23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I was looking to purchase a house with 25 % down payment with a conventional 30 yr mortgage. XX/XX/XXXX I entered an agreement of sale to purchase a house and a settlement date of XXXX XXXX. I had already started the mortgage process with XXXX XXXX, of bank of america ( nmls id # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. On XX/XX/XXXX, I met with XXXX, gave him various documentation related to the loan and finalized our application and I gave him my credit card information for the appraisal and whatever fees were necessary. The next couple weeks he asked for additional various items to complete our paperwork. XX/XX/XXXX XXXX sent me an email that I have provided everything he asked for. XX/XX/XXXX the loan commitment or denial was due and neither were submitted. XX/XX/XXXX XXXX has no answers on whether my loan commitment was accepted of denied and has no idea when an appraisal will happen. XX/XX/XXXX he stated we will not close on XX/XX/XXXX with no other explanations or answers. XX/XX/XXXX, of course we did not close. XXXX XXXX I notified the bank in frustration, I will not be using them to purchase the house. XXXX XXXX, out of the blue ( 18 days after it's due, 3 days after I told them I will not be using BOA and 5 days after I was supposed to settle on the loan ) they miraculously give me a loan commitment letter. 


I find it strange that on XX/XX/XXXX XXXX XXXX starts sending me emails asking me to withdrawl the loan, when it's actually BOA that isn't able to fulfill the contract. I did everything that was asked of me and everything I could do in a timely manner. I did not want to withdrawl. I find this behavior to be very strange and leads me to believe that something suspicious is going on. 

I ended up having to use another bank, start the process all over again and finally end up buying the house 3 weeks later. 

I find it hard to believe that banks and loan officers are allowed to operate in such a haphazard, irresponsible manner in a regulated and licensed industry. Are bank allowed to deny loans 8 days before settlement with no explanation? I submitted payment for an appraisal on XX/XX/20 and a appraisal was never done, or scheduled. Bank of America and XXXX XXXX should be held accountable for their actions. They cant be allowed to operate in this manner. Theres no recourse or repercussions for their negligence! This is simply wrong!
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : 19 Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


13. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined.

I demand for these accounts to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit and my information was ran 9 times on my XXXX, XXXX XXXX and experience credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Experian the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the XXXX loan and XXXX account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CRA - Inquries are not mine. No knowledge. 
BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone got ahold of some of my information and was able to get XXXX cards in my name, XXXX for XXXX bank and another one to purchase furniture from a company. I was able to get some information and have already filed a police report to get this taken care of. My detective was unable to get the companies to comply with the warrant because of where they are located. How ever i have the police report, the detectives on standby to help me at anytime to get this off of my credit that it has already damaged to prove this wasn't me. I have been to court for this twice now and it was thrown out the first time because the company could provide no evidence it was me and never even worked with the prosecutor and now they have taken me to a different court room. I have even sent in the police report like the companies have request to get this taken off my credit and they have failed to get back with me or even work with me.
Product: Checking or savings account

Marcus has unlawfully blocked me from withdrawing funds from my 2 savings accounts with a total balance of $ XXXX. They told me to send an affidavit of identity. I sent a notarized affidavit of identity which they confirmed they have received. Still, they are not releasing the freeze on my account. I have already provided them a notarized affidavit of identity. When I call them, they keep on telling me to call back in the next few business days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX  on my credit report by XXXX, XXXX XXXX Equifax. This entry violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( c ) and 15 U.S.C. 1681 ( e ).

Details of the Violation : 1. 15 U.S.C. 1681 ( c ) prohibits the reporting of obsolete information and establishes the timeframe in which certain negative items can appear on a consumers report. This XXXX  has been reported outside the permissible time limits.

