23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

If I could give 0 stars I would. I am so appalled by the practices of this mortgage company. We are the seller of a house and the buyer got a preapproval from them. Needless to say after 55 days under contract and 5 extensions they realized they never should have pre approved the buyer as he did n't qualify for the loan he was requesting. We did n't start getting communication from them until a week before the first closing date. They decided to extend the first closing date less than 24 hours before. During the whole process they would not return emails or phone calls unless numerous attempts where made. Who they have working for them are completely incompetent, rude, and unprofessional in every sense. XXXX XXXX and XXXX XXXX were horrible and hold no accountability for their delays and all the parties involved. They are very rude and unprofessional in what they would communicate to my realitor as well as to us. They consistently lied about where they were at in the process and would say things like " we are all set to close tomorrow. '' Then come tomorrow and another excuse and delay would come up. At one point they were asking for something on the house that had nothing to do with our house. They were searching for an excuse and reason they ( other than the obvious that they should never have preapproved him in the first place ) to come up with to blame the house and not their XXXX poor business approach of approving people who ca n't afford the loan. They stoup as low as they then became deceitful in who we are speaking with via text message. XXXX XXXX gave us his cell phone and is supposedly the Manager of this branch and he assured us when he took over the file that it would be handled better and accordingly. Needless to say it did n't get much better. He was rude and made false promises as well. When I called to get an update on the cell phone he provided us, one of his associates answered and had been responding to our texts not XXXX, whom we thought was. When I confronted them about being deceitful who we were communicating too they became very threatening and even more rude, that I caught them lying. This process should not have taken 55 days costing the buyer an inspection fee and other associated costs on a house HE COULD NEVER AFFORD!!!! We also had to pay over {$200.00} to have the HOA send over paperwork to them. Not to mention we informed our renters we were under contract and they had to vacate, assuming we would sell the house since the buyer had a PRE-APPROVAL FROM THEM!!! Un beknown to us that it was a falsified approval. This company holds no accountability for their actions and the deadline of a closing date. They cost us thousands of dollars and I do n't want to know what they costs the buyer. I would be even more XXXX if I was the buyer. I am reviewing the laws and policies on accountability of Mortgage loan companies and filing whatever I can so they can be held accountable for the money they cost buyers and sellers during this process. THIS IS UNACCEPTABLE AND WILL NOT BE TOLERATED! They Buyers name is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Used a service that was not clear with v the disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to investigate and updated for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Equifax not only refuses to remove the accounts from my credit file, now they are pushing the dates of delinquency back so it appears on my report for longer than 7 years.
Product: Student loan

My personal and financial Federal student loan information was shared with a third party without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge all Federal student loans immediately!
Product: Money transfer, virtual currency, or money service

I was promised {$10.00} if I downloaded the app and started an account and I got the account but still haven't got my {$10.00}
Product: Student loan

My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In negotiating with PNC credit card the agreement was that if my debt is paid in full {$0.00} balance there would be a paid for a debt deletion/removal from my credit report. Im writing because I noticed that my most recent credit reports contain the credit card charge off reported in XX/XX/2023 close account charge off paid {$0.00} balance. 
PNC Credit Card Account numbers ( last four digits ) XXXX XXXXXXXX Charge Off -- Paid {$0.00} Balance '', they were never removed as promised. I called PNC credit card dept. and the lady said it would be removed in XX/XX/2023, but its now XX/XX/2023 and its still reporting on my credit report. 

My deal with PNC Credit card was pay debt for deletion for removal off my credit report update all 3 credit bureaus. - Im planning to apply for an auto loan, and its come to my attention that the charge off accounts on my record could hurt my ability to qualify even if at {$0.00} balance. Me and my family need a reliable family vehicle for me to go to work and for my kids to go to school. 
PNC need to do right by the paid for deletion report to the credit bureaus. Please help me.
Product: Vehicle loan or lease

In late XX/XX/2020 I lost my job and have been out of work since due to Covid-19, I was unbale to make a payment for XX/XX/2020. I have spoken to a few agents since XX/XX/2020 an agent explained that they are able to defer 3 payments to assist with the loss of income I even received a letter explaining such said agreement therefore I was under the impression that my account will go to normal and late payments will be removed. Moving forward to XX/XX/2020 I call to make sure everything was squared away at this point an agent advised that in fact I did not qualify for this program and that I must make a payment for XXXX XXXX if not they will once report to my credit. Knowing that I am without work and I have been experiencing hardship. I immediately made these payments to make sure that this will not keep affecting my credit. 

My overall credit history is excellent, and this has a negative impact on that. Since these notations do not reflect my overall credit worthiness, I've have sent 3 fax and one mailed letter kindly requesting that they give me a second chance at a positive credit rating by revising the XXXX late notation and adjusting these with the Credit Reporting Agencies. And not once has Td auto contacted me. 

