23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Cfpb, contacted those involved, offer was given to us, we accepted, signed docs and later were told before loan servicer merged with other entity we werent qualified, XXXX was requested and proper tier bracket., XXXX XXXXXXXX has been involved since 2018 and felt that I should have legal representation due to the fraud of XXXX XXXX XXXX XXXX said to represent me with securitization audit and quiet title action, her third party letter of authorization was included but when she was contacted, she stated she never had an office in XXXX XXXX  XXXX and never heard of me or XXXX attorney services which was doing the work in XXXXXXXX XXXX XXXX XXXX XXXX, and is showing as an address I have as residence on credit report. Fraud was found by XXXX XXXX and XXXX was credited but effects of Wrong IRS amount XXXX and other put me wrong workout solution now merged with PHH. Conference call today scheduled today after furloughed due to XXXX and returning to work. A balloon payment was added after we were told we canceled the original XXXX offered. We did not cancel it. All is recorded by XXXX a approved HUD counseling agency. Needing to become current with XXXX gross income but IRS debt due from lack of represtation of XXXX not supplying the actual debt. XXXX legal was using XXXX attorney services while taking funds electronically out of by bank account. Other attorney foreclosure rescue scam for XXXX went to jail and left me hanging. XXXX XXXX and XXXX, fraudulent also
Product: Mortgage

I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on?
Product: Credit reporting or other personal consumer reports

After disputing inaccurate information on my credit report that TransUnion was reporting they retaliated against me by fraudulently claiming that my education loan was a new account reported to my credit file. Thus hurting my credit score by XXXX points for the fraudulent credit report that was fabricated by TransUnion. I disputed that they were retaliating against me for disputing information they were reporting inaccurately. They still havent responded to that complaint through the CFPB as of yet, but they took the time to retaliate and damage my credit score by XXXX points by them claiming a student loan thats been on my credit since XXXX just was reported by the loan manager. I am attaching my old credit report from TransUnion to illustrate that these student loans have been on my credit report since XXXX Also an attachment of the changes made by TransUnion saying that these loans were just reported on my report by my loan administrator.
Product: Debt collection

XXXX alleges owns XXXX XXXX XXXX XXXX XXXX NM I want to know how much they bought the property from Bank of America. I bought it for XXXX and it appraised for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, TransUnion, AND XXXXn credit reports, it does not show all of my open credit card accounts. On my XXXX, TransUnion, AND XXXX credit reports, it only it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX my XXXX XXXX XXXX  account when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022, I refinanced my auto loan with Truist Bank, my loan was processed with XXXX XXXX a member of the XXXX XXXX department. The middle of XXXX I contacted XXXX XXXX whom help me with my refinance and he didnt respond so I emailed him and he still didnt respond to my email. I called his office and was told he was on a call and would give me a call back which he did not, about a month went by and I still did not get a call back nor had I received my auto tag. I then called and asked to speak with a XXXX and I no longer wanted to speak with XXXX XXXX and then the same day XXXX gave me a call and said he didnt know what was going on and was unsure of why I hadnt gotten my tag. XXXX stated that it was not his fault nor Truist by this time I had paid XXXX car payments and I had been pulled over by the police department for driving without a tag. I then tried calling the bank XXXX XXXX to see if they could help I spoke with XXXX and she gave me her direct number XXXX and she promised that a manger would give me a call as of XXXX no manger has given me a call nor do I have a tag for my car. I have reached out to Truist corp office several times and I have now paid XXXX car payments and occurred travel expenses because of no tag. I would like to be compensated for the travel fees and XXXX auto payments that i was unable to operate my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and XXXX XXXXXXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I had applied for a personal loan with Lending Club back on XX/XX/XXXX. I received an incorrect notice of adverse action due to not providing the information requested ( copy of XXXX W2 ). At the beginning i would call every day to request status of my application. It took then about 1 week to give me a the initial needs list. All items were provided within 2 weeks from requested. On XX/XX/XXXX I received a call from Lending Club inquirinf about the status of the items which i had explained were provided then the agent stated that they were pending my XXXX tax returns? To what I explained that I did not have them since the year was not over and there was no way I would have taxes for this year yet, i kept calling everyday to inquire about status to what I had been told it was in line to be reviewed and I finally received my notice of adverse action due to a missing W2 of a job that i had started this XX/XX/XXXX as listed on my application I asked for my application to be reistated and my loan be looked at as a rush to what I was told it was a mistake and that i needed to re-apply, since there was no way they were going to bring my application back alive. If they had contacted me to ask about the w2 i would have explained that there was no w2 available on a job that I had recently started. I feel my application was overlooked and not treated with equality as other customers. Im very much disappointed with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

