23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2014 my real estate agent ( XXXX ) submitted a contract on my behalf for a short sale home owned by Chase Banking. After 6 months of continuous waiting and no status updates ( approx. XXXX XXXX, 2015 ) Chase finally acknowledged the contract and countered the original offer - we agreed. Finally, ( we thought XXXX things were on its way to being finalized. From there, the inspection was done- serious issues were addressed and being handled. That, in itself, took a little more time than we cognized and was eventually rectified. Next, the appraisal was done- it came back fine- with minor improvements to be done. After roughly 1 1/2 months of negotiating, my bank could now get my financing finalized ( I was preapproved for a {$7500.00} downpayment and closing cost grant ). I was also receiving an FHA loan and my paperwork could not be fully processed until all the repairs were improvised and/or rectified. While waiting to hear back from the grant approval team, we received an email from the seller 's agent ( approx. XXXX XXXX ) stating " Chase has officially denied the contract '' with no warning, extension or any explanation. My banker, the seller 's agent and my real estate agent were completely and utterly in shock by this unforseen action. The seller 's agent along with my banker sent a slew of emails with evidenced data regarding my full approval -but we never heard anything from them. This was a spontaneous act that hindered, interferred and just simply hurt my families progress and well- being, with no " JUSTIFICATION ''. I have XXXX young children and I had already put in my 30 day notice to move out of my townhome. I had an inspection ( {$380.00} ) and appraisal ( {$470.00} ) done on the property prior to this happening. I was genuinely interested in the home and did everything that was in my power to get things done in a timely manner. However, they had my team waiting for 6 months before they even touched my contract but they could n't wait a few weeks for my official process to be completed. If anything, they could have explained their rational behind their actions. I could not have just exited the contract without reasoning in the middle of it. The bottom line is ; I felt like I was bullied and mistreated unfairly because I was purchasing a home that was priced below market value and I was an assumed indigent. I 've called and spoken to XXXX XXXX at Chase Executive office. After playing phone tag for several days, she ambiguously explained to me that ; she could not give me any information regarding the account because I was not the primary account holder- which I understood. Which, she knew that I did not have an account with them, I explained that to her in my at length email that she received. The bottom line is ; the whole entire ordeal was bias and unethical and I felt discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request a Loan Estimate on a mortgage and provided him with : Name Income, SSN, Desired Loan, and Property ( New Construction ) He ran a Hard Pull on my credit then attempted to manipulate me into locking into his company without providing a Loan Estimate. He claimed that I am required to provide him a signed contract before he can provide a Loan Estimate, which is illegal. Do not work with anyone at Homeowners Financial Group as this could impact my ability to qualify for a mortgage as a well qualified buyer and impact my score thus costing me tens of thousands of dollars ( or more ) in interest over the course of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my Credit Report from XX/XX/2020 listed as Discharged. Bankruptcy case number XXXX. It should be listed as Dismissed. I sent a supporting document that shows that it was ineligible for discharge which means that it was dismissed. It is verifiable through XXXX  and calling the trustee. This is easily fixed and when I submitted a previous dispute and they said it is reporting accurately. That is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fadv/Resident Data XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Money transfer, virtual currency, or money service

Cash app was taken amount of money every time I received our deposit money. It didn't matter if it was a personal or business they were still taking out and I don't know where that money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, XXXX and Experian. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.
Product: Mortgage

I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.
Product: Credit reporting or other personal consumer reports

Delete Eastern Michigan in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORTS. IT HAS BEEN OVER THE XXXX YEAR STATUE OF LIMITATION MARK AND THIS SHOULD NOT BE REPORTING ANY LONGER. 
I HAVE ALSO HAD XXXX OF MY XXXX OVER XXXX  YEARS AND WON IN COURT AGAINST XXXX XXXX  SO FOR THIS REASON ALSO THIS ACCOUNT SHOULD ALSO NOT BE ON MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have been in and out of the hospital due to XXXX  so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted experian, XXXX, and XXXX on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted experian, XXXX, and XXXX on the following accounts that they refuse to delete : XXXX XXXX XXXX XXXX ( Experian, XXXX ) XXXX ( Experian, XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Experian ) XXXX ( Experian ) XXXX XXXX XXXX XXXX, XXXX )
Product: Checking or savings account

On XX/XX/XXXX there was a notification on Capital Ones app that said they were experiencing issues with some account features vastly underselling the issues they were having. No customers in the US received their direct deposits between XX/XX/XXXX up to now, XXXX on XX/XX/XXXX. There are people whose account history cant even be found. Receiving a direct deposit 3 days late creates many issues for people in the working class that live paycheck to paycheck, now bills arent being paid and people expecting money arent receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A supposed creditor that is outside of America, and with no operations in America is reporting a supposed debt on my Experian credit report. Not only is this " creditor '' outside of American jurisdiction, i believe they no longer exist. I have tried to contact this " Bank '' that is located in the country, XXXX, but i am not able to get a hold of anyone. I believe this negative mark in my credit report is an error and have tried multiple times to work with Experain to no avail. " creditor '' info : Account number in Expreain is : XXXX. Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/2022 and XXXX 2022 to XXXX, XXXX, and Experian despite violating the aforementioned statutes.
Product: Money transfer, virtual currency, or money service

