23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been having problems with Lynx Asset Services for the past five years. They were doing dual tracking and did not apply NJ Homekeeper funds accordingly to our account. I am in bankruptcy now and foreclosure trying to stay in my home that I have been paying for since 1997.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is continuing to report incorrect information on my report. My current address was reporting as my previous address and there is two addresses on there that still needs to be removed. I disputed 2 addresses and got an email saying that my dispute results were ready and they were removed from my credit report. Now I called in on XX/XX/XXXX to get my current address updated and the supervisor updated it. After I hung up updated my credit report to make sure it was updated and realized she added an apartment number on there that I never told her to add on there. I called back and they also told me that the two addresses that were disputed and removed were also added back to my report. This is against the FCRA. I am willing to take this matter to court and sue if this does not get fixed immediately. I am uploading my current Identification card to this portal with my current address without the apartment number that the supervisor added on
Product: Debt collection

The collector sent me a letter dated XX/XX/XXXX with an amount of {$3900.00}. The letter indicated I had a right to dispute the debt by XX/XX/XXXX. The letter also saids I can dispute this debt directly through their website XXXX. I disputed the amount on XX/XX/XXXX via their website and wrote on the letter as a reminder. 

Nearly a month had gone by and I had not heard back nor received a letter with an itemized breakdown of the charges. So, I went back to their website and filled out there contact form and submitted a request to follow up on XX/XX/XXXX. I screen recorded showing the date and time and the request I submitted just in case. 

Fast forward to XX/XX/XXXX, my mother and I received a notification that the debt was reported to the credit bureau and showing on our reports. My mother called and spoke to a XXXX XXXX, who offered to get the account paid in full for {$1900.00}. My mom asked me to call in to handle the account as I was the primary. I called and spoke to XXXX XXXX and I immediately requested to understand why the collector did not honor my dispute request to show me a breakdown of the charges and proceeded to report it to the bureaus. XXXX XXXX claimed that I never submitted anything through their website. Which was false and I was attempting to file the screenshots and recordings I took, he transferred me to his supervisor. 

I then spoke to XXXX XXXX who I went back and forth with as she did not believe me and was continuing to claim that I never submitted anything through their site. Despite all the proof I have and was working on sending to her. She sent me an email with charges, but there was an amount listed for {$2400.00} and labeled as " Other ''. I asked her to explain those charges and she could not. I also explained to her the charges I had made several attempts to dispute with the leasing company before the charges went to debt collection. She did not believe me. I told her I would respond to her email with all the proof I have and which I did as of XX/XX/XXXX at XXXX XXXX. The email she sent me was not a direct one and a standard inbox. 

It appears they are running deceptive practices with their website, telling people to dispute through their website so that when individuals do, they can claim nothing was ever submitted and proceed with collections. I never received any confirmation email for the 2 times I made submissions on their website. I was fortunate enough to record my screen at the time so that the date and time showed as I feared something like this would happen. This debt should have never been sent to the bureau until it was validated and I should have been given a timeframe to pay down any actual owed debts before sending it over.
Product: Debt collection

Years back i had a membership with XXXX XXXX  XXXX, It was a No Contract Membership. 
MY Social Security Number was never given to the Creditor. 
I payed for a good year then Cancelled my contract in person with the Representative there. 


I asked the Creditor for Validation of debt AT LEAST 3x through the phone but they have YET to send me an E-Mail.
Product: Mortgage

Per advertising low interest rate mortgage refinancing, we contacted Quicken Loans through the Rocket Mortgage web site. 

XXXX called us several times, and after sending me an email on XX/XX/XXXX, I replied back. My wife, XXXX, and I have lived at this home since XXXX. 

The refinancing amount was about {$270000.00}. XXXX had us lower the estimated value of our home to {$800000.00} to avoid a home appraisal. Per XXXX and XXXX, our house is estimated at {>= $1,000,000} to {$1.00} and those match recent homes sales in our neighborhood. 

Since this refinance was started, we retrieved a Payoff Letter from our current lender, XXXX XXXX. This triggered them to suggest we also apply for refinancing through XXXX, which we did, and found a lower rate. 

XXXX was notified and he said he could match that rate if we provided our financial documents. This caused us to delay continuing with XXXX as we felt that XXXX was trying to provide a fair offer. 

