23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Terrible company to work with. Our mortgage was purchased by Freedom Mortgage and it has been a nightmare since. They contacted us to solicit a refinance in XX/XX/2021. We moved forward and they pulled our credit, which is 800+. They proceeded to state they could not proceed with the refinance due to our debt to income ratio based on large student loans, despite our debt to income ration actually decreasing since the mortgage initially inception 2 years prior. This was addressed by the loan officer before our application was submitted and he assured us that it would not be an issue as it was not an issue with the original loan. Freedom was incorrectly calculating our debt to income ration based on what our monthly payments would be under a traditional 10 year repayment plan and not under the income driven repayment plan in which we were enrolled. I spoke with the loan officer many times and provided documenting from my student loan servicer, FASFA, the department of education and XXXX XXXX XXXX showing that there incorrect application to our debt to income ratio calculation was in contradiction with conventional loan underwriting guidelines and federal law. I was continuously reassured that everything would be sorted out and that the file was being reviewed by management in the underwriting department. After following up many times via email and telephonically and being advised that I would be contacted and the file was still in review I was ultimately told the file was closed and there was nothing I could do. The entire situation from start to finish was very frustration and deliberately misleading. 

**It is also very important to note that when I was initially advised they would not be able to proceed with the refinancing I went to another mortgage company and submitted an application that was approved by the underwriter. I abandoned that application and switched back to Freedom Mortgage due to their slightly better terms when I was subsequently contacted by their loan officer with apologies and reassurances that they would be able to move forward with the refinance and that they have received assurances from their underwriters after reviewing the file. Only up subsequently change positions again and deny the refinance for the same reason they previously assured me would not be an issue multiple times. Due to this, I am now in a situation, only three months later, where interest rates have increased significantly and refinancing no longer offers the same benefits. Due to Freedom Mortgages negligence, blatant disregard for consumers, and lies that caused me the withdrawal my other application I will endure an additional cost of approximately {$75000.00} over the life of the loan.
Product: Student loan

ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to XXXX loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid {$1200.00} since XXXX and XXXX of my loans is 65 days past due. I can not get them to apply the payments properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous inquiries listed below continue to report on my credit report in violation of federal law.These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not verify these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an accounts listed on my credit report that I believe is a result of identity theft. i have previously disputed this account on XX/XX/XXXX and i dont know why its still on my report, it doesnt even look like it was ever placed in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XX/XX/year> am between XXXX XXXX  Chase branch was closed and card reader did not open door for atm use. Across the street Chase has a drive thru. I entered drive thru atm closest to the street. 

Entered card info and started a cash deposit. {$1800.00} was inserted into cash slot. At first the machine did not react to the cash. I had to keep my hands on the cash for a few seconds before it accepted it. It then closed but no sound for a few seconds. 

A message appeared on the now dark screen stating the machine is down and we needed to call the number displayed to make sure that the deposit was recorded. 

The bank is closed so I called the number and eventually got to the Claims department. Explained what happened and gave them exact time stamp. 

The original call to Chase claims would have all recorded audio to match camera,, timestamps of activity. I stayed parked in the atm slot for the duration of the call almost 38 minutes and-after to ensure. Noone else used machine assuming Chase would send someone.

Claim was entered and cash was reimbursed to account. 
I received a message from Chase claims stating only {$1000.00} was recovered and a total of {$800.00} would be debited.

Nothing Chase has said concerning claim makes any sense from an accounting perspective. They questioned what bills I deposited. The amount debited does not even match what I deposited. Only {$100.00} and {$20.00} bills were-deposited in the machine. Accounts will be closed once concluded. Currently carry a business checking and personal checking with Chase. I can no longer trust this company with my hard earned money with what seems like zero recourse for faulty equipment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Transunion Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yes from XX/XX/XXXX up until XXXX my older brother has been stealing my personal information and using it to open up fraudulent accounts. Credit cards, vehicle purchases and taking out personal loans in my name etc. He has finally confessed to me that he was the XXXX responsible for doing this all along. I have filed a police report with the XXXX New Jersey Police Department. It will be included along with my FTC affidavit and also I will be pressing charges on him. He had gained access to my personal information while I was XXXX from XXXX while living in one of my rental properties looking after our elderly grandmother while I was gone.
Product: Mortgage

