23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Attempted to refinance my mortgage with Freedom Mortgage in XX/XX/2021, applied, and was initially accepted. Looking to refinance because my father was dealing with end stage XXXX XXXX XXXX XXXX XXXX  ( he passed XX/XX/XXXX from it ), and I was looking to not only pay off my debt, but also to assist him with the excess ( fall risk/needing constant care ), etc. with whatever was left over. So, XXXX documents sent to me and signed, statements from agents about rates, estimated loan rates and costs, etc. Everything was going ok, delayed somewhat, multiple requests for information, 30-day payoff letters for debts, XX/XX/2021 - {$95.00} XXXX ( termite inspection ) that I paid for as well as XX/XX/2021 - a {$300.00} home inspection that I paid for on XX/XX/2021 ; that was claimed to be what was holding up the process and needed, and did all of that. Around XXXX there was an email from an agent, XXXX XXXX, claiming that the underwriter had found a judgment in favor of XXXX, " please provide proof of payment ''. I am not a customer of XXXX, no accounts ever, etc. But I contacted them, talked to their agents who found nothing with my information after SSN search, name search, etc. but they could not provide this to me in letter form due to me not being a customer ever and I explained all of this to the mortgage company agents as well as their supervisors through emails and phone calls; gave them all contact information for XXXX also. It was returned as stating " the underwriter rejects your explanation ''. The XXXX agent then told me to ask for proof of what the underwriter was seeing. I did this, sent it in email to multiple agents. The next week after sending it I was sent an email by Agent XXXX XXXX containing another DocuSign but it was a credit denial letter, dated XX/XX/XXXX, but sent to me XXXX XXXX After being drug along for months, the statements of what was allegedly still needed from mortgage agents, and documents beforehand, that gave no indication anything was amiss whatsoever, until the random " underwriter '' issue arose and was never explained ; nor was I ever provided proof of what they said was a judgment even after requesting it over phone as well as through email. Instead, once I asked for proof of what the underwriter was allegedly seeing, I was sent a 3 month old credit denial letter after paying {$390.00} for services for something I was constantly told would happen. Over 40 emails, numerous phone calls, being told not to contact other lenders or incur credit inquiries during the process, all just full of seemingly false statements by mortgage agents seeing how I was never informed until XX/XX/XXXX of a credit denial letter dated XXXX XXXX. Deceptive lending at best, and at the end of it all my father died before I was able to help him at all as well as being out of pocket {$390.00} for false and deceptive practices by my mortgage company.
Product: Mortgage

I've been sending in documents to the servicing company of my loan to help with a short pay so I wont lose my home. Apparently the servicer decided to withdraw my application. stating it was incomplete with no activity for 30 days. That is a lie, I have been sending documents daily to this company and if there was some thing that needed to be completed then I never received a notice stating it was incomplete. Failure on their part to notify me put me at further risk of losing my home. Since I will not be making the payments they want because of lack of funds to do so. 
I can however obtain a loan for the appraisal value and pay this company off but they would rather see me lose the home than help me retain my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX 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 Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX/ Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have for 28 years been a customer of Wells Fargo Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted Wells Fargo, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Consumer Loan

Ford motor credit repossession our car XX/XX/XXXX.We pay them {$500.00} but they still took the car.Then turn it over to XXXX & XXXX XXXX XXXX law office who return put a lean on our property.We file bankruptcy XXXX which we included them for the amount of {$11000.00} which have they refuse to honor the court dismissal of this XX/XX/XXXX discharge they will not remove the lean.
Product: Checking or savings account

Complaint Details : On XX/XX/year>, I received a letter from Wells Fargo notifying me that they would be closing my account due to " unauthorized transfers '' without providing clear details or evidence of the transactions in question. The letter also stated that my account would be closed by XX/XX/year>, and mentioned that some transactions would be blocked, which would affect my ability to make payments or receive deposits. However, no further explanation or documentation was provided by Wells Fargo, leaving me confused and concerned about the reasons for these actions. 
I have contacted Wells Fargo multiple times, but I have not received adequate responses or clarification regarding the unauthorized transactions, the reason for my account closure, or how to resolve the issue. Furthermore, I am concerned about the impact this has on my ongoing financial obligations and transactions.

Name and Contact Information of Bank Representative : XXXXXXXX XXXX XXXX  Date : XX/XX/year> Time : approx XXXX Additional Documents : I have attached a copy of the letter from Wells Fargo XXXX as well as any relevant communications with the bank that might help clarify the situation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issues related to my account closure. I am seeking clarification on the bank 's actions and hope to reach a fair resolution. 