Because XXXX and I own 90 % of XXXX, XXXX, a " C '' corporation we founded in XXXX, we are considered self-employed, and had to provide not only our personal financial information, but also that of our company. We provide all of this material. 

On XX/XX/XXXX, XXXX said we didn't qualify because of income was not sufficient. 

XXXX has been in business since XXXX. XXXX and XXXX have been employed by XXXX since then. 

XXXX and XXXX XXXX each show a credit score in the XXXX, though it may be the high XXXX since these refinance inquiries have reduced them some. 

In the 30 years we've lived in our home, we have never missed a payment or been late on a payment. All taxes and insurance have always been paid. XXXX and XXXX have no debt outside of the home mortgage. XXXX and XXXX pay off credit card debt every month. 

We believe that XXXX and Rocket Mortgage/Quicken Loans, denied this loan after interfering and slowing our progress with the XXXX XXXX refinance. We believe this is due to bias per our age, as XXXX is XXXX and XXXX is XXXX. They claimed it was related to Covid and insufficient income, yet we've made the same {$12000.00} per month gross for many years. This was a simple refi without any additional cash out, so our costs would drop, not increase. 

We believe they made promises and offers that they were not prepared to make, and used Covid as a reason to suddenly ( our income was always stated clearly up front ) reject the offer they no longer wanted to make. They had to get us a better rate to match the XXXX XXXX offer, and perhaps later showed concern about our age. 

We have {$500000.00} in investments, along with adequate income, no debt, a promising high tech computer software job, both of us have XXXX XXXX XXXX degrees in XXXX XXXX, our our industry is terrific for jobs. And of course the house itself is worth nearly {$1.00} XXXX more than the refi loan amount of {$270000.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account- though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA
Product: Checking or savings account

I received an email about an checking and savings account that was opened fradulently in my name on Friday XX/XX/2022.
Product: Checking or savings account

I have received a letter from Wells Fargo in regards to three different claims submitted through the CFPB on XX/XX/2020 ( Claim # 's XXXX, XXXX, and XXXX ) Wells Fargo states on XX/XX/2020 my account ending in XXXX was credited correctly of {$2000.00}. I never received that credit of {$2000.00}. 
In the letter, it also stated that they took action to close my credit card ending in XXXX due to fraud, but my card ending in XXXX was never recognized and no action was taken to help secure my funds even though I called Wells Fargo to let them know of suspicious activity on my debit card. 
When I tried to dispute the {$620.00}, the dispute got denied again. Wells Fargo indicated that that there was an overdraft protection charge in the amount of {$620.00} and was sent to my everyday checking ending in XXXX. I was not aware of this transaction. There was no indication of them letting me know as a customer about them transferring this money too and from my accounts. I never authorized them to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these items were erroneous. The 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX federal highway XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Identity Theft Affidavit and XXXX for XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my credit report 2. A Copy of my identification I request that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question is as follows : 1-XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

Took away my ability to pay online and / or autopay
Product: Mortgage

I have been trying to sell my property however there is a lien on the Property ; the property had been re-financed, paid and transferred to XXXX XXXX XXXX from XXXX XXXX that is now Ocwen mortgage -- I have tried to get a lien release without success
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Dear Sir or Madam, This message is in reference to my formal complaint sent to Equifax since XX/XX/year>. I reported errors and inaccurate information on my credit report. 
As per the FCRA, the furnisher has 30 days from the date the consumer filed the dispute to due an investigation. However, the time frames they had to do an investigation and reinvestigation to provide the results are over. 
* My name is : XXXX XXXX, I am not " known as '' any other names. - Remove other names. 
My address is : XXXX XXXX XXXX XXXX, XXXX. 
The addresses below need to be removed : XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * In addition, as per the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX website, please see inquiries and auto loans. 
" Lenders can make a request to view credit files. These requests will only count as an single inquiry if they are made within 14- 45 days.