Please let me know if any additional documentation would assist you in reaching a positive outcome, and I thank you for the time you have spent reviewing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As notated on my credit report, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX  XXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.
Product: Debt collection

In previous claims, I have asked not to be contacted by this predatory debt collector and they continue to send me letters. They will not receive XXXX cent from me. I don't have any contractual agreement with them. Stop harassing me.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Debt collection

I initially spoke with this company back in XX/XX/XXXX, and XXXX XXXX explained that they were trying to collect an old debt from a XXXX XXXX Credit card from 2006. I informed her that this debt has already been resolved and she proceeded to explain how that was not the case as the collection agency I paid was not the correct one. After a few more minutes of communication, I requested that she send me documentation in writing, and she immediately said, " Good Luck to you XXXX XXXX '' and hung up. Weeks later I heard nothing else from this company before my father in another state called me to tell me that they called his home phone looking for me and also told them that they had been unable to make any contact with me, which obviously was n't true. That was Friday XX/XX/XXXX. I called the company back that day and spoke with a gentleman who answered the phone. I explained my frustration with the first call, and the fact that they were calling my parents and lying about not being able to get a hold of me, and he resonated with my feelings of the level of unprofessionalism. I continued to explain the situation to him, and he flat out told me that the company I previously paid to clear the debt was a scammer and the debt is still owed. He went on to tell me that XXXX XXXX directly was placing a judgment on me. I requested documentation and he said that he could email it to me. I asked for it to be sent by mail and at that point he said, " Well, I can do that, but I have to label this as dispute ''. I told him that was fine, whatever he has to do to send me documentation in writing, and he finished by telling me good luck and hanging up on me. After being hung up on again, I tried to call back, and no one would pick up the line. On Monday XX/XX/XXXX, I received 6 calls within an hour and one voicemail. The voicemail was from a woman in compliance, who stated that they have made several attempts to contact me at my address, which they have not done, and if there is a lawyer that they need to speak to, they need that persons contact information, and if things are not resolved by the end of today they will be taking further action. I called her back and once on the phone I started by trying to explain the history of this, and that her statement that they have not reached me is false as I have spoken to two people within her firm. She seemed surprised by that and as I continue to explain the history, she quickly cut me off and told me that I started off the call wrong and as such she is not going to speak with me but continue forward with the action. We each began yelling and I asked several times for her to let me speak and she would not allow me to do so. She stated that she was going to contact my place of employment in lieu of speaking with me directly and continued yelling and screaming at me, at which point I had to hang up because it got so contentious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account that is being reported and in collections with National Credit Adjusters/NCA. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with NCA, in addition to disputing it with XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a credit card on my account that is not mines LVNV funding and Penn credit which is XXXX I was XXXX  from XX/XX/XXXX and I did not get out of XXXX  until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please delete these accounts ASAP.
Product: Debt collection

Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/1991 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( XXXX ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification.A detailed explanation of your verification process.If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Credit reporting or other personal consumer reports

You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be verified or removed immediately. The following laws also applies to these accounts : 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE, 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Therefore, the following accounts are inaccurate : 1 - Name : XXXX XXXX  Delaware Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

I am writing to follow up my request for the removal of a paid account from my credit report. This account has been paid and the collection agency agreed to delete the account.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.
Product: Checking or savings account

XX/XX/year> received 10 statements from Marcus by Goldman Sachs for online savings accounts. Contacted Goldman advised them I had not opened any accounts with them. Reported as identity theft and to close the accounts Contacted the FTC filed a police report mailed a letter requesting all documentation used to open the account per the FTC guidance, to Goldman Sachs with copy of drivers license, police report and FTC disclosure. 
XX/XX/year> received another 10 statements called Goldman Sachs was told accounts were closed. Then received 10 notices of the accounts arent funded with a deposit in 60 days they would be closed. 
XX/XX/year> received another 10 statements called Goldman asked when would I receive the requested documents in the letter sent in XX/XX/year>. Was told it was sent. XX/XX/year> called twice was told the information was sent mid XXXX. Called XX/XX/year> was told they had no record of anything being sent and they would put in a request. When asked for an escalation to the executive office I was told the first level manager was the only escalation and no further escalation.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the issue remained. I'm extremely frustrated and need this matter resolved immediately. Please review the documents Ive provided carefully so I wont have to deal with this stress again.
Product: Checking or savings account

On XX/XX/2008 I tried to pay for money transfer service with my card at XXXX in the amount of {$2700.00}. The card declined 3 times. XXXX Said the transaction did not go through. I emailed my bank CashApp and asked for funds to be released back into my account and was advised it would take 10 days. After 10 Days the money was still not released back into my account. I have been in contact with Cash App for over 2 months regarding this issue. They have not put my money back in my card. I went back to XXXX and they advised me to go to the bank for help.
Product: Debt collection

MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT. 
I called this company they could n't tell me why they are on my report .I sent letters to company asking them to send me what ever information that was used to open this account because its fraud no response after 5 months .I sent the credit bureaus letters disputing these accounts asking them to please investigate this fraud debt on my credit report because it was n't mine and to send me whatever the company sent them to verify the account. Thy just said verified and left on my account.
Product: Credit reporting or other personal consumer reports

My data was leaked and my privacy was broken I want my derogatory marks wiped thank you