23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 
2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 
3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. 
Thank you. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

LENDING USA ARE AN UNSCRUPULOUS AND XXXX COMPANY! THEY CHARGE ALL OF THE INTEREST UP FRONT WITH XXXX " ORIGINATION FEES '' OVER 60 % INTEREST ON SIMPLE LOANS!!!! 

THEY OVERCHARGED ME HUNDREDS OF DOLLARS OF INTEREST ON A LOAN THAT I HAD FOR ON A COUPLE OF WEEKS. 

PLEASE LOOK INTO THIS BUSINESS XXXX BUSINESS PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Eastern Acct Sys : The account was placed in a collection without any notification by mail. Eastern Account System did not send notices to my address listed at any time all correspondence would be received and addressed accordingly. If I had moved, all mail would have been forwarded to my XXXX XXXX or my address which I have not received not one letter. On XX/XX/XXXX ( date provided for a billing date by XXXX XXXX XX/XX/XXXX. This bill was cooked up with to harass me and to XXXX me over for money I do owed. The original creditor did not contact me prior to placing me on a collection, If I owed a medical bill it would have been paid by my insurance that was verified. Eastern Account System contacted me with several threatening calls, I hung up the phone on the threats. Eastern Acct Sys did not send me any written notices of account would be reported to the credit bureau. No attempts was made at any times by mail only threats by phone which I did received several harassing and threatening calls from the collection agency, my response was that I do not owe you all and please stop threatening me about suing me for something that I do not owe. I did not deserved to be harassed for any bill. I disputed the debt several times directly with the credit bureaus, and requested a validation verification which was not sent tome to verify the debt. No other communications were received by the Collection agency. There is absolutely no unpaid medical bills due on my behalf which can verified with the hospital. I filed a validation of debt with the credit bureau in XXXX no response to the validation letter. In addition, I have a primary and a secondary Insurance which all or any medical bills would have been paid. This company is running a scam to receive money not owe. I reached out to the original credited who stated I do not owe them anything. The collection agent stated that I had a procedure to my chest ; if I had this would be a Hippa violation to release any medical information. I will file with Hippa prior to court action. 

Statement was sent to XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX Credit Reporting Agency , Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. In addition please validate and provide me with the original contracts for the following listed below. 


Eastern Account Systems, Inc Acct Number : XXXX This letter was sent to XXXX on XX/XX/XXXX I requested a validation to be provided, I have not received any evidence confirming a bill,
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 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to TRUISTXXXX for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was inappropriately ran by XXXX XXXX for XXXX XXXX XXXX on XX/XX/2023. I reached out to company to have this removed from my credit report as my credit was ran as a result of identity theft and I did not authorize the loan. However, this is still showing up on my credit report as a hard inquiry. I would like this removed as soon as possible.
Product: Debt collection

I  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!
Product: Checking or savings account

XX/XX/XXXX thru XX/XX/XXXX including XXXX XXXX XXXX and deposit were directed to other XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX with prior work history of {$21000.00} a yr.
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Credit card

Payments XX/XX/XXXX XX/XX/XXXX XXXX ONLINE ACH PAYMENT THANK YOU XXXX XX/XX/XXXX XX/XX/XXXX XXXX Phone Payment XXXX XXXX TOTAL PAYMENTS FOR THIS PERIOD {$1600.00} -- -- - Payment Due Date XX/XX/XXXX Wells Fargo Online : wellsfargo.com 24-hour Customer Service XXXX XXXX Fees Charged XX/XX/XXXX XX/XX/XXXX LATE FEE XXXX TOTAL FEES CHARGED FOR THIS PERIOD {$25.00} Spoke with XXXX on XX/XX/XXXX and he said our payment was returned. We did not have a returned payment from our bank. We keep substantial amount of funds in our private bank. Our credit score did go down from XXXX to XXXX. I believe their error caused this issue on our great credit score and took money they were not entitled to. If I did NOT Trust Wells Fargo, they would have slid this through vertually unnoticed. They have been caught many times with their fingers in the pot. TERRIBLE!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to lodge a complaint regarding inaccurate information on my credit report. Despite having a charge-off with XXXXXXXX XXXX  since 2019, this informations is erroneously indication that i have missed payments. I have not received a 1099C form from XXXXXXXX XXXX But they have acknowledged the error and agreed to remove this information from my credit. 


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

I have contacted them before and they told essentially there was nothing they can do. How is the current balance of $ XXXX is still being shown although I have the current balance down to $ XXXX? Im trying to build up my credit and I thought this company was going to be able to help me out but the lack of effort is concerning.
Product: Student loan

I requested a refund from EdFinicial and they told me it would take 150 days or around 5 months for the refund process to go through. This is unacceptable as other providers get refunds back within a month. They are taking advantage of people and trying to push refunds passed the date of the current pause. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am writing about an issue with TransUnion. TransUnion is reporting that an account status is in " Collection '' in which is wrong. The Account is Paid and Close. I will Like TransUnion to change the payment status to Paid and close. I give them proof that the account was Paid in full and Close.
Product: Mortgage

About 1 month ago i had wanted to switch my flood insurance carrier to another flood insurance carrier which was approximately {$1000.00} cheaper annually The original carrier is requiring a written letter its OK Shellpoint Mortgage Company to allow the switch Shellpoint agreed and promised me they would send the letter to the 1st flood insurance carrier ( XXXX XXXX ) so i can switch ; Note : i have Shellpoint 's multiple promises they made to me in writing via their emails to me they would issue the letter!! 

Suddenly after patiently waiting almost a month i was then told they will not send the letter! Compounding matters, i am paying the higher Flood Insurance premium amount during the entire wait! 

pls help me to have Shellpoint fulfill the promise to send the letter out ; again, i can provide all of the emails with all the Shellpoint Mortgage contact information with dates of all the correspondence thank you very much
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Information Services LLC for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), Equifax has not taken appropriate action. 

Details of the Complaint : Unauthorized Hard Inquiry : Creditor/Company : FACTUAL DATA Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but Equifax has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : Equifax has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my credit score, affecting my ability to secure favorable credit opportunities. XXXX failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$3200.00} XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I booked a ticket on XXXX XXXX for XXXX. The website crashed. When i went to book it again. They informed me, that the XXXX seats aren't available, and I have to purchase it again for XXXX. When I got the bill it showed both charges. I put the XXXX charge in dispute. I received a letter back from the credit card company since there wasn't a ticket. Printed for the XXXX, This is unfair business practice. 

Thank you.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft I have police report of fraud and my information being used to buy cars and phones, etc my credit was run multiple times not by me I would like to take all the hard inquires off my credit report and others that's is not mines. 
these are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Comenity BankXXXX XXXX XXXX XXXX late fees and interest on my account that has a XXXX balance. Account was originally set up for automatic draft with my checking account attached. On XX/XX/XXXX a minimum payment was not deducted from my checking account to make the minimum payment required. On XX/XX/XXXX, I received an email stating my account was past due. I immediately contacted them and spoke to several XXXX XXXX, who were unable to tell me why or what the problem was. I requested to speak with a Customer Service Mgr who could assist me. I was then passed only XXXX. She stated she was a XXXX who could help with the late fee issue which I knew shouldve not been charged in the first place. She explained that anytime the account gets paid off, their system automatically kicks the auto draft off. That was her explanation. I rarely ever used this account and was paid off up until the month before. I always keep account paid off. But, she told me there was no worries and she would remove late fees and interest charges as a courtesy. Because, I had a good standing account that shes had no problem with crediting my account. On XX/XX/XXXX I paid my account in full in the amount of {$98.00}. I have had this account since XXXX and had no reason to question. A month later the credit was applied to my account. But, at the same time on the same statement, the charges had been reversed. Charging back the fees and thus applying an additional late fee of {$35.00}. By this time, there were XXXX late fees and interest charges added to my account. This has been a big hassle and all due to their mistake in the first place. If you will notice, on XX/XX/XXXX, I removed my checking account and removed auto draft from the account. That could not have happened if my XXXX XXXX had been removed before. XXXX either lied or she was unaware. My minimum payment should have been taken out on the due date without question. Im not sure what kind of game they are playing but I have been put through the ringer with harassment calls and even having to change my landline number. I was not sure at the time if I was dealing with an identity theft situation or not. XXXX did provide me with a confirmation number XXXX on XX/XX/XXXX. She refunded a total of {$58.00} on that date to my account. On XX/XX/XXXX that refund was reversed and by that time they added another late fee. I have never been late before and pride myself on being a good person and customer. My credit report doesnt show any lates thus far, but am afraid they will soon report. I need this bank to be checked out and punished for their wrong doing. This is nothing but a pure scam against me. My account needs to be refunded immediately and if anything has been reported to the credit bureaus or my rating has dropped due to their negligence, I request it be corrected and an apology be given by Comenity Bank/XXXX XXXX XXXX I also request my account be closed and not at their request, but mine. I refuse to deal with this type of Bank and or merchant any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not make my XX/XX/XXXX payment, as I was in XXXX  school. When I called at the end of XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XXXX payment XX/XX/XXXX. I made my XXXX payment XX/XX/XXXX to ensure the XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have received a letter from the loan depot department that that I missed XX/XX/2022 payment, But I verified with my bank and they confirmed the payment was mailed out through bill pay service on XX/XX/XXXX and it was cashed out by loan depot lender on XX/XX/XXXX. I have copy of the cashed drafted check along with the bank statement that shows the payment was withdrawn from my account. 

I tried to call loan depot many time but they could not locate this payments. I also provided them a copy of the check and my monthly bank statement that shows payment was withdrawn from my account. 

This is not the first time ; I mailed a payment to them. The bill pay service was setup a year ago and I never had any issue until the XXXX payment. I have provide loan depot copies of the last XXXX check those shows it was withdrawn from my account but some reason they can't help me out. 

Lander : Loan Depot. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Account Number : XXXX Lander : Loan Depot.