23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Mr. Cooper effective XX/XX/XXXX. 

Under my previous lender, I was in Covid forbearance and submitted 3 trial payments before the transfer. Because the transfer occurred after the 3 trial payments were submitted and before a loan modification/solution was initiated, Mr. Cooper inherited the responsibility of providing a loan solution. 

I've called several times since XX/XX/XXXX until a call XX/XX/XXXX an associate stated Mr Cooper 's systems are finally updated and they are able to view my loan details and status.I asked about my loan solution status during the XX/XX/XXXX phone call and Mr. Cooper ensured they were working on it. 

Around 10 days later, I checked my Mr. Cooper account dashboard and it stated a solution is approved and it will generally take 3-10 business days to receive the documents. 

I'll called several more times and received the same response until a phone call on XX/XX/XXXX ( approximately a month after approval ), I asked for an inquiry on the status of the loan solution because the documentation process was taking too long. I was told I should receive an answer to the inquiry within 5 days. 

I called again on XX/XX/XXXX ; given the holidays, I thought this was ample time ( nine working days ) to receive an answer to the inquiry. I was told the inquiry wasn't submitted until XX/XX/XXXX and to wait another 5 business days for an answer. 

I called again on XX/XX/XXXX, XXXX, XXXX, and XXXX and there hasn't been any change in status or answer provided to my inquiry. 

My primary concern is that mortgage rates are steadily increasing ( over 0.75 % ) and if it's possible Mr. Cooper 's loan solution department is purposefully extending the process to significantly affect the loan solution and/or refinancing. 

This is also affecting my loan options that are dependent on loan solution documentation.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX Subject : Dispute and Request for Removal of Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute several inaccurate credit inquiries listed on my credit report as provided by XXXX, Transunion, and XXXX. Upon review of the report, I have identified multiple errors in the reporting of these inquiries, which appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
The following inquiries are in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple entries from XX/XX/XXXXXXXX XXXX XXXX  Errors Identified : XXXX. Duplicate Hard Inquiries : Several creditors, includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX, are listed multiple times on the same day or within a short timeframe. This duplication creates an inaccurate portrayal of my credit-seeking behavior and violates Metro 2 reporting standards for data accuracy. 
XXXX. Lack of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), hard inquiries must have a permissible purpose. I did not authorize multiple inquiries from the same creditors, nor was I informed of these inquiries in a manner that aligns with the law. 
XXXX. Unauthorized Inquiries : Some inquiries, such as those by XXXX and its related entities, were not explicitly authorized by me. These inquiries appear to have no legitimate purpose and should be removed immediately. 
XXXX. Misclassification of Inquiries : If any of these inquiries were soft inquiries or conducted for pre-qualification purposes, they are incorrectly classified as hard inquiries, further damaging my credit report unfairly. 
Request for Action : I kindly request that TransUnion, XXXX, and XXXX : XXXX. Investigate each of the above-listed inquiries to verify their accuracy and compliance with the FCRA and Metro 2 guidelines. 
XXXX. Remove any duplicate, unauthorized, or misclassified inquiries from my credit report. 
XXXX. Provide me with a written confirmation of the outcome of this dispute within 30 days, as required under the FCRA. 
XXXX. Remove address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

Enclosed, please find a copy of my credit report highlighting the disputed inquiries, along with a copy of my ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. If you require additional information or documentation, please do not hesitate to contact me at ( Your Phone Number ) or ( Your Email Address ). 
Sincerely, Look forward to your timely resolution.
Product: Credit card or prepaid card

Signed up for Wells Fargo Visa Card branded with XXXX in early XX/XX/2022 in response to advertisement ( see link below ) offering 3 free hotel nights for spending over {$4000.00} on the card in the first 3 months of card opening. Spent over {$6000.00} in the first two months the card was open, but was only credited with one free night. Six calls/online chat exchanges with Wells Fargo resulted in them denying me the promotion and saying I was ineligible. 

This is dishonest and possibly fraudulent. I would hope Wells Fargo had changed their business practices but apparently they haven't. 

XXXX XXXX XXXXXXXX
Product: Mortgage

PRIOR TO WRONGFUL FORCLOSURE WAS WORKING WITH HUD AS REFERRING. ONCE PRIMARY BORROWER PASSED IMMEDIATE DENIAL FOR HARDSHIP & WAS FORCE TO VACATE PRIMARY HOME. THE LENDER HAS YET TO ASSIT WITH COMPLETE UNDERSTAING OF PROFIT AND LOSS. CO BORROWER MYSELF WAS AWARDED XXXX SSI SINCE XX/XX/2006. PRIOR TO INSURED BORROWER PASSING FOR WRONGFUL DEATH. LIVING ADDRESS WAS NOT A BUSINESS. INCOME WAS EXEMPT FOR BOTH
Product: Credit reporting or other personal consumer reports