This guy XXXX XXXX XXXX scammed me out of {$4300.00}. XXXX he marketed an advertising scheme to put a XXXX XXXX decal on my car and drive around with it on my car. We first made contact XX/XX/2019. The cashiers check arrived XX/XX/XXXX. I saw the amount and became a little suspicious. I called XXXX XXXX to have the check verified and they verified the funds. I was unsure of it so I deposited using my XXXX mobile deposit to see if it was a good check. It was accepted so I thought it was good to go. He said once its been deposited use money orders and deposit them To the detailers account at well Fargo account number XXXX. I thought that was a lot of money to have my car wrapped and thought I could do it myself. He said you probably wouldnt want to do that because you could damage your car and it you do repairs wouldnt be covered by us. I said well he already sent the cashiers check so I went ahead and deposited the money orders. We talked about the weather and he said it would have to be a warm day and it was currently raining and a little chilly. The next day I didnt hear anything from him which was a Friday. Saturday morning I noticed my account was negative. I called the bank and they said the check had been returned because I endorsed it wrong. I was on hold for 20 minutes and while On hold I started researching cashier checks. It said they are now being used for scams. My XXXX dropped. The rep came back on the phone and told me to mail the check in just the way it was so I did. Monday I went back To Wells Fargo and told them I believe I was scamed. They said possibly and they also said he transferred the money into another account right after the deposit. They said I would have to do a claim with XXXX. They said I needed to do a police report. I called my bank XXXX and they said they didnt know who I spoke with on Saturday but the check came back Fictitious. I did the police report on that Wednesday. In the meantime XXXX refused to do a claim thru Wells Fargo. I felt like XXXX  mobile deposit is not as safe as it seems. And scam artist are using Wells Fargo because it seems it easier to munipulate their systems. The suspect probably had all fake identifications and still got an account with Wells Fargo. The police report came back and they found the suspect in Indiana. They said they had to send the jurisdiction to the Indiana.
Product: Debt collection

This is the third time I 've had to contact CFPB about a student loan that went to collections and I 'm trying to set up a payment plan. Case # XXXX AND XXXX. The last correspondence from Preformant Recovery XXXX XXXX informed me the policy had changed and I could sent the XXXX. This was faxed along with the first page of his letter. That was the first week of XXXX 2016. I than called XXXX XXXX and was able to leave a voice mail for him on XXXX XXXX informing him of the fax sent yet no written correspondence of a payment plan. I 'm trying to repay what I owe, but working with Performant Recovery is challenging. Is it their intent just to garnish wages than actually work with you? I have a file folder of all the correspondence which is over XXXX '' thick where I 've repeatedly sent letters and the required documents without any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX and Equifax. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.
Product: Debt collection

Lb Gray for {$400.00} XXXX XXXX is Not my debt and Ive sent a dispute its been on my report for more than 7 years Also I want previous addresses removed off my report if its not current
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor'stransunion ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

LATE PAYMENT : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I bought a new truck. I repeatedly said I would not pay a fee for purchase or for the credit they were offering. I was told by three people including the sales manager I would not be charged. However, the finance person used an XXXX or similar tablet to show me the sales contract and finance papers. He controlled the tablet the whole time including what paragraphs were displayed and was able to prevent me from seeing a {$500.00} fee. What I could see was what I had agreed to and I signed electronically. Either the {$500.00} fee was on the tablet and I was not allowed to see it or he added it to the document before printing it out. At the same time he was showing the finance papers, he said " you have to choose which of these services you want. '' I was able to see that services included oil changes but no costs and I asked if this was part of the finance contract. Only then did I learn that it was an additional cost. He tried to make me think it was required to buy the extended warranty and services. I said no and he spent several minutes berating me for being " stupid. '' I told him to finish my paperwork so I could leave. It was only after getting home that I found that the {$500.00} fee had been added to the paperwork without my knowledge. I asked the MO AG to investigate, but they say they are unable to get a response from the car dealer.
Product: Debt collection

Complaint against collective agency. My item ref # XXXX Re : XXXX XXXX XXXX was sold to a third party collection agency. I have sent letters of dispute to remove item from my credit or provide proof. No response to either. This item is really placing a bad score for my credit not allowing me to move into another place to live. The amount is for {$3300.00} It has been almost three years now. Companies take advantage of clients. This issue occurred due to Covid and hardship. I explained to them many times. 
Thank you and hope this issue is resolved and REMOVED from my credit immediately. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was contacted through text message from a company called Money Key loans and they said that I was approved for {$5000.00} and I paid a loan I gave them all of my credit card and all of my banking information and the end I was told that I would have to send {$100.00} through XXXX XXXX and also I contacted the actual money XXXX company and they said that they have no numbers or anything pertaining to the number that contacted meAll of this took action onXX/XX/2019A target my savings account you which was through XXXX XXXX XXXX and also my XXXX XXXX account which is through XXXX XXXX XXXX It also through my next been account and two of my accounts I already have move the funds over that I had left in each account before they could even try to take anything out but I did get out all of my personal information and Im a little bit skeptical about that at this moment
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00}