23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a mortgage through Quicken Loans in XXXX, MI in XX/XX/XXXX. We are 2 weeks from closing the loan and was told loan was denied XX/XX/XXXX. This would also be fraud because how can it be denied without reason and only 2 weeks from closing? We did submit everything to them, so they can't use that excuse and did have the funds to close. XXXX XXXX did not give reason nor want to deal with it. We also were quoted 2 different closing costs for us to choose from {$2800.00} or {$5600.00} 2 weeks prior. If we chose the {$2800.00} our interest rate would be 3.75 APR. The closing cost were very over priced. We paid their appraiser in the sum of {$500.00} up front and should have been refunded due to the loan not going through. The company pushes loans through without care and will backlash at you if you question their integrity. Also there is a United States Vs Quicken Loans in XXXX for court docs on the XXXX website. These people are very fraudulent and make their money on hidden fees
Product: Credit reporting or other personal consumer reports

I have a XXXX phone with XXXX business account was active and the screen was busted and my account was hacked using my XXXXXXXX XXXX number on number XXXX with my email XXXX. So I decided to look at the hacked data breach with XXXX XXXX XXXX. I used my account to investigate the number was stolen from XXXX XXXX using my XXXX XXXX. account. I went to report the identity theft to Equifax and the account was compromised using my log in. Added on to it and the phone was not reported as a required data breach on my credit report. I sent in a claim and was asked to mail in the rest of the report with my consent to open the account on my report. Because the profile was not attaining records of use by my support by my local account activity. So I addressed the issue with a identity theft merchant account advisor support group. I asked to log in my Equifax dispute with the identity theft crisis on my phone not reporting to my credit bureau. So it took years of investigation to complete the report. By the time I contacted the identity theft prevention team for Equifax the account was hacked so asked to mail in the report. So the dispute claim officer can get a compromised account affidavit for my business account.
Product: Mortgage

How many lies this horrible lying law firm is doing. First they never reply to me and CFPB specifically mention that this lying Law Firm must respond., The specialty of the lying law firm is doing thins behind close door in a top secret action as theory try to defraud my property. Udren Law Offices , P.C . miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. Judgment in the action docketed in the Court of Common Pleas of XXXX XXXX at docket XXXX on XX/XX/XXXX and the property was sold illegal abusive and in a top secret close door action at Sheriff 's sale on XX/XX/XXXX. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XX/XX/XXXX. We will go all the way to the Supreme Court of USA if necessary since this lying law Firm specialty is denigration people. The Appeal is from the Court Order denying ( due to question marks practices ) his petition to set aside the sheriff sale. The firm continues to act as counsel for the lender in the appeal. This is the third CFPB complaint of this consumer. There are no facts to support averpments of fraud. Allegations of vandalism costing {$260000.00} are correct since the law firm had direct interest in doing it in order to defraud the banks and you can see it in many legal cases against this lying law firm.. XXXX did their best to defraud my property without having a deed or any legal [ paper from XXXX until XX/XX/XXXX so they ate lying to you again. as XXXX enter inside my property o XX/XX/XXXX, XXXX and I have picture of it, Moreover, the firm did was present when they change the locks at the property. Allegations of misrepresentation and bribery are simply correct and will be proven inside the Court off law not in criminal behavior of this lying law firm. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that Udren is doing to my property for which I do not have any mortgage and my name is not on any mortgage note in this planet. CFPB must remand that this Law Firm must compensate all victims they defrauded the for so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently signed a lease for renting an apartment on XX/XX/XXXX at The XXXX at XXXX, XXXX, Florida-33177. The leasing office with the help of " XXXX '' - a screening software provider to the rental real estate industry, requested duplicate Hard-inquiries on my credit for the same report. I called the apartment leasing office, XXXX, and Equifax, but none of the three offices acknowledged that they made the mistake. I also requested them to help me to remove one duplicate report from my credit history. 

It mostly the Equifax which is the agency run by some novice people. I spoke to a customer service agent and she kept asking questions one after another ( more 10 questions ) including how much balance available on my different account to just verify my identification. I feel that this just a violation of my personal information and abuse their power. At the end she even could not verify my identity and help me at all, just wasted my time.
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 3 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 : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$490.00}
Product: Checking or savings account

I was vitctim to a robbery of my home. Among other things the theives took paychecks i had deposited and redeposited them. Chase bank then proceeding to lock my account leading to its closure that has kept me from paying bills and rent. Which has led to my eviction.
Product: Mortgage

My Name is XXXX XXXX XXXX, the address I live and have Mortgage is XXXX XXXX XXXX XXXX, XXXX, Kansas XXXX, Phone number XXXX. 

The Company I wish to file a complaint against is : XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, my loan was with XXXX for years and then they sold my loan to XXXX, my Loan number is XXXX. 

I have always paid my payment on time I have 15 day grace on the original agreement, I have been dealing with collection calls and their messed up paper work since XXXX of 2019. When my payment is always on time, every month it is something different they are trying to collect on and they are not even suppose to call me period to collect anything because my Payments are always on time. So I told the supervisor I get one more collection call after our talk in XXXX on this problem I would file a complaint against them. I have proof of every payment I have made and that they are always on time. They continue harassing me I will see about suing them for harassment because I only owe on this loan 2 1/2 more years. 

If you want more detail I have kept every piece of paper those people have sent me, even XXXX   letters that they were selling my loan to XXXX. I am sick of this these people have had me stressed out since XXXX, I am over it and it is beginning to cause me health issues. 

If you want to talk to the Supervisor that is suppose to be personally handling my loan her name is XXXX, her number is XXXX ext XXXX. I told her I get one more collection call from your Company I will turn you in. I am getting a lawyer involved if this situation is not taken care of. If I was late it would be different, but I never have been except one time and XXXX worked with me to get it caught up, and I was only 1 month behind that was over 2 years ago. 

any help I can get would be appreciated because I feel this is wrong and they have no clue what they are doing there. 

Sincere Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inquiries on my consumer report that I did not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I called and was given an extension on my student loans thru fed loan servicing. I was impacted by the hurricane in my area of florida. This hurricane hit us on XX/XX/2019 snd fema declared it a Major Disaster on XX/XX/2019. Florida Hurricane Dorian ( DR-4468-FL ). Here is the official website : https : //www.fema.gov/disaster/4468 I was told by phone and have since contact the company by several more calls and then here again, as well as previously in writing. This same call I was also sent a loan discharge application that i returned and was told I would here back from. I never got the status update on this either. Please advise. I can not get them to correct it thru XXXX XXXX  or agency oversite complaints. I saved the recorded phone call but i dont want to make a court issue out of this if it can be corrected. Farthermore since i have been impacted by XXXX and XXXX since. Yet again i ask that fedloan servicing please retroactivate and correct the previous extension granted on my student loan payments from XX/XX/2019 on all 3 of my credit reports. Please also send me a letter daying that the missed payment on XXXX of XXXX was removed as well. Its been an unreasonable amount of time.
Product: Debt collection

Last month I received a phone call for my husband from XXXX XXXX XXXX saying he owed money and if I did not pay today it would be sent to litigation. The debt was Wachovia/wells Fargo, and account that we have never had. I had my husband call to get more information and they became very nasty with him. I called back asking for documentation on the debt because i did not think it was our debt and they became aggressive. They did email my husband something saying how much he owed, and I called back and asked to be emailed a copy, and the dollar amounts did not match. I called Wells Fargo and went over the above and verified that we have never had an account with them and I sent them the emails the XXXX sent to us and they started a fraud investigation. Yesterday I received another collections letter in the mail from the. Still trying to collect this debt. These people have my husbands full social security number ( we did not give it to them )
Product: Credit reporting or other personal consumer reports

I've had an issue with my identity stolen earlier this year. Luckily I've had my credit frozen for several years and, for credit, all I received was denied credit inquiry mail. Debit cards have been opened, and fraudulently reported, and unemployment insurance attempted to be siphoned also reported as fraud. I've as of today XXXX filed with identityfraud.gov. 

This report shakes my confidence in the only security I have had with the credit reporting agency and the tenuous protection of a credit freeze. The absurdity of identity threat to prevent opening of unauthorized accounts being taken over by upselling of a credit report company debit card. 

XX/XX/XXXX received email profile with notification that my Experian profile had changed. Attempted to login to confirm. Unable to login to Experian site or verify/ change credit freeze. 

XX/XX/XXXX attempted to retrieve username. Looked up from email address to find username was changed. Attempted to reset username/password sending code to appropriate number, no code received. 

Called personal credit line on support site but automated phone tree for account maintenance looped back to support site. Unable to get operator. 

Called business line and asked to be redirected to live agent. 

Informed that I needed assistance with account takeover. Asked to answer multiple choice questions on data on report. Notified Experian smart money, debit card, was opened and required closure before proceeding. 

Transferred to Experian smart money support, they noted fraudulent account to be closed and that it would take 95 days to investigate. Transferred back to automated phone system. Redialed business line to live agent. Went thru multiple choice verification again. 

They reset my username allowing me to change password and login. I can not change email/phone until, Experian smart money 95 day investigation and I've submitted via mail/fax proof of identity.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items there to be inaccurate. Under 15U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable producers to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinfestation under paragraph ( 1 ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance. 

HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.
Product: Student loan

I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter of a n Inquiry remo val letter to Equifax on  XXXX   XXXX ,  2017 .  XXXX   XXXX ,    2017  I received a letter from them basically describing what inquires are. This is the second letter I have sent to Equifax about these inquiries and no real investigation has been done. Less than a week I 'm receiving a letter that does not tell me if my inquires will be removed or not. It seems my letter was opened and closed and that was the end.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX debt account being serviced by XX/XX/XXXX with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts have violated my rights. 

15 U.S.C 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 an account without my written instructions. 

XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX  Date XX/XX/2021
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I moved {$990.00} to my Venmo account in hopes to save money for a trip. later that day I tried to order food for myself on XXXX using my Venmo balance right after my account was frozen I received an email to submit my ID which I did and they unfroze my account the next day my account was frozen again for a technical issue in XXXX automatic process to freeze accounts the money in my Venmo account comes from the XXXX XXXX XXXX because Im 100 % XXXX from the XXXX XXXX I have call everyday since my account has been frozen and I receive no answers they are withholding all of the money I have left for the month for the past few days Ive been unable to get food for myself and my service dogs one of my animals suffered from a disease called XXXX and need medication on her food which Ive been unable to get for her causing her to become ill I have made Venmo aware that this is an emergency and they keep telling me their hands are tied I have to wait for a specialist to unfreeze my account I have reach out in every way possible to make them aware of my situation only to receive no answers what so ever I have a flight on XXXX that will have to be forfeited if I do not gain access to my money my bank is now overdrawn because of the mistake Venmo made this as been a very difficult process and Venmo has no answers this is completely egregious
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has delinquent payments. I called to put my student loan in forbearance and the negative payments were supposed to be changed and not reflect negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Inquiries : XXXX XXXX  Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,
Product: Debt collection

IC Systems added an account to my credit file. They have not provided me with any paperwork. I do not have a contract to do business with IC Systems or XXXX XXXX. IC Systems has yet to validate this debt.