23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rocket Mortgage. I applied for a VA loan through Rocket Mortgage to buy a home. My plan was to sell my previous home, but I did not want to do a contingency loan for the new house. I spoke to the loan officer who recommended an application for the VA loan at 0 % down for the new house. I was told that if I sold the previous home AFTER I closed on the new home that I could apply a large payment to the principal of the new mortgage and that the payments would be restructured to reflect the reduced principal balance. I proceeded with the loan, closed on the new house, and sold the old house. From the proceeds of the sell of the old house I saved about {$40000.00} to apply towards my new mortgage principal balance so that I could reduce the payments. When I called the loan officer ( a different person ), I was told that VA loans are not eligible to be restructured. I can make a large payment to my principal, but it will do nothing to restructure the loan and my payments will remain the same. Now Im told the only way to reduce my payments would be to re-finance and apply the extra cash as a down payment. The problem is that I do not want to pay closing costs AGAIN and interest rates have gone up significantly since I locked in my rate on the new house ( I closed at less than 3 % ). Because of the the misleading information I was given, my payments are several XXXX dollars more per month than I expected to be paying, which has created a hardship financially. How can we rectify this situation?
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name.

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.
Product: Checking or savings account

I deposited a check which went through just fine. I tried to transfer the funds and they put a reversal on the transfer and wont let me withdraw any money from my account. I went through the entire identification process and verified my identity and still cant withdraw funds. They said because the check wasnt made out to me. But they deposited and let me withdraw funds from the exact same kind of check just a week prior to this one and the person that the check is made out to signed the check with me! They have been holding my funds for almost two months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying American Express in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with XXXX  to no avail.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXXXXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$26000.00} XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} However, they stated that everything was completed 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 that isnt reporting correctly.

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

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

When refinancing my home there was a change to my impound amount at the close which caused a shortage in my escrow account. I reviewed the initial estimate which appears to have the correct amount compared to the closing document that has a lesser amount. I feel I was misled and signed a misleading document, I am now being told my escrow account is approx. $ XXXX short and am told I am responsible to pay for this. 

Additionally, my closing statement also does match the beginning balance of the escrow account with the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account was never late, posted as on time for XXXX and went back to late but it never was
Product: Checking or savings account

I opened a savings account with Chase bank in XXXX. I transferred my saving fund to the account online. Chase flagged fraud with that and prevented the transfer of fund. I talked to security staff on the phone, provided my identities, give an explanation for the transfer of fund, for more than an hour and was promised everything was resolved. the next day the transfer went through. then XXXX weeks later the bank closed my account without my knowledge. I called Chase, around XX/XX/XXXX, talked to representative for more than XXXX hour. Representative noted that bank closed my account on XX/XX/XXXX due to " inactivity ''. representative did not explain why my account was open for less than XXXX weeks, received fund, and considered as inactive. she said that my fund, in the amount of XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ), has been sent to my home address in regular mail, but did not explained why I did not receive the fund 7 days later. She noted that herself, her advisor, or anyone else could help me, and I would have to go to the bank branch for that. She initially told me to transfer me to another department to help, but turned out that she did not know where or whom to transfer me to. 
I called Chase branch on XX/XX/XXXX and was told to come in to talk.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Product: Student loan

While currently serving in the United States XXXX XXXX overseas ( XXXX ), Navient put my student loans in default. Navient has my XXXX XXXX address because it was provided to them before I departed the United States for my service. 

To begin with, prior to leaving California, my loans were in deferment because I was a XXXX XXXX student at XXXX XXXX. I spoke with a representative the 1st week in XX/XX/XXXX and requested a XXXX XXXX XXXX. They informed me that my loans were in good standing and that the paperwork regarding my full-time status at XXXX State and my enrollment in the XXXX XXXX was acceptable and that I had nothing to worry about. I wanted to make sure, before leaving the States, that Navient wouldn't make any mistakes and place me in a default status : was I wrong. Just recently, I found out within my year abroad that my loans defaulted and that my credit ruined. I contacted Navient over a course of 3 months. Over this course of 3 months, I've spoken to several representatives ; sent emails and I have given them my address where they could send notices. Never once have I received in writing or email, that my loans were in default. I finally spoke to a representative who assured me that everything should be ok and that I will get an answer. In the meantime, I sent Navient every document : XXXX XXXX proving I was enrolled full-time and an official letter from XXXX XXXX stating that I am serving for 2 years and 3 months. With that said, I received an email from Navient stating that my loans are in good standing and that I am in forbearance and have to make a payment starting in XX/XX/XXXX. The problem with that is I am in the XXXX XXXX and can not make payments. My service ends XX/XX/XXXX, and will not be gainfully employed, but will enroll back at XXXX XXXX XXXX of XX/XX/XXXX. Instead of placing me in a deferment status, I'm in a forbearance status which was not suppose to happen.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/20 a payment of {$180.00} was made to Synchrony Bank. The minimum amount due was XXXX. I scheduled my monthly payments to be made for the minimum amount due, therefore, no payment was due. I called Synchrony the next day, XX/XX/20, and spoke to a representative who said she would contact the appropriate department to request that a check in the amount of {$180.00} be sent to me. She said it would take 7-10 business days. I told her that was unacceptable. I had recently done a balance transfer and Synchrony was paid {$5000.00} and that no minimum payment would be due for awhile. 
I have sent messages to Synchrony through XXXX and received the usual replies, i.e. sorry for the inconvenience, someone will contact me, etc. My communication with them began last Friday, XXXX XXXX. Yesterday a woman named XXXX called me and left a voicemail message. I returned her call immediately and got her voicemail. I left a message. She did not call back yesterday. I contacted Synchrony through XXXX messenger again. They said they would contact her and have her call me asap. Today is Thursday, XXXX XXXX. XXXX has not called me back. I called her again a couple of hours ago and left another voicemail. It is XXXX XXXX on the XXXX. No reply. 
This is a disgrace. The company took money out of my checking account without my permission. I need that money to pay bills.
Product: Debt collection

I am a victim of identity theft. I don't recognize how this account is reporting on my credit report. 
I don't recognize the name account number, the account status, the account high balance nor to I recognize the late payments. 
There is no balance history, no payment history leading to the charge off the reported credit limit, high balance/charge off balance My rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Credit reporting or other personal consumer reports

I have called so my times regarding disputes comments I need to remove from my XXXX  account and XXXX credit bureau been going on since XX/XX/XXXX I'm in a process of buying a house with that disputes comments I'm going to be homeless by XX/XX/XXXX with my family I don't know what's else to do I already send a letter regarding the same thing I need help the disputes comments most remove ASAP I do not want to disputes the XXXX  and XXXX XXXX
Product: Credit card or prepaid card

I applied for a card. I was " approved. '' I was connected bia XXXX XXXX. Then they send me a vague email asking me to call them. I make three attempts to call them back. Each time they claim they need to make an outbound call to me. They don't call once. I have not one attempted inbound phone call in my call log. Supervisor XXXX fake apologizes for me " feeling this way '' and also promises to call me and doesn't. I believe this company has scammed my personal information and is a fake/fraudulent company. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all major credit reporting agencies ( XXXX, XXXX, Equifax ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A )  have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Product: Credit reporting

Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2019 RE : Social Security Number : XXXX-XXXX-XXXX To Whom It May Concern, This letter serves as a dispute and claim to be filed against Pentagon Federal CR UN in regards to account # XXXX. 
I called on XX/XX/2019 at XXXX ( time stamp ) and an employee, on a recorded line, stated that I could pay three monthly payments of {$480.00}, automatically deducted from my checking account, and my account would be brought current. I expressed concerns about the payments being too high, and asked if they could be lowered. The employee stated that this program would allow me to make the three consecutive monthly payments of {$480.00}, Pentagon Federal CR UN would bring the account current AND after that it would be allowed for the payments to be lowered. 
I called back on XX/XX/19 XXXX and spoke to a manager who took their time to listen to the call, came back and apologized for the misinformed information and that that specific employee does not work in that department any further. 
According to the Commonwealth of Virginia, oral contracts are enforceable, and because the verbal contract has been broken by Pentagon Federal CR UN it is a breach of contract because Pentagon Federal CR UN did not honor that. I was taken advantage of and lied to by an employee of your establishment. 
Since this was determined based upon a recording this is a formal letter for this account to be completely deleted off of my credit report. 
Their improper procedures are highly damaging to my credit score. 
Please immediately delete these items. 

XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/6039XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act transunion, XXXX and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

I paid XXXX XXXX ( XXXX XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report that was received via mail from Equifax. I observed a statement listed in reference to an account that is no longer on my credit report due to fraud. I am requesting for that statement to be deleted in reference to XXXX XXXX. That account has been deleted as should. Due to being a fraud victim I am requesting for my credit file statement to inform creditors to contact me at the contact number provided on my credit report before extending/ verifying credit. Please list the contact number so creditors can contact to verify my identity. The contact number can be found in this dispute or on the document attached.
Product: Student loan

I have been getting Multiple calls from ***Sallie May*** excessive 5-6 calls Daily because I Missed 1 payment- they have called My Husbands Phone and My Sons Phone ad lease 54-5 time daily on each phone- this is Harassment!!! I make the payments when I can- My Mortgage and Electric come first- Always
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit XX/XX/18 I never was brought up or learned about soft inquiries