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

*I have a small XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX ) * I  now have a mortgage loan with XXXX XXXX XXXX for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX  XXXX *There were derogatory, false reportings on my credit report, *I then submitted an application to XXXX XXXX XXXX , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''
Product: Mortgage

Dear XXXX -- I have had continuous issues with DHI Mortgage in applying for my new home loan. There has been misclassification of a XXXX gift from my mother that they tried demanding was a " downpayment '' gift more than XXXX weeks before my decision to purchase the home. They tried to force my mother to sign an illegal gift letter and wanted her personal account statements to review although she has no relationship to my home. They have also begun calling employers I have not had any contact with for over 3 years even though they have W2s and tax returns. They have refused to believe I am employed with my current employer and have asked repeatedly for their " employment verification service '' they use. They have an offer letter, W2s, and pay stubs for verification here. They have further harrassed me by continuously spelling my name wrong and asking for bank statements back to 7 months before the expected closing of my home. Lastly, they are adding {$1100.00} in closing fees for unknown reasons and have refused to explain the charges. These type of deceptive and harrassing mortgage practices should not be allowed to continue.
Product: Credit card

It seems that Capital One has found a way to extract exorbitant fees by unilaterally recategorizing a class of transactions as " cash advance '' transactions without notice or informed consent from the consumer. 

I have used my Capital One credit card for an automatic monthly transaction/payment with an online vendor, which I began charging to my credit card in XX/XX/XXXX. Since the inception of this transaction, there were no additional fees aside from the normal credit card interest for all transactions. Then, without notice or my informed consent, in XX/XX/XXXXXXXX  Capital one began charging me a " Cash Advance Fee '' of {$10.00} per transaction plus a separate variable APR which is currently at 30.15 %. Since XXXX, I've been charged a {$10.00} fee plus the 30.15 % APR for a $ 56 monthly transaction. 

When I spoke to a Capital One rep, he explained that there was a " promotional offer '' that I accepted when my account opened that had expired in XX/XX/XXXX. Given that I've had this card since XXXX, it's hard for me to believe that I had opted in to a promotional offer that happened to expire after 18 years. When I spoke to the rep, I expressed my frustration with their practice, but he did not remove the fees. This seems like a sneaky and deceptive method of extracting exorbitant fees from consumers.
Product: Mortgage

For over the past several months, I have been trying to work with my servicer CARDINAL FINANCIAL. I have been trying to get PMI removed from my loan. I am required to have an appraisal done on my property. They have been making errors in how they have been deducting the fee. I have been calling them, and to date, they still have not order the appraisal on my file. Could someone PLEASE order and appraisal to remove the PMI?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT EMPLOYER XXXX XXXX XXXX XXXX XXXX INQUIRES- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Organization : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
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 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

PayPal decided to restrict any access to my account because they were supposedly notified by one of my credit cards that there was unauthorized activity. First of all I didnt use PayPal to make that purchase so I find that odd second of all they wanted a full statement to prove it was me because they couldnt just use the first page? Which is all they got. I find it very weird that they can lock my account bc they claim my card that had not been used for a specific transaction with them and then want my whole credit card statement to prove my identity like its any of their business what I charge on my card? They got the first page. They have no one working when they tell you to contact them I did it said there were no live operators due to covid 19 yet I am on lockdown and I work from home so I dont buy that excuse with a large company handling money. They can close my account and they seemingly dont want to do that either.
Product: Debt collection

Debt was satisfied on XX/XX/XXXX. Ally continues to reach out via calls regarding a debt that's already been satisfied. They've also repossessed a vehicle that was getting paid on, which they've stated they haven't received any payments but I've sent them proof of payments. They're in violation of Title 18 USC 1951
Product: Debt or credit management

The money that was supposed to go to my debit card went to somewhere else and I never received the money into my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX, KY XXXX since XX/XX/1999 until XXXX. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company associated with Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 

These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Product: Payday loan, title loan, personal loan, or advance loan

Repossessed my car without showing me anything in writing from reputable sources
Product: Debt collection

I have made several phone calls regarding this debt from Americollect as they are the debt collection agency that has purchased the original debt from XXXX XXXX XXXX. 
I am a Medicaid patient and it unlawful to collect from a Medicaid patient an entire, partially paid or non paid bill. As a Medicaid patient this is not supposed to be on my credit nor being reported that this is a debt that I owe. My insurance carrier has advised them this is not covered due to being out of network and this was an emergent occasion.
Product: Credit card or prepaid card

I purchased a bed frame with box spring at Ashleys furniture online dint deliver my bed frame on time just delivered defective box springs waited more than a month for bed frame after two days bed frame broke and box spring where defective spoke to Ashley 's furniture they refused to exchange or returning items contact Synchrony Bank to dispute charge and still waiting after almost 4 months
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In recent months, on my credit report, the account LA CURACAO ( XXXX ) has been reported consistently on only one credit bureau ( XXXX ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit card or prepaid card

Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.
Product: Checking or savings account

XX/XX/XXXX Deposited a {$21000.00} check into our small business account. Unfortunately check was made out wrong. Not to the company exact. Bank manager confirms it should not have been run thru, and we agree should have confirmed how check was written. 
Bank manager reassures us this issue can be corrected. blaming the issue on the check writers banking institution. 
Turns out Chase Bank continues to hold onto these funds. Will not release the check until XX/XX/XXXX. Basically Chase has been holding on to our Customers Funds for over a week now.
Product: Vehicle loan or lease

I am being charged over double the price of the vehicle. Credit acceptance got over on me with the amount. The terms on the agreement are not clear and overpriced
Product: Mortgage

I was in a forbearance due to XXXX ( from my job & my dad XXXX with it ). Before the forbearance ended, I was terminated, and my job denied my unemployment. I was finally able to go to a temp company, but I filed XXXX XXXX for my debts. I applied for a modification on my mortgage, but couldnt afford the payments they offered. Plus, they were increasing my interest rate and starting the loan over to a new 30 yr mortgage! I called and asked why was this like a balloon payment or predatory lending because I have been in my home since XXXX. XXXX?? I never got a clear or valid answer. 

I applied for mortgage assistance through Mortgage Assistance of Alabama and they said they could only pay a maximum of {$50000.00}. When we reviewed my papers, Mr Cooper had charged me so many unknown and/or unapproved fees ( which included THEIR attorney fees, and several property inspections, etc. that I did not request or have ANY knowledge of )! How I am responsible for paying my bankruptcy attorney, the bankruptcy trustee, PLUS XXXX XXXX attorney? Especially, when my primary reason for filing bankruptcy was because Mr Cooper forced me to file, due to the bogus modification with a new 30 yr mortgage they tried to offer me??! 

I was terminated again in XXXX. I have applied for unemployment again, but it is still pending. I immediately called Mr Cooper to tell them. They offered NO HELP. I contacted FHA and was emailed several options, and advised to contact my mortgage company again for assistance! XX/XX/XXXX I was contacted to see if my income/situation had changed. I told the lady I keep getting new letters with a new contact person and if call or send an email, the person is no longer employed or in that dept. They said Since I do not have any income, there is nothing they can offer me. The next day they sent my loan to begin the foreclosure proceedings. The amount on their attorney XXXX XXXX XXXX papers state {$220000.00}? My statement shows {$170000.00}? I have contacted Legal Aid for help. I do not have any income & no where for me & my family to go. I do not expect to be in this situation within the next XXXX months, but I need help & time to get my finances together.
Product: Credit reporting

I have fraudulent accounts listed on my credit report that do not belong to me. The following accounts do not belong to me : XXXX BANK XXXX, Account Number : # XXXX Collection XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Of North Dakota, Account Number : # XXXX XXXX Bank XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX Bank, Account Number : # XXXX XXXX : # XXXX XXXX. XXXX : # XXXX
Product: Checking or savings account

I opened a checking account with M & T Bank on XXXX. I then made a series of deposit from that time until XXXX. Since then, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted " some team '' and to wait for somebody to contact me. Nobody from M & T Bank has followed up with me on this case at all. I have since contacted the same branch and spoke with a helpful associate, XXXX XXXX, multiple times. However, she can not get a response at all from whomever needs to review this case. She can not even close the account and give my money back. I need help retrieving my money from this bank please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : 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 XXXX XXXX XXXX XXXX XXXX must be updated to reflect accurate information on my Credit File.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to address the removal of fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining items that require removal. I have been made aware that XXXX is not taking action despite the submission of an FTC fraud report # XXXX. This marks my third complaint as a victim of identity theft, disputing items in my file associated with the crime. The disputed items are unrelated to any authorized transactions for goods, services, or money. Kindly remove the reporting of these items from my credit file. I have included my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XXXX there was a system update, since then our amortization schedule has been completely messed up. It restarted our amortization schedule to the beginning ( essentially restarting the term of our loan and charging us 1000 's of dollars extra in interest and applying less than they should to our principal ). Every month my partner has had to call and have a manager manually override it and every month they tell us it has been fixed for future payments, yet every month he has to spend hours on the phone trying to get ahold of someone who can fix it. So far, my partner has been unable to get this issue fixed for the month of XXXX. Many times their phones are down or we get stuck in an endless phone tree that leads us nowhere. We are on top of our finances, but it scares me because there may be other people out there that this has happened to and they're unaware of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I filled out an online application with Bank of the West, Essex Credit ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted. 

I did not authorize a hard credit inquiry against my credit report. 

The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/2023 with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank. 
Less than a week later, I receive two letters indicating hard credit inquiries from Bank of the West on my credit report. I contacted Bank of the West and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry. 

I believe Bank of the West misrepresented they business as demonstrated my numerous complaints to the XXXX ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent. 

I would like Bank of the West to contact XXXX and have BOTH hard inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX