23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2020 I applied with CrossCountry Mortgage to refinance and consolidate my mortgage and HELOC. In mid XX/XX/2020 the title company asked to provide a copy of my trust ( >100 pages ) which was during the COVID 19 pandemic while working from home. I confirmed with the title company that the information they needed was included on the trust certification which is ~3 pages and they ultimately agreed. I sent the information to the title company and 6 days later CrossCountry Mortgage said the underwriter needs a copy of my entire trust. During a phone conversation with the loan originator he said that the title company 's attorney approval should be sufficient and did not understand why the underwriter needs a full copy. I explained my concerns with sending this personal information that is irrelevant ( health care directive, etc. ) to close the loan. It took 6 days for the loan originator to get the underwriter to agree to a copy of the trust certification. When I received an estimate of the closing costs on XX/XX/2020 there were no fees associated with a rate lock extension. However, when signing the loan documents in early XX/XX/2020 the loan originator charged us {$1500.00} for the rate lock extension. This was never communicated to me prior to the signature date. I signed the documents out of concern I would not be able to close a loan with such a low interest rate and assuming CrossCountry Mortgage would work with me to settle the issue. In mid XX/XX/2020 I spoke with the loan originator at CrossCountry on  the phone and he verbally told me that I provided all the information within a reasonable time frame and that the rate lock extension fees were a result of the underwriter 's unreasonable request and delay. The loan originator said that he will work with his manager to obtain approval for a refund on the {$1500.00} rate lock extension fees. Communication went on for 3 months and during this time the originator said that a refund was approved by his manager and sitting with the accounts payable department. I continued to follow up on status and eventually the loan originator stopped returning my calls. As a result, I am filing a complaint in response to unfair lending practices of charging me for a rate lock extension that did not result from my actions/inactions.
Product: Checking or savings account

This started back in XX/XX/XXXX. I didnt know I was being charged because I had a XXXX XXXX  account. I shut that account down and I had to set up for my bills to come out of Wells fargo thats when I notices the double and triple charges. 
These are the emails I sent on XX/XX/XXXX @ XXXX est about this claim. The amount was XXXX this is what I added up. I never said I didn't know the merchant. I was disputing the double and triple charges. Attached are the highlighted charges I was disputing. 
Thank you!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im sick of you guys reporting inaccurate things and or things that are not suppose to be on there per XXXX  state law I dunno where u got this Information but its false or has been dropped to traffic infractions u even said I had a driving on suspended in a car in XXXX that hasnt even ran since XXXX LIES YOU GUYS ARE AFFECTING MY JOBS THE NEXT STEP IS GON NA BE A LAWYER CONTACTING YOU TO SUE U FOR LOSING JOBS AND LYING ABOUT ME AND DISCLOSING INFORMATION THAT IS NOT SUPPOSED YO BE ON THERE FUNNY THING IS I HAVE HAD TWO FROM U IN A FEW MONTHS BOTH REPORTS ARE DIFFERENT KINDA FUNNY HUH I WANT TO SPEAK TO SOMEONE PLEASE CONTACT ME PLEASE and shows XXXX tickets in XXXX  which XXXX a XXXX  lie I never got two tickets in XXXX
Product: Money transfer, virtual currency, or money service

I have been banking with SunTrust since XXXX. After retirement I relocated to XXXX where I now reside. Since I financially rely on retirement income from U.S. sources, I obtained international wire transfer privileges with Suntrust in XXXX of XXXX. This was handled in a personal meeting with XXXX XXXX at the XXXX, GA branch. 
Early this year I received an announcement that the wire authentication would change with the creation of Truist. XXXX XXXX assured me that the wire matter would be taken care of in due time. However, in the latest communication, dated XX/XX/XXXX, she states that the only option to obtain access is through another personal visit to a Truist branch. 
I find this response inadequate. My account is the same. I am not requesting additional services, merely the continuation of services that were previously agreed to and delivered without issues until XX/XX/XXXX. Why is the wire transfer agreement no longer valid when obviously other relevant bank agreements with SunTrust remain in place? 
I depend financially on the smooth handling of wire transfers and it is inconvenient, costly, and time consuming for me to visit the U.S. for the sole purpose of repeat signing of forms I already completed in XXXX. As an alternative I suggested that I sign and have notarized any new forms in XXXX. XXXX XXXX is yet to respond to this suggestion.
Product: Debt collection

Transworld Systems XXXX Inc ( TSI ) contacted me using US mails on XX/XX/2023. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation contained their symbol, which violates the Fair Debt collection practices act [ 15 usc 1692 ]. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ].

These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. 
On XX/XX/2023 I requested the following : *The principal amount you claim I owe you. 
*An explanation showing me how the amount was computed. 
*Copies of contract and/or application which proves I agreed to pay you the alleged amount. 
*General Accounting ( GAAP ). 
*Proof you are not violating HIPPA LAWS. 
*Valid copy of license for debt collection in the State of Arizona XXXX 
To which TSI could not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

