23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a notice of default and a letter to apply for a modification or assistance to help avoid foreclosure, and to avoid losing our home, from SLS, our servicer. We contacted the servicer and were told that they will email us a hardship application and to send it in immediately. We were told that once they received the documents the sale date would be postponed while the application was under review. 
We submitted the documents via email directly to SLS. The following day we contacted SLS to confirm that the application was complete. 
Our point of contact, XXXX, advised us that we did not need to send in any application or documents. Initially he said it was too late, we explained that the sale date is XXXX days away. He said he did not know anything about that. He then explained that no financials were needed. We asked about the review and what we were told, he said the other representative was wrong. We asked what is needed for a review to take place and he said nothing it will be reviewed. He provided no detail, no explanation, no process nothing. We asked why we were told we were not being reviewed for any assistance until the application was submitted, and why in the beginning of the call we were not being reviewed. We were given no explanation as to what was happening with the review or loan. We were told to contact an attorney. We asked for any details on the review, what documents are being reviewed if they do not want any information from us, including financials. We asked for any information regarding the steps or options. How do we know if it was really reviewed or if the review was correct or if there were any errors? 
Our home is days from a sale date, we are given no clear answers, misleading information and inconsistent information from different representatives, and in the mail from SLS. 
We have no idea what our options are, the representative suggested we wait until the day before the sale to see what happens, but that will leave us with no options.
Product: Vehicle loan or lease

My husband and I both received a Statement of Credit Denial from TD Auto Finance in the mail today, XX/XX/year>, concerning an application for sales financing of a new motor vehicle by XXXX on XX/XX/year>. We did order a XXXX XXXX XXXX on this date with financing arranged by XXXX. We took delivery of the vehicle on XX/XX/year> and were not notified by XXXX that we had initially been denied financing by TD Auto Finance. The vehicle was ultimately financed with XXXX. We first received notice of this credit denial in the mail today on XX/XX/year>. Because both my husband and I have near-perfect credit and fully own 2 homes and another vehicle and have sufficient assets in the bank to fully cover the cost of the vehicle we were purchasing, we were both surprised by this credit denial. We can not find a reason that we would be denied credit and have never been denied credit before. We were later approved by financing by XXXX as I mentioned above. The statement of credit denial gave the specific reason for denial as " OTHER APPLICANT : UNABLE TO VERIFY APPLICANT INFORMATION OR IDENTITY '' It said that information from our XXXX credit report was used in the decision so both my husband and I checked our individual XXXX credit reports and could find no inaccurate information in it, other then we have recently purchased a new home ( not financed ) and moved and so we have a new address that is not yet showing in our credit reports, however, we still own the home that is shown as the current address in our credit reports. I called TD Auto Finance on XX/XX/year> to ask for additional information about why we were denied credit and they responded that because they are not an individual lender, they could not provide any additional information and that we would have to reach out to the dealership ( XXXX ) to get this information and that they would have the information. Because TD Auto Finance was the party that denied the credit, I did not believe this answer and I am still seeking additional details as to why we were denied credit for the purchase of a XXXX vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX  for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX  report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.
Product: Prepaid card

On XX/XX/XXXX and XXXX I purchased {$8000.00} in Best Buy gift cards. After they were attempted to be used on an online order, Best Buy froze the cards and drained the funds. I've opened several tickets with Best Buy 's customer service. Each time, the back office closes the ticket without reaching out to me. The card numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off
Product: Debt collection

XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.
Product: Prepaid card

On XX/XX/2023 I purchased a Vanilla Gift Card from XXXX and loaded it with {$500.00}. When I got home, I opened the gift card packaging to discover that the card was some sort of scam. A photocopy of a barcode was placed in the packaging and resealed in such a way that it was not obvious it was tampered with. 

On XX/XX/2023 I called InComm to inform them of the issue and start a case. The case number was XXXX. I submitted to them all the requested documentation by email to XXXX. This included the original receipt, the front and back of the card and my driver 's license. 

About 30 days later I received a replacement card in the mail. The replacement card had a value of {$0.00} instead of the {$500.00} that was loaded to the card. 

I contacted InComm to tell them of the {$0.00} replacement card. They stated that they would send me another replacement card. 

About 1 week later I received the second replacement card and this one also had a {$0.00} value. On XX/XX/2023 I again called InComm to tell them of the issue with the second replacement card. They said that they would check into it but I have heard nothing further from them. 

It has now been 2 months since my original purchase and starting the case with InComm, and there has been no resolution.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax IncXXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, Equifax, and XXXX credit file of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Tried to re-connect my PNC bank account to XXXXXXXX XXXX  XXXX, so that I could pay some bills that were due the very next day. I signed into my bank account with my username and password, then I had to enter in the security code provided by PNC through text ... ..but it still wouldn't re-connect. So now I'm facing disconnection for 2 important bills because I can't use XXXX XXXX XXXX to get a temporary loan. I signed into my PNC account to send a message and almost 22 hours later, I haven't had a reply back.
Product: Debt collection

This complaint is pretty much the same from my last one. 
This new company is trying to collect the same debt that I already squared away with the original creditor. Fraudulently applied for credit card in my name, from Navy Federal Credit Union. The original card was opened in XX/XX/year>. I at the time had not opened a credit card in my name. I know for a fact that I NEVER opened this account. The old company obviously just transferred the supposed debt, to a new companyXXXX XXXX I don't remember the last company, however I have gotten several calls from this new company. 
Please advise. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accurate sees in my credit report. Despite my submissions, XXXX consistently responded within XXXX hours stating the account is accurate without providing any evidence of those investigations. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act consumer financial ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX add highlighted in the CFPs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts below are the accounts that are inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX
Product: Bank account or service

The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. 
However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Product: Payday loan, title loan, or personal loan

made a complaint on XX/XX/XXXX was called by a rep on the XXXX who said i had to pay them XXXXXXXX XXXX for a pay of, i told them I did not have that and he said I had till the XXXXXXXX XXXX XXXXXXXX to get it. I have already paid these people over XXXX XXXX  for a loan less than 2000 .
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. & 1681i, which mandates reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated with my lender and discussed about how i can make my payments without getting higher interest rates. Please verify and delete this student loan.. ITs a misunderstanding, not paid late..Fix it US DEPT OF ED/XXXX XXXXXXXX
Product: Credit card or prepaid card

My CitiBank credit card was fraudulently used for two transactions on XX/XX/2020. One charge was for {$220.00} and the other was {$450.00}. I reported these fraudulent charges to CitiBank in XX/XX/2020. When I spoke with the CitiBank representative they were able to eventually refund the charge of {$220.00} toward my account. However, I was notified, on XX/XX/2020, they would not be refunding or able to reconcile the fraudulent charge in the amount of {$450.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run orchestrated by XXXX XXXX ( the Fraudster ) which involved me making deposits for a total amount of XXXX XXXX from my Wells Fargo account to a fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following personal information - J XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN  ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I dont recall the dates because its been years since Ive had those accounts and those accounts have been are no longer in service or I do not have access to that statement
Product: Mortgage

I had a previous mortgage with Wells Fargo. So naturally when I applied for another mortgage, I went to them first. During the Preapproval process I was told my income had been verified, so I didnt need to send in tax returns. 

Once Id chosen a house and provided the team with the purchase agreement the service went downhill. There was little to no follow up. My processor XXXX  was very bad at communicating. I sent her income forms and she didnt turn them into the underwriting team and when she came back with decisions, I could never get the appropriate information from her. 

I, an XXXX XXXX  XXXX, would call her time after time and she wouldnt answer, but always answered for my XXXX XXXX  realtor. Shed promise to follow up and never did. Id even try emailing her boss XXXX, and she never once followed up. 

I never got a final decision on my loan and after spending {$1000.00} for the appraisal and inspection, I had to go to another bank, who financed me with no problem.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage with Wells Fargo Bank where I have been a customer since 2001. The mortgage was to finance an investment property I was trying to purchase. The loan number is XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX. 

The loan officer collected {$600.00} in advance for a full appraisal. A couple of days later neither the realtors nor I was contacted to schedule the appraisal, but the loan officer advised the appraisal report is completed. That was shocking to me and the realtors as there was no appraiser sent out to inspect the property. I was then advised by my loan officer the appraiser did a desk review rather than a drive by or full appraisal. By reviewing the appraisal, the comparable properties used were solved over 7 months which did not factor in the current real estate market or in-person appraisal. The loan officer said there was nothing he could do to either have the appraisal reviewed or anything else. Needless to say, I had to cancel the purchase contract and withdraw my loan application because of the low value the desk appraiser assigned. 

I believe this is a misleading and deceptive practice because once I should not have been charged for a full appraisal of {$600.00} if there was going to be a desk review done only and charge {$420.00}. Also, I would not have applied with Wells Fargo if I knew they would not do a full appraisal and would not consider the current real estate market. 

Given the deceptive nature of their loan application process, I would like to be refunded all {$610.00} I paid for the appraisal and credit report upfront as they did not disclose any of this information upfront.