23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX my husband and I met with a MLO to discuss loan options and be pre-approved. We were given the option of a destination home mortgage, but at that time not given the exact requirements of maximum gross income to qualify. On XX/XX/XXXX, two days before closing on the home, we were told the loan was denied because of exceeding max income ( we had actually been denied on XX/XX/XXXX but not told ). If the information had been given to us we would have recognized we do not qualify. From this point we were given false information on our loan options moving forward including the amount we would pay out of our pocket at closing. The MLO dragged out from the begging of the process and yet again after denial, giving us information about a FHA loan. We were not told of a deadline to submit for another loan before the application became inactive and the process would start over again. Because of this deadline on XX/XX/XXXX the MLO submitted for a loan ( conventional LPMI loan ) which I had not consented for, when that morning I had in fact said we wanted the FHA loan. If the loan he submitted us for had been approved then we would be unable to pay out the loan. We then worked with the MLO 's manager since the MLO refused to " deal with us ''. The manager told us we are not the first people he has given false information to and that he submitted information on our loan incorrectly, the MLO " did n't do his job ''. In addition, we originally had difficulty signing the disclosures due to the MLO being unfamiliar with the online program yet the process proceeded. Also, poor communication skills of the MLO including incorrect grammar, spelling and incomplete sentences made it extremely difficult to have questions answered and understand the answers given. Once we worked with the manager, we resubmitted as a FHA 4.375 % interest with loaner credits due to the amount we need to bring to closing being much more than originally promised by the MLO, with the closing date of XX/XX/XXXX versus XX/XX/XXXX. In order to have the extension on the contract, our seller 's had to compensate their seller 's for their new house. Now we also have to hire mover 's instead of doing the job ourselves since we now need to move on weekdays we already are scheduled to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX, AS WELL AS EXPERIAN CONSUMER CREDIT REPORTING BUREAU, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse remove old addresses on my credit report even when I provided my information through mail, It has cause issues with my personal information.
Product: Student loan

Ed financial is my current federal student loan servicer and I am attempting to refinance with XXXX XXXX  for which I need a statement of payoff verification. Ed financial is refusing to provide this statement. I have made multiple calls and requested to speak to a supervisor, but have not received a call back. I am unable to obtain the information needed to transfer my loan out of Ed financial and this issue causing delay for refinancing and coating me time and money.
Product: Checking or savings account

XX/XX/2023 there were multiple bank reserve charges on our account. We called the bank because our balance went from around {$380.00} to negative - {$150.00} something and were told to let it cycle out and it would be fixed. The following day our account was even worse in the negative at around - {$550.00}. We noticed multiple fraudulent charges on the account. This included an atm withdrawal of {$500.00}, another XXXX atm withdrawals of respectively {$22.00} dollars and {$42.00} dollars. There was also a check that was cashed. A check that shouldve been flagged because of how it looked like multiple pieces of information posted together on a piece of paper. The check was made out to cash express, where we immediately went to the local store to verify it and was told XXXX. That doesnt even look like a check XXXX. Everything the company does is electronic, no paper checks are printed. Immediately I knew our account had been compromised and my husbands information was being used to make fraudulent charges. We called the bank again because still by this time we had received no communication of any sort of a data breach or anything about this supposed bank reserve glitch. When speaking to the bank they denied that was an issue and began reading from her script about how there was a glitch and to let everything play out and it would be fixed. I had to yell at her to tell her theyre allowing fraudulent charges on our account, where she transferred us to that department. The fraud department then tells us there isnt anything they can do until all charges go through. I demand they shut off the atm cards because apparently that never occurred to them. He then tries to sell us the option of having pictures on our new atm cards that theyll be sending out. The bank has yet to hold up their end of the contract we sign when we open an account. Not only did they steal my {$300.00} balance, theyre charging me over draft fees related to their glitch and data breach as well as comprising our personal and financial information. XX/XX/2023 they have yet to resolve anything and are still charges overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
Product: Debt collection

The company is using aggressive tactics to intimidate me under pressure to collect the debt. They contacted my job, bank and constant letters coming into my home. They even went into my bank account that I share with someone else and froze money that do not belong to me. I tried calling them and left numerous voice mails but they will not respond and continue to try all avenues to stress me and make life harder. I do not have the money to pay right now but trying to figure a plan to pay but daily I get letters and different way of them attacking. This is giving me so much XXXX and make me feel as they have all the power and Im a punching bag.
Product: Credit card or prepaid card

An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX  account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX and my ex spouse used all my personal information to open a credit card through Wells Fargo for {$12000.00} until XX/XX/XXXX. 
I have been asking for copies of the all the transactions since XX/XX/XXXX. I finally received a copy of the application and it clearly showed it was not my signature, I was supposed to receive all transactions by XX/XX/XXXX. Instead, I received a letter stating that we would not comply and their decision remains the same. 
Both XXXX and XXXX sided with mw months ago and removed it. 
I am under high alert for aggravated theft and fraud and much more. 

