23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I applied for a conventional mortgage to purchase a  XXXX  home  with Movement Mortgage branch located in Michigan. The loan officer has been great through the whole process, the underwriting staff - Not so much. The underwriter does not follow   XXXX   guidelines or DU findings which my credit meets all FNMA guidelines. They are making up guidelines of their own ( this is n ot underwriter discretion ).     I have a property foreclosure which was included in a bankruptcy in  XXXX ,  discharged   XXXX   XXXX .  XXXX  requires 4 years of which I am alm ost at 6.  I contacted  XXXX  directly as I am also an underwriter and have been for over 20 years. Their underwriter is trying to say since the initial lender did not take the property out of my name that I must be hit again with a tax lien foreclosure. I surrendered the property and included the mortgage,  XXXX  states that is all I could do and that as long as the 4 years have passed for the discharge, I was not responsible.     I have been going back and forth with this company f or 3 weeks now and they even ordered my appraisal and now are taking back the approval due to the tax lien foreclosure, which should not be be an issue and does not even show on my credit as they can  not show it as the lender was responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX Reference # XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XX/XX/2021
Product: Consumer Loan

XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX )
Product: Credit reporting or other personal consumer reports

Wells Fargo is not reporting a closed date on my XXXX and XXXX reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.
Product: Debt collection

There is a collection reporting on my credit file that is untrue, and unknown and I have tried to dispute it with no response. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

| have disputed these fraudulent inquiries multiple times with Equifax and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the XXXX  data breach and may have been compromised as a result.
Product: Credit card

I had a perfect history with Citi Bank for several years. I never missed a payment nor did I ever have a returned payment. The company says they closed my account due to a drop in my credit score. Never did anyone ask why, but I'm curious because my XXXX XXXX, XXXX XXXX XXXX, and various other store cards didn't close my accounts. I understand Citi closed my accounts due to their own terms, but they kept almost {$1900.00} of cash rewards they I fairly earned over the year. 

They canceled my cards because of a credit score drop and stole my legally earned credit rewards. I want my credit card rewards valued at almost {$1900.00}, this is a straight and simple theft.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am a victim of identity theft and am requesting immediate action regarding fraudulent information on my credit report. Enclosed, you will find a copy of my identity theft report from the Federal Trade Commission, my drivers license, and proof of my current address as verification of my identity. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit file. This request is not part of a regular dispute but is supported by documentation of identity theft. 

The following fraudulent accounts must be removed and blocked from my credit file : Bankruptcy XXXX  XXXX : Case Number # XXXX XXXX  : Account Number # XXXX I ask that you take immediate action to block and delete these accounts from my credit report as required under FCRA 605B, and that you notify me of the corrections. Additionally, I request that you send me an updated copy of my credit report once the fraudulent information is removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Credit card

I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you
Product: Checking or savings account

When I opened an account with Fifth Third Bank it was a free account with zero minimum account balance and zero service fees. This was in XXXX. On XX/XX/XXXX Fifth Third Bank, ( XXXX XXXX, Michigan ) charged me an XXXX dollar service fee and reversed it on XX/XX/XXXX. They told me they made a mistake then. On XX/XX/XXXX they again charged me an XXXX dollar service fee but only reversed it for the amount of XXXX dollars and only when I told them they were thieves. They said they changed my account 4 years ago but never told me they were doing so. The branch manager, XXXX, said they have a right to change anything involved with their bank and in a loud toned voice towards me. I have been complaining about their bad banking and currently in the process of changing my direct deposit information so I can leave this bank. I think the public should be aware of how they swindled an elderly adult. If this Financial Institution nickel and dimed everyone like they did me they are making a great profit on a persons hard earned money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2018, {$690.00} disputed inaccurate information to all three credit bureaus asking for original documents. Never sent but updating information as accurate when its false.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank marked me as late in XXXX of 2020 when in reality I wasnt late. 
I made a payment at a local TD Branch, and due to an internal glitch in their system. Although the branch admited that the payment wasnt processed as per branch manager, TD credit card servies is refusing to take responsibility for what occured in the branch, and are continuing to report a 30 day lateness for the month of XXXX. This account wast late, and shouldnt reported as such. Please correct the error.
Product: Debt collection

I received notice that I owe Bonneville Collections XXXXin regards to acct # XXXX I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family. they told I have no rights and they are exempt from these laws.
Product: Checking or savings account

I had XXXX  cash card prepaid that was stolen and money was refund to that card XXXX saying nothing was done i have enail showing it was i been fighting XXXX for 3 month they closed my card the whole account and how am I getting my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.
Product: Mortgage

I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Curo management it should not even be there I do not have no idea about it I want it removed
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX XXXX {$9500.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have reported them to the XXXX XXXX XXXX about XXXX times now. They are several months behind in reporting for my loan. They ONLY report when I file a XXXX  report and the last time they only reported to XXXX credit bureau and were at least XXXX months behind. I need all of my information updated immediately and reported on time monthly to every credit bureau as they are obligated to do. This has gone on for too long and is extremely poor business practices and Im sick of having to report them every month for any movement on my credit report.
Product: Mortgage

My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims.,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for XXXX  days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

Reference ID : XXXX PayPal Merchant ID XXXX