" If different inquiries occurred within 14- 45 days of each other it is considered as 1 injury. '' Please remove these errors : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> *Lastly, old closed accounts past 7 years should have been removed. I found two outdated closed accounts. This is concerning, it has been over a decade. Corrective action need to be taken. 
Please remove : - XXXX closed account and XXXX 
Equifax has willfully refused to remove errors which violates my consumer rights as per the FCRA to report correct and accurate information. I hope this issue can be resolved promptly. Thank you in advance for your assistance considering my request. 
Sincerely, XXXX XXXX
Product: Student loan

My name is XXXX XXXX I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit. I applied for a borrowers defense application in XXXX regarding XXXX XXXX XXXX XXXX CA being a predatory school. I attended that school like thousands of others believing in the promise of a career. instead I now work as a XXXX. I took out loans over {$54000.00} to pay for tuition it was a two year technical school.when I XXXX i did not get any help with job placement. 

In regards to XXXX XXXX XXXX some people are eligible for a refund. I was told that my loans were commercial I would not qualify. XXXX XXXX was on exhibit XXXX  as being a predatory school. My lender was Nelnet I paid off my student loans in XXXX. I think that I should get my money back being that they were found guilty.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard credit pull on my credit report that I didn't authorize on XX/XX/2022 from : Discover Financial Services ( Finance ) ( XXXX ) XXXX The number listed a few days ago was ( XXXX ) XXXX and it's an automated call for XXXX  XXXX and ultimately hangs up on you. 
Somehow I called this exact number by accident on XX/XX/XXXX and heard the exact hearing aid message and then there was a hard credit pull on me. 
I have called discover financial and they never heard of me. 
I have frozen my credit and seriously hope that someone hasn't opened a line of credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Account on my credit I do not recognize US BKPT CT XXXX
Product: Credit card

Regarding Complaint # XXXX First of all thank you so much with your assistance in this matter. 
I spoke to XXXX on XXXX/XXXX/16 and they reported that they did not received your letter or a letter from Exxon requesting the removal of delinquent payments from my credit file. 
XXXX and XXXX have already deleted this information from my credit report. 
I immediately called Exxon and they confirmed that a letter was not sent to remove delinquencies from XXXX. 
To add insult to injury, when I ask Exxon to send it to XXXX they refused to send a letter directly to XXXX. This contradicts your ( CFPB ) correspondence dated XXXX/XXXX/2016, in which they said they would. 
I am asking again for your help to get this matter resolved as Exxon responded they would in their response to you. 
Obviously, Exxon does not care if they harm a consumers credit and business reputation, however, they should take a CFPB intervention more seriously, stop bullying the consumer and follow through as they stated. 
Thank You again for you help. 
XXXX XXXX
Product: Credit card or prepaid card

applied online for Discover It student card. 

Denied reason : No credit record available. 

None used. 

It reads on the back of letter some thing is not right and or accurate. 

For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with Affirm or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and Affirms customer service agents. I had intended to activate a service for LSAT purposes, valued at {$90.00}, through Affirm. However, as I discovered later, the service was unnecessary as I already possessed an existing account with LSAT that provided me with the required services Affirm claimed I had used from their purchase, which is not true. Ive contacted LSAT who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the Affirm loan associated with the unnecessary LSAT service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that Affirm INC review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. Affirm continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with Affirm over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.
Product: Checking or savings account

[ Your Name ] [ Your Address ] [ City, Subject : Formal Complaint Against M & T Bank for Unauthorized Debits and Overdrawn Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint against [ Bank Name ] regarding unauthorized debits made to my account, resulting in my account being unlawfully overdrawn. 

I discovered an unauthorized transactions of XXXX debited from my account without my consent or prior notice. These transactions have caused my account balance to become negative, which has resulted in additional fees and penalties. 

I have attempted to resolve this matter directly with M & T Bank without success. Despite my efforts to seek clarification and a resolution, I have not received adequate assistance or a satisfactory explanation regarding these unauthorized debits. 

I hereby request your intervention to investigate this issue thoroughly and ensure that [ Bank Name ] rectifies the unauthorized debits and refunds any associated fees and penalties. I also urge the Consumer Financial Protection Bureau to hold M & T Bank accountable for their actions and ensure that appropriate measures are taken to prevent similar incidents in the future. 


I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue swiftly. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX -- - Ensure to enclose any relevant documents such as bank statements or correspondence with the bank to support your complaint. This helps the Consumer Financial Protection Bureau investigate and address your concerns effectively.