposit. 

As a consumer, it is not ok for a banking institution to freely credit or debit your account especially, with their money, and it being mandatory.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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.