23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX loan servicing transfered from XXXX XXXX  to Shellpoint, I called Shellpoint on XXXX I requested mortgage assistance or mordification, I spoke to twodiifferent men at Shellpoint I requested mortgage assistance I was told they would take my financials over the phone I did not need to fill out a hard copy app. on XXXX I called back to inquire if a decision on mortgage relief had been made I was told by XXXX that I had to fill out a new app, twenty plus days were wasted.What my needs are is a lower payment than XXXX, I XXXX XXXX XXXX XXXX XXXXXXXX unable to work. 
Loan # XXXX with Shellpoint initally the mortgage originated with XXXX XXXX, I feel the loan offered was preditory 15 yr payment of XXXX, I feel this is senior abuse I had been XXXX  XXXX  they had my taxes as well as bank statement no consideration was made for business expenses I feel they looked at my gross and figured I could afford the high payment, all items sold to customers has to be paid for before items leave the warehouse the goods shipped or delivered to customers are not free, to drive to primary customers location gas would be over {$400.00} at an average of {$4.00} per gallon car payment {$430.00}, auto insurance {$140.00} just to go work at least {$1000.00} in expenses. 
i am now faced with other household expenses changing filters every 3 months and inteference during construction radiation added to the home to cause me and other occupants harm. The exterior now faced with rodents re gopher and mole as well as squirrels have started to be a problem. 
The builders lender also offered a preditory loan of 8.99 % initally it was at 5.99 % 30 days prior to close of escrow they offered a higher rate which was unacceptable I have bussiness expenses to pay other than a mortgage, there was a claim that my score needed to be higher she had been working with me sine XXXX she should have requested other documentation that would have raised my score 30 days prior is deffinately not enough time, I feel this ia a stratergy used to sell a higher intrest loan to a buyer. I also feel her upper management is in on selling a loan at a higher intrest rate there for not giving the consumer the assistance needed to acquire a low intrest loan. I was working with a credit repair company and was asked by builder to stop all disputes so they could pull credit. KB mortgage worked with XXXX XXXX Iapplied with California mortgage relief XX/XX/year>, I provided them with a sale date for my current home primary residence of XXXX. I did not get approved I am a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I came across the CFPB EXPERIAN lawsuit. 
I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. To this current date my credit report is grossly erroneous and as a result of this failure to fulfill this obligation, it constitutes a breach of duty and malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find out about helping me please and help get my identity back please
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX {$280.00} canceled but still charged after being told the account was canceled and no payments were needed I C system XX/XX/XXXX {$580.00} I don't know what this account is at all. 

Spring oaks capital LLC XX/XX/XXXX {$760.00} i have no recollection of this account being opened by me.
Product: Debt collection

Receive a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  asking for payment that of debt that I owe to XXXX XXXX XXXX 

Have no business dealing with " Credit Collection Services ''. 
I have no proof that they owe the debt. How did they end up owing the debt? Need to request for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or XXXX  807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Product: Debt collection

I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.
Product: Payday loan, title loan, personal loan, or advance loan

I applied online for a short term loan in XXXX. Within minutes Power Finance called with a loan offer of {$800.00}. I should have turned it down, because the loan ended up being one that by XXXX, I would have paid {$3000.00} back I was not able to pay it back in a month. Each month I got more and more behind with other bills. In XXXX I made a payment of {$400.00}, then XXXX - XXXX, the payments were {$500.00}. By XXXX, I was only able to make a payment of $ XXXX.By XXXX I had paid {$2200.00} back Instead of working with me, they said I should refinance. I got {$53.00} from doing that, but then the agreement was to pay {$600.00} each month, through the rest of the year. So far I have paid almost {$3000.00} ( {$2800.00} to be exact ). If I continue to pay the monthly payments, I will have paid over {$5000.00} by the end of the year. This makes me feel as though I am dealing with loan sharks. This would be considered a predatory loan, in my opinion. They definitely prey on people.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights.15u.s.c 1681 section 602 A. States I have the rights to privacy.15u.s.c 1681 604A.section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America pulled my credit report on X/XX/2015 without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019, I lost my wallet containing my SS card and Drivers License, since then I continue to see applications for credit appearing on my credit report that are fraudulent. I have tried contacting the creditor and credit bureaus and have had no success in removing the fraudulent inquiries. This has caused harm to my credit score and ability for me to get credit and jobs that i need. 

Here are the Trans Union inquires that must be removed immediately as they are all fraud : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2020 I had a larger deposit in which was for my back XXXX, I was made aware via email by workforce XXXX I had then gone over to my Citibank app to enter my acct to situate the money to a couple other accounts to pay on bills and whatnot since my woman owned small business took a huge hit from the pandemic, and had no income, and when I do finally get my XXXX, its basically to no avail! But, back to after entering the app, I could not gain access to my funds, I msg from the app to Citibank via the app messenger, but theyre stating theres no block on it, but yes there was, and yes, THERE STILL, I again, try just yesterday, THEYRE still staying my acct is active, to call in, even after I signed a form yesterday, every time, like as a year ago, all seem to going fine, till I get put on hold for them to access my acct, theyll then return very different acting n say, theres no problem, but call in to the said department.. XXXX  was contacted immediately of the occurrence, Im not clear what happened there, nothing that helped me.. I have all correspondences, emails from them since ... and also, the probably 30-40 CALLS Id made prior, just endless transfers to representatives that are barely able to even be understood, but all to have said the same, not a problem, some say yes, was a block they put, but its been lifted.. I just want into my acct n get my money they stole! Please help me... thanks and god bless. XXXX XXXX XXXX XXXX **** will gather up all documents pertaining to, included the screenshots of the msgs yesterday.XXXX
Product: Checking or savings account

I have had a checking account with Citi for over 40 years. In XX/XX/2022, I mailed a personal check for {$93.00} to the water company but it was stolen out of the mail. 

