23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

- We put down {$99.00} earnest money and $ XXXX  towards structural changes ( 20 % of the structural changes ) on a new build on XX/XX/2018 - We were reassured over and over again by XXXX XXXX  ( builder 's ) realtor that this was all at no risk. If we did not receive orders from the Military to VA, we would get all of our money back. My sister and husband were both present for this talk -We trusted our realtor XXXX XXXX  to double check that contingency, he did not, so it is not in the paperwork.

-However, we have on the contract that we will be using a VA loan. The VA will not approve a loan for a home that you can not physically occupy for a required amount of time -We were pre approved using their preferred lender at the end of XX/XX/XXXX

-XX/XX/XXXXwe supplied our VA info for eligibility -XX/XX/XXXXwe received notice that our VA eligibility was $ XXXX  less than expected because we had a previous VA compromise sale -We were told at the time of our compromise sale that it would not effect our eligibility. That info was obviously incorrect.

-We are now being asked to either switch to an FHA for closing with {$24000.00}, or bring $ XXXX to the table upon closing for a VA. Neither of which we agreed to.

We now have TWO strikes. We can not come up with the $ XXXX   they're requiring from us, and we do not want an FHA. We also do NOT have current orders to VA. We will receive hard orders in the next few weeks ( possibly not until XX/XX/XXXX ). They will show a detachment date ofXX/XX/XXXX from our current command, and an attachment date to the XXXX XXXX Virginia command in most likely XX/XX/XXXX or possible XX/XX/XXXX, or XX/XX/XXXX. But al of this can change.
Product: Debt collection

On XX/XX/2023 I checked my credit and saw a debt collection account that I had no prior knowledge of. I had never done business with this collection company nor a contract and I have never received any notice about any debt owed, which by your standards a debt collection company must do the following prior to reporting a debt to the credit reporting companies : " Speak to me by telephone or in person about the debt or mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable ''. Neither of these things happened. 

So, on XX/XX/2023 I emailed the company at XXXX and XXXX to dispute this alleged debt and I also mailed a dispute letter via the USPS on XX/XX/2023, the letter and the email along with a receipt of the USPS transaction will be in attachment. 

Now, as of XX/XX/2023 I have not heard a word from this company about verifying this alleged debt and on XX/XX/2023 the account does not show as being disputed on my credit report nor have I received notice via XXXX as of today that this account is being disputed. This company has ignored my letter and email about this dispute and they also refused to update the status of the account as " being disputed '' this a clear and blatant disregard to my rights and a clear violation. This account needs to be deleted ASAP!
Product: Credit reporting or other personal consumer reports

I made a very large payment against this student loan. It has been 90 days and they ( Mohela ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the Mohela website which clearly shows a very large payment against my balance, but Mohela will not confirm and the 3 major credit reports close out the dispute without any changes.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a loan was granted in my name. I never applied for a loan aor any loan for that matter with this company. However, they have contacted me by phone and email trying to collect payment from me on XX/XX/2020. I returned their calls, but alas, they do not have voicemail. I wrote them a kind letter stating that I did not apply for a loan with them. They sent me documents that ask for my personal info, including my bank account info ... red flags there ... I have yet to reply or fill anything out pertaining to this. They say that I am a victim of fraud, and I need to pay the loan regardless. The loan amount is for XXXX. 
I have not signed any documents, or provided them with any of my financial information. 
It really sounds like they are fishing for my personal info ... .. 
The Company /Loan provider is Spotloan They have not provided me with any documents with my supposed signature ...
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

West Lake Service allowed someone to use my name to get an auto loan that is fraud for this loan is not mine and id due to fraud
Product: Credit reporting

I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$9500.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$9500.00} when in fact, {$8500.00} were attorney fees, paid directly to XXXX.
Product: Debt collection

XX/XX/XXXX Resurgent Capital Services/LNVN XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute of Debt - Reference Number XXXX Dear Resurgent Capital Services, I am writing to formally dispute the debt listed on your collection notice dated XX/XX/XXXX. This debt is incorrect and should not be attributed to me. 
After a thorough review of my all my credit reports with the three different credit reporting agencies ; XXXX, XXXX, and XXXX, I found no record of an outstanding debt with XXXX XXXX XXXX XXXX, associated with the account number ending in XXXX. I had an account with XXXX XXXX XXXX XXXX in XXXX which was paid for in full and closed by me. However, the last four numbers of the account number you provided does not match any of my records. The notice you provided lacks credibility in the information listed and is in error with the laws. Copy included.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide the following information to verify the validity of this debt : 1. Financial Records : - A detailed statement of account showing all transactions, including the opening, and closing dates, all charges, and all payments made on this account.

- Documentation showing the current outstanding balance and how it was calculated.

2. Original Credit Agreement : - A copy of the original credit agreement for this account, including all terms and conditions.

3. Proof of Debt Transfer : - A copy of the bill of sale and purchase agreement related to the transfer of this alleged debt from XXXX XXXX XXXX XXXX to
Resurgent Capital Services/LVNV.

4. Proof of Debt : - Any supporting documentation, such as a judgment or court order, which proves I owe this debt.

- Verification of the complete chain of ownership of this debt from the original creditor to the current debt owner.

5. Statute of Limitations : - Information regarding the applicable statute of limitations for this debt in my state of residence.

Please note that I am disputing the validity of this debt. As such, I request that you place a cease on all collection activities related to this account until you have provided the requested information and verified the debt 's validity. This includes, but is not limited to, ceasing all phone calls, letters, and credit reporting activities. I have received multiple calls from a XXXX exchange. I do not answer, and I am assuming that those calls are related and are not in compliance with the law as far as identification and harassment to the number of calls received daily exceeds one per day. I have copies of all the phone records.

