23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the beginning of XXXX we inquired about a home equity loan from Ladera Lending. The loan was changed to a refinance and a previous lien on our property was discussed due to a commercial loan for our family company. The loan proceeded without any future conversations about the lien, only noting that it would need to be paid off first. However, after we received the appraisal, the loan was changed, my business debt was added to the loan ( against my request and better judgement ) and the commercial loan with the lien was removed from the refinance list. Still the process continued and we signed closing documents on XX/XX/2018, with a contract that the loan would be funded on XX/XX/2018. However, late XX/XX/2018, we were contacted about the commercial loan with the lien and a denial of knowlege about it. Next, we were asked to contact the company for the commercial loan to ask them to temporarily remove the lien so the refinance would be in the first position but that company 's policy is to file paperwork for subordination. The refinance company said that they couldn't do that, FHA wouldn't allow for it. After several personal and Ladera Lending attempts and conversations with the commercial loan company, over a period of now more than three weeks, the lien is still there and the loan has not been funded. No paperwork for the lien to be removed was ever filed or proper procedure for that to happen was followed. Meanwhile, we were asked to stop automatic payments and not to send in XXXX payments on our mortgage, auto loans, and all credit cards ( including business credit cards ) as they were to be paid with the refinance. We did everything asked of us but now we are being contacted constantly by credit companies, our mortgage is late ( for the first time ever, ) as well as our auto loans. Not to mention the detriment this has caused to my company. A serious payroll delay, 3rd quarter L & I payment, insurance, utilities, and lease payments are among the damages I have been facing during this situation. If the loan will not be funded, we would like to seek restitution for the damage that this situation has caused, including letters to credit bureaus taking responsibility for the late payments. As well as, any legal fees required to resolve this matter. This did not only impact our family personally but also the reputation of a company and business owner.
Product: Credit card or prepaid card

On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.
Product: Debt collection

I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, Chase Bank initiated a foreclosure action against me in XXXX XXXX, Illinois, Case No. XXXX CH XXXX. My answer and affirmative defense was filed. I received a a XXXX settlement, Ref # XXXX in XXXX XXXX. In XXXX XXXX, Chase and I reached a settlement in which I received a cash payment and loan modification. A clear credit clause was not included because my credit was not affected. Immediately following the settlement, Chase reported approximately XXXX late payments to all 3 credit bureaus. Since payments were abated during the litigation, this reporting is inaccurate.The late payments that accrued are now over 7 years old. When I became aware of the issue, I filed disputes with at least two credit bureaus which were denied. I am legally unable to document this matter with the credit bureaus due to the non-disclosure clause in the settlement agreement. I contacted Chase credit department on XXXX XXXX, XXXX to resolve the issue and spoke with XXXX XXXX. My dispute was escalated and denied.On XXXX XXXX, XXXX, I spoke with XXXX XXXX and the matter was escalated. The manager I spoke with told me that I had late payments by looking at her computer screen. I explained the matter and she requested documentation. On XXXX XXXX, at approximately XXXX XXXX CDT, I faxed the attached documentation to Chase.The case was escalated to XXXX XXXX. On XXXX XXXX at XXXX XXXX, Chase employee XXXX XXXX admitted that XXXX XXXX composed a letter of denial on XXXX XXXX, prior to receiving the faxed documents. Chase has not used due diligence in its research and continues to cause me economic hardship, loss of billed time, and emotional distress.
Product: Mortgage

You attorney XXXX XXXX is lying, I never shouted on her. 

I can go through a lie detector test. 

This is absolute XXXX  and nothing else. 

I do not know being an attorney, how she has an audacity to lie. 