XXXX XXXX. 
Executive Case Specialist refuses to send it to me for review. This makes no sense as I am trying to get my identity back and all the money stolen from Wells Fargo. 

Her number is XXXX ext XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Ssn last 4 : XXXX XX/XX/XXXX This CFPB 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 a personal credit card account opened at XXXXXXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX, collection account at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX 

I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX verify the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immense breach of highly sensitive data for a large portion of people in America including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It way too many inquiries to count. I have not applied in a long time.
Product: Debt collection

I do not owe this debt and it looks like it was generated XX/XX/year> and was never on XXXX.
Product: Credit card or prepaid card

There is something deeply nefarious happening with this company. On XX/XX/XXXX I tried to log into the app to check my account. I wasnt able to so I contacted their customer service who sent me an email with the steps to log in and reactivate my account. I dont understand why it was deactivated to begin with. It didnt work. I then called, spoke to customer service, same thing. I called back, they had a supervisor contact me with steps to log on - still nothing. Then they tell me they need a a photo of a government issued ID - a passport or drivers license to verify my ID. This was bizarre because NO credit provider requests such a thing. This company has my bank information and is billing automatic charges on my account - yet Im not able to access anything. I have called, I have emailed, I keep getting the same email with directions that dont work. Ive been getting the run around since XX/XX/29. I have a huge paper trail of everything. I want this resolved ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the account was paid off and closed with Capital One. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with XXXX, XXXX, and XXXX. The pay off amount was paid in the amount XXXX on XX/XX/year>.
Product: Mortgage

I am XXXX XXXX XXXX writing this complaint. I am a resident of XXXX, CA and have my residence at XXXX XXXX, XXXX, CA XXXX. I had purchased this property from a company called XXXX XXXX XXXX in XXXX. This company got closed and was shut down due to Bankrutpcy. Later, various banks such as XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and The XXXX started sending me letters on the property claiming Illegal and Fraudulent Ownership on my home in XXXX, CA. In the year XXXX, my then attorney, sent legal notices to these various banks and also filed complaint with The California XXXX Department XXXX XXXX XXXX and The XXXX Office XXXX Controller of Currencies and filed serious complaints against these banks. Recently, on or about XXXX XXXX, XXXX, The XXXX Mortgage XXXX and XXXX XXXX XXXX illegally and fraudulently claimed ownership on my home and they allegedly sold my property through illegal auction sale and sent some people of their own in my home criminally trespassing my home, and taking unlawfull possession of my home, all my personal belongings and other property. I never had any Truth in Lending Agreement signed between myself, or my exwife XXXX XXXX and between any of these banks, and/or specifically with The XXXX Mortgage XXXX and XXXX XXXX XXXX. I believe that The XXXX Mortgage XXXX and XXXX XXXX XXXX is barred by the State and Federal Statutes to enter into another TILA with me and/or with my ex wife, XXXX XXXX. The XXXX Mortgage XXXX and XXXX XXXX XXXX were previously on Notice throuth The California XXXX Department XXXX XXXX XXXX and the XXXX Office of Controller XXXX Currencies on this matter. The XXXX Mortgage XXXX and XXXX XXXX XXXX have unlawfully entered into my home, occupied it unlawfully as Constructive Trust and as Adverse Possession without the Color of Title and without the Color of Law and Authority. Criminal charges must be filed against the officials of the XXXX Mortgage XXXX and XXXX XXXX XXXX immediately. I am gravely hurt and I need justice. This complaint is an Administrative Lawsuit against The XXXX Mortgage XXXX and XXXX XXXX XXXX. I seek the assistance of the XXXX Consumer Finanical Protection Bureau in this matter at the earliest. Respectfully Submitted, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S. 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: Student loan

Navient Solutions. 

Pending lawsuit for illegal practices in claiming a debt is owed in which they can not provide legal proof. 

Requested documentation supporting the amounts owed and was not provided within the timeframe given via mail correspondences. Received one letter with nothing requested or satisfactory as required by law. 

Navient continued to harass the person via email while the account was being disputed and credit reporting despite requesting validation and harming the persons credit during a formal investigation requests into the validity of the debt and amounts owed. 

FTC, FDCPA, FCRA violations.
Product: Credit card or prepaid card

In XXXX of XXXX, I was the victim of financial fraud facilitated primarily through my Apple card linked to my XXXX. Someone gained access to my card and rung up $ XXXX in charges. 

