23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was baited & switched by Bank of America because of that I 've been asking them to refund my credit report & appraisal money. The issue still has n't been resolved. 
I applied for a conventional cash out refinance XXXX XXXX, 2016. I explained to the loan officer how much cash out I needed. He gave me a worksheet with estimated cost & 80 % LTV of course the final is when the appraisal comes back. He sent me an email XXXX XXXX telling me the appraisal came in lower, he informed me of the new loan amount which was fine, it only decreased by {$1100.00}. Two and a half to three weeks after he sent that email, I tried calling him multiple times to find out the status of the loan & when we were closing. Title company contacted me & said they were ready to close as soon as BOA was ready. I finally reached the loan officer, he told me they would n't approve 80 % LTV that they would only do 70 % LTV. I asked him why did that change, he said because of my credit score. I was livid ... they knew my credit score from day XXXX not to mention why did it take 30 days to come to that conclusion. That 's where I was baited & switched. Even after that I tried to contact the loan officer about changing to an FHA loan, I did n't want an FHA which he knew up front, but I already spent money on an appraisal & I needed to get this done. After multiple attempts he never responded, I was frustrated & had to contact another financial institution to refinance my cash out mortgage. That cost me another appraisal fee, I do n't have money to give away. After calling several branches for a couple of weeks I was finally able to reach someone who could give me the loan officer 's manager 's contact information. I spoke to his manager about refunding my appraisal fee & credit report. They still have n't resolved my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my XXXX file with the XXXX CRA ( XXXX, Transunion, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all XXXX CRA ( XXXX, Transunion, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all XXXX CRA ( XXXX, Transunion, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.
Product: Credit reporting or other personal consumer reports

These accounts have incorrect information XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Reason:
Fraudulent credit applications filed by someone else
Product: Credit reporting or other personal consumer reports

I did not apply for credit or have any dealings with you this company that would require them to pull my credit report. Any inquiries should immediately be removed as it was not authorized and I dont do business with this company in any way!!!
Product: Debt collection

I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX
Product: Debt collection

I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.
Product: Checking or savings account

Bank of America closed my checking account, without providing a reason, on XX/XX/2018. I had {$290.00} in the account and they said they mailed me a check on XX/XX/2018 for the amount noted above. It is XXXX XXXX, 15 days later, and I have not received the check. I called them and asked that they cancel that check ( obviously lost in mail ) and issue a new check, or let me go to a branch of their bank and get my funds. They refused to let me go to a branch, and further told me if the check were cancelled I would have to wait 90 days to get another check sent out. This is ridiculous and I'm sure any consumer would agree with me. This is MY MONEY and I want it NOW! All they have to do is cancel the check they SAY they mailed, and call their local branch and give me my money. My next step will be to confer with an attorney and take them to court.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX Account for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I received a debt notice dated XX/XX/year> in re : transactions that were not made by me. I never gave written consent to Midland Credit Management, XXXX XXXX XXXX, nor XXXX XXXX to report or furnish my information on my consumer report or any other entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to Remove this account from my Credit Report XXXX/XXXX  ( Account XXXX ) Not only did this account have fraudulent charges me not knowing the law at that time paid the account in full to the company that owns the account now which is XXXX XXXX XXXX. 

I have sent in my FTC identity theft report with my Identification to Experian I have been dealing with this for over 6 months this is my last time before I go to small claims court and seek damages if this account is not removed from my Experian report immediately I have contacted XXXX/XXXX  and they send the same computerize generic letter saying they dont own the account but yet theyre reporting it to Experian which in itself is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent information from my credit file. As a victim of identity theft resulting from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These provisions require credit reporting agencies to remove all fraudulent accounts and inquiries upon receiving notice from the victim. 
Fraudulent Account XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$50.00} Fraudulent Inquiries XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to verify my identity and my information is coming back wrong
Product: Debt collection

On XX/XX/2019, Discover Card issued me a XXXX and still reporting full balance for the debt. It is for the amount of {$5400.00} Disputed through 3 credit reporting agency 's and came back verified. 

According to IRS, when a debtor issue a XXXX, it means " Cancellation of debt '' therefore, balance should be {$0.00} on credit reporting 's. 

See the case of " XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, No. XXXX ''
Product: Debt collection

I 'm getting aprox XXXX calls per day, seven days per week from Capital One Bank. It 's for a $ XXXX debt they knew I could n't afford, but being the loan sharks they are knew I would bite, and did out of desperation at the time. I 've been consolidating my debts recently with a local nonprofit firm and every one of my debtsXXXX XXXX, but Capital One was willing to participate in the program. I think Capital One figures their malicious scare tactics and plain and simple harassment will gross them more in return. I honestly do n't know how a " business '' like Capital One is allowed to practice legally in our country. It truly astonishes me ...
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account ( Account Number : Upon review, I have identified an error in the reporting of this account.

Specifically, the balance update date is listed as XX/XX/XXXX, even though the account was charged off in XX/XX/XXXX. If the account was already charged off, the balance should not be updated as recently as XXXX, as this misrepresents the true status of the account. 

Additionally, the credit usage is reported at 16 %, which is inconsistent with the balance and credit limit details provided. If my credit limit was {$2600.00} and the balance at charge-off was {$440.00}, this percentage does not seem to be accurately calculated.

I request that Experian conduct a formal investigation into these inaccuracies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.
Product: Money transfer, virtual currency, or money service

I received a text that appeared to be from XXXX. It asked if I was attempting to transfer money via wire from my account. I responded no. A man called saying he was from XXXX. He called from a number that was on the back of my debit card. XXXX customer service number. He then used information to gain access to my account and trans {$3200.00} from my account. His name is XXXX XXXX.
Product: Credit card

I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you
Product: Checking or savings account

I just went through a bank merger from Peoples United to M & T bank. Upon access to my new online account, I discovered incoming ACH payments are displaying the senders social security number. 

I tried calling them but I can not get through on the phones because they are flooded with issues related to the merger.
Product: Debt or credit management

I don't have no agreement or debt with Credit Collections Services, XXXX XXXX, and XXXX XXXX This collections agency has been on my report for XXXX. I do not owe them, they continue to recycle this account XX/XX/XXXX {$350.00}. 
The second account Credit Collections Services XX/XX/XXXX {$740.00} Another agency is XXXX XXXX XXXX XXXX  XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

Please remove this account from my credit. There's different dates on every report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Money transfer, virtual currency, or money service

I have utilized Zelle on several occasions and there has been instances where I was withdrawn from and incorrect amounts were taken. I am filing complaint to be able to be apart of the refund for the Lawsuit from previously having transaction issues.