Furthermore, I request that you do not report this disputed debt to any credit reporting agencies. If you have already reported it, please notify them immediately that this debt is disputed.

I am prepared to take further legal action if necessary to protect my rights under the FDCPA and FCRA.

Please send all future correspondence and the requested information to the address listed above. I expect a response within 30 days, as required by law.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian conducted an investigation into a disputed account being reported by XXXX XXXX. they completed the investigation and deleted the account on XX/XX/21, and today it was " updated '' and reappeared on my account. they refuse to remove the fraudulent account although the investigation was completed and all proper documentation was provided.
Product: Money transfer, virtual currency, or money service

I've been trying to access my balance but google wants me to verify my payment method. When I try it tells me that the verification Link is expired. Ive contacted them at 20 times already. They escalate it to the " specialist team '' who do nothing. They are no help what so ever. Most of the time they don't even listen to what you're telling them or look at the screenshots they ask you to provide. This is beyond ridiculous that no one puts this company in their place
Product: Credit card or prepaid card

Ive been affected by the equifax breach and have multiple accounts that i have not authorized on my reports.
Product: Credit reporting or other personal consumer reports

I am willing to dispute several inaccuracies and incomplete information that i have discovered upon reviewing my credit report. It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts. 

Account : ( XXXX ) XXXX XXXX, XX/XX/XXXX {$1400.00} Account : XXXX XXXX, XX/XX/XXXX {$970.00} Account : XXXX XXXX XX/XX/XXXX {$2300.00} Account : Achieve Personal Loan XX/XX/XXXX {$7700.00} Account : Capital XXXX XX/XX/XXXX Account : XXXX  XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, the consumer agencies, XXXX, XXXX and TransUnion mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, XXXX and Transunion sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that XXXX provided to me and the various credit scores lenders actually use. As a result, XXXX, XXXX and TransUnion credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry on my credit file from XXXX XXXX it is fraudulent
Product: Bank account or service

So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card.
Product: Mortgage

Please refer to attached response from NCSECU for relevant dates, details, and summary of issue. 

I share the mortgage and ownership of a home that I used to live in with my former partner. My former partner forgot to make her deposit into the account we both share which is set up to auto-draft the monthly mortgage payment. SECU does not offer notification of late payment by any means other than physical mail. The first notification I received that a payment was late was when I received a call from collections after the payment was 30 days past due. The payment was made on the same day. The paper letter notifying of the late payment was delivered a few days later. The delinquent payment was reported to credit reporting agencies and has adversely affected my credit. 

After contacting SECU, they were unable to offer any solutions to be notified of a missed payment any sooner than the physical mail.They were also unwilling to have the delinquent payment removed from my credit report. 

Based on the events, I do not feel like the delinquent report accurately reflects my credit worthiness as a borrower. If I could have received notification of the late payment at any time before the 30-day window I could have made the payment. It was an honest mistake by my former partner, and I do not feel like my credit history should bear this mark.
Product: Money transfer, virtual currency, or money service

XXXX XXXX messaged me on a website roomies.com offering to rent a room under the name of XXXX. She gave me a tour of the room on XX/XX/XXXX at XXXX and stated to me that in order to move in, it would cost me {$950.00} and {$200.00} for deposit. On XX/XX/XXXX I took out a money order of {$950.00} ( came out to {$950.00} for processing fee ) at Wells Fargo and wrote a check for {$200.00} for the deposit. I was given keys and I told her I was going to move in my stuff on XX/XX/XXXX. On XX/XX/XXXX, I arrived to drop off my stuff and move in, but no one was there. The key she gave me did not work and didn't open the door. I messaged her, called her. She did not reply. The calls went straight to voicemail. 

I got a bad feeling and have notified my financial institution. I later googled the name she told me to write the money order and check to : XXXX XXXX. A mugshot came up and it was her. She was arrested in XXXX in XXXX, NC for theft under false pretenses. 
XXXX XXXX XXXX  XXXX She lied And told me XXXX XXXX is the name of the landlord. XXXX XXXX went by XXXX. I reported her account to roomies.com and she was banned. 

I tried to work this out with Wells Fargo my financial institution. They were able to retrieve the XXXX from my personal check. Unfortunately they were unable to retrieve the {$950.00} on money order because it was not lost, stolen, and XXXX signed for it already. I would appreciate any help in retrieving the rest. This has been a huge hit to my financial struggles. 

A police report has been created in XXXX XXXX.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX payment history : XX/XX/XXXX late 60 day, XXXX XXXX late XXXX, XX/XX/XXXX late 60 dayXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Payment Status : Current payment history : XXXX, XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX payment history XXXX to XX/XX/XXXX late XXXX, XXXX and XXXX  days XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$450.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Payment Status : Current payment history : XXXX. to XX/XX/XXXX XXXX days XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/2019 this has been going on since XX/XX/2019 I've sent them letters certified and still have not corrected it count has been closed since XXXX and now they are real and putting charge-offs and late payments on XXXX I was also part of the XXXX  breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX  XXXX XXXX   free age XXXX it's been closed since XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I was notified of a hard credit pull from a company listed as Feb/Destiny. I immediately froze all 3 cresit bureaus, and contacted transunion. XXXX told me in order to have the hard inquiry deleted, I needed to call the company and request a letter. When o called the company an au to mated system answers saying it is destiny XXXX, and asked for my entire social. I did not give and requested customer service. A second automated message comes on saying thwu are attempting to collect a debt. I have no debt in collections. So, I am being told that without a letter from this fraudulent company I can not have this hard check removed from my account UNLESS now I recieve a letter from this organization. Frustrating that I have to jump through all these hoops bit fraudulent companies and thieves can simply type and hit a button to access what they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX