23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello I have already filed one complaint and I am disputing it because everyone I speak to say Ditech is being unreasonable. Their excuse for not reporting my last 6 years of house payments is because I did not " reaffirm '' my house and that is a flat out lie. My attorney who did the Bankruptcy provided me with the documentation that 1. my house was excluded from the Bankruptcy and then he provided me the document that the house was " reaffirmed '' in the Bankruptcy court papers. I was also informed back in 2010 when this took place you were NOT required to reaffirm anything after a Bankruptcy was complete. My attorney has asked me to write a letter to each of the credit reporting entities and make them aware of this as well. My letter is written just not typed up and mailed et. PLEASE SEE ATTACHMENT FOR MORE DESCRIPTION AND BACKUP. Thank you and Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid both XXXX XXXX XXXXXXXX credit card and balances are XXXX. XXXX. 

CREDIT INQUIRY BY XXXX AND TRANS-UNION ARE UNOUTHRIZED AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT
Product: Debt collection

XXXX through XXXX XXXX I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life
Product: Debt collection

I called the # listed by employer for XXXX to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. XXXX has a phone prompt that direct you to a # supposedly to the XXXX XXXX XXXX XXXX. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to XXXX who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019. I had checked my credit report with experian, who monitors my credit. I received an alert telling me my credit score was XXXX which I thought was great. Only problem is they said I had a XXXX with ratio to earnings. I could not get any help for credit consolidation. A week later I checked my credit again and it still showed XXXX credit score but my income ratio went up to XXXX. I did not understand since I have not taken any loans out and was trying to fix my credit. A week later I checked my credit after getting an alert from experian. I then checked and it showed my score went down to XXXX and my ratio to spending was at 100 %. I could not understand this and finally called and asked them why. They said because I closed my XXXX account. I explained to them that I closed the account because I was very dissappointed in their windows and lieing to me when I applied for the loan and service. They never told me taht I would have to pay interest a year later. I was doing rela good in paying every month but after this additional {$2500.00} interset I had enough, and because of XXXX filing bankrupcy I closed my account with XXXX and explained why. Little did I know I was dealing with XXXX bank and explained everything to them including that the men that got me the loan from XXXX did something to get me the credit when I could not in the beginning. My complaint is how can they give me a 100 % spending rating for closing the XXXX account. I think this is so unfair. What can I do about what tehy did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified of a new credit card in my name with XXXX XXXX on XX/XX/year>. I have no knowledge of this account and do not, nor have I ever had an account with them. I filed disputes and the results said they determined the card was indeed mine, which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to XXXX, XXXX and TransUnion to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Product: Credit reporting or other personal consumer reports

MoneyLion used misleading tactics to get me trapped into a loan and then charged it off to my credit reports without warning or understanding. They refused to work with me to resolve anything and they are destroying my credit reports. Moneylion says that I owe XXXX. I never received a loan for that amount. They continue to report late and say that the loan closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank Delaware Juniper Credit card has adversely reported ( 30 days ) late payments for the entire year of XXXX, XXXX partial XXXX and ( XXXX ) month in XXXX. I can provide bank statements refuting any late payments for the entire year for XXXX, XXXX, XXXX and XXXX. The account was in fact set up on automatic draft payments. I paid off the account in earlier part of XXXX. I noticed a 17 point drop in my credit score when no changes, late payments or new accounts opened have been made on my end. Only after requesting my credit report I have identified that Barclay Bank Delaware Juniper credit card had reported receiving late payments of 30 days in the years listed above. I have contacted Barclay after paying and closing the account in full XXXX. I was ensured that everything was paid and properly closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

In XX/XX/2023, Chase decided to end relationship with me with no reason. In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts within XXXX business days, but it already 20 days gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is investigating. I am an international student here, this really give a a big trouble without those amount of money, nearly {$4400.00}. Please return the check as soon as possible!!!
Product: Student loan

XXXX has failed to provide a refund to the treasury department in relations to my borrowers defense application. I submitted a complaint back in XX/XX/XXXX on here in which they stated they were in the process of calculating the refund and will be sending it to treasury. I have spoke to them numerous times over the summer and they continue to tell me that they were calculating the refund and will send it to treasury. I even talked to them last week about this in which they stated the same. Now this week they are saying Im not due a refund because ( 1 ) they have not received anything about refund from borrowers defense and ( 2 ) I received a small refund under XXXX XXXX XXXX XXXX and my loans were forgiven. 

In the first instance, they have received information from Borrowers defense because I called Borrowers defense and they stated they sent information over. That information stated I am part of the full class, which means I am due refund on all payments made on those loans. 

In the second instance, I receive a small refund for the overpayments made on the PSLS and my loans were forgiven. I did not receive a full refund all my payments. 

Mohela supposed to reclassify the loans under borrowers defense which we discussed back in XX/XX/XXXX. Currently in student aid.gov it has been reclassified under borrowers defense. 
It is XXXX responsibility to calculate the refund and issue the information over to treasurer department. Borrow defense does not calculate the refund. They simply sent them the information showing I qualify for borrowed defense full class. 

They have now missed two deadlines to issued information for the refund. XX/XX/XXXX the original XXXX XXXX deadline for full class and now XX/XX/XXXX for complex consolidation loans.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from Experian XXXX and XXXX XXXX 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
Product: Checking or savings account

I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My lease will expire in XXXX and I got a XX/XX/23 letter advising options from which I chose to get lease purchase financing with an application link for XXXX. I applied for a loan ( App # XXXX ) assuming a seamless process since the lease went thru Chase and I had a credit score of XXXX. After a hard credit inquiry, my application was not approved with subsequent written advice with their reason : " Unable to add or remove names of Lessee ( s ). '' I called Chase on XX/XX/23 and told that my wife was not included in the online application. I advised that their simple inquiry to that end could have addressed that issue before a denial as a hard credit inquiry affects my credit score. Chase rep then advised that I would have to re-apply again which would require another hard inquiry and my original application could not be resurrected. I feel this is an unethical as my credit score would again be subject to a hard inquiry lowering my credit score as opposed to just amending my original application. I should only have to apply once. This is a terrible practice that should not be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from XXXX/LOWES on XX/XX/XXXX & XXXX on XX/XX/XXXX that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I do not have any means of applying for any credit cards as I can not afford any more debt. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Checking or savings account

In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I  applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. <P/>The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60  days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. <P/>120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX  balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. <P/>After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.
Product: Mortgage

I started the process of a mortgage refinance with AmeriSave Mortgage on XX/XX/2020. My credit was checked at that time. I have paid for several inspections, as well as the appraisal on my home totaling over {$800.00}. 
Over the next two weeks I provided every document requested of me and the appraisal was completed on XX/XX/2020. 
Since then, there has been no movement on my loan and they are saying they are evaluating assets and my credit even a month later. 
I have tried several times over the past week to contact my loan officer, XXXX XXXX via email and telephone. I have left several voicemails and have not received any response. 
Today I called AmeriSave 's 1-888 number, the first time I was put on hold and the line went dead. The next few times I tried calling the line would go dead after just 2 rings. 
I Attempted to use the online chat feature and chatted with XXXX XXXX over the course of nearly an hour. During that time, he said that my loan number did not exist in the system, then later said that XXXX XXXX would contact me. When she finally did contact me, I was notified that I still do not have a closing date, and my interest rate is still not locked in despite the underwriting being completed. 
Upon further research, I found that AmeriSave has in the past been fined for doing a bait and switch scheme on customers and I am suspecting that this is still the case.
Product: Payday loan, title loan, personal loan, or advance loan

My repayment was taken twice. My back account was charged twice, each time for the full amount for repayment on the same loan. 
I was to be charged {$300.00} on XX/XX/2024 I paid the loan in full in the morning of that day ; however, later in the day the loan company attempted to charge me again for the full amount, they continued to try until their second charge went through. 
The result was I was charged a total of {$600.00} rather than the {$300.00} I owed. 
I called my bank and they refused to do anything until it posted. 
I contacted the loan company and they refuse to take responsibility. They say they have no record of the second transaction..
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.