I sent two debt validation letters to this company asking for validation not verification of the debt they say I owe in the month of XXXX, 2019. On XX/XX/2019, this company sent verification of what they say I owe but they sent me procedure descriptions that was explaining personal things as if I signed a HIPAA release form but I never signed the HIPAA release for XXXX XXXX XXXX to release my medical information to this collection agency. On XX/XX/2019 FirstPoint Collection Resources , Inc. sent me a letter back acknowledging that I sent them a HIPAA release dispute letter but yet they still did not remove this account from collections. I've already filed a complaint on this company with the XXXX XXXX XXXX, the FTC, the CFPB and the Attorney General of North Carolina. Now this is my second complaint before I sue this company in federal court.
Product: Checking or savings account

Hi My Issue is bit complex and tried my best to talk to banks to get my money back but no one helped and did an useless investigation, I tried many ways but CFPB is the only hope please help me here On XX/XX/XXXX i made an Balance Transfer of XXXX $ from my XXXX credit card to my Bank of america checking account, on XX/XX/XXXX I used my Bofa mobile app deposit check option to desposit those XXXX $ into my bofa checking account, Till here everything was fine On XXXX, My Bofa account got charged XXXX $ saying " Debit Adjustment Duplicate item '' when i called the Bofa customer care they said i have cashed my check twice which i did not. then i informed Bofa fraud team that i only cashed the check once and second time is a fraud which i did not commit, then the Bofa fraud team mentioned that if its Fraud i need to complain XXXX as the check belongs to them When i talk to discover Fraud team they say that those XXXX $ already got credited to My Bofa checking account and we are not responsible for any fraud. 

I never cashed my check second time its an fraud attempt done by someone, i have crushed and trashed my check after the money got deposited to my account, But the bank of america wrongly charged my account saying i cashed the check twice Now i lost XXXX $ due to bank of america mistake and had to pay back XXXX $ back to discover with Process fee The Check has my name and my bank account details, No one should be able to cash that, due to Bofa mistake i lost money Its purly BOFA mistake to charge my account. 

Please help me
Product: Debt collection

I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again. 

I ended up paid the amount again simply because the amount is not large and the whole process is super annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my car through a Santander Loan on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through XXXX XXXX XXXX with the Original credit name of ( Santander Consumer USA ). Santander was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX 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 or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX SC, Account # XXXX Company : XXXX XXXX has 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.
Product: Credit reporting or other personal consumer reports

I am submitting this communication to Synchrony Bank regarding alledged account XXXX XXXX # XXXX illegally REINSERTED violating the FCRA XXXX is now reporting in the CLOSED section on my XXXX credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA XXXX ( a ) ( XXXX ) ( XXXX ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my XXXX credit report again today XXXX. 
Synchrony bank has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.
Product: Debt collection

I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX,
Product: Debt collection

Citizens Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

I had an FHA mortgage which I think uses deceptive marketing techniques and fraud as a basis for concealing the total cost of the mortgage. First of all, there was no way to cancel my mortgage insurance despite my loan only being XXXX % LTV because I refinanced the mortgage for a lower rate and it has a mandatory 5 year MIP payment from the time of refinance regardless of the value of the home. We recently sold the house and now found out we have to pay the entire month 's interest despite closing on XX/XX/XXXX. This resulted in a charge of {$810.00} of interest regardless of closing earlier in the month.
Product: Checking or savings account

Around XX/XX/XXXX of XXXX My XXXX XXXX  was compromised and money were being transferred without my knowledge. I filed a claim with them ( XXXX ) for about XXXX dollars instead of helping me they decided it was not their problem and closed out my account for violating their rules which i did not. so i tried to file a claim with my bank ( Citizens ) for the lost money after XXXX review they said it up to XXXX XXXX to correct the issue decided their decision was final.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXXXXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Debt collection

I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.
Product: Checking or savings account

I bought a vase for {$4.00} on XXXX XXXX, with {$5.00} for shipping. I received a notification that the seller by the alleged name XXXX XXXX, canceled the order. I did not receive a refund, so I contacted XXXX on messenger. She did not make sense, so I filed a claim with XXXX, which was immediately closed. XXXX said I had not been charged. According to my BMO Harris online app, there was a pending charge on XX/XX/XXXX for {$9.00}. The next day the record of my transaction disappeared, with no refund. I called customer service and they said they had no record of the transaction from either XXXX or XXXX. Someone had managed to wipe my bank data. Iwould like. a refund of {$9.00}.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed Collections that I did not make nor did I approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- DISCOVER BANK ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 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 NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting or other personal consumer reports

I Have Tried Every possible way to cooperate with Early warning and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have provided them with a form of id my social security card and proof of residence and my phone number. My personal information It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Product: Credit card

I have consistently made timely payments on this account and never allowed them to become overdue. I am unsure why there are reports of late payments on my account. According to 15 USC 1666b, billing errors should be corrected.