Upon reporting fraud to apple, they locked down my XXXX account, which blocked me from accessing the Apple card, as the only way to see the card balance or make payments is through the apple wallet app, associated with the XXXX account. 

I reported this fraud to Goldman Sachs, who services the account for Apple, and they were able to reverse the charges. Goldman Sachs then advised me in a call a few days later ( on a recorded line ) that the account balance was {$0.00} and the account was closed and there was nothing more I needed to do. My credit report was updated in XXXX to reflect this and the account is still showing as closed. 

Now however, Goldman Sachs reporting a balance to the credit report and is continuing to charge interest on it, in contrast to what they already advised me and what they previously reported to the credit agencies. 

I am now left in a situation where Goldman is trying to collect on a balance they previously told me was gone, charging me interest on that balance, and not providing normal avenues for payment. Goldman Sachs has been unwilling to provide me an account number, or any information on how I can access the account, and has left me with no way of resolving the issue. 

As of now, in the month of XXXX, they have reported an increase to the balance of the account that is supposed to be closed and it is now negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account ( 2017 ) from previous marriage that was opened by exwife. Account was closed and charged off by creditor, XXXX XXXX. It was removes from my report for approx 6 months and has now resurfaced on my XXXX XXXX repport showing a nea balance of {$14000.00} under Spring Oaks Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax since XX/XX/2018 trying to get them to correct my address, fix the error with XXXX and XXXX and XXXX. I am trying to purchase a house and Equifax 's mortgage division will not release my credit report due to the issues with XXXX and XXXX and XXXX, due to the conflict in addresses. I have faxed a letter to them with my new drivers license, passport card, and a bill showing my new address, asking them to update their files including my credit report, XXXX and XXXX and XXXX account. I was told they never received the fax, yet the transmission report I have states they did indeed receive it. I have also mailed the same information to them, and as of XX/XX/2018, the information has not been updated nor corrected. I spoke with another agent on the XXXX and he told me all the errors are due to the address not being updated. I have now missed out on purchasing three different homes due to not being able to have my Equifax credit report pulled. I have documented the calls and letters sent to Equifax without success.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX - Loan Servicer Bridgecrest. My car insurance became unaffordable and I allowed it to lapse. After being pulled over for no car insurance on XX/XX/XXXX, my car was impounded. Reinstating my car insurance was unaffordable at that time and it took THREE MONTHS to get my car back. I allowed a voluntary repossession so that the impound lot ( XXXX XXXX XXXX ) wouldn't sell my car at auction ... But when Bridgecrest received my car, they almost immediately prepared it for auction. I was able to get the car back to the sum of {$2500.00} paid directly to Bridgecrest ; {$150.00} in XXXX fees to pick up the car, plus associated fees - tickets, fines, etc. 
Reinstating my loan raised my car note from {$190.00} bi-weekly to $ XXXX  monthly. I had no other options. Also, I can no longer pay for free - there's a {$4.00} fee on top of this new payment amount. 
Recently, my payment was late. It was due on the XX/XX/XXXX and I got paid on the XX/XX/XXXX. I reached out online twice and spoke to no one. I was unable to pay online by XX/XX/XXXX. Less than 7 business days and ONE payment late, my car was repossessed. Now, they will not give me the car  unless I pay {$1700.00}! I can't afford that! My car will again be taken to auction. 
Please help me get my car back. I've invested so much time, energy and money. They've been bullying me from the beginning, convincing me to do the voluntary repossession and setting it up for auction very quickly afterwards. Twice. 
There must be a way to get my car back - again ; it is ONE payment that was less than 7 business days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Dear Experian Dispute Department, I am writing to formally dispute the inaccurate late payment information appearing on my credit report. The reported late payments for the accounts listed below are incorrect, and I request an immediate reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts and Late Payments : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Disputed Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Disputed Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX Account XXXX : XXXX Disputed Late Payment ( s ) : JXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX The Consumer Financial Protection Bureau ( CFPB ) complaint against Experian highlights systemic failures in the dispute process, including improper reinvestigation procedures, failure to forward all relevant information to furnishers, and unclear reinvestigation results. Given these concerns, I request that my dispute is handled properly and in full compliance with federal law.

I request that you : 1. Conduct a reasonable reinvestigation of my dispute.

2. Provide a detailed response clarifying the results of your reinvestigation.

3. Remove the inaccurate late payments from my credit report.

4. Send me an updated copy of my credit report reflecting these corrections.

Please address this matter within the 30-day timeframe required by the FCRA. Failure to do so may result in further action, including escalation to the CFPB and other regulatory authorities.

I appreciate your prompt attention to this dispute and look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I closed my account with comenity bank but they keep harassing me and calling me at least 5-10 times a day.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$1000.00} XXXX XXXX XXXX {$32000.00} HERTG ACCPT {$0.00}