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

On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score ''  disclaimer is completely false. 

On XX/XX/18 I contacted XXXX  and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX   instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
Product: Mortgage

I was part of the Wells Fargo suit settlement in connection with enforcement action related to deficient mortgage servicing and foreclosure processes between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Now Wells Fargo has grossly mismanaged my home mortgage account, yet again. I entered into Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. BK Court gave amount I was to pay to Wells Fargo for mortgage, through loan Modification. Every time I went to Wells Fargo Bank to pay the set mortgage amount, they argued with me that that was the wrong amount. My check was already made out for that set amount. I did not find out until yesterday, that they have been unapplying my payments -- XXXX of them and them ONLY applying XXXX of them, eventually, at the higher payment amount. They NEVER honored the payment amount set in the loan modification of XXXX. Interest was taken out on all payments, however, they have now charged my account for {$21000.00} in past due interest, on my XXXX-yr. old loan, making my new payment more than I can afford. They have made excessive demands for additional documents and are only interested in setting this new loan modification up for them to foreclose. I am a senior citizen living on social security and need your help.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX - Inquiry Date : XX/XX/2023
Product: Mortgage

Amerisave Mortgage will not refund my loan fees even after the XXXX XXXX advised that the same would occur if we could not close the transaction. The refi transaction was suspended due to valid, open, credit disputes which were initiated before the application process. 

A few issues : 1. The XXXX XXXXXXXX, XXXX XXXX, lied when he said that the {$500.00} processing fee would be refunded of we could not close. This was not done and he acknowledged in a subsequent email and call that the fee was not refunded as the appraisal was completed, which the appraisal was not completed ( another lie ). 
2. The XXXX XXXXXXXX, after initial credit pull, never advised that pending disputes with the credit reporting agencies would cause the transaction to pause. 
3. The XXXX XXXX and processor coerced me into closing valid disputes with the credit reporting agencies to close the transaction, which I did where I was able to. I regret the same as the disputes were valid and the disputes processed had a positive impact on the credit scores. 
4. The lender, through a revised loan estimate, had me paying just short of {$8000.00} in origination fees and points for a {$170000.00} mortgage. This seems predatory.
Product: Student loan

My student loans were transferred to Nelnet. They only have 3 years of payments counting towards forgiveness ( the current year of forgiveness is showing as XXXX ) but I've been repaying on the loans ( IDR, $ 0 monthly payment ) since XXXX. And was also making monthly payments on them between XXXX and XXXX. The total number of monthly payments should be far more than 3 years ' worth. I'm unable to pull records that far back due to the transfer and the lack of documentation with the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I am filing a complaint against Celin, loan server, XXXX ( Vendor Celink hired to do appraisal and XXXX XXXX the appraisal company preformed the apprisal on my mother 's Reserve Mortgage loan. XXXX XXXX had a Reserves Mortgage with Financial Freedom. ( Bad Review ) She passed away on XX/XX/XXXX, on her birthday at XXXX XXXX. My brother and I are heirs. We have been trying to buy back our mother 's property out of Reserves Mortgage from Celink and the task difficult. Celink has created many hurdles for this NOT to happen. Celink didn't want to have a conversation with me so I hired an attorney XXXX XXXX to represent the family and do probate. The list of problems with Celink is long and this company and their affiliates should be investigated. On XX/XX/XXXX, Celink requested another appraisal on XXXX XXXX Estate this will be the 3 appraisal. The other appraisal had come back too low. XXXX XXXX XXXX comes back at XXXX. {$40000.00} more than the other 2 apprisals ( there range were between XXXX to XXXX ). Then I hired an Apprisal to do an on XX/XX/XXXX, to do an Appraisal on XXXX XXXX XXXX Estate. Estate appraisal comes in at XXXX. much lower. Also, the Appraiser reviewed XXXX XXXX XXXX Apprisial and found inaccuracies in their appraisal and we were advised to Appeal the appraisal. As heirs, we asked for remedy and Celink send an Appraisal Appeal to the attorney. This was around XX/XX/XXXX, then the vendor requested a General Contractor 's  estimate of repairs. Celink had a copy of Estate Apprisal with estimated repairs to the home. However, the vendor wanted a more detailed estimated. The original Contractor who did the estimate was not available so I hired a new Contractor for {$350.00} to do requested estimated because Celink had set a foreclosure for XX/XX/XXXX and time was running out. All repairs cost {$120000.00}. The attorney informed me on XX/XX/XXXX that Celink denied the appeal without an investigation or review into XXXX practices. The family attorney had to file a motion to the court requesting a delay on the foreclose and it was granted. Now we are in process a home of buying a house with much need repairs that is not worth {$360000.00} due to injustice and unfair treatment of Celink, vendor and XXXX  XXXX. Celink wants my mother 's house to make a very big profit at the cost of the consumer. I lived with my to take of her when she would no longer walk. I love the house The house roof is 17 years old and there are water stains throughout the house. ceiling has a whole and all fixtures including the kitchen 30 years old but clean and maintained for years. The house is upside down when it comes to value. Please see Appeal Description, Apprisal from XXXX XXXX, XXXX XXXX Estate appraisal, and general contractor assessment of damage and Celink 's excessive price on the estate ( see hub statements. ( I will mail supporting documents on XX/XX/XXXX ) Also email conversations
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Reporting of Child Support Obligations by Equifax, XXXX, and XXXX To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by Equifax, XXXX, and XXXX. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness.

2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the XXXX XXXX Court of Appeals held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of Equifax, XXXX, and XXXX concerning the reporting of child support obligations.

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Did a dispute on my XXXX and TransUnion through XXXX XXXX and they did not do a full investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been disputing with XXXX, Equifax & XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

Equifax Certified Mail Tracking : XXXX XXXX Certified Mail XXXX : XXXX XXXX Certified Mail Tracking : XXXX My personal information has not been updated upon my request.
Product: Money transfer, virtual currency, or money service

I use Zelle between family members. Usually my husband and sister. On XX/XX/XXXX I received {$80.00} from a complete stranger. There was no reason for this person to send me money. I reported this deposit to Zelle as fraudulent. I assumed ( silly me ) they would take care of this. On XX/XX/XXXX my husband tried to Zelle me an amount for household purchases. It would not go through and my account comes up restricted and I should contact Zelle support. I did so. I was kicked up to level two support and XXXX from Zelle read me a script about how I agreed to Zelle terms of service when I opened my account and that my account was restricted because I " violated '' one of the TOS. XXXX refused to tell me what TOS I had violated, or how I had violated them. She said this is a permanent restriction. I was treated like a criminal! This is absolute nonsense, very discriminatory and unequitable treatment. Please investigate Zelle and other similar companies for these discriminatory and unequitable policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiBank reported a 30 day delinquent payment to the credit reporting agencies on my behalf. This submission came after I spoke with a Citi representative who informed me I was in good standing and up to date on my payments. The reason I contacted Citi in the first place was to ensure I was not delinquent on my payments, since I'm well aware of what delinquent payments can do to a person 's credit score. I had not used this particular credit card in a number of months and wanted to make completely sure I was in good standing. Roughly 10 days later I see that my credit score has fallen 100 points. I immediately started calling each of my credit card providers to see what the issue could be. After speaking to Citi they informed me that I had a 30 day delinquent payment. I did not receive ANY notification from Citi that my payment was late, including in my online portal, via email, via phone etc. again, I had spoken to a Citi representative just a couple of weeks earlier who  assured me my balance wasn't due until the following month 's billing period. When I asked Citi to resolve this they told me to fax a physical letter to the " Citi Credit Bureau Disputes '' team. I have since faxed 4 separate letters and have not heard one response from Citi.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX Dear Sir or Ma'am, I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth Is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX BALANCED {$17000.00} XXXX XXXX XXXX XXXX BALANCED {$13000.00}
Product: Mortgage

Our loan has been paid off to Specialized Loan Servicing, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CO-XXXX Tel : XXXX and my loan account number : XXXX. The principal was paid of on XX/XX/2018 and escrow amount as per statement is {$1800.00} and but they mailed the check of {$1100.00} thereby shorting to the amount of {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.
Product: Credit card

Bought a bunk bed for XXXX of my kids as they have outgrown their XXXX bed. Went to bed bunk & mattress for bunk beds, saw 1 and decided to buy it. owner of the company told me that he's going to deliver the bed and install it at my house on Monday XX/XX/2023. My wife was waiting all day and he ended didn't show. call his store and he keep telling us he will deliver it 3 different times and he didn't deliver it. called my discover credit card and the agent told me to keep trying to get in touch with him for a week to resolve the issues, if i'm still not able to resolve it, i can file a claim. on XX/XX/2023, filed initial claim and told discover card that I didn't receive the bunk bed that i paid for and been calling the owner, no respond and in the end decide to file a claim since i never received the bunk bed. On XX/XX/XXXX i called again and find out the initial claim that the agent have done is not correct, spoke to the 2nd agent about the whole issues again, telling him that i tried working with the store for a week and he didn't want to work with me and told me all sales are final and told me i can't get the money amount of {$430.00} back even though he didn't deliver and install the bed for me. The agent told me that he will make the necessary correction and i even ask him whether should i file a police report and write a statement for my side of the story, he said i didn't need to do that. 

Called for the 3rd time on XX/XX/2023 and this time the agent wants me to get a confession from the store owner stating that the owner didn't want to deliver the item and not refunding me the money. I try to do her way today and stop by the store and spoke to the store owner, he literally laughed at me and told me to get out of his store and threatened to call the cops and put me in jail if i didn't leave the store, since his store is private property. 

Called and spoke to XXXX from dispute department and she keep telling me that there's nothing much that discover dispute department can do even with a police report and office of attorney general formal complaint, Discover card will not refund me the money that i've paid to the store. The only thing she can do is to file a formal complain about how the way i was treated to corporate, i asked her for the corporate email address or phone number so that I can follow and she said that the executive office doesn't have a direct line or email address that i can call or follow up. She told me I'm more than welcome to call back to Discover Customer service at anytime for an update, which i'm sure if i call in in a week, 2 weeks, 3 weeks or in a month, the dispute customer service agent will tell me a white lie saying that there's no update. I've tried everything that I can think of, I followed Discover card dispute agent advise and i end up with getting more unnecessary issues from it. Pease assist me in resolving this issues as i have tried to resolve it with Discover since XXXX, till now the discover claims department would not do anything except to apologize.
Product: Debt collection

To never get a respond back from them. i sent a Debt validation letter to this company, Rent Recovery sol, LLC about a debt Im supposely owed them to never get an answer back from, them or XXXX, XXXX, or XXXX. Please sent me an respond back about this debt.
Product: Checking or savings account

2022 in XXXX someone called posing as a bank of America representative said someone hacked XXXX from me and I needed to get on XXXX and need to transfer it out to recover it called from the number I had stored in my phone so thought was legit. I had called the bank XXXX days before ro tell them I had identity fraud so thought it was about that. Would not recover my money said I allowed it. It is fraud when someone poses as a bank of America rep but would not help me get any money back at all m