23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.
Product: Debt collection

I get called by a different but very similar number at least once a day XXXX days a week. Sometimes they make it a local number but they called me 8 times in less than a week and I have a screenshot to prove it! Ridiculous. I am not entirely sure what the debt is even for ( even though they leave a voice mail XXXX of the time but never say what the debt is for ) I have never answered XXXX  it pops up as spam likely on my phone.
Product: Debt collection

A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.
Product: Debt collection

The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX/XXXX  is incorrectly reporting to Experian that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : 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

Since XXXX of XXXX, Ive made purchases to obtain my credit score from XXXX at a total of {$43.00} to continuously get an error not allowing my to have my scores pulled from all 3 bureaus. Ive called multiple times with extensive lengths of conversations and no resolve. 2 out of 3 reports are showing however 1 report continues to state and error. Ive been referred to the direct bureau ( Equifax ) however they state they cant find an issue and redirect me back to myfico who continues to send me in a round about : XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00}
Product: Checking or savings account

Citizens bank charges {$35.00} per overdraft fee. The biggest issue is that it doesnt allow you to overdraft XXXX amount so that you will have just XXXX fee. Instead it makes you overdraft XXXX which you accumulate so much overdraft fees instead of allowing XXXX payment. The system is designed to take your money. For the past few months Ive paid over {$2000.00} in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Equifax and XXXX  notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. Equifax received the letter on XX/XX/2018 and XXXX  received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 Equifax and XXXX have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.
Product: Debt collection

XXXX XXXX : IQ Data. XXXX XXXX XXXX, XXXX, wa XXXX XXXX XXXX XXXX, Mgr Acct # XXXX Original Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX refused credit and to sign lease based upon insufficient credit. 
roommate signed as leaseholder and I moved into XXXX XXXX per XXXX XXXX policy : in consideration of holding a set of extra keys : signed the lease. 

rent was paid for the 3 months lived there on time and in full. 

XXXX XXXX : notified XXXX XXXX of vacating premises, moved out, returned my set of keys to XXXX XXXX XXXX thus ending my lease commitment, which was based upon the contractual consideration of holding a set of keys, XXXX XXXX : XXXX XXXX XXXX evicted my roommate. they had knowledge I no longer lived on the premises and no longer had keys to the apartment, they therefore knew that an eviction was moot, and also that I could not be served at the address of the apartment I had vacated, facts : my entire income : social security and long term XXXX, are exempt from judgement per California XXXX procedure statutes, ccp 704.130 & ccp 704.080 facts : 1 ) I repeatedly called Iq data AND XXXX XXXX apartments asking for : proof of debt. copies of all documents I had signed, and to give them ALL the facts I report here, XXXX ) XXXX XXXX XXXX, and XXXX him XXXX XXXX XXXX actually hung up on me as did another iqdata rep when I asked for those documents, said they could not and would not provide written proof of debt, and ... during a recorded conversation tried to start stating " facts '' that were simply not true. 

I spoke to XXXX XXXX XXXX, XXXX XXXX XXXX mgr, XXXX, another XXXX, and various others over the space of several months, My calls were returned twice out of those many contacts, I have yet to receive ANY written correspondence or serious attempt in writing to provide the documents I have asked for. 

I am asking for the following resolution : XXXX XXXX IQ Data and XXXX XXXX XXXX will remove any reporting of this debt on my credit reports. 
XXXX ) notify me in writing that this has been done,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX from XXXX XXXX number : XXXX Email : XXXX First Hawaiian Bank Charging me service fee of almost {$6.00} Without letting me know.
Product: Vehicle loan or lease

I purchased my vehicle in XX/XX/2019 with Prestige as the lender. My wife and I were fully taken advantage of as we were in the middle of a bankruptcy and needed a reliable vehicle. I have been making on time payments on this vehicle for almost a year. I have paid in XXXX and only XXXX has been applied towards my principal. That means over 75 % of my payments are being misallocated, and that is an illegal practice. I want my payments to be retroactively and appropriately allocated to where only 19.24 % is allocated to interest and the rest is put towards my principal. I know that what is being done is illegal, and I am looking at my legal options.
Product: Debt collection

Debt collector called me 6 times within one minute. All calls were from the same number at XXXX.
Product: Credit reporting or other personal consumer reports

As Per the FCRA and 15 U.S.C 1681 A-B I am entitled to an Honest and Accurate credit report. For years I have not been able to accomplish this based on Incompetent disputing processes of the credit bureau ( s ). Even when False information is being entered with credentials that don't match my name or social, the inaccuracies and fraudulent accounts have repeatedly been attached to my credit.

Reason : I continue to get generic responses from this company no matter what I send in and no matter how much documentation I provide to support my dispute. So I am going to submit my complaint to the Consumer Financial Protection Bureau. 
I have been attempting to dispute the attached items since XX/XX/XXXX, The Creditors have all failed to respond to direct responses. I have wrote to the bureau and included all original letters to creditors along with a request to remove items based on Failure to respond, which most have failed to respond or remedy for over a year. Many of the items resulted from Caretaker Fraud while I was incapacitated with XXXXXXXX XXXX XXXX XXXX XXXX From a XXXX Accident which has deemed me XXXX since XXXX and Incapacitated From XXXX to XXXX. With a Subpoena there are boxes of Health and Court Records which are able to prove this.

I am submitting this complaint to the CFPB as my Final attempt to have the Items corrected. I am also going to attach any and all documents to support my disputes, all documentation to support my identity and all documents to show my next steps in the event that these items are not resolved. I will have no choice other than to Sue the Creditors reporting the erroneous information on my credit.

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I can tell by the duplicated notifications and notifications of things I did not dispute and NO NOTIFICATION or response to the things I ACTUALLY dispute. I can tell that the Disputes I am sending are not being processed by a Human or Actual Person. I can tell that there's no correspondence to the Creditors, Just proof year after year that the Credit Bureaus are self-deciding or utilizing software and non-intelligent means Ive submitted Factual Documents Numerous Times as well as disputed Items that dont belong to me. The Bureaus have repeatedly failed to correct the errors and made a mess of my credit report giving me further issues and dispute comments on accounts I do not have issues with or errors on.

Please see the attached disputes and supporting docs which were sent for correction ( s ) The Assistance of the CFPB is Greatly Appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department, providing all necessary details.

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty. 

The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and financial impact caused by the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am getting charged doble the price of the vehicle value. The original price the dealership stated was XXXX. I dont understand why Im being charged in the amount XXXX. To top it off the dealership never stated the water damage and issues the car has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence.

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called XXXX  XXXX XXXX about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and zeroed out the account. Now months later I am trying to open another bank account, and they have reported false information to EWS. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and EWS and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, I noticed incorrect accounts on my credit report today, and I have no clue where they came from. My usual check revealed these discrepancies that simply weren't there before. I even refreshed my browser a few times, hoping it was a technical error, but unfortunately, the incorrect information remained. This has left me very uneasy, and I am requesting a detailed review of my documents to prevent this from ever occurring again.
Product: Credit reporting or other personal consumer reports

I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first XXXX I'm currently XXXX XXXXt. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my credit.
Product: Credit card or prepaid card

I have a Citi Cards AAdvantage XXXX XXXX Mastercard. I had the card hooked up to XXXX. Without any notice CITI started charging fee 's on XXXX transactions as though they were cash advances. They are not cash advances. I am paying for a service. When I called Citi they said it is a Mastercard ruling and refused to help. They gave me no notice of this change and made no offer to reverse the exorbitant fee 's and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed 4 inquiries on my credit file with Equifax that seems to be fraud and I never received an update or any status on this dispute.
Product: Mortgage

I had an appointment with Wells Fargo mortgage on Saturday XX/XX/2017 and that lady from mortgage she did n't knowledge me, she treated the people that I was and her desk good and another person was waiting in the lobby and when it was my turn she did emphasize with me. I explain everything what is going now with my mortgage and she did n't encourage me to get a loan and she said is going to send me referrals for real state that day she even send those referrals. She saw I was XXXX and that 's way she treated me like that. I feel descriminated.
Product: Debt collection

I agreed to pay a settlement amount of XXXX and MIDLAND CREDIT MANAGEMENT charged me XXXX for the same payment, which was XXXX XXXX times.
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 violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 1 : XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 & 4 : XXXX XXXX 5 : XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I requested to cash out my rewards as a direct deposit to my bank checking account. They confirmed my request with the following email : XXXX, XXXX XXXX Account XXXX in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 

Redemption Date : XX/XX/XXXX Redemption Amount : {$1000.00} Thanks for being a cardholder! 
Visit Account Center About this Activity We sent this message to confirm your direct deposit redemption. 

Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our XXXX XXXX team is here to help, too. Just call us at XXXX ( XXXX ). 

Copyright XXXX Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
XXXX XXXX XXXX XXXX XXXX Credit Card Accounts are issued by Comenity Capital Bank. XXXX is issued pursuant to a license from XXXX XXXX XXXX Visa is a registered trademark XXXX XXXX XXXX XXXX XXXX and used under license. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | XXXX I called their customer service in XXXX as I had not received my deposit and was informed that though it had been more than 30 days the deposit takes up to 45 days. The customer service representative did contact her supervisor and turned my issue over to the supervisor. 

On XX/XX/XXXX I again contacted customer serrvice as I was now over 60 days out from the notice of the direct deposit. I spoke to XXXX who gave me a number as reference of XXXX. I asked if I could speak to a supervisor and he said no as they already were taking care of my issue from my first call to customer service. 

I would like the direct deposit to occur immediately as I am now over XXXX months out. I did tell XXXX that I would not use the credit card at all until the deposit is made.
Product: Checking or savings account

On XX/XX/XXXX someone changed our email address linked to our chase account. I didnt do this nor did my husband. I called chase right away and told them we didnt do this. The woman I spoke with changed the email back to mine and assured me everything would be fine but keep an eye on the account just in case. Later that night there was a card replacement charge on my account for {$5.00}. I didnt notice this fee until XX/XX/XXXX. Someone withdrew {$1500.00}, {$1400.00} from our checking account and {$1000.00} from our savings from an atm in XXXX XXXX. We reside in XXXX XXXX, XXXX. We have not been to XXXX XXXX in over 20 years. I called chase the moment I saw this and started a claim. It is now XX/XX/XXXX, over a month later and we still do not have our money. They did give us back the {$1000.00} to our savings. They refunded us the {$1500.00} and {$1400.00} but then took it away again just 2 days ago, saying our claim was denied. We keep getting told the same thing. That it was our card used with the chip in XXXX XXXX. I sent them documentation from my work that I was in fact in XXXX XXXX, XXXX at the time this occurred. I just dont know what to do at this point.