23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was never verified and is a result of someone using my information. Company refuses to supply me with information to further correct the issue and the account is now reporting negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account # XXXX Has Violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF XXXX XXXX XXXX ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Product: Mortgage

Heloc loan was applied for on XX/XX/2020 with the wells Fargo Home Equity Group.  Loan originator 's name : XXXX XXXX NMLSR ID ; XXXX. I previously had a loan ( mortgage ) with WFC and paid off the house located on XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I told him that I would be purchasing a villa close to my work and closing on XXXX XXXX. They said with my credit, this would not be a problem. The loan was given to loan processor XXXX XXXX NMLSR XXXX. I have no debt, a net worth well over XXXX XXXX with liquid assets of XXXX. Fico score is XXXX. XXXX Military with pension and social security. I continue to work and make around XXXX or better a year with a consistent record. They gave me, in writing, approval ( tentative ). My house was appraised at XXXX and I was requesting a XXXX loan or less. My age, which apparently was the problem, is XXXX. They asked me what I was going to do with my current home and I sent them an email that I would likely sell it, but in my area, it takes long time, maybe 2 years. That objective changed as I stated to them that I would likely keep it to make sure of the villa. They notified me that my loan had been rejected two weeks before I was to close on the property. I just received a notice from them on XXXX XXXX, dated XXXX XXXX, that my loan had been declined due to " We do not offer the type of credit or the terms you requested. '' Nothing else was said WHY. This appears to be nothing but AGE discrimination since there is no other conclusion or reason why they would decline the loan. Of course, this has not only cost me time, but money, since it appears nothing will happen and I am now past the closing date. I have never been declined for a loan, never missed a payment, have a stellar record of paying off both business loans and mortgages ( some 20 ). Again, this appears completely to be AGE discrimination. I have consulted an attorney but will first follow this avenue. Thank You
Product: Checking or savings account

Unauthorized transactions. 
XXXX XXXX my account was hacked and money was taken out. I changed my password for most of my accounts but I've never thought of my XXXX  also being in danger. XX/XX/XXXX i filed a claim on XXXX XXXX XXXXXXXX for XXXX  and XX/XX/XXXX i filed another one on XXXX XXXX XXXX for {$1800.00}. 

On XX/XX/XXXX my XXXX  was already hijacked but i didnt get any fraud notification from XXXX  XXXX XXXX until XX/XX/XXXX when more money was taken out.
Product: Checking or savings account

I called Wells Fargo Bank to report fraud about my account ( there are XXXX unauthorized charges that I did not make with the amount {$15000.00} USD ). They asked me so many questions and they said they cant verify my identification. I have to skip my work and go straight to the branch for XXXX hours .I bring my ID and everything they require. They told me they will call me back and the money will be back in my account from XXXX days. 
Its been a week already but I did receive any money back. 
They did not call me. They did not mail me anything. And they even blocked my online login account. 
Thats all my money to buy my new car but the bank dont want help me. 
I need some help please! I am so stressful. 
My english not too good I have to use google translate to write this for all night long. I hope someone here can help me please!
Product: Credit reporting, credit repair services, or other personal consumer reports

*XX/XX/2019 someone fraudulently tried to open an account with ( XXXX XXXX/ XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open account ( capital one bank USA ) *XX/XX/2019  someone fraudulently tried to open an account ( XXXX XXXX, XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXXr ) XXXXXX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

I'm not related with these loan bosses, nor did I start the examination. Merciful promptly have them eliminated from my credit report.
Product: Credit card or prepaid card

Atm withdrawal of XXXXdollars on XXXX XXXX,2020 .XXXX XXXX california.never replace.XXXX XXXX2020.direct express debit card.master card.stolen my social security money.XXXX  and XXXX  XXXX dollars.from me XXXXchange phone message.can not use pin number.this wrong.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 XXXXXXXX  - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXF - XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXX - XXXX *** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, 1| was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report they were to notify me 5 days prior XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding credit request that I didnt authorize Im very concerned with the handling disputes and fraud using my identity numerous of times.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the removal of some fraudulent entries in my credit file. However, there are still entries remaining that need to be addressed. I am submitting to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : 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 Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Money transfer, virtual currency, or money service

My girlfriend and I are going on a trip to XXXX. I purchased Euro 's through XXXX XXXX for use on the trip since XXXX penalizes US dollars. My girlfriend attempted to transfer her share of the cost of Euro 's to me. XXXX debited her account on the XX/XX/XXXX and has failed to transfer the funds or reimburse her account.
Product: Mortgage

-I refinanced my home in XXXX of 2022 with XXXXXXXX XXXX 
XXXX was subsequently sold to Mr. Cooper in XXXX. 
-Received a notice in late XXXX that my home insurance had not been paid ( escrow ). 
-Called insurer XXXX XXXX XXXX inform them that Mr. Cooper was the new mortgage company in case they didn't have that on file. I assumed everything would be straightened out. 
-Received a notice a couple of months later from Mr. Cooper that because I didn't have home insurance coverage they were assigning me a hazard insurance with a random company for {$1000.00} more than what I had previously paid per year ( and only covering fire damage ). 
-Called Mr. Cooper and they told me they had requested a bill from XXXX XXXX XXXX times to no response. 
-Called XXXX XXXX and they told me my policy of 9 years had been cancelled for non-payment in XXXX. 
-Mr. Cooper advised me to have XXXX XXXXXXXX XXXX a new policy and send it to them by fax so they could pay it and then cancel the new hazard policy they had assigned me against my will. 
-Called XXXX XXXX XXXX explained the situation to XXXX XXXX. and was told I'd receive a call in 2 days. 3 weeks passed without a call. 
-Called XXXX XXXX XX/XX/XXXX and was told they would not underwrite my policy because of " data for my location/neighborhood. '' -Called Mr. Cooper and they got a XXXX XXXX XXXX on the phone in a conference call. XXXX XXXX said they had been sending bills to XXXX XXXX ( prior mortgage company ) and Mr. Cooper said they had requested a bill multiple times through the portal process XXXX XXXX directed them to. 

At the end of the day, my escrow payment was not made in a timely manner, and it cost me my coverage with a company I have been covered with for 9 years, and I was assigned a new home insurance because of that error. That's illegal.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to the consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency innovis has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attention to this matter and expect a timely response and resolution. 

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  * 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.also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Product: Mortgage

I applied for a jumbo mortgage  with Wells Fargo to refinan ce a first mortgage on an apartment located in  XXXX  jointly owned by me and my domestic partner.   After a lengthy and inquisitive proc ess, Wells Fargo app roved the loan and send us a commitment lette r. ( atta ched ) In the meantime, I had filed a refi application with another bank and was approved very quickly, with better terms than the one offered  by Wells. So I told Wells that  we would not close the loan with them, which I had every right to do since I had not signed the commitment letter accepting the loan.     We than both received what I would call a retaliation letter, stating that the bank had rejected our applicatio n ( the ver y same that I had accepted earlier ) and enumerating a lot of vague arguments and phony reason s ( payments incident, bad credit score etc ... ) to justif y the rejection. They knew perfectly well that those were pure fabricated falsehoods, since they had all our financial background in the initial application.     I am very concerned that the disparaging comments about our finances  ( wh ich we can prove are a pure lie and fabrication ) will somehow be leaked to other financial institution or used for scoring purposes. What if I ever apply for another loan that asks whether you have been previously rejected? How am I going to answer that question?      Bottomline is that WELLS FARGO, which has already been haunted by numerous scandals, is simply trying to retaliate by tarnishing with falsehoods my financial reputation Thank you for your help, I hope Wells wo n't be allo wed to continue spreading deliberately false information to retaliate against clients
Product: Mortgage

I took out a HELOC with Huntington National Bank in XX/XX/XXXX. It is an interest only loan. My plan was to pay the payments plus extra to pay-off the principle. 
My first payment was a very reasonable {$220.00} at an interest rate of 3.49 %. 
Since then, the payments have increased nearly every month until my latest payment is a whopping {$1000.00}!!! at an interest rate of 8.74 %. And, once again let me point out that I am not even getting the loan principle paid down! 
When I was speaking to a friend about this crisis, they suggested that certainly I must be approaching a cap on the increases. So I got out my paperwork and discovered that the cap is 18 %!!! My wife and I will have lost our home long before we could ever reach that cap in payments. 
I've talked to my branch lone officer twice. I have retired during the past two years, so I can not qualify for a mortgage to replace this HELOC because my income is now too low. Meanwhile, this HELOC now requires more than half of my income to pay!!! 
They gave me paperwork for getting into a program to only make partial payments- during which time the interest would continue to accumulate. That choice would only balloon the loan to be completely unpayable. Plus the forms state that getting in that program would affect my credit rating. 
I tried to contact someone higher-up in Huntington, so that I could speak to some executive who could perhaps offer some real help. But I could find nothing online for that. 
I phoned into Huntington two times to register complaints about this situation. The first time on XX/XX/XXXX I was told my complaint was expedited and someone would respond by XX/XX/XXXX. No one contacted me, so on XX/XX/XXXX I phoned in again and was told my complaint had not been expedited after all. So the person I talked to opened another complaint.. I was transferred to a Supervisor, who refused to transfer me to anyone higher in the organization and simply pointed out that I had signed the loan papers. 
At that point, I decided to contact the CFPB. 
I feel that I was " rooked '' by Huntington Bank. I never imagined in my wildest nightmares that this loan would skyrocket this way and nothing I was told pointed it out in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nelnet on XX/XX/XXXX to let them know that they are incorrectly reporting my student loans. They have reported them as included in my bankruptcy and they are NOT! I filed XXXX XXXX XXXX LAST YEAR XXXX! My accounts have been CURRENT before the XXXX. As a matter of fact, they are getting ready to be discharged due to me being 100 % pemanently XXXX XXXX XXXX They blamed the credit bureau for the mistake but XXXX is reporting the same info! They refuse to correct the situation and keep blaming the credit reporting agencies! I suffered a XXXX point loss to my XXXX report and a XXXX point drop to my XXXX report. This is unacceptable. My next step is to sue in federal court for the damages this has caused to my report!
Product: Student loan

I have been receiving emails from MOHELA some months stating that it looks like I missed a payment. I have been on the phone with MOHELA customer service at least three times to address this issue. Each time I am told that they can see that my payment is in process and the emails will stop. I expressed my concern to customer service regarding how this may affect my credit if they do not get this corrected. I verify with my bank to make sure my payment has been deducted, even though I have been on auto pay ever since forbearance ended. My payments are deducted every month on the XXXX as was set up initially. Today, XX/XX/year>, I received an email from MOHELA stating my account is delinquent and I missed my XXXX payment. Again, I verified that my payment was made on XX/XX/year>. I was on the phone with MOHELA on XX/XX/year> to complain about receiving past payment emails for XXXX! No one mentioned that on their end, the XXXX payment didnt process. I am now concerned about MOHELAs incompetence affecting my credit score. My payments are autopay out of my bank account. How does this keep happening?! Come on MOHELA, get it together.