I would request you to change the law firm, so that this matter is handled in a better and efficient manner,
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX to XX/XX/year>, I fell victim to a multi-layered scam operation run by a clone company of TRADE NATION which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( XXXX ). 
I was contacted by girl, and I told her that she was under investigation and that they were stealing her identity. At first, she told me she will help me to get the money back, I told her since " Trade Nations '' were investigating and was a fraudulent company. Then the scammer changed her name, because I knew she was a con artist. After that, she contacted some people in my business as well. I was on video chat with her, where it was exactly her, like on the pictures, so I know that this is a real person. 
Ever since I said that IRS want me to say that I want to want to pay my taxes, and they want to know where does it going to. I told her to do the same, so we can bring this fraudulent company " Trade nations '' down, and get the money out. Then she changed her name again. I asked " Trade nations '' who do I wire my taxes to, and they kept delaying. After that, this lady got back to me again asking me if I paid the taxes, and when I said I've been trying to, but they won't get back to me, she asked for a screenshot as a proof. 
Then, she said that she has a choice to ignore me or blackmail me. The scammers wanted me to pay my taxes so I can release my money out. 
When I started to trade with them, they let me withdraw some amount of money, just so they can convince me that this will work. 
She was convincing me that she wants to help me to get my money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

It has been 2 times in the last 4 months that my accounts with Wells Fargo has been comprised. The second time someone was able to get my debit card number and spent all my money. I filed a claim with Wells Fargo about the fraudulent transactions and filed a police report. Wells Fargo still does not want to help me because according to them those transactions are valid.
Product: Debt collection

This number is continuously calling me multiple times a day and not ever leaving a voicemail. I dont answer because I am assuming it is a scam since they are not leaving any messages as to why they are contacting me. I have called back once and it is an automated American Express message asking for my social security number. I am nervous to give my personal information over the phone since I have not received any other forms of communication from them ( letter, messages etc. ) I did search the phone number and it says its a possible debt collector but I am not sure. I have never missed a payment on my American Express credit card and am paying it off so I do not understand why they would be contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). 

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. 

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. 

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. 

Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.
Product: Consumer Loan

Sunloan is posting notices on my security door to apartment with personal info on it and releasing personal info to people on the phone when calling trying to get in contact with me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX completed a hard inquiry and I did not authorize this inquiry. I want it removed. I have not used them in years and they need to stop looking at me. I did not authorize them to do so.
Product: Checking or savings account

I am writing to express my frustration and request clarification regarding the recent closure of my checking account. I recently reached out to Capital One to understand the reasoning behind this decision and was informed that it is related to an unresolved dispute stemming from the loss of my credit and debit cards during a recent trip to XXXX on XX/XX/year>. 

While I understand the importance of maintaining security, I find it deeply concerning that my checking account was closed before the dispute was fully resolved. This decision has caused significant inconvenience, as I am a law student who relies on this account for essential daily transactions. 

It is particularly perplexing that my credit card remains active, yet my checking account was closed without resolution of the claim. I respectfully request a thorough review of this matter and ask for a clear explanation of the policy and decision-making process involved. 

Given the impact this has had on my financial stability, I would like to pursue a deeper investigation into this situation. Please advise on the steps I can take to escalate this matter. 

Thank you for your attention to this urgent issue. I look forward to your response. 

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

I have request Transunion supply me with original documents with my name, signature, DOB, address and any other legal identification connecting me to these accounts. It has been past the standard 30 days and have NOT received anything my physical mail. 
I am still showing accounts and hard inquires on my account that I have requested to be removed. 
XXXX XXXX XXXX  {$490.00} ( I did receive a mail copy from Transunion stating this item was DELETED however it is still showing on my report. ) XXXX XXXX XXXX {$1300.00} XXXX - XXXX {$21000.00} XXXX XXXX XXXX - XXXX {$3500.00} XXXX - XX/XX/XXXX {$1800.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX - XX/XX/XXXX {$6800.00} XXXX XXXX XXXX - XX/XX/XXXX {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX {$3500.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX$3500.00} There is also hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested numerous times to have all of these removed from my report as this is HIGHLY effecting my score and the future of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute w/ Transunion regarding an inaccuracy on my credit report w/ the US Dept . of Education. I received a response from TransUnion on XX/XX/XXXX stating they conducted an investigation and verified the information as accurate. 
My student loans were successfully rehabilitated w/ the US Dept . of Education and were taken out of default status and were to no longer report negatively on my credit according to the terms of my rehabilitation agreement w/ the US Dept . of Education as of XX/XX/XXXX. Also, according documentation sent to me from the US Dept. of Education, my account has been assigned to XXXX XXXX to further resolve the debt, again according to a letter dated XX/XX/XXXX. TransUnion is reporting that I owe a debt to the US Dept. of Education in the amount of {$23000.00}, when in fact, I don't owe them anything due to the rehabilitation and the reassignment of the account. TransUnion 's reporting is now stating that I owe more debt than I actually do and this account is showing as almost 12yrs old. I placed a call to them on XX/XX/XXXX regarding the inaccuracy they're reporting and the representative attempted to tell me that the information was correct. I voiced my disagreement and informed her that I had documentation to support my claim and that I wanted the almost 12 yr old info removed from my report. Again, I was told the investigation was verified and the report is accurate and was dismissed. I'm requesting the CFPB to please look into this matter and rectify the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA.