My loan that was originally with XXXX XXXX was under {$1200.00}, when Wells fargo took over it, it went up to {$1300.00}. I called Wells Fargo many times and they would say it's because of taxes or escrow. I eventually tried to do a modification in order to offset the increase in payment, but had to take advantage of the pandemic payment pause instead. I can only guess that Wells Fargo took over the processing about XXXX, before house was sold.
Product: Checking or savings account

I filed a complain earlier ( XXXX ), however, Wells Fargo had not addressed my issues. There was no follow-up from CFPB either XXXX 

I received a letter from Wells Fargo, XXXX XXXX dated XX/XX/2022, I called XXXX  times and left messages for XXXX times. I did not receive her responses at all. Therefore, I file my complain again. 

In her letter, she claimed that the bonus code was not presented. However, she did not present any investigation evidence. It was a common sense for people to bring an incentive code to open an bonus account. It hard to believe that not to bring the code to open an account when I had a bonus code. I had a business account with XXXX Bank for years. I would not open an account without incentive. 

In addition, she said that " not able to locate that a bonus code was applied ''. It is not clear to me if the Code I brought over was created by Wells Fargo, or it is a fake one? 

Please refer to the Letter ( from XXXX ) and the Code attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, as my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX date of inquiry XX/XX/XXXXXXXX XXXX date of inquiry XX/XX/XXXX
Product: Debt collection

I DO NOT OWE THIS DEBT. I DO NOT KNOW ANYTHING ABOUT THIS COMPANY NOR THIS DEBT.
Product: Credit reporting

I have REPEATEDLY complained to Transunion and even placed a fraud alert on my account. They continue releasing my credit report without my authorization or these people meeting the fair use requirement. They refuse to remove these inquiries. They are as follows. 
I am disputing the following inquiries on my TransUnion Report FILE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX
Product: Debt collection

I recent pulled my credit report to find that LVNV Funding was listed as a collections with all 3 bureaus. I havent received and paperwork or phone calls from this company regarding any balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee  looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXXXX not mine INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX/XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Debt collection

Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. 

We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. 

Upon arriving in XXXX, XXXX the service was extremely poor. 

We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. 

He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. 

We paid what we used and called it quits. 

Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. 

By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. 

Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. 

Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. 

I have seen this practice by XXXX and a lot of people have complained regarding this in the past. 

I am forwarding this email to my lawyer also for malpractice and the FCC. 

Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. 

Thanking you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXXXXXX XXXX Section XXXX, XXXX XXXX, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights Account Name XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved from XXXX, NC to a temporary address in XXXX, AZ. I am attempting to get a mortgage to purchase a house which requires access to my credit reports. I froze all 3 of my credit reports 2 years ago when the XXXX  breach occurred. I saved the PIN numbers but can't find them since I moved. I was able to unfreeze my XXXX and XXXX reports online without the PIN. I am unable to unfreeze my Experian credit report online and I am not able to speak with a person at Experian on the phone. Experian requires me to send by snail mail various types of id verification documents which at this time since I moved and am living at a temporary place and all of my belongings are in storage it is hard to get. I would like to speak with someone at Experian or be able to do this online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and realized out of all 3 major credit bureau experian has so many inaccurate information about my personal info and my credit info also they are using an outdated method of credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  Tenant Screeners XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX  has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Product: Credit card or prepaid card

I went to XXXX XXXX  onXX/XX/XXXXand received the wrong product. The quality of the goods was not as expected, because I ordered a ribeye steak, but XXXX  gave me a ny strip steak. Discover has asked for this information, and I provided it to them, however, Discover makes it almost impossible to dispute a transaction. They have also done this with previous transactions, where product or service I ordered was not as stated by the merchant, but Discover refused to resolve and always resolved it in merchants favor.
Product: Debt collection

Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable.