23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My son has been working with Loan Depot on his FHA loan. Today he was supposed to go to closing on XX/XX/20 at XXXX. On XX/XX/20, he received is closing disclosure, and was asked by his loan officer for some documents he needed to submit by XX/XX/20. On XX/XX/20, I received a call from the loan XXXX, XXXX XXXX, who stated the closing cost was double the amount on the Closing disclosure he received. I immediately called the loan officer to express my confusion. She informed me she would look into it and call me back. Later that evening, she stated they had to redo the structure of his loan because XXXX doubled all of the numbers on his loan. On XX/XX/20, I was asked to send over a copy of my banking information, my retirement account information because I am the gift giver for my son 's closing cost. Today at XXXX in the morning, I was asked to send over another statement because Loan Depot could not find where I made a deposit for his Earnest Deposit I gave him. at XXXX on XX/XX/20, one hour before his closing time and date, we are still waiting on the closing documents and was informed he may not close today because the underwriter hasn't sent over the documents. 


I called the XXXX XXXX, XXXX XXXX several times today and he has not returned my call. 

This is ridiculous.
Product: Prepaid card

I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Account is reporting a date open of XX/XX/XXXX but date of last activity is reporting XX/XX/XXXX on XXXX. Inaccurate information being reported on each credit bureau. Date of last payment is reporting XX/XX/XXXX on XXXX and no date reported on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Company Name ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,
Product: Mortgage

Contract on Property XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Ga XXXX Mortgage thru US Mortgage - XXXX XXXX XXXX for {$210000.00} 1 % earnest money put down on the property {$2000.00} XXXX XXXX XXXX told my real estate agent on XXXX XXXX, XXXX that XXXX XXXX looks great for the loan and he could close it in 20 days. This is after my agent XXXX XXXX went back to the other agent XXXX XXXX because we had originally asked for 30 days and the seller asked for 20 days hence asking the mortgage broker and he stated 20 day as you can clearly see on the Contract. 
The property in question is XXXX XXXX XXXX XXXX Ga is my rental property. The first time I put a prop under contract XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX stated he could not do because he thought it was an FHA on it, when it was a XXXXl. So XXXX stated I was good to go with the XXXX XXXX property. 
as you can see Documents were asked for and provided in a timely fashion but 3 days before closing XXXX XXXX, XXXX and days after the contingency expired i get a call from XXXX asking to get on a call from XXXX XXXX to authorize her to check payment history and balance. If this info was asked for from XXXX XXXX within the first 3 weeks of the contract and not 2 days before closing I would not have lost my {$2000.00} earnest money because US Mortgage would have found out I was late more than 2x what FHA rules are.I have asked US Mortgage for the {$2000.00} back due to their negligence. 

All this info stated above will the documents supporting everything claimed attached
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I provided information proving to XXXX that the information on there account was wrong and they refused to correct it. XX/XX/XXXX I also reached out the the actual company themselves and they also refused to change it send any paperwork validating the debt and gave a vague response back not indicating weather or not the situation was going to be cleared up. I want XXXX to be held responsible. It's their job to make sure information is accurate. 
XX/XX/XXXX I got an alert and a bunch of phone calls from XXXX XXXX. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that CONSUMER ADJUSTMENT CO XXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this CONSUMER ADJUSTMENT CO collection notice. I sent CONSUMER ADJUSTMENT CO a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. But a vague response that didn't correct anything. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years Equifax have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute only the incorrect information it comes back verified even though I provide proof that the case number and the court name is incorrect and they saying it come back correct because the social is correct. so i went to XXXX since that where they say they get there info from and now it has been deleted from XXXX. I ask Equifax to remove this Bankruptcy since there XXXX  is no longer publishing it and they violate my right by not deleting it and by not verifying if and still reporting on my credit. 
I have provide you a copy of my last letter to them before I take legal action if not remove. 
Please assist me CFPB
Product: Debt collection

Contacted Capital one in writing and asked to verify debt. Never provided the information
Product: Credit card or prepaid card

XXXX is unwilling to replace or solve the money stolen from my gift card. The customer service is awful, and is highly suspicious of a scam. If you look at reviews on XXXX  and other websites you will find that multiple people are getting scammed by this business. They ask for your personal information to be faxed to them to get a replacement card which never happens. They hang up on you when you inquire about specific questions. This company needs to be investigated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not complying with their own policies in a timely manner. Please see my attached dispute letters.
Product: Checking or savings account

