23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS. 

I was applying for an FHA loan through Veterans First Mortgage with Lon Officer XXXX XXXX MLS # XXXX being my point of contact. I started this process in early XXXX and was approved for my loan of {$64000.00}. The original reason for me buying this property was because my wife and I were separating. On XX/XX/XXXX16 the house that my wife and I were sharing burned down. It was a total loss and her and I and our children are now living in a hotel. I have provided all of the documents that have been requested and then yesterday XX/XX/XXXX16 XXXX XXXX contacted me via email saying that they needed my separation documents for underwriting. I informed them that there were no separation documents because nothing had been filed. I was then further pressed to have a lawyer draw something up. I informed them that this would not be done. They then said that I would either provide them with something or they would not approve the loan. I informed them that my wife and I are staying in the hotel together and once I buy the house that the mortgage is for my wife, kids and I will be living in the house. The underwriter wrote an email to XXXX XXXX ( XXXX XXXX read it to me over the phone ) stating that he found the timing or my wife and my reconciliation odd. I informed XXXX XXXX at that time that the timing of my wife and I getting back together is of no concern and not odd due to the fact that my initial letter of intent for the mortgage stating our separation was nearly 6 weeks old and no agreement was requested until a day ago. I have already paid {$500.00} in earnest money, {$350.00} for an inspection and {$500.00} for an appraisal. Now the underwriters are refusing to approve the loan because they are demanding a document that does not exist and is irrelevant. Furthermore, they are stepping outside of their bounds by questioning my intent for purchase now as compared to then. Just to recap since the loan process has begun I was initially separating from my wife, on XX/XX/XXXX16 the house my wife an I shared burned down and was a total loss, we moved together into a hotel where we have been for over a month, and her and I are planning to live together at the home I am attempting to purchase with this mortgage loan. Now the underwriters are refusing to approve the loan after weeks of waiting and {$1300.00} dollars of my money spent based upon my marital status. It should be noted that XX/XX/XXXX16 was supposed to be the original closing date and that the appraisal was late to push it back but the underwriters asked for nothing of the sort until the original day of closing. 

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Debt collection

I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the bureau requesting validation of debt for charge off account for XXXX on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done three times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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: Mortgage

Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On  XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX XXXX XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ). XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : PROCOLLECT , INC XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Former : XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, Experian and XXXX are engaging in racketeering activities by way of conspiring with XXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.
Product: Credit card or prepaid card

In trying to settle my credit card debit with this company they make it purposefully difficult and did not offer fair settlements
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXXXXXX  Subject : Urgent Resolution Needed : Addressing FCRA Violations in Credit Report Dear Transunion I am writing with utmost urgency to address substantial discrepancies discovered in my credit report that directly conflict with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that my credit profile contains multiple errors, signaling a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, with a strong emphasis on transparent information sharing with consumers. 

Instances of FCRA violations observed include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, a direct result of errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately. 

3. I was never late on this account. XXXX already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and Transunion remove late payments on this account I anticipate prompt action to rectify these violations within the mandated timeframe by the FCRA. Failure to comply will, unfortunately, leave me no recourse but to pursue legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the creditor Nissan regarding the inaccurate and inconsistent reporting of an account on my credit reports. Despite multiple attempts to rectify these errors with both the credit bureaus and Nissan, the issues persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and inconsistencies that remain unresolved. The account in question is outlined below : XXXX and XXXX report conflicting information for the same account : - XXXX indicates the payment status as 30 days past due, while XXXX states Paid account/was delinquent 60 days past due date. 
- Discrepancies exist within the 2-year payment history, with numerous months showing unreported data. 
- XXXX reports the date closed as XX/XX/2022, but XXXX does not provide a date of closure. 
- XXXX indicates the terms of the installment account as 39 months, while XXXX does not provide any information in this field. 
- There is a discrepancy in the reported high balance : XXXX lists it as {$26000.00}, whereas XXXX reports it as XXXX. 

For your reference, I have enclosed a copy of how the account currently appears on my credit reports as supporting evidence.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 # XXXX - Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XX/XX/XXXX# XXXX - Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XXXX # XXXX Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XXXX # XXXX - Balance {$XX/XX/XXXX} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am writing to address a concerning situation regarding my Capital One credit card account ending in XXXX. I would like to bring to your attention the circumstances surrounding a chargeback that occurred, resulting in the subsequent restriction of my account. I kindly request your assistance in resolving this matter. 
First and foremost, I would like to emphasize that I have been a loyal and responsible Capital One customer since XX/XX/XXXX. I have consistently made timely payments and maintained a good credit standing. Unfortunately, an incident involving my XXXX, who suffers from XXXX XXXX and XXXX, has led to the chargeback and subsequent account restriction. 
On XX/XX/XXXX, my XXXX graciously offered to help pay down a portion of my credit card balance as a gesture of goodwill. However, due to the unpredictable nature of his mental health conditions, he later initiated a chargeback on the payment he made. This action was a result of his psychiatric symptoms and was not a reflection of my intention or involvement. 
I understand that Capital One must take appropriate measures to protect the interests of its customers and prevent potential fraud or misuse. However, I kindly request that you consider the extenuating circumstances surrounding this particular chargeback and its impact on my account. Also I XXXX XXXX was the original XXXX on his account for his XXXX XXXX  payments. 
To support my request, I have enclosed the following documents for your review : 1. Medical Documentation : Attached, please find relevant medical records and documentation confirming my XXXX XXXX diagnoses of XXXX XXXX and XXXX. These documents, provided by his healthcare professionals, demonstrate the influence of his XXXX XXXX  conditions on his actions. 
2. Payment Records : Enclosed, you will find bank statements and transaction records illustrating the initial payment made by my brother, as well as the subsequent chargeback. These records serve to provide a clear timeline of events and validate my account of the situation. 
3. Identity Theft Report Filed : with the Federal Trade Commission. 
4. Police Report : Signed by XXXX XXXX XXXX XXXX Deputy 5. Proof Of Identification : Driver License 6. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Product: Mortgage

