23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I requested to remove XXXX XXXX XXXX which was mentioned as Optional on my CD. But the Lender/Closing attorney mandated me to buy it in order to proceed with closing and that too exclusively from them. 
I mentioned it says optional but XXXXXXXX XXXX XXXXXXXX refused to remove. It looks like they inserted some clause in the purchase agreement stating I have to buy from them. 

I had reached out to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> when initial CD was provided. I was told, Owner 's title policy ( optional ) can not be removed and charged {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these 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 : ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine ECMC XXXX not mine ECMC XXXX not mine Identification already on file. 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify this with XXXX and Experian, they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed
Product: Debt collection

I write this letter with a desperation and rage that anyone in my shoes would experience. I have produced hard proof in the form of an FTC and police report, thus I am completely horrified by your bureau 's surprising and unfair rejection of my identity theft accusations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. 
XXXX XXXXXXXX If my pleas for justice continue to fall on deaf ears, let it be known that I am prepared to take drastic measures to protect my rights. I will not hesitate to enlist the aid of legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this ordeal has inflicted upon me.
Product: Credit reporting or other personal consumer reports

I have been a victim, identity theft. I have no knowledge of who has stolen my identity. I did not authorize this account. 
this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and nelnet account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Citi Benefits claim approved for stolen iphone, credit still not applied, check mailed to wrong address
Product: Mortgage

XX/XX/2019, an appraiser came to my home to do an appraisal for a refi. I made application for a refi with the company who held my mortgage, Lakeview Loan Servicing. 
They chose her to do the job. She came and was very scattered and unfocused. Within 5 days, I got the appraisal by email, and it was very low. Due to the fact that her comps were completely off, when she had exact comps to the subject home available in the neighborhood. I am a XXXX and know all about how it works. 

Lakeview stood by her appraisal. Which made it not worth my time to go forward with the refi because it did not reflect the true value of my home. 

I issued a complaint with my state 's Board of Appraisal and they did an investigation and recommended that the appraiser take a class in sales comparison. It was that oblivious. See Attached.
Product: Debt collection

Company " XXXX and XXXX. '' and " XXXX and XXXX '' left messages on my voice mail threatening freezing assets and closing my financial accounts. Also threatened legal action and arrest for an unknown debt. 
I called the number they left XXXX, was funneled to a voice mail stating the person I was trying to reach is unavailable.
Product: Credit reporting or other personal consumer reports

I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and Transunion drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX and BANK OF AMERICA. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and BANK OF AMERICA. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX removed the account immediately and BANK OF AMERID did the same thing, About three weeks after through my real-estate agent i find out that BANK OF AMERICA has re appeared on my credit report. being annoyed I contacted BANK OF AMERICA FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Credit card

I submitted payment to Community through my bank account, for payment in full ( {$660.00} ) on XX/XX/year>. Community has contacted me 4 times, XXXX of which were on the SAME day asking for payment. They have removed the late fee but are still saying they do not have my payment when I have advised them that my bank has documented payment has been made. This is the second time I have used my credit card through Community XXXX XXXX and I had issues with them posting payments the last time and filed a complaint. I do also have another account through community that is NOT for XXXX XXXX and NEVER have this issue with payment. 

Refer to previous complaint with same company and same issue... XXXX
Product: Checking or savings account

XX/XX/year>, I disputed XXXX charges. The agent I talked to, seem like she didn't understand why I was disputing the charges, and she had a strong accent which made communication hard. I disputed the transactions because, because the vendor was suppose to send real items but instead sent fraudulent/replica items which I didnt attend to purchase. And only XXXX days later XX/XX/year> they denied my disputes. How can your bank deny your disputes if you received XXXX/fraudulent items instead of real, also with no history of doing business with theys type of businesses. If the items I received were real, I wouldn't need to file a dispute. It's common sense.
Product: Money transfer, virtual currency, or money service

I am a user of Paxful. I have recharged XXXX XXXX cryptocurrencies on this website, but they have frozen my account and refused to withdraw under the guise of compliance review. It has been two years since I confirmed that I am using it myself, but they have always refused. I have contacted them multiple times via email, and each time it is under compliance review. I have not received any relevant notification and can not unfreeze my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX I was in XXXX data breaches XXXX and XXXX and received no compensation did not know of this, and things started getting on my report without my consent, charges I was saving my credit and was not making any purchases, I sent letters to the bureau and they did not verify anything I am writing to dispute the following information that appears on my XXXX, Transunion, XXXX report XX/XX/XXXX : XXXX XXXX XXXX Charge Card with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$270.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$61.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$82.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$29.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I Sincerely, XXXX XXXX
Product: Mortgage

I chose better.com over my current lender for refinancing because I was sold this average closing in 20-30 days and me and my team will be with you throughout the whole process and of course they were able to beat closing cost by about {$650.00} dollars over my current lender. I started the process on XXXX. 
Anyways, fast forward 14 days on XXXX and things are starting go south little by little in these 14 days. They couldnt fathom that I work for a company whose headquarter is in another state. They didnt even bother to look at W2 submitted to see my home state ( where my property is ) taxes were taken. 
They also probably have some of the worst underwriting requirements that makes it impossible to acquire a loan for someone with excellent credit, 37 % LTV, excellent assets, and income requirement as their practice of evaluation is not fair to say the least. I almost lost my appraisal fees until I threatened them with CFPB complaint and thankfully, I was able to go back to my current lender but in 15 days, the interest rate now is now XXXX % higher. 
Oh, to top it off, I never even got a call/email back from the loan officer that sold me the bill of goods that they couldnt deliver. None of their employees I dealt with seem to care, they are just collecting paychecks. Avoid them at all cost if you want to actual close on a loan.
Product: Debt collection

So, I am a XXXX  XXXX participant with XXXX XXXX XXXX XXXX. We signed a contract with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never had the opportunity to move into the unit due to no heat or hot water.I did not know that before signing the lease. I had already turned on the proper accounts in order to access these services in my name, through XXXX XXXX and XXXX XXXX. The development XXXX XXXX had not repaired the issue of installing a new water heater which was broke., also I was not able to access heat during this winter month because their was a mechanical problem with the heating system in the unit. I was not aware of these issues until I went into the unit to turn on the heat and to take a shower. I called and went back to the leasing office to speak with the property manager who worked with me to move into the unit. I arrived and she stated that I must put in a work order for maintenance to come out. I asked if they could come now because the unit was cold and I wanted to shower. Th
Product: Debt collection

I checked my credit and I noticed an account for CHOICE RECOVERY in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Product: Mortgage

My complaint evolves around a mortgage my sister and brother in law applied for via a company called GMFS. I was asked by my sister to gift them {$17000.00}. I agreed to the gift and signed the gift acknowledgement. I had my bank wire the money as I was instructed. Later, the mortgage company asked to see my bank statement. I provided them the first page which clearly shows my name, address, balance amount and the last 4 of my account number. All corresponds with the wired funds the title company already received. I am being asked to provide the additional 3 pages of my bank statement or else my sister and her husband won't be able to close their mortgage. My complaint is where does my right to privacy come into play. I don't want to show this mortgage company my transactions. It is none of their business. I am not applying for a mortgage nor am I signing as a guarantor for this mortgage. I am just the person who is gifting the money. I have a right to privacy. I have nothing to hide and I certainly didn't borrow this money on their behalf. I am just filing a complaint because I have a right to privacy for a loan in which I am not applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with XXXX Credit Bureau As I am reviewing my credit file with Equifax Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX XXXX XXXX XXXX XXXX 

I reached out to XXXX Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as Equifax rejected my request for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my XXXX XXXX to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.
Product: Bank account or service

Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.