I invited a friend to open a checking account to get a {$50.00} bonus for myself and {$50.00} to a friend that I referred. each bonus was not received for both of us.
Product: Student loan

Nelnet sent statements and past-due balance information to the incorrect mailing address, email address, and phone numbers. They had NO correct contact information for me according to the representative I spoke with on XX/XX/XXXX. My name was not even correct in their system. I had two past-due accounts : one with a {$2.00} balance, and one with an {$8.00} balance. I truly believed these were paid off in XXXX. On XX/XX/XXXX, my account was reported to the credit bureaus as 90 days past due. My XXXX credit score and perfect payment history dropped to XXXX overnight. I paid the accounts off IN FULL on XX/XX/XXXX. Then, Nelnet proceeded to report to the credit bureaus that my account was 120 days past due ( after I paid it off in full ). I did not even know Great Lakes became Nelnet. I can not qualify for an auto loan for a bigger vehicle to be able to fit all of my children. This is evil and predatory ... for a total of {$10.00} past due.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My student loans were sold to Navient in XXXX and it doubled the amount of repayment. My XXXX loan had become XXXX which is too much to repay. Where I tried having repayments options and a few forbearance loans, the penalty and interest kept rising, thus causing my loans to be " un-repayable. '' This has affected my credit score mainly and is making it difficult for me to proceed with obtaining a home for my family and I. 

I have just made 10 years working in the public sector, making me eligible for loan-forgiveness. However, I do n't think that paying {$85000.00} on what was avg {$40000.00} loan is feasible. I would like any assistance that can be offered at this time.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XXXX I applied for a payday loan. I was approved for {$250.00}. I signed the loan agreement and inputted my bank account information for deposit. I called XXXX and was advised that I have to reapply but was given no adverse action notification. I reapply and now its giving me a denial. My issue is that this company has all my personal information and also used bait and switch to get that information. No one has sent any written notification of anything besides my approval.
Product: Mortgage

XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT!

this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue.
Product: Debt collection

XXXX literally blatantly told a lie and stated Santander verified the debt as accurate when they just told me that they can not find the debt. So someone is lying personally I do not care who is lying. I attached both repsonse which doestn make sense because how can they be verifying the debt with XXXX but telling me that they can not find or locate the debt.
Product: Credit reporting or other personal consumer reports

the balance of XXXX XXXX  account number : XXXX its XXXX  and it shows as {$310.00}
Product: Credit reporting or other personal consumer reports

So I filed a XXXX XXXX XXXX and 5 years into the XXXX  which was a 6 year plan XXXX XXXX XXXX goes and adds later payments to my credit about 4 1/2 years worth when I was already protected bye bankruptcy Ive disputed this multiple times and they refuse to fix this on both me and my wifes credit
Product: Bank account or service

On XXXX XXXX, 2015 I made an electronic check payable to XXXX XXXX XXXX of XXXX for {$52.00}. The check was found to never have reached them and it was discovered through Suntrust the charge was not authorized. ( See attachment Proof of fraudulent check ). 
Then Suntrust proceeded to credit and debit me the {$52.00} which had no effect to me receiving a refund and charged me a return item fee of {$12.00} on top of that ( see attachment return item fee showing my checking activity. 
I had to pay XXXX XXXX XXXX the {$52.00} last month since they never received payment so altogether I 'm out {$62.00} for a fraudulent check that Suntrust admits was not authorized. When I called their Dept of Fraud Prevention and Claims Escalation at XXXX they said the case is closed on their end and offered no remediation of the funds and the return fee. I can be reached to discuss this further at XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all inaccurate information on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXXXXXXDEPT OF ED XXXX XXXX XXXX XXXX   MOXXXX  This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not give consent for the loan from XXXX  XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Product: Debt collection

I was drove to hospital in ambulance for XXXX XXXX reasons. There was a lapse in my insurance and they cant the insurance because I didnt have it at the time. There was like a month or two lapse. The bill was around {$4000.00} I cant really pay that Im on a fixed Income. Im on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inaccurate Information XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX. Please delete this account immediately.