23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Two weeks ago I received a late notice. When I immediately called, I was told that my auto-draft did not come out of our account for XXXX. There was no explanation of why this happened AT ALL. I gave full payment that same day, and I was told the issue had been escalated and someone would contact me. No one ever did. I called again last week and was told that the previous person had not correctly applied my new payment from the week before. Yesterday I then received a notice of default in the mail. I am EXTREMELY upset about this. When I view my account online it appears to be current, with nothing overdue and no late charges. I requested via phone and email on XX/XX/21 that they furnish in writing ( email or hardcopy ), confirmation that my account is current and that there is no late payment recorded. After over 30 minutes on hold I was told I would get the requested email that same day ( XX/XX/21 ) detailing that we are not and have never been late or in default. That email did not come and I received a 2nd letter of default via US Mail and notice that they had contacted RI Housing. 

Here 's the history of my multiple attempts to straighten this out : Called on XXXX/XXXX/21, 51 minutes. Initial person I talked to ( XXXX ) said he or his supervisor would call me when they were done investigating and they never did. He also gave me his direct line, which was just the same number that is on the letterhead. He also gave me an employee code to use to get him directly, and when I called I was told that they had no way of putting me in touch with him, that they dont have direct lines. 
Payment taken in full on XXXX/XXXX/21, cleared from our bank account on XXXX/XXXX/21. Default notice is dated XXXX/XXXX/21. 
Called on XXXX/XXXX/21, 27 minutes. Person I talked to said that XXXX had not properly applied my payment from XXXX/XXXX/21. 
Sent above request via online form on XXXX/XXXX/21. Received a reply saying to call the XXXX number. Called on XXXX/XXXX/21.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX  XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX to remove and block these items.
Product: Credit reporting or other personal consumer reports

I request that you delete these inquiries. I have no knowledge of them, and the company conducted them without my consent.
Product: Credit card or prepaid card

I received a Vanilla VISA gift card ( issued by The XXXX Bank ) in XX/XX/2018 and the card is invalid when we tried to use it and tried checking the balance at the Vanilla Gift website and the phone number provided. I was not able to reach a person via the phone number. The gift card is valued at {$200.00}.
Product: Checking or savings account

I attempted to open an account through sponsorship in XX/XX/XXXX. I received a message that I couldnt open an account online because of security reasons. I found out I had been a victim of identity theft and in XXXX  someone attempted to open and account in my name. Resulting in a profile being created with Navy Federal. After finding out I spoke over the phone with a security team member who advised it would be a good idea to go in person to a local branch. After doing so I successfully was able to open my accounts. 1 checking and 1 savings. I made my initial deposit and everything was fine. Less than 24 hours later my account was locked and I was blocked from having any access. I later found out due to the on going investigation for the fraud that was committed they locked my account to investigate. Fast forward I receive confirmation over the phone and several apologies for the repeat mistakes and federal violations that Navy federal had committed. I was told to go into a branch again to complete my account opening and have said repaired funds transferred. I did that today XX/XX/XXXX. After two hours of waiting and calling and going in circles. I was still unsuccessful opening my account and they werent willing to return the funds I deposited to that exact location previously. Management there didnt want to talk to me and told me to wait in the lobby after I waited in que for 45 minutes prior. This by far is the worst representation of a company and the discrimination against me and my accounts was felt. Several federal laws have been broken by this financial institution. I plan to seek monetary damages for my trouble.
Product: Checking or savings account

I complained to XXXX  against employer XXXX not retiring me or employing me in XXXX and in XX/XX/XXXX i was harassed by uS CBP XXXX XXXX at XXXX airport against my wishes forced to sign i-407 and prevented a XXXX settlement given to maintain wellsfargo account. a cousin XXXX dying very young in XXXX distracted me and i expended some time in XXXX XXXX. there was no reason for the criminals in us cbp to harass me and force me to sign i-407. this is the XXXX year. I could have been retired as a yogaguide in XXXX and settled in Usa with wellsfargo and suspects citigold relation i had and XXXX  XXXX offices and criminals using XXXX surname and their police and immigration authorities. They restricted XXXX from entering XXXX  and being with me and now my mother is dead and i dont know where she is or being helped
Product: Credit reporting or other personal consumer reports