The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

On   XX/XX/XXXX ,   Hurricane   XXXX  destroyed my home. I was evacuated and currently reside in FEMA transitional housing. I contacted Bank of America,  XXXX   XXXX   XXXX  in   XX/XX/XXXX  to  notify them I  FEMA  evacuated me, rendered my home dangerous and uninhabitable. I also gave them a copy of the City of  XXXX  storm water report,  XXXX   XXXX   XXXX   XXXX  report and NC  XXXX   XXXX   XXXX   XXXX  report. In short, when the  XXXX   XXXX   XXXX  levy broke, the water eroded the ground under my home and its now falling off a cliff.   Bank of America has continued to FORECLOSE my property knowing that the home is on the FEMA but out list in  XXXX  NC. There predatory lending practices and negligent updating of my records has ruined my credit and no one will rent me and kids a home. Ive been Homeless sinc e  XX/XX/XXXX . Ive asked for a Discharge of this Debt and they refused and s erved me toda y  XX/XX/XXXX  with Foreclosure paperwork. Bank of America is forcing to pay for a   condemned home when they can Discharge the Debt due to  Hurricane   XXXX .      XXXX   XXXX   XXXX   XXXX  also failed me miserably. I signed forms for them to assist and advocate for me and they DID NOT facilitate my request. My worker  XXXX   XXXX  refused to follow  NC Disaster Legal Service  rules for Natural Disaster even when I told him to do so and provided him the steps. He requested I sign a short sale form for my home with " NO '' resale value. That neglect action furthered my Foreclosure status. They are contracted by NC and receive funds to help  Hurricane    XXXX  Victims and that 's not being done by  XXXX   XXXX . He should be reprimanded for making such fatal mistakes.     My credit and my life has been ruined due to these agencies. I cant rent or buy another home. At no time should a condemned home on the FEMA ACQUISTION LIST be foreclosed on. We lost enough and now Ive lost the ability to rebuild my life. I 'm a  XXXX  Veteran with  XXXX  kids and I just want my own place to live again and stability for my kids. The agencies were suppose to help and instead they 've destroyed my sanity, credit and lively hood. Ive been diagnosed with  XXXX  and  XXXX  since  Hurricane    XXXX .      XXXX   XXXX  has also ruined my credit and failed to protect Hurricane  XXXX  victims. I turned in my Van due to  Hurricane    XXXX  damage and they listed on my credit as a volunteer repossession. I called them to come get if because of storm damage. I want that debt discharged too. I should n't have to pay for that.     PLEAE HELP ME!!! PLEASE CALL ME WHEN YOU RECEIVE THIS , IM TIERD OF FIG HTING THEM TO DO RIGHT BY ME.      XXXX   XXXX   XXXX   XXXX  loan #  XXXX  email :  XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Page eight of the attached Equifax credit report states that I was formerly known as XXXX XXXX XXXX. This assertion is FALSE as I have never been known by that name. I have attached my birth certificates ( which were NEVER amended ), my social security card, my ID, and a recent utility bill. Please remove the name XXXX XXXX XXXX from my credit report. Additionally, my student loan appears twice on my credit report on pages twenty-five and twenty-six. The XXXXDept of Ed and the XXXX  XXXX XXXX Loan are one in the same. Please remove the XXXX  XXXX Education Loan on page twenty-six of the attached credit report.