23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

loan was started, documents were sent, appraisal fee of {$590.00} overnighted at my expense, I realized they did NOT have my last name spelled correctly on the documents I was told to sogn and return- which made no sense as these documents would have be void without the correct information on them to start with. The originator XXXX XXXX said send them back and she would change the name in the system right away since I was already locked in for my rate from the date app was started. Went into the branch to establish a new account and worked with XXXX to do so and confirmed the spelling error and was again assured this was being changed as we spoke on XX/XX/year>? or there about when the account was opened. Come to find out this originator was leaving the company and NEVER followed through with the name change therefore the NEW orginator XXXX did not start working on the offer until after XX/XX/XXXX and credit score had changed and now I am told I no longer qualify for the loan " that was locked in '' on the XXXX date even though this was the bank error. Was told in 3-5 business days I would have the appraisal refund back and I STILL DO NOT HAVE MY REFUND. WHAT A JOKE THIS PLACE IS - NO SENSE OF URGENCY NO ONE CARES ABOUT THEIR ERRORS AND COULD HAVE CARED LESS THAT THEY XXXX XXXX OUT OF A LOAN BECAUSE NOONE DID THEIR JOB CORRECTLY
Product: Student loan

I faxed my PSLF forms to Mohela on XX/XX/XXXX. They mailed a letter to me 2 months later, stating that my employer had missed 1 box on their form. They informed me to have my employer call them to verify the correct information. My employer will not do this for security reasons. My employer requested a representative from Mohela email them, and they could verify. Mohela informed me they could not contact my employer directly, nor could I email or electronically submit the corrected forms. They informed me I would have to fax or mail the corrected documents ( which would take 60-90 days to process ). They said if I had a Mohela account, I could upload electronically, but because my loan information was not yet verified with them, I could not open a Mohela account. in XXXX, it is incredibly inefficient, frustrating, and time consuming to not have an option to electronically submit documents, especially when processing times are so long. I spent many hours today on the phone trying to get answers, was given misinformation, and more. As a borrower, I am trying to be proactive and manage my student loans, but I am running into red tape and barriers every step of the way. The process towards loan forgiveness has been a substantial burden for me and thousands of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having trouble with Wells Fargo Mortgage for 7 years I've been trying to get Wells Fargo to remove a negative remark on my credit report that states my home at XXXX XXXX XXXX XXXX XXXX NY was in a bankruptcy in XX/XX/XXXX. it was not I had been making payments every month right up until I sold the home on XX/XX/XXXX.I have called Wells Fargo at least 10 times about this problem to no avail. I have also sent certified letters to all three credit bureau 's with supporting documents to prove that payments were made and that the home was sold in XX/XX/XXXX and paid in full. Still no one is correcting my credit report now I want Wells Fargo Mortgage removed from my credit report completely or at least updated and the statement that house was in bankruptcy removed and it should show house was paid in full. It is my experience that Wells Fargo Mortgage is dishonest and a crooked lender they are allowed to get away with murder and no one stops them. I have sent all 3 bureau 's undisputed proof that the house was paid for and I made my payments on time for the last two years.I need the XXXX XXXX to intervien and get my credit report with all three credit bureau 's corrected. please help me. on XX/XX/XXXX I sent letters to all three bureau 's requesting a correction but they did nothing on XX/XX/XXXX I also sent out letters certified mail. demanding that they correct my credit report but I assure you nothing will be done. I have copy 's of all corespondence including certified letters supporting documentation to prove my house was not in a bankruptcy.and am ready to inclose with this complaint.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unathorized use of my credit report by the companies listed below:

XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. Transunion is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXe Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX. 

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.
Product: Checking or savings account

Wells Fargo Bank-address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My name is XXXX XXXX XXXX. my phone numberis XXXX, XXXX, and for more than two months they say nothing abaut my money and only they say that my account was closed because i add my little XXXX  like beneficiary, she is XXXX XXXX XXXX and she live in XXXX. 
my little XXXX is in the process of family reunification and i need Wells Fargo Bank to return the money to me so i can pay for the XXXX procedures, please.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Capital One for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) concerning their mishandling of Account # XXXX. Their actions have inflicted significant harm on my financial well-being and damaged my credit standing. 

Capital One has reported inaccurate, unverifiable, and erroneous information regarding this account on my credit report. Despite my proactive efforts to resolve this matter, including the submission of six formal dispute letters that clearly outlined the inaccuracies and missing data points, Capital One has failed to validate or substantiate the accuracy of the information.

Under the FCRA, furnishers like Capital One are required to investigate and verify the accuracy of disputed information. If they are unable to provide supporting documentation, they are legally required to correct or delete the information from the consumers credit report. Capital One has failed to meet this legal obligation. Despite my repeated requests, they have continued to report false and unverifiable information, which has directly impacted my ability to secure credit at fair interest rates.

Their persistent noncompliance has not only lowered my credit score but has also limited my financial opportunities and damaged my professional reputation. This type of negligence is inexcusable, especially considering the protections afforded to consumers under the FCRA. I believe this is part of a larger pattern of noncompliance by Capital One, as I have seen similar complaints from other consumers.
Product: Vehicle loan or lease

I was inquiring about the lease incentive from Tesla. They told me it was a {$7500.00} incentive. I asked how it was applied and was told they will provide those details to start my order, which has a mandatory {$250.00} fee to proceed. Once I proceeded, I was not given any explanation as to the lease terms or how the {$7500.00} incentive is applied. By my calculation, given the money factor shown ( which was also in no way explained, I had to XXXX what it meant ), that not only is the {$7500.00} not applied, but the money factor is severely understated, and the effective APR is in the 100 % + range. 

