23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initiated a loan with quicken loans to refinance my mortgage on or about the first week of XX/XX/2020. I uploaded all documents required. documents such as pay stubs, paperwork inlcuding insurance on home, the balance on my mortgage. my credit passed and they congradulated me. i was contacted by rocket mortgage, they were going to finish up the loan. In first week of XXXX i contacted them again, they kept stalling asking me to upload the same documents which i did, and i asked to speak with someone about why its taking so long. they finally called me told me they are working on pay off and they needed me to upload my divorce decree again. the begining of XXXX i called again, they are now saying they are waiting for a pay off, it should be a few more days. We are coming up on XX/XX/XXXX still no closing, i tried calling today left a message logged into the rocket mortgage account they want me to give them my morgage banks phone number. This company needs to be investigated, why do i need to keep uploading the same documents, and if they needed a phone number for my mortgage why didnt the representative tell me when we were on the phone. this company is very shady on how they are doing business. I would like to just stop the process and end it all, i just dont know how since there is no personal office, all is on the phone. a morgage started the first week in XXXX still ongoing in XXXX. help
Product: Credit reporting or other personal consumer reports

All the following accounts were already closed by the law under Bankruptcy Court of the United States of America in XXXX FL Case number XXXXXXXX XXXX It is ordered a discharge under 11 U.S.C 727. Now the following accounts : 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 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

I am writing regarding my account with your company, Account Number : XXXX which has been marked as XXXX XXXX I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Product: Checking or savings account

On XX/XX/XXXX my cell phone, XXXX XXXX, and checking account, with SunTrust Bank, was hacked. The cash amounts taken from my SunTrust checking account were : {$170.00}, {$250.00}, {$230.00}, {$320.00}, {$320.00}, and {$300.00} totaling {$1600.00}. These unauthorized transactions occurred by the name of XXXX XXXX, who I do not know. This person name was associated with the transactions, according to my checking account. 
I called SunTrust to discuss this matter and was told they had froze my debit card because of suspicious activity noticed in my checking account. I told them I did not authorize any of the transactions mentioned above. 
The Fraud Department of SunTrust performed a 10 day investigation and denied my claim because of " inconsistencies ''. I told them the truth. My cell phone was hacked on XX/XX/XXXX and I didn't have service on my phone for what seemed like 20 to 30 minutes. During that time, my XXXX XXXX  account was hacked which was linked to my checking account with SunTrust. I had to submit rebuttal paper work to SunTrust which included a copy of a text message by XXXX by XXXX, and emails from XXXX XXXX Support acknowledging fraud activity and freezing access to my XXXX XXXX because an unauthorized person had access to my XXXX XXXX   account. SunTrust told me, on XX/XX/XXXX it would be a 45 day process to review this. I really need my money back now. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Experian to delete this information but they have not. I am contacting you to have these accounts for XXXX 's & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax will not remove XXXX inquiries off my credit report, I've removed my fraud alerts so I can establish credit, but they will not respond to remove XXXX inquiries off my account, please forward complaints to corporate office and XXXX alone with XXXX XXXX, and the attorney general office of there state, complaints filed to fcra
Product: Credit reporting

Transunion disputes department, continue to reports my credit information wrong. They have been reporting negative credit account. Transunion continue to disregard chapter ( XXXX ) bankruptcy. They reject the I file chapter ( XXXX ). Several company have report the account report they refused to, continue to reported these items, collection, number account with delinquency. To few pay as agreed. Transunion have cause me not to have access to credit. Adverse public record. I a low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required.

Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. 
XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. 
This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. 
This company had no right to sue in court and won by default. Using illegal and deceptive business practices. 
Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. 
Prove you own this debt, that I owe the debt and that you had the right to sue me?? 
Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit score was XXXX, this is a testimony that I am a very repsonsible person. My student loan was on a deferment plan with Nelnet ( Student loan servicer ) from XX/XX/XXXX. The deferment plan postpone repayment of my stduent loan for a designated period. Nelnet would send an email reminder to renew the deferment plan. However during Summer of XX/XX/XXXX I lost my cell phone, and with the new cell phone I was unable to retrieve any forms of email. In XXXX I noticed my credit score dropped from XXXX down to XXXX, I've lost 147 points. After doing a couple of research, Nelnet told me they reported me " delinquent '' for not making payments to my student loan. I told the representative I did not have a payment plan only a deferment plan, and why is that I have to loose 147 points?? Nelnet told me they sent reminders, unfortnately I did not recieve them. XXXX tech support advised me of some issues and some of my mails went straight to my junk file. 
Moving forward, In XX/XX/XXXX I setup a payment plan for auto payment from my checking account. 
All I am requesting for Nelnet to do is to reduce the points lost from my credit score instead of 147 points. This does not make sense, were XXXX  students trying to make it in the workforce. As a XXXX, were not running from our responsibilities, deferment on loans gives us some wiggle room to get our lives together. And a bad credit score will never help us .My creditscore of XXXX is a testimony that I make my credit card payments on time. This lost has caused my credit card limit to drop severly. I have XXXX children and I can not support them on bad credit, I've worked VERY hard to maintain a high credit score.

Please, I need any assistence in gaining back some of my credit score points. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, Transunion and XXXX are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Product: Debt collection

AFFIRM wants me to pay them XXXX dollars but refuse to tell me why. I don't recall making a purchase for XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

Someone was Impersonating thru emails, my real neighbor sent out in email needing help collecting money for the fire that happened in XXXX XXXX and since shes an older lady she didnt have XXXX XXXX  or XXXX XXXX The Imposter that said was my neighbor said if I can help send money and she will give me a check or cash when she sees me. so she asked me if I can send her friend the money and she would come over to my house and give me the money plus another XXXX $ for my troubles. so after I send those transactions I reviewed the emails and I contact her and I asked her hey are you asking for money she said yesbut not thru XXXX or XXXX XXXX  because she does not know how to use them. And thats when I contacted my bank immediately. This is the email that contacted me XXXX. This are the emails I sent money to XXXX XXXX Please please help me. They scammed {$3400.00} for me. This has effect my life so much. It Happen in XXXX and the bank has done nothing. At one point they said I was going to get my money back then they denied it. They have to have the recording where a person told me I was approved to get my money back. 
I have pictures and email that Im more then happy to provide. Please they used in email super similar to my neighbors.
Product: Checking or savings account

On XX/XX/XXXX Friday afternoon within the XXXX XXXX. hour, I XXXX XXXX XXXX XXXX   walked into the Wellsfargo, XXXX  location, Branch in XXXX XXXX, Texas, ( XXXX Area ), to withdraw XXXX dollars from my Savings account. There was an issue with my newly issued Wellsfargo check card or the system. This was told to me by the Bank teller. She immediately called the Branch Manager, XXXX XXXX over to assist. He some how okayed to processed with the transaction. I went thru the process of attempting to withdraw my XXXX  from my checking account 3 times. Two attempts did not work by placing the chip checkcard into the machine at the teller and pushing in my pin, so the 3rd attempt had to be done manually, by writing on a withdrawal slip my withdrawal amount and giving it to the teller. Please be advised that at this moment around {$3800.00} dollars are so was in my checking account. {$380.00} in one ( Savings ) way2save account and {$150.00} in another ( Savings Account ).

On XX/XX/XXXX Friday night I checked my account to prepare for the next day and account showed the {$2000.00} dollars withdrawal and then a deposit of {$2000.00} with both of my Savings were depleated to XXXX funds because of this error on Wellsfargos behave as well as over draft fees created by this system error. I screen shot this for proof and evidence.

I discovered this Saturday morning, XX/XX/XXXX around the XXXX XXXX to XXXX, a negative balance of $ XXXX dollars. It also showed 3 separate in store branch cash withdrawals of {$2000.00} dollars totallying {$6000.00} dollars, which took all of my savings and then placed me in the negative.

I drove to the Wellsfargo, XXXX location and while in transition the Teller that made the transaction called me with to attempt to explain this error. Upon arriving to the Wellsfargo Bank I was greeted by gentleman name XXXX by name asking if I was XXXX XXXX. I said yes and he walked back to inform the Branch Manager which I saw through the Bank Teller glass. XXXX stayed back there and never addressed me concerning the matter. He had a cringing demeanor as if he did not want to explain this error to me face to face. I stayed for about 10 mins and upon being informed that there was going to be a temporary miscellanious funds placed in my account and that there was nothing for me to do, by XXXX  the floor representative, I left seeing that there was nothing for me to do concerning this matter.

The weekend passed and on Monday, XX/XX/XXXX morning my account showed {$900.00} dollars in my checking with overdraft fees and both my savings accounts still at XXXX  dollars. Monday passed and on Tuesday, XX/XX/XXXX there showed XXXX and XXXX funds in both of my Savings accounts with overdraft fees totaling XXXX.

I again screen shot these unjustly errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information to Transunion through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never received a reply. My file number is XXXX.
Product: Vehicle loan or lease

I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX Credit Card, XXXX Credit Card and XXXX Credit card. Trying to make payments, website not accessible due to their own glitch. Can not reach anyone via telephone to make a payment. Have tried on several computers to access my accounts. I have a payment due tomorrow and have been trying to pay it for five days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA a charge off account cant report a monthly payment. Due to the nature of the situation and given the opportunity multiple times to update I can request a deletion under the FCRa. 
XXXX XXXX is reporting a monthly payment on a charge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Equifax over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used an attorney to pay off credit card debt after divorce. I paid off American express bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately American Express has placed a lien on the mortgage, despite the account being completely paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent at dispute letter to Equifax on XX/XX/XXXX in regards to a line of credit with a credit union. Upon reviewing my credit report, I realized that Equifax was reporting an incorrect " Last Activity '' date and not reporting a closed date for the account ( although showing that the account was closed ). In actuality, the account was paid off in XX/XX/XXXX. If the account was truly verified, as they've mentioned that they did previously, then an updated date of Last Activity would've been updated to reflect the true last activity date and a closed date. Equifax, instead of completing a requested investigation, only sent out a false dispute result.
Product: Credit reporting or other personal consumer reports

I was involved in identity theft, which I reported.
Product: Checking or savings account

I had been trying since the XXXX to open an account with them. Though I had never heard of them, I decided to give them a try since they are backed by BBVA and they offered free Business Checking.

I worked in XXXX  for 8 years and I know that they shouldn't be making assumptions when a person provides the information requested. I do understand that at times additional verification may be required but when it is and it is then backed by valid evidence, what is there left to assume? Therefore I sent the following email this evening after receiving another email saying that my actual office lease contract was not sufficient to prove my business ' physical address despite that being exactly what was requested as proof, " At this point ( NAMED EMPLOYEE ) and team, Your practices would seem a bit discriminatory in nature. All the information that you guys have asked for has been provided in detail previously. You should be able to see from any search that ( MY BUSINESS NAME ) is listed at the address provided, well established, and per the actual detailed leasing agreement that I sent over to your team, I do actually lease an office, just as I am sure XXXX and even BBVA themselves lease an office or facility.

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( likely an office building owned by a company where other businesses typically lease office space ) If it were a mailing service, at least with what I myself am accustomed to, it would not have a suite number but perhaps a floor number or simple address ... Seeing that it has been days, I would like to retract my application. Please delete any and all of my information as my request is now being fulfilled by another financial institution. XXXX, nor its affiliates or partners have my permission to use any of my information outside of due process in retracting my previous requests made. Thank you in advance. "
Product: Credit reporting or other personal consumer reports

I am formally disputing the account XXXX XXXX  Acct # XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices. 

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge. 
I dispute this debt for the following reasons : [ Insert reason ( XXXX ) for dispute ]. 

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, XXXX XXXX XXXX XXXX