I received a cancel notice for my homeowners from my insurance company. In my mortgage account it says my insurance was paid XX/XX/2023 for {$1100.00}. I have tried numerous times to get them on the phone and by email. I had to pay the first months premium with my credit card to avoid cancellation. I already pay it through my mortgage payment. My insurance company wants a copy of the check. I can not get anyone on the phone. They called me last night. When I started talking about the issues they hung up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.
Product: Debt collection

I closed my XXXX XXXXXXXX account in XX/XX/XXXX, I was paid up till shut off on XX/XX/XXXX. I received boxes from XXXX XXXX in mail on XX/XX/XXXX and sent all equipment back to them in pre labeled boxes on XX/XX/XXXX at XXXX. Tracking number XXXX and XXXX. I have called and sent copies of original receipt to them and they still messed with my credit score. Then I got another bill for the month of XXXX for t.v. and internet because they said I never turned in boxes. Plus late fees. Over 200 bucks for bill and XXXX bucks for equipment. Then debt collection practices of hitting credit score, credit control corporation hit score on XX/XX/XXXX, but sent letter on XX/XX/XXXX to me, informing me of debts. I sent proof, but credit score impact hurts.
Product: Credit card or prepaid card

Company XXXX XXXX XXXX XXXX XXXX via Synchrony Bank lowered my limit on XXXX from {$2500.00} around XX/XX/XXXX without notifying me of the change. The only way I knew what happened was getting a notification from a 3rd party about my credit limit changing. Nothing was wrong with my account at this time. Payment history was perfect, I was not even close to the balance limit of {$2500.00}. I have statements from XX/XX/XXXX for the balance showing {$970.00} and XX/XX/XXXX for {$960.00}. 

Why did you lower my limit without informing me? 

My account was further closed without informing me, despite not missing a payment. 

I have as of XX/XX/XXXX paid off the remaining balance in full as I was receiving 3+ phone calls minimum per day from Synchrony at all hours.
Product: Checking or savings account

I went to the liquidator I bought the equipment last XX/XX/XXXX after an emergency I changed my mind because my wife gave birth and I didn't want the items anymore I call the store and my bank to cancel this transaction after that my bank gave back the money in my account {$980.00} XXXX months later my bank sent me a letter stating that there were no error found in this transaction they will deduct this amount and sent me to the liquidator whom asked me to come to purchase any item for this amount {$980.00}. 
I didn't understand how well Fargo managed this claim like that. I never picked up the equipment and today the liquidator hasn't this equipment on the bill anymore and force me to purchase when I already moved to another state... the equipment were ( XXXX chairs with a table in glass and a speaker ) they don't have it anymore why well Fargo sent they my money?
Product: Debt collection

COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.
Product: Payday loan, title loan, or personal loan

I called company about paying off refrigerator in XX/XX/2019. Was not made aware that I have overpaid on this lease. My payments total XXXX, but my lease is for a little over XXXX. I went to the XXXX  outlet store in XXXX XXXX, pa which is now closed down
Product: Credit reporting or other personal consumer reports

These accounts are unauthorized, and they are not related to any transactions by me : 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  ) These accounts are unauthorized, and related to identity theft ; and I request that they are deleted within 4 days.
Product: Mortgage

We requested a payoff statement from Selene Finance on XX/XX/year> via email to XXXX. Two days later we received an email back stating they could not find a valid account number with the property address given ( which was correct ). I replied to customer service on XX/XX/XXXX with a valid loan number for this property, still haven't received a payoff. Then, on XX/XX/XXXX, the escrow officer handling the sale of this property asked for the payoff again, so we called their customer service at XXXX PST by phone at XXXX and could not reach anyone due to " high call volume '' and no way of leaving a message. In doing so, the answering system gives a different email address for payoff requests so we emailed them at XXXXXXXX XXXX another request ( payoffloanadvisorgroup.com ). They emailed me back at XXXX PST saying they would forward the request to customer service! Around and around in circles we go!!!! I called in again this morning around XXXX PST, spoke to an agent who assured me they would send a payoff within 1 hour. Now almost 4 hours later, nothing has been received. We are scheduled to close escrow in five ( 5 ) days and can not seem to get any resolution to this matter.
Product: Money transfer, virtual currency, or money service

So on XX/XX/2018 I made a transaction over PayPal with XXXX XXXX for XXXX or {$120.00}. I have my transaction ID for it in hand. 

It was for a digital service however a few weeks past after that and I have heard nothing from him. I have repeatedly tried to get my money back but with no successful attempts. If I could get help in this matter I would appreciate it.