2. 15 U.S.C. 1681 ( e ) mandates the accuracy and verification of information included in consumer reports. I obtained a letter from the court where the XXXX was filed, explicitly stating that they do not report public records to credit bureaus. Therefore, the inclusion of this XXXX  is both inaccurate and unverifiable.
Product: Credit reporting or other personal consumer reports

My wallet and phone were stolen at the beginning of XXXX. XXXX claims they offer mortgage relief. I called the number and spoke with multiple people to get relief through XX/XX/30. I paid everything by then yet they are saying my account is delinquent and I never got relief until XX/XX/30. When I asked for the phone records they didnt give them to me. They lied to me. I wouldve asked friends or family to loan me money until I got my money back but was confident I had until XX/XX/30 with no penalty
Product: Credit reporting

There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon
Product: Student loan

XX/XX/XXXX I had decided to consolidate my school loans before entering repayment. Multiple Navient employees informed me that consolidating my loans from XXXX ( years XX/XX/XXXX-XX/XX/XXXX ) with my XXXX school loans ( years XX/XX/XXXX-XX/XX/XXXX ) would not impact which income-based repayment plan I qualified for. I expressed my concern that my old loans would disqualify me for some plans, but was reassured that because they were being consolidated, the entire consolidated loan would qualify for all repayment plans. After consolidating and switching lenders ( to XXXX ), I was informed that I could not qualify for the PAYE repayment plan because my XXXX loans were consolidated with my loans. It was very frustrating to be misinformed by several different employees, especially after directly expressing my concerns regarding how my older loans would impact repayment of a consolidated loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for Transunion credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, Transunion must delete fraudulent account reporting by XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's Experian, XXXX $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's Experian, XXXX and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Product: Credit card

This is a follow up for the earlier complaint # XXXX The company not only did not address the issues but accused me of improperly filling out the forms that they claim they needed. On XX/XX/XXXX I received a email that they need more time to " study the issue '' to address it better. After XXXX month on XX/XX/XXXX I received a call from Wells Fargo representative stating that I didn't put zip code on my application and that it is my responsibility to fill out all their forms correctly. I did check my forms after the conversation and it have the zip code clearly stated on the form. So the Wells Fargo Rep. either did not look at the forms herself or is intentionally lying to shift the blame. After XXXX month of " studying the issue '' the only thing they could come up is to falsely blame me in filling out the forms wrong. It is not the kind of customer service I expect from the company that holds my money. I scheduled appointments 3 times to try to seek an advice of their branch representatives and branch manager of how to fill out all the forms correctly. I believe it is the responsibility of the company to provide the counsel to their customers of how to fill out the proper documentation as well as provide the feedback if any of the documents are not filled out correctly. I received none. My account was closed without a warning. It caused a severe strain in my ability to run my business.
Product: Debt collection

I discovered this derogatory mark on my credit report and never received a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to verify the debt reporting to Experian under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Mortgage

Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.
Product: Credit card

After reviewing my credit report I noticed a delinquent account. Not sure if it is a loan or credit card that has been opened and reported XX/XX/2023. However I do not recognize this account and most definitely did not open anything through my Wells Fargo bank account ever. It is apparently a result of identity theft which I took the liberty of looking into attempting to contact my bank and my account had been closed as if it never existed as well as my job deposits at that time used towards this opened third party account I had not opened. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and noticed several fraudulent inquiries made to my credit. I have tried to resolve this with the credit bureau by sending in documents with proof and they have still not resolve this matter. They are breaking the credit laws. Please have them remove these inquiries immediately! These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/2022 at XXXX I received a text from XXXX XXXX put in my bank information, realized it was a scam and called bank of America. 

XXXX : Called Bank of America and reported fraud, got my debit card canceled. 

XXXX : Received a call from bank of America fraud department. The phone number matched the number on the back of my debit card. They said someone was trying to XXXX money from my savings account and we needed to do a fraud claim. I gave them my bank account information and personal information including social security number. They said that in order to cancel out a XXXX dollar XXXX transfer I had to transfer XXXX dollars to this account. I did so, and they said the money should be back in my account by the next day. 

XX/XX/2022 at XXXX I called Bank of America to inquire why my money from the XXXX transfer was not back in my account. They said that they never called me, their protocol would be to contact me via the mobile app. They said the person who contacted me was a fraud. I filed an actual fraud complaint, closed my savings account, and then opened a new savings account. 

XX/XX/2022 I received an email from Bank of America that they denied my fraud claim and would not be giving me back my money.
Product: Mortgage

I was issued a 1st and 2nd loan ( HELOC ) in XXXX from HSBC for the purchase of my primary home. In the XXXX housing market crash HSBC forced me into a 'workout program ' at day 176 of delinquency which put me in a 40 year variable 1st and variable 2nd ( HELOC ) for a total principal amount that exceeded my homes value by over $ 200K! 

Over the past 15 years, my interest rates have slowly and continuously climbed up to unreasonable levels. From XXXX to present, I tried multiple times to get HSBC to convert my 2nd to a  fixed rate, because the variable rate is so high I can't afford it. My credit score is OVER 800! I would qualify for everything! 

Today, I am stuck in a pickle in which my homes value is still {$170000.00} below what I owe to HSBC, and HSBC 's answer over the last 5 years has remained ... '' Too bad, we can't help you and nobody else will consider taking you either ''. With COVID I lost my XXXX  and my family. Long ago in XXXX, HSBC intentionally put me in a position of failure, when at that time they held a fiduciary obligation to help me ... and were compensated ( bailed out ) by the government to help me as well. None of that went to me - in fact over $ 200K in interest payments from me went to HSBC instead over the last 15 years. 

I am over a barrel and even today HSBC continues to behave egregiously, and in my opinion usurious in nature - like hogs when pigs are bad enough in the mortgage industry. 

Without the help of the CFPB, I will continue to get screwed by HSBC. Please do the right thing ... Read my suggested resolution and publish it to the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times by phone and email regarding accounts on my credit report I asked them to provide me with proof that i obtained these accounts and to investigate the accuracy of the accounts experian did not provide me with the proof that they investigated these accounts and they refused to remove them from my credit file or reinvestigate the accuracy of them. The accounts are as followed : XXXX, XXXX/XXXX, XXXX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Capital One Bank due to a significant issue with a third-party vendor that impacted my account. My direct deposit from my employer for {$1600.00} has not been credited to my checking account as expected. This has caused financial inconvenience and uncertainty as these funds are critical to my financial obligations. The issue remains unresolved despite my attempts to resolve the matter with Capital One. I request the CFPB 's assistance to investigate this matter and ensure that Capital One addresses the situation promptly.
Product: Checking or savings account

I closed my checking account and I am still receiving online notifications that it's open and the account was never closed just stay at a XXXX balance
Product: Checking or savings account

I have a checking account with wells fargo. I had someone steal my debit card so I submitted several disputes. Wells fargo approved two of the disputes no problem and issued credits, but denied the other fraud disputes due to the fact that they " came to the conclusion there was no error in the transactions '', however the disputes were all for the same transaction from the same vendor. They approved two of the disputes for smaller dollar amounts the larger disputes they rejected. Now I got a letter stating they will be closing my account on XX/XX/XXXX, I want my money back for the other fraudulent transactions. Below is a list of the disputes, and the results. 

All of these transactions were made at a casino ; I did not authorize these transactions I Want my money back, please help. Wells fargo to date closed in total {$7300.00} XX/XX/XXXX - {$280.00} - closed no credits issued XX/XX/XXXX - {$1300.00} - closed no credits issued XX/XX/XXXX - {$1000.00} - credits were issued same merchant reported same date? 
XX/XX/XXXX - {$500.00} - credits were issued same merchant same date reported? 
XX/XX/XXXX - {$1000.00} - closed no credits issued XX/XX/XXXX - {$3600.00} - closed no credits issued, asked for an explanation none was given. 
XX/XX/XXXX - {$970.00} - closed credits reversed In addition I wells fargo reversed {$870.00} in credits with no explanation please help. In total I am still waiting on over {$8000.00} in credits that they failed to issue nor provide an explanation.
Product: Debt collection

I do not know dates or amounts of the debt they are claiming I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.