23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.
Product: Checking or savings account

Nearly {$9000.00} was inexplicably taken from my checking account on XX/XX/XXXX by my own bank! As of today, XX/XX/XXXX it has not been returned to me despite reporting the transaction days ago. This has caused me to have a negative balance and not be able to pay numerous bills including my heating bill. I'm told that because of this my heating will be turned off soon.
Product: Debt collection

On XX/XX/2023, I got a call from Radius Global. They called to collect a debt that my husband owed before we got married. I am not liable for any debts from before our marriage, which was last week. This debt was two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received a letter from the Federal Trade Commission stating that they are suing Ameritech Financial, the business I have been paying for my student loans. I'm scared of that this means and trying to understand if I am involved in a scam, where my money went, and how to get out of it. I've been paying them for 2 years and the letter states that it has not been going to my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and completeness of this account on XX/XX/2022 DISCOVER BANK certified and verified that the information being reported is accurate. After DISCOVER BANK verified the information as being reported accurate, I pulled my Experian consumer report and noticed that the information is still incomplete and inaccurate. It's clear that DISCOVER BANK failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and XXXX XXXX  XXXX is liable under 15 USC 1681n and 15 USC 1681o .
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.
Product: Checking or savings account

Fifth third bank offer overdraft protection for 24hr to cover you overdraft without charge for 24hr that why I sign up, now been charge a lot of money for those charges, they even trnfer money from my other account to cover overdraft without my consent they stole from me around XXXX dollars now nobody can help me solve this situation they are scammers they offer something they get you money without hesitation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX West XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX
Product: Credit card or prepaid card

I, the consumer and natural person was denied an extension of my credit by American Express Company after I submitted an application in good faith for a Platinum Card. 

Adverse action is against a consumer is AGAINST THE LAW according to The Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

American Express Company is criminally liable for violating 15 USC 1691 as I have proof that I was discriminated against by American Express Company due the response I received. 

American Express Company is in violation of 15 U.S. Code 1642, U.S. Code 1681m, and 12 car 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my credit card ( Social Security Card and Application ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express Company. 

I have already sent notice to American Express Company on XX/XX/2023 and have yet to receive a response as of XX/XX/2023. 

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

XXXX XXXX XXXX is in Violation of 15 USC 1692c ( c ) 2 & 15 USC 1681b
Product: Checking or savings account

I received notification at my childhood address with my maiden name on it claiming I opened an account at Huntington which I didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and the others will be making money from the victims of the Equifax fraud as the solution, freezing the account, costs money. Equifax should not onlyl pay for each of these freezes and subsequent defreeze, but also set up a fund for the victims. 
Please do n't allow yet another fraud on the consumer victims be paid for by the victims when the responsible party gets away Scott free.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am a med school student and I use a Wise account to pay my tutor. Last week, my payment to my tutor was frozen because my bank stopped it because of a mistaken fraud alert. Since then, my Wise account has been frozen because Wise wants to payment for this transfer which is understandable, but they only accept this payment via wire transfer. I have already talked to my bank to resolve the suspected fraud issue, and Wise is able to retry the transaction from their end. Unfortunately, Wise refuses to retry this transaction and is insisting on a wire transfer ( which is {$30.00} from my bank, which is very expensive me ). Wise is also threatening legal action if I do not do the wire transfer which is expensive for me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and Im unsure why. I routinely check my report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I kindly request a thorough review of the documents I submitted so I can stop worrying about this matter.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 causer to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a recent charge off showing on my Experian credit report. I explained that I am a victim of a declared disaster as I am currently unemployed due to the pandemic. I contacted my creditors to explain this hardship, and 2 of them set up payment arrangements. One of those creditors took the payments but still charged the account of. They also did not flag my account as being a victim of a natural disaster. Experian claims they investigated, in 2 days, and that the creditor confirmed that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX Liability : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS REVIEWING MY CREDIT REPORT I NOTICED SEVERAL ITEMS THAT DON'T BELONG TO ME ARE FRAUDULENT AND UNAUTHORIZED FOR CREDIT PURPOSES. I AM REQUESTING THE INQUIRIES BELOW BE REMOVED BECAUSE THEY ARE INACCURATE, UNAUTHORIZED, AND NOT MINE. 

