23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXXstarted refinance process with Freedom Mortgage ( lien holder of current mortgage - est savings XXXXmonth ). Provided paystubs. 
XXXXinformed by lender that app was in underwriting. 
XXXX-received LOE for my previous address and my mother 's home. Provided same day XXXXXXXX-new estimated saving down to $ XXXXmonth. asked for explanation why the drop. 
XXXX-I determined I was being charged double for items already in escrow and being paid by current mortgage. Lender determined it was a " mix up '' and savings would be $ XXXXmonth. Did NOT receive any documents to sign indicating $ XXXXmonth savings only indication was via email. Lender never gave further explanation on how this happened. 
XX/XX/XXXX - cancelled refinance as never received documents to sign showing $ XXXX/month savings. 
XX/XX/XXXX - called and complained as never heard reason for " mix up '' which would have cost me money in long run had refinance completed. was told rates lower, savings now $ XXXXmonth. 
XXXXProvided current paystubs as that was what manager told me was needed to get this back on track. Received notification from manager paystubs received. 
XXXX-received request to esign XXXXesigned docs XXXXreceited LOE for previous address. provided again even though it was provided back on XX/XX/XXXX. 
XXXXreceived and esigned docs XXXXasked manager why i'm being asked for documents multiple times when already provided. Manager said he would handle that. 
XXXX-received phone call request for paystubs - were provided on XX/XX/XXXX and manager confirmed he received them. forwarded email that was provided on XX/XX/XXXX to caller. 
XX/XX/XXXX - request to re-run credit - i declined. lender had all documents needed by XX/XX/XXXX ( XXXX if you count multiple requests and responses for same documents ). 
XX/XX/XXXX received notification that i requested refinance be cancelled - this is absolutely not the case. Lender could not complete refi process even though they had all documents by XX/XX/XXXX ( XXXX see above ). Credit report expired XXXX. 
XXXX asked why loan could not be completed, why I was asked multiple times for documents already provided. Asked for lender to do one of the following 1 ) complete re-finance 2 ) remove credit inquiry 3 ) lender to reimburse me the monthly difference ( {$130.00} ) in current loan and refinance amount as they didn't complete refinance though they had all documents by XX/XX/XXXX ( XXXX if you count duplicate request/responses ) XX/XX/XXXX spoke to another manager who indicated a VP would contact me. 
XXXX - Had not received a response in over two weeks. I noted this refinance should have been completed by XX/XX/XXXX and I have made XXXX and XXXX mortgage payments at higher payment since refinance wasn't completed in time when lender had all documents to do so. Asked when lender will credit my account the missed saving due to them not completing the refinance. 

as of XXXX I have yet to receive any response nor have I received phone call as I was told on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my credit report and noticed Inquiries that I did not authorized. 
XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required XXXXXXXX XXXX for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00}
Product: Credit reporting or other personal consumer reports

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. ) My Full Legal Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX. ) My Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these inaccuracies and update the address with my above mentioned true accurate undeniably valid current correct address. 

My only phone number is ( XXXX ) XXXX - Delete any and all other phone numbers. 

I demand that my social security number and date of birth be removed from being displayed on my credit file for privacy reasons and data breaches. 

Please remove all alleged employers that are listed on my consumer 's credit report.

Pursuant to the FCRA 15 USC 168 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy and FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy.. Not granting me my rights is a direct VIOLATION of 15 USC 1681 and all its subsections.

I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or possibly lead to fraud if it has not already.

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report.

Attached are my latest two driver 's licenses which proves that I have been living at my current address " XXXX XXXX XXXX, XXXX XXXX, LA XXXX '' for over 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus that this account is incorrect. XXXX XXXX XXXX is stating that I have a balance of {$370.00} from Synchrony Bank. I have informed them numerous times that this account was paid in full years ago with Sam 's club   but yet XXXX XXXX continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that XXXX XXXX get an update account information from Sam 's club and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The XXXX XXXX XXXX account # is XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a request for information for an alleged debt Everest Receivable is attempting to collect allegedly owed to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday XXXX watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by Comenity/Ulta XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an Ulta credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by XXXX stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at Ulta online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year> since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history this inaccuracy information falsely manipulates the statute of limitation you failed to investigate this account properly and youre in neglect has violated my rights. I am demanding a deletion of The following account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 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: 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. 

XXXX : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries reflected on my consumer credit report, as detailed below. These entries are the result of a data breach or fraud, including unauthorized inquiries. I demand verifiable proof of these accounts or inquiries, such as documentation bearing my signature or electronic authorization. 