Thank you for your attention to this matter. If you require any further information, please do not hesitate to contact me at XXXX or via email at XXXX. 
Sincerely, XXXX XXXX XXXX Attachments : Copy of Wells Fargo 's letter regarding account closure Copies of any communication with Wells Fargo
Product: Student loan

I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from each of the three major credit reporting agencies ( CRAs ) in XXXX of 2020. On review, I noticed that Equifax was reporting an incorrect date of birth ( the other two CRAs had my correct DOB ). As a result, I opened an online dispute with Equifax ( Confirmation No. XXXX ) on XX/XX/2020, asking them to correct the error and supplying them with my correct DOB, and with a copy of my drivers license showing my correct DOB. After waiting 60 days for a response and not getting one, I again visited the Equifax website and saw that : ( 1 ) they had opened and closed my dispute on the same day, and ( 2 ) that they had not corrected the error. Consequently, I filed a new dispute with Equifax ( Confirmation No. XXXX ) on XXXX, 2020, again supplying them with my correct DOB and a copy of my drivers license showing my correct DOB. In less than 24 hours, I learned that Equifax : ( 1 ) again opened and closed my dispute on the same day, and ( 2 ) had not corrected the error in the report -- the credit report they supplied still contained the incorrect DOB. I believe Equifax is violating the FCRA by : ( 1 ) failing to conduct proper investigations into disputed information, and ( 2 ) failing to correct errors in credit reports after being provided with information establishing the error.
Product: Debt collection

This account was settled and paid, yet it continues to reflect negatively on my credit report. Since the balance is {$0.00}, the continued negative reporting may be unfair and in violation of the Fair Credit Reporting Act ( FCRA ) if it is not being reported accurately. 

I have already disputed this with the credit bureaus, but Acima Digital has not corrected the issue. I request the CFPB to investigate and ensure that this account is properly updated or removed if it can not be verified.
Product: Debt collection

On XX/XX/2021, I consumer XXXX XXXX received a notification that NAVY FEDERAL reported negatively on an account that is being disputed. That is a violation of the federal law, 15 USC 1666a ( b ), 15USC1666b ( a ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ). I contacted NAVY FEDERAL on XX/XX/2021, to resolve this issue and remove the late payment in which they refused. I informed the supervisor XXXX, who refused to inform me that she was a debt collector, which is also a violation of the law. NAVY FEDERAL was ordered to CEASE AND DESIST communicatin with any third parties, in which they acknowledged reciept of such letter on XX/XX/2021 ; at this time they are in violation of that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I sent information showing that what they have is not mine and they refuse to remove it.
Product: Checking or savings account

Account had a negative balance and the account was restricted and I had no access to fix the problem. I was told to send a cashiers check to fix it and have the account restored and access granted. I sent 2 checks total which put my account in a positive balance, the account now has over {$2000.00} in it. However, after fixing the problem and doing everything that was requested of me the company still will not unlock my account and give me access. They say the account is " under review '' but will give no information on this. Every representative has said something different. One says the account will be unlocked today, then one says it could take a year! They will not tell me who is reviewing it and/or tell me an actual timeframe and they said there is no way me or them can contact the persons reviewing the account and that I have to " wait it out '' without saying how much time that is. Its already been several weeks and they are withholding over {$2000.00} from me and will not assist in any way.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chime regarding fraudulent use of my debit card and I also reported it stolen. They claim to issue me a new one, I have not received it yet - My first 3 transactions which totaled close to XXXX was denied- for no reason whatsoever. Everytime I call to check the status of my claim- I am told different lies by different people claiming to be Supervisors. 
I was also told while my claim was being investigated that I would receive a provisional credit for my loss of money and that was also a lie. 
My dispute claim numbers are XXXX And XXXX. 
I was denied on XX/XX/XXXX. 
This has affected me and my family a great deal and placed us in a huge financial burden while all this time - Chime and its employees lied to me.
Product: Credit reporting or other personal consumer reports

I settled my collections account with Rausch sturm the middle of XX/XX/year>. The account is closed on their website. They filed a civil suit against me in XXXXXXXX XXXX district court but since i paid as agreed the suit was dismissed with prejudice. 

The problem is that the collections account is still open on my credit report and shows a balance of {$850.00}. This should be XXXX and removed from my credit report. The outstanding balance did decrease by the amount i paid, but the collections account should be completely removed as agreed.
Product: Debt collection

After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2021 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, there were no persons signatures proving those documents are ( 100.00 % ) verified. Also they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2021 and their response were the exact same documents. At this point their being very negligent and have violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EQUIFAX didnt exercise there grave responsibility to my consumer report. EQUIFAX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EQUIFAX in writing to furnish this report and never consented to this report of XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX as well as XXXXXXXX XXXX INQUIRY ON XX/XX/XXXX and XXXX XXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EQUIFAX just assumed that EQUIFAX could report this and EQUIFAX never had my permission and stole my identity to report on my behalf.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX