23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The XXXX loan started with XXXX company in XX/XX/XXXX with the balance of XXXX later ( not sure exactly when ) XXXX XXXX was bought by XXXX XXXX, XXXX of XXXX was made on time and around XX/XX/XXXX the balance was XXXX for some reason. 
XXXX was started and it was difficult to come up with payments without the income. the family was struggling. 
Then the loan was bought by XXXX XXXX and modification was done in XX/XX/XXXX and they forced me to sign for XXXX balance with 0 % and the payment was XXXX. 
I stopped paying this nonsense in XX/XX/XXXX, due to loss of income from my business. 
Now West Coast company bought this loan and demanding the balance of XXXX, including the outrages fees of XXXX, XXXX knows where they come up with that and to be paid in 30 days, otherwise they threaten me with a foreclosure. Overall the payments were made from XXXX till now for the amount of XXXX. According to West Coast I had to pay the loan in full by XX/XX/XXXX, which was not true, it seems that they didn't get the terms from XXXX XXXX when they got the loan. But anyway, the situation is way stressful for our family and we don't know how that is possible at all when since XXXX we paid XXXX on XXXX taken loan and still owed XXXX. 
Could you please advise me on what can I do in this situation? 
Maybe we can file a class action law suite for harassment and outragesness of the whole mortgage system, where you pay and still owed more and more each year!
Product: Student loan

Had a student loan with XXXX and XXXX XXXX XXXX called me and told me about aXXXX XXXX XXXX XXXX XXXX   that I would qualify for ( Income Driven Repayment Loan ). At the time I was single and just started a new job. I was told the status of my loan would remain under my single status because I took the loan out before I was married so therefore it would not affect the long term 10 year option payoff that I qualified for. I paid the company upfront 4 payments totaling close to {$1000.00}, one I bt was told was for filing the needed paperwork to obtain the loan. I was accepted and have attached the documentation showing that I qualified for payment of {$10.00} per month for 10 years, no late payments, and the loan would be paid off in full. I received an email recently that payments stopped due to COVID but would restart in XXXX so I needed to re-qualify again showing my salary still qualifies. I called the company and found out they are out of business due to a suit that was filed against them as they were forced to close their doors. The number I called is XXXX. It appears they made a false claim that XXXX XXXX XXXX  was connected to them and they filed for a password and email using my information, acting as I knew that the loan was connected to this company. The XXXX XXXX XXXX login I received was from them acting as if they connected to the original XXXX XXXX XXXX online so I could see my information. I was confident in XXXX XXXX XXXX being that I qualified through them a second time and they had my bank account information, taking out {$10.00} a month for student loan payment. I called a associated with the Department of Education to complain and I was told to call Fed Loans and explain the situation to them as well as make a complaint with you. When I called Fed Loans they told me they are now XXXX XXXX XXXX, I am paying {$0.00} total as of the information XXXX XXXX XXXX   provided them and that I owe about {$600.00} and somewhat dollars in interest. They had no idea I was making payments of {$10.00}. I have included many emails with dates and the contract that I e-signed showing the original 4 payments of {$240.00} and dates showing I was to pay {$10.00} for 10 years. I have emails showing original point of contact, emails that they were in receipt of my {$10.00} a month, that I re-qualified for the loan, they sent me login and password from Fed Loan, etc., posing as they were the Fed government they were working for and had the power to access their site for me.
Product: Debt collection

Paypal has contacted my family in regards to a {$700.00} debt that I owe to them. They disclosed to my father the details of my debt which has caused much distress.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to the credit bureaus equivalent, XXXX and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately XXXX tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for an FHA loan via banco popular in XXXXXX/XX/2022. I worked with XXXX XXXX XXXX who informed me I would not be accepted for a loan due to me not selling my current home. 

I explained I had a tenant lined up and would be able to provide a lease before closing but XXXX who was a mortgage consultant denied my opportunity to move forward with the loan and refused to return my calls or emails asking for a denial in writing.
Product: Debt collection

Discharged debt {$490.00} was discharged in bankruptcy. Still in collections
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

When I had an account with Wells Fargo there were unauthorized charges and I had to close the account because they said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX 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 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 cause to believe that the information is inaccurate.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them.

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.
Product: Mortgage

my mortgage is through Guaranteed Rate. InXX/XX/XXXX, I was contacted by one of their brokers and I told him I needed to get rid of my PMI. He told me the process was first to attempt to refinance. If that did not work then they would drop the PMI. Rate immediately requested a {$500.00} payment from me for the appraisal and I paid it. The appraisal was returned with {$160000.00} increase of value. After two months of back and forth with the broker, I was told that the refinance would not be processed. The broker abandoned me and told me that to drop the PMI, I needed to contact customer service. I contacted customer service in XXXX and they required a hard copy application that was mailed to me. I returned the application to Guaranteed Rate with a copy of the appraisal provided by Guaranteed Rate and dated XX/XX/2020. With no response from the Guaranteed Rate PMI department, I have been forced to contact customer service multiple times over the last 12 weeks and have no resolution. They will not allow me to talk to anyone in the PMI department and continue to tell me that I should have an answer in 2 weeks. This has been happening for months now with no resolution and I continue to pay Mortgage Insurance on a property with a 65 % LTV.
Product: Credit reporting

Today, on XXXX XXXX, XXXX I noticed a couple of additional examples of fraudulent activity on my credit report. Usually I am able to see my credit report at anytime via Experian 's credit monitoring, but over the past few weeks for whatever reason they are having problems being able to access my credit file. 

My concerns are that I have ( XXXX ) additional inquiries from the same third party company requesting my credit file information. 

XXXX, CA XXXX ( XXXX ) XXXX INQUIRIES PULLED ; XXXX XXXX, XXXX XXXX XXXX, XXXX This is the same company that had pulled my credit this past XX/XX/XXXX when I was in corporate housing with my company. I am disputing this as fraudulent inquiries and challenge them or whomever they may represent to prove otherwise. I do know that obviously on both of these occasions my credit file was temporarily opened, but this was because for whatever reason Experian 's credit monitoring service asked me to temporarily lift so that a XXXX credit report could be pulled. While I certainly know that this should never be a problem, I do know that once I did this I was able to receive the ( XXXX ) credit reports from Experian, XXXX and XXXX. This is an entirely separate issue that I will have to come back to address at a later time. 

Please dispute these XXXX inquiries as fraudulent as these are both not authorized. I have already disputed ( XXXX ) inquiries against them in the past ( XXXX & XXXX of XXXX ) and both were successfully removed accordingly. Please remove these. I can be reached anytime at XXXX. 

Regards, XXXX
Product: Debt collection

I got a call from CBE Group about a XXXX debt I owe somewhere in XXXX and I live in Virginia. I have only been in the States since XXXX 2015 and this comcast account has been opened for well over 5 years according to the caller from CBE Group. Even after explaining that this is not mine and have other addresses listed on my credit report which I do n't recognize, CBE Group still went ahead and put this on my credit report. I have been denied several credit applications because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

With a drop in interest rates, I approached Cross Country Mortgage about a refinance after an unrelated solicitation implied rates were lower than I was paying. I asked the broker I was working with to explore this via email on about XX/XX/2021. We discussed over the phone and that was it. 

He pulled my credit and never got back to me. I signed no application, made no formal request to refinance, and never received a response from the broker despite several follow ups via phone call and email. 

I have reached out to remove the hard inquiry as it was not related to an actual application, and the broker never followed through on my request to explore refinance options. To wit, I received not a response or indication that could in any way be reasonably construed as guidance in the refinance process - not an indication of rate, terms, expectations, nor provided an actual application. 

I have yet to receive a meaningful response as to why I have an inquiry given their failure to provide anything for which an inquiry may be justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO HAVE THE CREDIT BUREAUS REMOVE THE NEGATIVE ITEMS BUT THEY WILL NOT EVEN WITH THE POLICE REPORT
Product: Credit reporting or other personal consumer reports

unauthorized Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. 

Account name : XXXX XXXX XXXX - XXXX 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 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.

15U.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

I applied for a VA XXXX loan with New day USA. In thier process they locked in with the VA appraisal system without notification my authorization, knowledge or preventing other mortgage lenders to order an appraisal through the VA creating red tape. I have applied with XXXX other Va mortgage providers, to the extent I did with new day, without locking into the VA appraisal system. One which tried to order the appraisal with my authorization but was unable to do so because of the unauthorized action from new day USA. Which causes a delay in appraisal of my home. I do think that new day process intentionally does this to others that applies to numerous mortgage providers to find the best rates, and the only way to do so is applying the same manner as new day, which takes it a step further to get involved with the Va process only when an application is submitted and nothing more for their own purposes. This delays veterans mortgage processes when finding a company that offers a better rate and actually want to process a VA home mortgage.
Product: Mortgage

Regarding : XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX Today, I am writing on another matter. I am in the process of obtaining a security clearance with my job and they pulled my credit report. Your company is listed, as items ( late payment ) that are preventing me from obtaining my clearance. I know we just resolved this account in XX/XX/2017, and it has already been updated to Paid in Full, however, I am asking if the account can be completely removed off my credit report for XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX. 
Obviously, I need my job, especially since I am just starting to bounce back on my feet after my health issues that prompted our financial relationship in the first place. I would be absolutely elated if this would be possible. 
Sincerely, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of these accounts on my credit report Company or Organization : XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX XXXX  Date open : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$600.00} Company or Organization : XXXX  Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$80.00} Company or Organization : XXXX XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting

experian has closed out an investigation and improperly verified again a false certification see cfpb XXXX and refuses to investigate this fraud.
Product: Money transfers

I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing it?
Product: Credit reporting or other personal consumer reports

I selected all the accounts that had either my name, address of DOB that falsely identified me and submitted a report. They never removed those from my account. 
This was a couple months ago so unfortunately I dont have any images of the complaints submissions. I thought it would make sense once they see my submission that those reports shouldnt be on my account.
Product: Credit reporting or other personal consumer reports

on or About XX/XX/2023 I received an updated copy of my consumer credit profile from Equifax, and I notice that XXXX XXXX XXXX is reporting inaccurate information on my consumer credit profile after I have opted-out.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, Paypal informed me that my account was " limited '', meaning deactivated. They would not give me a specific reason but they did inform me they will be holding my funds for 6 months. I have over {$850.00} available for withdrawal and another {$800.00} on hold in that account. Even though my funds are " available '', they blocked me from transferring or accessing any of it. This is a lot of money, hard-earned money, and I desperately need it. I can even provide assurance that there will not be a dispute on the majority of the money because that customer has returned and placed a second order. She is willing to confirm that as well. How can they legally do this? Who allows someone to return an item or file a dispute six months after purchase? That is utter nonsense. It's bad enough that I can no longer use that platform because most of my business transactions were processed through Paypal. I am very limited at this point and my sales are down because I can not sell on XXXX without Paypal access. All of my XXXX customers use Paypal only. Third-Party selling sites, like XXXX, charge enormous fees to sell on their sites. My income has been more than cut in half and I can not even access what little I do have. I am in dire need of help!
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 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 also states a consumer reporting agency can not furnish a 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 and 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither Equifax, XXXX or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, XXXX and Equifax, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.