23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. 

I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. 

But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. 

US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. 

During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Something tan my report without my permission
Product: Debt collection

Overview You have 100 % left to pay on this collection. 

Balance {$950.00} Highest Balance {$950.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Checking or savings account

I am an XXXXXXXX XXXX. I enrolled in my employer XXXXXXXX XXXXXXXX XXXX  and received the proceeds from my first sale a few weeks ago. The amount wired to my Goldman Sachs ( GS ) bank account was {$52.00}, XXXX. I transferred that money out to pay for expenses that I needed to cover. However, GS called and said that the amount had been reversed and the new, correct amount had been posted of {$25.00}XXXX XXXX and now I have a negative balance of XXXX XXXX XXXX  I did not know how much to expect because this first wire was the result of several trades during the mandatory quiet period. Like any direct deposit, I trusted that the amount was correct. 

I called XXXX XXXX ( XXXX XXXX and they said they sent out the right amount so they don't know how this happened. XXXX has also confirmed with XXXX that they posted the right amount to GS. This is confirmed by the wire trace. The correct amount was sent to GS so now XXXX can not see what happens once they post the right amount. However, now GS says unless they get the money back they have to terminate my relationship and I can no longer do banking with them. 

My account still stands at a negative balance until the money is returned. But this is an error on Goldman Sachs part, not mine. This has impacted my standing at other banks as my day-to-day bank XXXX XXXX closed my account as I have been flagged as a high risk customer. GS is treating me like I committed fraud although I have done nothing wrong and continues to insist that I give the money back- this is money that I do not have. As they have all noted it, I immediately transferred it out to XXXX XXXX to pay other debts. It looks like they simply transposed the amount incorrectly ( XXXX vs XXXX ) butt this is their error, not mine. 

XXXX provided me with a reference number for GS and XXXX to discuss my case, but GS has not acted on this and continues to iterate that my account is not in good standing without investigating or taking ownership of the problem that they created. I have filed a complaint with the Federal Reserve Board as well. Goldman needs to right this, but they are refusing to do so.
Product: Mortgage

CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX/XX/XXXX. Loan originated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted as I did not authorize these companies to run my credit 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: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I received an email from XXXX that funds has been used from my account to buy cryptocurrency thru Coinbase. I called the support number in the email to reach out to XXXX, but was connected with the hacker. He convinced me that I needed to close out my XXXX XXXX  savings account so he could install more security protection. On XXXX XXXX, XXXX, he transferred {$15000.00} to Coinbase account he opened in my name, XX/XX/XXXX transferred {$49000.00}, XX/XX/XXXX transferred {$48000.00} and {$50000.00}, and $ XX/XX/XXXX transferred {$59000.00} for a total of {$220000.00}. My total life savings. I am XXXX XXXX XXXX, single woman, who lives alone. I can access one Coinbase wallet that only shows my sending info for the two-step id to the account. No money is in that wallet. The second wallet, where the money went is gone to my view. However, a recent phone call to Coinbase, I was told they could see the transfers in and out and declined to tell me where the funds were transferred and by whom. 
Can you help me?
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX XXXX XXXX  some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a heart to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.
Product: Debt collection

this Collection company is reporting this account on my credit report. I have asked this company to validate this account. I have never done business with this company.
Product: Debt collection

Validation of Debt According to 15 USC1692g I want you to send me a detailed of the history of payments made by me on this account I want to see the signature that i put on a contract guaranteeing that i would pay the creditor Im asking to see has there been any insurance claim found on this debt I want proof that you have the chain of title to collect on this debt According to 15 USC 6801 you have violated my right According to 15 USC 6802 you have violated my right
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.
Product: Debt collection

This company started by texting me and family members saying they were with XX/XX/XXXX When I called they claimed to have a " case '' against me for a very old payday loan that was settled years ago. I never received anything in writing but they are now threatening and harrasing claiming that they will garnish wages and take me to court. 
Claiming I owe over {$5000.00} This started XX/XX/XXXX They are claiming to have received my debt/account in XX/XX/XXXX I contacted original creditor to verify they did not sell it to this company and I do not owe.
Product: Debt collection

The debt collector contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and didnt identified the debt. On the last message whom ever called used bad XXXX words and this is unacceptable. Previous calls were in XXXX, XXXX and XXXX to the extent they contacted my girlfriend which had nothing to do with it and provided her information regarding the debt collection and also threaten with legal actions. 

On XX/XX/XXXX XXXX XXXX Account Consultant from Genesys National Recovery , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX City, TX XXXX Direct Phone : ( XXXX ) XXXX Office Phone : ( XXXX ) XXXX sent an email stating I owed {$590.00} from XXXX XXXX in XXXX, XXXX. 

When I had previously already stated in XXXX that based on XXXX reasons I could no longer attend and based on the XX/XX/XXXX XXXX XXXX situation it was a health risk to attend. 

The Government of XXXX XXXX since XX/XX/XXXX has all these facilities closed additionally there is a class action law suit against XXXX contracts In XX/XX/XXXX I came to an agreement to satisfy such debt so they stoped harassing with taking me to Jail, law suits, garnishments and legal actions. 

Since XX/XX/XXXX Ive been emailing the collection company to stop harassment and disputing the debt. They have not answered as well they did not answer a previous complaint for similar reasons with this same Consumer Finance Agency. 

They have not responded to my dispute email and I have sent them over 4 disputes to the same emails they have previously written to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my Transunion report from XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Transunion said I should contact XXXX I wrote XXXX a letter to please respond when I did this..I did not apply with them. 
As of XX/XX/18 I have not heard back from them.
Product: Credit reporting or other personal consumer reports

One Main Financial incorrectly reported a late payment on my credit report for the month of XX/XX/year> when in fact they took out an extra payment from my account without my permission in XX/XX/year>. My account was not in fact late, I've tried contacting them several times to address the issue and did not receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX XXXX registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, GA. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX and I noticed these inaccuracies on my credit report in XXXX. Please remove it from my credit report immediately, Im a victim of identity theft and these accounts are not mine. XXXX and Equifax and not reporting these inaccuracies must be removed as soon as possible to correct my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/scrub>XXXX XXXX XXXX  I am unable to get a loan from webpage to fund account from 100 % available credit file for finances.
Product: Credit reporting or other personal consumer reports

This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( XXXX, XXXX, EQUIFAX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit reports provided by TransUnion, XXXX, and XXXX. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of 12. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by XXXX, but there is no information from TransUnion or XXXX regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status. 

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that TransUnion, XXXX, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,