Over the past XXXX  years, I have been disputing invalidated, incorrect information on my report from creditors. I have furnished evidence proving that the creditors are not validating debt and that the information provided by creditors is incorrect. They have not conducted reasonable investigations and they have even ignored debt being reinserted into my credit profile. They have only sided with the creditors without any evidence that the debt was valid. They have failed to conduct reasonable reinvestigations and failure to reinvestigate.
Product: Mortgage

QUICKEN LOANS IS KNOWN FOR FRAUD AND FORGING DOCUMENTS. DOJ has sued them several times for some of the same things they did to me. I tried canceling the mortgage for the first 3 days by calling, emailing and overnight USPS all ignored by company. Then they sent the check to my brother instead of me. They refused to allow me to consult an attorney. They also altered the closing documents. They committed fraud and forgery. They lied on the closing documents claiming they paid off my HELOC but never did but included it in my mortgage and the HELOC Bank sued me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got out of an abusive relationship after living in a XXXX XXXX XXXX XXXX  for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX is the second mortgage on my property. The first mortgage, XXXX XXXX, has agreed to a short payoff settlement. But, XXXX XXXX XXXX has not responded with a short payoff letter so that I can move forward to refinance my property. 

I have been negotiating with XXXX since XX/XX/2018. Three months later there has been no response. I had to file bankruptcy to keep from the property being sold at a foreclosure auction. I do have refinance money in place. The mortgage company has offered XXXX {$70000.00} as a short payoff amount but the representatives have not responded almost three ( 3 ) months later. 

I need this resolved soon or the bankruptcy will not continue to give me extensions.
Product: Payday loan, title loan, or personal loan

I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Product: Credit reporting or other personal consumer reports

I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : TRANSUNION- my name is reporting formly as XXXX XXXX The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX lastly my employer is reporting as XXXX XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.
Product: Debt collection

I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres several cellphones in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.
Product: Credit card

My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation.
Product: Credit card or prepaid card

the transaction was on XXXX-18 to XXXX XXXX  in the amount of XXXX i called to question this transaction on XXXX-18. i filed a dispute and the paperwork was sent to me to fill out. i recieved the paperwork on XXXX-18 and faxed back the same day. the paper work stated if i returned this no later than 10 business days of the initial call i would receive a provisional credit. i did not receive a provisional credit. i then conducted my own investigation and since i have ordered from walmart.com i asked the to research their records if a transaction in the amount of XXXX was collected on XXXX-18. no the didn't have a collection or transaction. they connected me to XXXX XXXX  informing that XXXX XXXX and XXXX   were two different merchant. XXXX XXXX  did not have anything either because i have never purchased anything from this website. my dispute was temperarily closed waiting for receipt information of the original transaction i dont have a receipt because i havent purchased anything from XXXX grocery. i sent a statement with all this information i had collected 0n XXXX-18. and also mentioned that their were no preauthorizations for this amount and that it should have been declined because their were insuffecient funds to cover the amount of XXXX if XXXX didn't collect this money and XXXX XXXX  did not coollect where is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) To check my credit score to apply for a mortgage refinance, I checked the Transunion website for a free credit report. I didn't intentionally subscribe to any ongoing credit monitoring, but was signed up for a {$25.00} per month monitoring service while trying to request a free credit score, which Transunion claims to offer. I saw the {$25.00} charge two weeks later, and called, having never used the service, to ask that the charge be reversed. They would not cancel the charge. They did cancel the service they say I signed up for ( which they would have charged me automatically, they said, every month ). 

Transunion told me that they did offer free credit reports, but through annualcreditreports.com, not the Transunion home page. You would need some special knowledge to know the website where the actual free credit report is available. 