This letter is being sent directly by me, not through a third party, so I ask that you review it thoroughly. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from any reporting party. The accounts and inquiries in question are inaccurate, as I never authorized them. Therefore, they stem from a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I request immediate action to resolve this matter.
Product: Credit reporting or other personal consumer reports

I made a complaint with XXXX, XXXX, and experian on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXXIt has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.
Product: Vehicle loan or lease

I feel like I got scam by the car sales man from XXXX XXXX XXXX  '' that sold us this car. This loan was super high interest. And when I notice that the sales man told me and my husband not to worry, because if you pay your loan for three months straight without missing a payment. The loan company will be able refinance the loan for a lower interest rate. So we followed the sales man instructions. And pay our car note on time for three months. And of the third month I called the loan company and tried to refinance, they told me that our credit is not good enough to refinance a loan at this time. They said tried calling back in about six more  months. So I was super stuck after that, because I couldn't afford to pay this high car note for another 6 months. I had to pay about XXXX a month on this car plus insurance. The car was about XXXX and we was charged about 35 % interest rate. We told the sales man that we could not afford to pay XXXX every month for 30 months, but he reassured us that we will be able to lowest the monthly payments in 3 months.
Product: Checking or savings account

I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.
Product: Checking or savings account

I am filing a complaint regarding a consumer mistreatment from Wells Fargo Bank. It began with me losing at least {$10000.00} USD on XX/XX/2022 due to a couple fraudulent transactions from my Wells Fargo checking account. There were at least XXXX unauthorized transactions that contributed to that amount and I've requested disputes for all three transactions only to receive a letter stating that they've determined those transactions as authorized and simply closed my claim because they did not see any processing errors. My banker advised me to file an online police report regarding the case and I did just that ; only to see that my case remained uninvestigated over a month after filing the case. 
Later on XX/XX/XXXX, there were another XXXX  unauthorized transactions from XXXX which added up to {$370.00} USD that were lost. I visited my banker again during the same week and they assured me that Wells Fargo would refund me for my lost {$10000.00} USD plus the {$370.00} in the next XXXX business days upon that visit. XXXX weeks passed and I never was credited for the lost amount. Considering that I am currently XXXX, this not only caused a huge loss for my finances but also a massive emotional distress that has been occurring since the last few months ; especially due to the fact that it took almost a whole year to earn XXXX XXXXXXXX through hard labor.
Product: Credit card

On XX/XX/year> I requested that my autopay be stopped. This was taken care of by the Comenity Captial Bank XXXX XXXX XXXX Customer Service Department. On XX/XX/year> my autopay was reactivated by Comenity Captial Bank XXXX XXXX XXXX without my authorization and they tried to take money out of my account unsuccessfully at that time. However XX/XX/year> and XX/XX/year> they were successful in taking money out of my account, again without my authorization. This reactivation has caused me significant inconvenience and as a consumer I have a complete distrust for this or any financial institution.
Product: Debt collection

I have submitted a total of 3 letters to both the creditor and the collection agency, disputing the amount attempting to be collected based on amount due after insurance payment, and to date have received no response from either the creditor or collection agency. I submitted a letter to XXXX XXXX XXXX in XX/XX/XXXX, second letter sent XX/XX/XXXX, and a third letter to Credit World Services on XX/XX/XXXX. XXXX XXXX, the total charges were {$1100.00}, and XXXX paid XXXX XXXX XXXX {$840.00}, leaving my balance at {$280.00}. XXXX XXXX XXXX is attempting to collect {$780.00}, and because this is a Kansas government based agency, they are now utilizing the debt offset program to seize my state refund to pay the debt.
Product: Credit reporting or other personal consumer reports

Thank you for your previous response ; however, per consumer.ftc.gov, collections agencies must stop trying to collect debt until written verification of the debt is required. In this case, you have not provided written verification ( itemized statement I requested ) that the debt you're reporting to my credit profile is truly mine. The debt you claim is mine, was advised to be medical debt, and in this case, you have been unable to provide me written verification that the debt is truly mine, as obtaining this information, per my previous request, that was not fulfilled, as the representative stated it would be over the phone, of being given an itemized statement, would be providing you, an unauthorized third party, medical information that is not able to be obtained. So, either HIPAA is violated, or you are unable to verify the debts are mine. 

Again, thank you for your previous response. I look forward to rectifying this issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date XXXX Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

On Saturday XX/XX/XXXX, I contacted Discover Financial Services regarding my outstanding credit card balance. During this conversation, I requested three things : 1. A copy of the cardmember agreement. 
2. A settlement offer for 25 % of the total outstanding balance.

3. Proof of debt beyond just statements, which would include a detailed breakdown of the debt and any related fees.

The supervisor I spoke to rejected my request for a settlement without providing any explanation, simply stating, No. They did, however, agree to send me the cardmember agreement.

When I requested proof of debt, the supervisor argued that the monthly statements constituted sufficient proof of debt and that my payments on the account implied my acceptance of the debt. I explained that I only continued making payments to protect my credit score, not as an acknowledgment of the debts accuracy.

Additionally, I was told that Discover would only consider a settlement if my account were to go 120+ days delinquent or if the account were to be sent to a law office. I find this approach unreasonable as it encourages customers to deliberately default on their debts, which would harm their credit.