Around XXXX, XXXX, without my permission, I was enrolled in a higher monthly internet plan. I was also enrolled in automatic bill pay without my authorization. XXXX had retained my payment information from previous payments, they began taking ACH payments randomly, not adhering to my due date, this created several NSF and bank fee 's, in XXXX, XXXX   I spoke to several representatives and finally a supervisor, and I was told that my plan was corrected and I was no longer enrolled in Automatic bill pay, and I would be credited for the return check fee 's as well as the difference in billing, when this occurred for a third time I discontinued my services, returned all of their equipment and asked for my final bill. I was told by a supervisor that due to the billing errors and the unauthorized ACH debits, they would settle my account for {$100.00}, which I immediately paid by check and noted PAID IN FULL on my check. I later began receiving several calls from XXXX stating I owed them {$580.00} for the equipment. I called and supplied them with my XXXX shipping receipts. I thought that was the end of it, I did not receive any further collection attempts. On XX/XX/year>, I learned that XXXX had sold my information to a collection agency and the agency placed a collection on my credit report for an additional $ XXXXThis does not make sense because it exceeds my monthly bill. I spoke to the agency and was told I couldn't prove that XXXX had given me a settlement for my account and that the debt was valid.
Product: Credit reporting, credit repair services, 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 ; Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the removal of some of the fraudulent accounts and information being reported on my XXXX XXXX, however, there are still a lot of Fraudulent information being reported on my XXXX XXXX wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my XXXX XXXX as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Product: Mortgage

I have a foreclosure date of XX/XX/XXXX. I am in the final states of XXXX XXXX XXXX providing me with assistance. They are rushing my file along and I have communicated that to Select Portfolio Servicing and they refuse. They want to foreclose on me while I have options to be provided assistance. I want to keep my home and if I file chapter XXXX bankruptcy to do so I will loose out on the assistance for XXXX  Mortgage Assistance.
Product: Checking or savings account

On Friday XX/XX/24 my Checking account XXXX was Declined at XXXX XXXX XXXX, on XX/XX/24 the same card was Decline @ XXXX XXXX and yet another decline at XXXX XXXX XXXX. After those declines I tried to call BMO bank but there was open availible call line open so called the emergency line and was informed I had the wrong the customer Rep then transfered me to closed line.

My Complaint is after Three days there was no help the bank was closed for the week end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Credit Report Account Dear Equifax, I am writing to formally dispute an error on my Equifax credit report regarding my [ XXXX XXXX ] account. As of [ XXXX ], my report does not reflect my on-time payments for the months of XXXXXXXX and XXXX XXXX This is causing my credit score to inaccurately reflect my financial behavior. 

I have attached the following documents to support my dispute : 1. A copy of my recent account statement from XXXX, showing my on-time payments. 


2. Screenshots of my payment history directly from the account portal, indicating a " good standing '' status. 



Based on the evidence provided, I request that Equifax promptly update my credit report to reflect my accurate payment history and ensure my credit score reflects this adjustment. 

Thank you for your attention to this matter.
Product: Checking or savings account

I received my stimulus check to my Current account and I tried to transfer XXXX dollars to my XXXX account because of having issues with being able to connect to my current account. They took the money off my account but never sent it to my XXXX account. I contacted customer service numerous times and then finally was told that my funds had been reversed and the very same day my money was sent person to person to XXXX only knows who and they won't tell me who instead they told me that I can't ever get my money back and closed my account. I need my money. I don't have any other money and someone in their customer support department stole mine. Please help me
Product: Credit reporting or other personal consumer reports

1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Debt collection

This co garnished my wages for {$140.00} without any prior notice to validate it or contest it, when I called to find out what the garnishment was for, no one had any information on the garnishment to validate their claim against me I was transferred 5 times to different agents with no knowledge of my garnishment that took place on XX/XX/2024, they did verbally confirm that the only account they had on me was an old Barclays credit card that had XXXX XXXX owed on, absolutely no documentation to support this garnishment, I feel I have been defrauded and this co cant give me any validation on this garnishment I want my money back and this debt put on notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Lend up / XXXX XXXXXXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. 
This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. 
Please remove from all three credit bureaus as I never had a account with or paid any money to this company.
Product: Checking or savings account

Citibank didnt give the dates but I have the amounts that were taken from my account unauthorized in Nevada USA such as followed : {$1000.00}, {$1500.00}, {$1000.00}, {$250.00}, {$250.00}.

Also I was supposed to pay my landlord for my monthly rent payment and I sent out the amount of {$2100.00} and someone stole it from my mailbox and was cashed by potential thieves. 

Citibank told me that Im responsible for all of this but they dont give me all the necessary paperwork to follow a complaint with the city police. 
I hope you guys will help me with this issue. 

Thank you and XXXX bless you.
Product: Debt collection

a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX
Product: Checking or savings account

I opened this account and put 2 deposit into the savings account around XX/XX/2022 and put too much money into the account, so i decided to put my XXXX account information using the routing number and account number provided by XXXX that uses XXXX. 

Marcus by Goldman Sachs has since locked my saving account requesting bank statements with the required information looking for the routing and account number from XXXX. I called XXXX and they said they don't provide that information on their statements just transaction history. so i called marcus back and requested for them to go ahead and remove the XXXX information from my savings account. 

Marcus has been nothing but rude and uncooperative about unlocking my the account. they wont even let me close the account. I just want the account unlocked and remove the XXXX information. Goldman Sachs refuses to unlock my account. I no longer want the XXXX tied to the account. Marcus customer service is very rude. I don't see how they can tie up people 's money like this. this isnt fair. i have children and need access to those funds immediately
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I have already tried to remedy this situation ; therefore, I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate reporting to all 3 credit bureaus and the credit bureaus and XXXX  XXXX is refusing to update information. XXXX XXXX  has been reporting inaccurate balances they will report statement balance and two weeks later report a difference reflecting as a statement for my XXXX XXXX XXXX. The balance is supposed to show {$30.00} as it did initially then change 2 weeks later to XXXX. All parties have refused to help this is the 3rd time this has happened