That check was washed and the amount was changed to {$5600.00} and the recipient was changed to the name of a lady. The check was then cashed and, despite how clearly fraudulent the check appeared, Citi mistakenly paid out that larger amount and took those funds from my checking account. 

I immediately notified Citi and have been trying for EIGHT months to get back those stolen funds. I have a copy of the washed check and it is a mystery how it could possibly have been considered authentic. How could their electronic fraud detection system not have flagged the check as questionable? 

I have spoken with their representatives innumerable times. I have filled out forms and affidavits repeatedly. I have sent copies of the washed check, information I found online about the lady who cashed the check, and whatever other information they have requested. They have filled out new case numbers again and again - and nothing has happened. 

They are claiming that they are waiting for some paperwork back from the XXXX XXXX XXXXXXXX, where the check was apparently cashed. But they have told me that repeatedly since about XX/XX/2022. 

I have asked my branch bank representative if he could help ; he says no. I have written emails to the executive offices repeatedly. They have connected me to the Citi Executive Response Team, with which I have spoken repeatedly. 

This process is stuck. It has been eight months. What can I do to resolve this situation and get back that {$5600.00}? 

It is shocking that Citi would delay that repayment. What would happen if I were someone who needed those funds to pay my rent?? 

There must be some steps I can take to resolve this issue. Thank you so much for any suggestions you might have. 

XXXX XXXX
Product: Mortgage

I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. 
See attached as an example. 
The subordination application was submitted on or before XXXX XXXX, XXXX. 
I reached out on XX/XX/XXXX for an update. 
I didn't receive a response until XXXX just saying things are delayed. 
I didn't receive a real response until XX/XX/XXXX. 
We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a third party entity called XXXX also known as XXXX in early XXXX of 2023 due to incorrect data they are falsely advertising and selling to the credit bureau Experian of me. 

The name of the person I spoke to is XXXX XXXX and I dont know what his person. She falsely indicated my address, she refused to disclose the fraudulent information that was in the files of XXXX, a company that does rental screening etc. I never lived at the place they are reporting to Experian. My ID, social and money and other things were stolen from my purse and I have alerted all credit bureaus to include a fraud alert on my credit and I keep it frozen. XXXX XXXX and Experian are falsely accusing me of a debt that does not belong to me. They are have wrong address and other data of me incorrectly. I am in process of filing a lawsuit against Experian and XXXX. I have asked both of these companies to send me a notarized contract or legal agreement with my signature as well as a copy of my ID and other verifiable information of who can prove that this alleged debt from a XXXX company even exist. This is fraud and a XXXX system that these third party companies keep trying to manipulate and cause hardship on people of XXXX. Its against FCRA laws to reinsert an alleged debt that has not been verified back into a consumer files. Experian has also investigated and removed this allegation from my credit. This alleged debt was six or seven years ago when I found out my information was as stolen. I never lived there. XXXX XXXX said she couldnt provide any information on this alleged debt so how can you falsely accused someone of a debt you can not prove. I am a homeowner and I have good credit. These XXXX third party companies are XXXX biased and trying to keep people of XXXX XXXX and keep them in debt. XXXX member number is XXXX XXXX and she called me and lied and said my file was going to be unfrozen so she can exploit fraudulent debt. I never lived at a XXXX address. Never in my life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. Discover Bank has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Product: Credit card or prepaid card

I submitted a complaint to you ( complaint # XXXX ), because Bank of America refused to close my credit card account. I have paid them in full and even had a credit balance ; sent them a letter then contacted you.

After submitting my complaint to you, I received a letter from Bank of America, ( dated XX/XX/2021 ), stating that my account ending in XXXX had been closed. 

Additionally, I received an email from you advising me that the case had been resolved and closed. It appears that it has NOT been resolved. 

On XX/XX/2021, I received a statement from them wherein, the not only took my credit balance, but advised me of upcoming service fees AND late fee penalties, if the service fees were not paid!!

They apparently HAVE NOT CLOSED MY ACCOUNT.

Can you Please assist me in getting BOA to close my credit card account, as I no longer wish to have this credit card account open.
Product: Checking or savings account

They launched a new mobile platform 2 months ago. We were locked out of accounts for a month, finally got online backing back up with limited functionality meaning besides checking balances I have to call to move money which is taking up to 3 hours to get a hold of bank rep to get things done in account each time. In a given week I have 5-10 hours trying to get a hold of the bank
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer reporting agencies ( CRAs ) access and use consumer credit reports. It also protects the privacy of consumers ' personal information. 



Business is dissolved.
Product: Debt collection

I keep a close eye on my credit report. As this account is not on my   XXXX   report. It did appear on the mortgage companies report they pulled from  XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the   XXXX    report from them. This should be investigated by CFPB and my attorney for violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { Creditor Name } XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX  XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } cXXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXXXXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Covid 19 Pandemic really affected my ability to pay my creditors so I am asking for the charge off to be removed from all 3 credit agencies.
Product: Debt collection

The amount of times and different numbers Portfolio Recovery has called me from is harassment. They call me before I wake up in the morning. They call me at XXXX XXXX  when I am at work. They call multiple times a day from lots of different phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.