This is deceptive. I had to enter my personal information to receive what I believed would be a free one-time credit report. Transunion used that information to charge my credit card and would have charged me every month without my knowledge, very similarly to many online scams. The subscription is listed in about 10 point font on the web page, but there is no way to get a free credit report from the Transunion website, as would be expected. 

2 ) Transunion, unlike the other credit agencies, has an incorrect past address from fraud that doesn't even actually exist. The address is from years ago, and was corrected, but Transunion still lists it.
Product: Debt collection

Aside from receiving calls from XXXX of Midland 's XXXX phone numbers frequently, they were dishonest about an agreement we reached. I was led to believe that by paying the alleged debt in full that their trade account would be removed from my credit reports. That 's the reason I paid the debt in full. After making payment, I called to confirm that the trade line would be removed from my credit reports. They stated they no such agreement was made, and that they do n't do that sort of thing. I could have paid 25-50 % of the debt balance as a settlement if they were n't going to remove it from my credit report. They conned me into thinking they would uphold their end of the bargain, but it was all lies. They also sent paperwork showing that I only paid {$590.00}, but the check I attached clearly shows a payment of {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient and Sallie Mae keep saying I got a student loan in 2006. It is not me, I was not enrolled in any school at all. I keep asking for records but they will not send. Navient will not cooperate and keeps telling me to sign up for deferments to keep off credit but I just want it deleted. It is not me, in 2006 I worked full time and was not in any school at all.
Product: Mortgage

Please see case XXXX Please dont close this case. I still havent see the response from Mr Cooper since they sent the response to our attorney. Now we have to pay additional money to fight a case that WE, as consumers should be protected by CFPB. I dont see how we are accountable for 2 banks and a title company not getting it right. Consumers have no control in quoting and executing a payoffs. Please help us! I will state 1 more time ; we have never been late on the 6 properties we have purchased in the past 33 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by KLS FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with KLS FINANCIAL SERVICES and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Product: Vehicle loan or lease

It made me strong to be able to pay my truck, I contacted the XXXX XXXX, I let them know that i surrender up on the payments, I tried to sell the vehicle.it was difficult for me. 
I call the XXXX for picked up at my house.After they sold the vehicle they contacted me to pay the remaining balance.They tell me that there was a balance of XXXX dollars. 
I offered to pay XXXX a month.After XXXX years paying without fail.I found myself checking the balance and i had the same balance.They are charging me super high interest.Its super XXXX offered to pay XXXX dollars, and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has send me my credit report in which i notice that they add credit cards and debts that are not mine and they sending in a difference XXXX XXXX XXXX XXXX. This XXXX XXXX is not mine and that to delete all of that from that XXXX XXXX that all of that debts are not mine, my only direction is in XXXX XXXX only. please check of who that XXXX XXXX belong and to fix my credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off an investigation request letter to XXXX certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX
Product: Debt collection

Disputes have been previously disputed with no end results. Please see my doctor 's visit report dated XX/XX/year>. The document states by XXXX XXXX XXXX that I am experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctor told me this is a symptom of XXXX XXXX XXXXXXXX. I have previously stated in all of my disputes to XXXX and XXXX about my XXXX XXXX. I advised previously that all of the collection agencies listed on all credit bureaus of my XXXX  problems and I can not rememberr if any of these accounts are mine. I have been previously defrauded on credit cards from my previous marriage over 20 years ago. In previous disputes to all of the collections listed on my credit report I have requested proof that I agreed and signed a document stating that I requested and received the credit cards in question. I have also previously requested proof for every purchase on all of the purchases on the listed credit cards that I actually signed for each and every purchase made. I now respectfully request a copy of the forward flow agreement, chain of assignment, purchase agreement, insurance claim of debt, and my signature agreeing to pay. Without proof of the above requested documents I sincerely request that all collections be removed from all credit bureaus and all files are closed. Thank