XXXX XXXX XXXX XX/XX/XXXX ACCOUNT WAS NOT AUTHORIZED XXXXXXXX XXXX  XXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXXXXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXXXXXX THESE ACCOUNTS WERE NOT AUTHORIZED AND NEED TO BE DELETED FROM MY CREDIT REPORTS. ACCORDING TO THE FCRA, LEGALLY THESE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED.
Product: Vehicle loan or lease

Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. 

My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of incorrect accounts from my credit report. Could you please verify the documents? The inclusion of inaccurate accounts is unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Product: Checking or savings account

Funds were available in account during all transactions were processed except 1 XXXX {$14.00} XX/XX/22 Yet I was assessed XXXX overdraft fees starting from XX/XX/22 & 1 was from Truist banking fees yet terms & conditions states is only for debit card transactions? so 6 fees over 1 transaction? Extremely unfair! & upon calling customer service I was told I have had previous fees removed? Impossible as this Is a brand new account
Product: Mortgage

The lender has failed to provide a response to the QWR request that was sent as of  XXXX / XXXX /   2017 - The lender also failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).
Product: Student loan

In XXXX XXXX, I was contacted by XXXX XXXX, based in Mississippi, about consolidating/refinancing my XXXX XXXX student loan, which had a relatively low fixed interest rate. The XXXX offer included a 0.25 % discount for signing up for ACH withdrawal linkage, as well as a 1.0 % discount for on-time payments. When I originally spoke with the loan officer, the loan was to be reamortized over 30 years. However, by the time Within a short time, XXXX was acquired by XXXX XXXX XXXX XXXX XXXX XXXX This transfer did not affect my payment schedule. Then in XXXX, XXXX was acquired/sold the loans to XXXX. At this point, my payment was jacked up from $ 200/month to $ 300/month and the amortization changed from 30 years to 20 years. 

Not long later, the note was transferred to XXXX. Then it was transferred to XXXX. At this point, XXXX raised my interest rate to 4.50 %. I attempted repeatedly to resolve the matter, but their XXXX XXXXervice reps always refused to hear my complaint or to escalate the matter. They also refused to provide the complete original loan documents including the Promissory Note and Amortization Schedule. I informed them that they assessed my loan as ~ {$10000.00} more than I owed. 

Then this summer - XXXX - my note was transferred to Nelnet. NelNet claims that my interest rate stands at 5.5 %. They are unable to provide any documentation about my loan. The federal government 's website, http : //studentloans.gov, also comes up empty when I search for any promissory notes or amortization papers. 

According to my estimate, my student loan was paid off this summer, in XXXX XXXX. Therefore, I have overpaid NelNetXXXX by ~ {$600.00}. I hereby request a full refund of the amount I overpaid, and to have the debt eliminated from my credit reports, declaring the loan PAID IN FULL. 

I look forward to your response. 

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

NO XXXX XXXX for this dispute and I repeat do not use XXXX XXXX. Hello my name is XXXX XXXX I am in fact a natural original person. I am sending this complaint in regards to several accounts I have notice to be fraudulent and inaccurate. XXXX XXXX, XXXX XXXX. I have no prior knowledge as to why this is reporting on my consumer report. I have filed a lawsuit against XXXX XXXX along with Equifax, XXXX and XXXX. You shall be receiving a notice from the Attorney General and The XXXX Court House. My rights to privacy has been invaded and I am very distrait to the situation and I am not a happy individual. I am only allowing 48 hours and I will follow up within 3 days. This is my final attempt to resolve this matter or else I am going to litigate this situation. I have sent 2 Affidavit notice and certified mail with court documents more than 90 days ago the FTC report is attached. Do your due diligence and take this matter very seriously as it pertains to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Product: Checking or savings account

On   XXXX   XXXX   XXXX     my Bank of America checking account balance was {$240.00} my balance on   XXXX   XXXX   XXXX     went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on   XXXX   XXXX   XXXX     (  XXXX  ) and, I have not heard from the bank yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 these are result of fraud and should be removed
Product: Credit reporting or other personal consumer reports

Would like free copy of my credit report pursuant to my right. 

Attached are copies of my drivers license and social security card. 

My mailing address is XXXX XXXX XXXX, XXXX PA XXXX. 

Please update address on my credit report,
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports 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