23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2017, I filed an application over the phone with Wells Fargo home equity for a HELOC. I applied for a HELOC over the phone with XXXX XXXX. Unfortunately, there were errors in the application that I have now found out about today when speaking with an extremely unprofessional, unhelpful and incompetent loan specialist, XXXX XXXX ( License No.  XXXX ), out of the XXXX XXXX XXXX office. XXXX was not able to answer many of my questions and revealed that very much of the information provided in the application filed by XXXX was incorrect. XXXX made incorrect statements about the HELOC product structure and underwriting guidelines. I have no confidence in the entire application process. After filing on the phone, I should have immediately been provided a copy of the application for formal approval in writing or electronically PRIOR TO submission to underwriting. I believe there have been violations of federal disclosure laws. As it stands, I still have not signed in writing or electronically a formal application to Wells Fargo, yet they have made a hard pull of my credit report from reporting agencies. 

Unfortunately, as noted above, XXXX was not familiar with XXXX XXXX and XXXX XXXX guidelines regarding many of the questions in the application. The Wells Fargo application via phone process is fundamentally flawed. You have people not qualified filling out applications, which are then not forwarded to the applicant for review prior to submission to underwriting, which allows for many potential mistakes and outrageous underwriting errors. Then, you have " loan specialists '' communicate underwriting decisions, but these specialists also are not fully informed and giving out incorrect information. This whole process is a DISASTER! I funded my last mortgage with Wells Fargo, but will NEVER bank with Wells Fargo again. I am closing all my current accounts with the Bank.
Product: Mortgage

I had make my full mortgage payment in of {$1000.00} in two separate transactions of {$670.00} and {$370.00} from two different banking accounts. My mortgage servicing company Amerihome mortgage returned my payment of {$370.00} and said they will not accept a short payment. I made one payment for {$670.00} from one account on XXXX and a payment for {$370.00} from the other account on XXXX to meet my mortgage payment amount of {$1000.00}. Amerihome mortgage returned my payment of {$370.00} on XXXX. I resubmitted my payment for {$370.00} on XXXX and the Amerihome customer service representative. I am XXXX XXXX in the military and was unable to call due to being out of the country until Sunday, XXXX. I have discussed the situation with Amerihome Supervisor and all of my payments have been returned. Amerihome mortgage 's formal or informal policy is that they will not process payments in two separate transactions. I am unaware if I signed an agreement that states that I can not meet my monthly mortgage payment obligation in two separate transactions. I am sure that I am not the only mortgage customer in this situation attempting to meet my payment obligation and my payments being returned by the mortgage servicer because it is inconvenient for their accounting systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Payday loan

Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to XXXX  this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$420.00} - ACCOUNT # XXXX, {$4300.00} - ACCOUNT # XXXX, {$1000.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to obtain my free credit report from TransUnion. Apparently I accidentally signed up for some sort of monitoring service. I notified Transunion of my error on the next business day and they refused to reverse the charge. Why is one of the credit report companies taking financial advantage of errors made by customers who are forced to use the services of these companies?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... 
XXXX : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of Ed/Nelnet XXXX, Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. 

XXXX XXXX SSN # XXXX
Product: Debt collection

they continue to call me at work threating to send me to collections. I have checked my credit report and I do n't see this debt listed.
Product: Credit reporting or other personal consumer reports

This company has violated federal statutes concerning timing of payments. They have reported payments as late concerning this open end credit account in violation of 15 USC 1681 ( 2Xi ), 15 USC 1666b and 12 CFR 1026.13. ( d ) ( 1 ) This creditor has made and has threatened to make adverse reports to other credit reporting agencies about my credit standing. They have also falsely reported that an amount and account is delinquent because I failed to pay the disputed amount or related finance charges.
Product: Debt collection

To CFPB I received a credit alert today that something had been placed on my Equifax report, I have just had a doctors appointment because Equifax continues to disobey Federal Law in that they refuse to verify ANYTHING placed on someone's report. I have been notified by my doctor to stay out of stressful situations because I suffer from XXXX and the XXXX XXXX XXXX of the XXXX is greatly affected by stress, Equifax doesn't seem to care about people 's health no, the only thing they care about is the money they are paid from companies that also are violating the law. EQIFAX HAS BEEN WARNED MANY TIMES TO OBEY THE LAW AND THEY CONTINUE TO NEGLECT THIS WARNING. I have had enough of this willful disobedience on the part to Equifax it's time for jail time for Equifax because once again they have continued to disobey the law and this company who has placed this on the report, XXXX XXXX has also violated the law in that I have received no notice of this bogus debt they claim I owe. The governors across the U.S. have passed laws that prohibit medical debt to be reported for 6 months after the debt. But I don't owe this debt.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/year> to XX/XX/year>. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/year>, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies
Product: Credit reporting or other personal consumer reports

Heres the updated dispute letter addressed to Equifax with todays date : -- - XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : XXXX  : Inquiry Date : XXXX XXXX, XXXX Purpose : Auto Financing Contact : ( XXXX ) XXXX XXXX XXXX  XXXX : Inquiry Date : XXXX XXXX, XXXX Purpose : Auto Financing Contact : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  : Inquiry Date : XXXX XXXX, XXXX Purpose : XXXX XXXX Contact : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX Date : XXXX XXXX, XXXX Purpose : XXXX XXXX Contact : ( XXXX ) XXXX [ XXXX  ] Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses. 

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance. 

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated 30-day period will result in formal complaints and possible litigation. 

This letter serves as notice under California Civil Code 1785.25 ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> was open fraudulently. Needs removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update my credit report and score. All three my scores and my credit reports are supposed to update on the XXXX of every month. This is a paid that I pay for I made numerous attempts to get my updated reports and scores but they refuses to cooperate. They also refuses to release my report and my score to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you
Product: Credit card

Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is reporting in accurate information on my credit report damaging in my character and my credit
Product: Debt collection

This debt is not valid and I DO NOT OWE this debt. We are still customers with XXXX XXXX XXXX XXXX. We moved from one location to another location and kept the service. If we owe this debt, why didn't they just shut our service off which we have had at the new location for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to disputes that were sent under complaints XXXX TransUnion XXXX XXXX  XXXX XXXX  As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation TransUnion and XXXX. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and TransUnion and XXXX  stated on XX/XX/XXXX that they were putting these items under investigation and XXXX  stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that I do not recognize, and I believe it could be due to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. I also need a copy of my CONSUMER FILE, not my consumer report sent to the address listed above immediately. FOI Act 5 U.S. Code 552. Thank you in advance Best, XXXX : XXXX  All Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent TransUnion two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the TransUnion Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( TransUnion ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that TransUnion provide this information or DELETE the inaccurate accounts from my file. TransUnion has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( TransUnion ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, see CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply
Product: Checking or savings account

On XX/XX/2020 I called Synchrony bank to close a HYSA. They lied and told me they closed the account and even sent an email confirming it was closed the following month I received a new bank statement available e-mail. I called immediately questioning why I was receiving this if the account is supposed to be closed. I called them on two separate occasions for a representative to lie to me and say the account was closed. Fast forward to today, same email again Ive been getting them every month. So I took upon myself to try logging in to their online banking and the XXXX  account is still open! I called customer service again today and asked for a supervisor regarding the issue. I was placed on hold for over an hour then they disconnected the call!! Im livid I want the account close. Im a victim of identity theft and the fact that there is an open bank account unknowningly to me all this time is so stressful.