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me
Product: Debt collection

I have filed a previous complaint against Capitol One Bank for garnishing wages for an account they deemed was fraudulent. Capital One garnished a wage total of {$4600.00} from my work check bi-weekly. The previous complain I filed with your agency was for {$3000.00}. They sent me a check I received on XXXX/XXXX/2016 for that amount. I disputed this amount on XXXX XXXX, 2016 for the amount I am entitled too. Total reimbursement is only the acceptable resolution. Note I also had missed worked for meetings with the commissioner they summons me for, certified mail reimbursement, fuel, lost wages, time in proving this fraud case. In the dispute thru your agency. I need {$5000.00} to make this right. I could get more but this would suffice and is, m ore then reasonable. Please refer to the documents I attached to thee dispute. The CFPB # XXXX. I am attaching the check I received as proof that I was not reimbursed rightfully. I will be expecting a check within the 7 business days. As of now I am not charging interest but if this is not resolved quickly I will have to start.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, TRANSUNION, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act displaying the address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase on m y Chase  credit card. They said they would need to run my cred it ( har d inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  X/X/2017    and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted   XXXX   disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times Chase with no answer. In summary, Chase performed an explicitly unauthorized access to my  credit score , violating my rights, and perhaps violating the law, and they are not doing anything to fix it.   XXXX    denied without major reasons my request to fix this, in spite of the supposedly communication sent by Chase reporting the inquiry as erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

TITAN REVENUE IS MISTAKENLY REPORTING TO MY CREDIT. PLEASE SEE RECEIPT OF MY RETURNED EQUIPMENT FROM THE ORIGINAL CREDITOR " XXXX XXXX XXXXXXXX XXXX ''. PLEASE DELETE.
Product: Credit reporting or other personal consumer reports

The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, XXXX and Equifax accounts.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously complained to Equifax, on XX/XX/2019, about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. Equifax refused to remove it by simply ignoring my letter of complaint. 
FIRST COMPLAINT to CFPB ... ( Equifax took 58 days to respond. ) On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX   XXXX had been DELETED ... ..Equifax LIED XXXX .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address WAS STILL ON MY CREDIT REPORT. 
SECOND COMPLAINT to CFPB ... ( Equifax took 55 days to respond. ) On XX/XX/2019, I once again filed a complaint with the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX STILL appearing on my credit report. On XXXX XXXX, 2019, Equifax responded by once again stating that the disputed address of XXXX XXXX XXXX had been deleted. Equifax also stated that If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy. 
This is my THIRD complaint to CFPB about this issue with Equifax. 
Equifax has once again LIED as I have never received a revised copy of my Equifax Credit Report and it has already been 10 days since they said they mailed one. Without a copy of the revised credit report, I have no way of knowing if the fraudulent/erroneous address of XXXX XXXX XXXX has actually been deleted or not. 
Equifax is in serious need of government regulation as they repeated lie and repeatedly, and unnecessarily, delay their responses until their 60 day deadline has nearly expired. This particular complaint has been continuing since my first letter of complaint on XX/XX/2019 ... almost 6 months!!
Product: Mortgage

XXXX  months ago approved for loan mod with Mr. Cooper. However, they added my ex wife as a borrower and she never was on the mortgage. Now, ive sent divorce paperwork, the quit claim deed numerous times at their request, but they still insist she sign a mortage she never was on.
Product: Mortgage

Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.
Product: Debt collection

I have sent number of letters to Target card Services Disputing the account under my name. i asked them to verify the debt by providing me the account opening documents and asked that my credit reporting should be indicating the dispute status from the 30 day period of received mailer. i have only received irrelevant mailers and nothing verifies this is my account according to the fait debt collection practices act including but not limited to section 807-8 and i indicated that the notices that i have send are of same effect as a dispute to the validity of the alleged debt and the a dispute to the validity of their claim purposes of 15 USC 1692 et seq.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written numerous time to Equifax about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. Equifax has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXXXX/XX/XXXX we noticed a {$12.00} fee on our premier money market account. The fee was charged because our account balance fell below the thresshold for no fee. 
The complaint is that the fee more than wipes out all interest earned from XXXX. We have effectively lost money due to high fees as a result of maintaining the proper balance for XXXX of the past XXXX  months. Due to financial hardship we've had to spend down this account. And at no time did we receive a notice, reminder, or warning that a fee would be imposed the following month, and that fee would not only wipe out all interest earned, we would lose money. 
Had we received this type of notice, we would have simply closed the account immediately.
Product: Money transfer, virtual currency, or money service

I endorsed an insurance claim settlement check and sent it to my mortgage holder. I completed 50 % of the repairs and this was confirmed by the mortgage holders home inspector on XX/XX/18. According to the mortgage holders ' procedures, they will then release at least {$40000.00}. I submitted all documentation requested on more than one occasion. The bank insists that I send them a signed contract with my general contractor. I have informed the bank that I have not yet hired a contractor for the kitchen repair. I have signed a contract with a window replacement company and have submitted a copy of that contract to the bank. I have and I am doing most of the work myself and only going to use a general contractor for the largest part of the job which is the kitchen construction work. I am using the " savings '' of self repair to re-build with upgraded materials which improves the value to the property. I need my first insurance proceeds draw NOW!
Product: Credit reporting 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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.