Even more deceptive in the practice is that you are told if you accept the lease ( without being given appropriate terms ), you may not change to cash or other financing options. So I am forced to blindly accepting dishonest lease terms if I want to read why they are dishonest. 

I tried contacting a sales rep several times throughout the day, was provided a phone number that did not work. I requested a {$250.00} refund through the online contact feature and was told they would not refund my {$250.00}. 

Unrelated to my complaint on their deceptive acts above, they lease term said it was valid for 60 days, but I have to reapply every time I refresh the app. There is not a way through their app ( the only interface available to me ) to see the existing lease terms. They give me no way to honor the 60 day approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX  XXXX XXXX   XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX  XXXX {$560.00}
Product: Consumer Loan

I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX OPENED ON XXXX, An credit card open by XXXXXXXX XXXXXXXX on XXXX and an credit card issued by XXXX XXXX XXXX  opened on XXXX XXXX XXXX  anf a two collection accounts from XXXX XXXX opend on XXXX XXXX, XXXX and the second account reported by XXXX XXXX open on XXXX XXXXXXXX XXXX  Hard inquirys from XXXX XXXXXXXX XXXXXXXX XXXXon XXXX This hard inquiry was from a fraudulent credit application that has been resolved by XXXX XXXXXXXX XXXX  XXXX. this has resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and anxiety and I am the author of this complaint
Product: Mortgage

Fifth Third Bank increased our monthly mortgage payment by {$600.00} without cause after buying our mortgage from another bank. In addition they never paid our home insurance account which forced a loss of our 25 year plan and increased our premium by {$1500.00} annually. They fluctuated our mortgage payment several times in one year and then penalized us by hitting my credit so that I could not move banks. No one at this institution will explain the artificial escrow increase even after speaking with the office of the president. We pay our own home insurance and the only escrow is for taxes which have not increased to to justify this surplus. They have ruined our credit, crippled our ability to afford anything for my family over the last two years and people need to be aware they should not bank with them.
Product: Debt collection

I paid off my Discover Credit card at the beginning of this year due to predatory interest rates. I was asked if I was sure and told it would be terminated by midnight. About a month later, I received a bill for a dollar and some change. I called to explain the account was paid, and it was confirmed it was indeed paid. I was then told they forgot to charge me and so I needed to pay in order to re-close the account. After paying more than twice the amount I charged, I said you can't reopen an account with an oops and begin charging again. I told it was closed, received a letter that it was closed and will not give them another dime. I continued to get bills with an increase of about a dollar a month. I called again and went thru the same mess. I then told them to stop billing me. I began receiving calls about the past due amount, went thru the same discussion again, and told them not to call my phone again. I've continued to receive bills and phone calls, with the most recent one being tonight at XXXX XXXX. from phone number XXXX, in which I told him to leave me the XXXX XXXX XXXX alone. This is harassment, This is debt XXXX, debt slavery, debt XXXX, and continued bulling through out the day and night. Please help me from this greedy, unethical, unprofessional, abusive, XXXX credit card company. I destroyed earlier bills but have copies of last two months. Please review the entire account, as the amount in the past 6 months were not consistent. I believe I destroyed a bill for {$10.00} and change, but now the amount due is lower. Check my entire history with these gansters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and Better Business Bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 47 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 47 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Transunion it's ( XX/XX/XXXX ) and on XXXX its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number XXXX XXXX XXXX : XXXX
Product: Credit card

I have a Bank of America ( BOA ) credit card. I enrolled in BOA 's " e-Bills Automatic/Reccuring payments '' which automatically " Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that " The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. BOA then processed my payment on XXXX XXXX, 2016, stating " This payment was transmitted electronically to Bank of America Credit Card on XXXX/XXXX/2016. '' However, BOA did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, BOA charged me a Late Payment Fee of {$25.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police ReportXXXX identity theft report ( XXXX  REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX / XXXX XXXX. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX  report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Someone stole my information and open an XXXX account, they receive the funds. My XXXX account was close do to this problem of balance check and Identity Theft. I do not know how this happen I explain this to the XXXX at the time I realize there was a problem with my account. I have dispute this account with Midland Funding several times and they refuse to move this off my credit report. I have open an Identity Theft Report the number is XXXX with XXXX County. The Midland Funding account is XXXX.
Product: Checking or savings account

We were the victims of identity theft, and someone stole XXXX dollars from our checking account. We filed a police report along with a dispute with the bank and the bank is refusing to refund our money. We were not negligent in protecting our information, nor did we lose the debit card used by the thieves. The bank is refusing to provide details behind their determination. We reported the theft inside of XXXX hours of it occurring ( the transactions took place in the night ). We took out a loan to prevent outstanding checks from bouncing and to be able to pay our bills while the bank conducted their investigation. Wells Fargos response on this is entirely unacceptable.
Product: Credit card

After XXXX filed a civil suite for collection, an agreement and imidiate payment was made to thr lawer they used. Then a week later they continue to try to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

loans show up on my report and its not mine, i have police report # XXXX Id theft
Product: Student loan

Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX