23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a case of deception, fraud, and misdirection with an XXXX ( stream line loan adjustment ) attempted with QuickenLoans. {$400.00} dollars were taken from me under the guise of a home appraisal, ( that may not have even been required ) and then applied it as Good Faith Deposit which I was never told was required. It was n't until after they had taken my money that they emailed me ( to sign ), a Good Faith Estimate indicating the {$400.00} as a deposit. This good faith estimate then changed XXXX more times before I could stop the process. In the latest GFE, they list not only the {$400.00} dollars as a good faith deposit, but {$500.00} dollars for the home appraisal. There are other factors of fraud which I will attach separately such as misleading interest rates, intentionally underestimating tax and insurance numbers, but the bottom line is this is a company in the practice of predatory and fraudulent loan activities. As such I want my {$400.00} refunded and Quicken Loans has stonewalled me at every turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher is currently reporting to all three bureaus about an account that I supposedly have with XXXX XXXX. I have sent multiple letters and contacted Amsher via phone and by email with XXXX XXXX XXXX and have been ignored by mail and told via email and phone ( as recent as of a hour ago ) that they do not have an account in their system under my name, social or DOB. I then asked, relieved to finally receive someone on the phone, who should I talk to because they are reporting that they do have the account to the bureaus. I was rudely told, we will do it eventually, have a great day and then hung up on. I am not sure when " eventually '' will be as I have stated I have reached out multiple times since this account was first sent to Amsher. I received a letter initially about the account which is when the communication started. This was earlier this year. I was told it would take 30 days for it to be " handled '' after a hour phone call while the rep researched for the account. I have disputed with the bureaus who told me they reached out Amsher and have not received a response, I have disputed with Amsher myself and not received a response. I have the email ( which I will attach ) from XXXX XXXX who state he could not see the account ( this was back in XX/XX/2022 ) who stated he couldnt see an account under my information. I then sent another letter as I like to have a paper trail and didnt hear back. I called again tonight and was just told again that they do not have an account and thats when I was rudely told it would be handled eventually. If you dont have my account all I am asking is for this to be deleted from all three bureaus. This is false reporting and its causing a negative effect to my report and livelihood. I am being denied products and paying higher deposits on items due to this reporting falsely.
Product: Checking or savings account

I have a merchant services account for my Wells Fargo small business account where I use to electronically send invoices and receive electronic compensation via there platform. This service was cancelled last month because they are unethical and could not keep there word In regards to percentages. Every month numbers would change even though it was the same people paying me. This month nobody paid me electronically and they are not owed from previous batches they received full compensation. They help there self in my account this morning and cause me to go negative lol and have no right charging me anything no electronic payment was processed since I last paid them out ontop of this the merchant account is closed!!!! Due to my other complaint that was never resolved I even closed my personal account. Wells Fargo was once a ethical company the fees are ridiculous for my other complaint I had a rude ghetto immature girl from there executive office handle my cfpb complaint and it got no where. At this point it may even be in my best interest to let my retained attorney for my cleaning business to look at the previous merchant fees statements. Wells Fargo Im done with you. I just realized this whole time on different occasions they were taking more then they were supposed to which Im sure in XXXX way or the other breaks some type of law Im not an attorney. Now this month after even I closed my merchant account they continued to take money. No matter the result I am closing my Wells Fargo account I feel my time here with them is at an end. Treat me like dog XXXX no thanks.
Product: Checking or savings account

My account was compromised and funds where taking from my account fraudulently XX/XX/XXXX exceeding {$2000.00}. I reported to the bank and also made a police report. I have followed up with the bank on numerous occasions XX/XX/XXXX, XX/XX/XXXX ,XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX have not received any head way on the investigation. Also I returned all signed documents they sent me on XX/XX/XXXX via email & post office they cant even tell me if they have received it back. 
Next I have a transaction return of {$310.00} returned to my account on XXXX I dont see it in my statements nor does it reflect in my balance but when I called they said they can assure me its there. I added my total and the balance seems to reflect that it has not yet posted. 
They also mentioned that credits do not reflect in transaction history but this is also false because I have past transactions that have reflected a return amount. 
Im in desperate need of help I feel like Im dealing with a fraudulent institution
Product: Mortgage

I am the owner of a home and have been in a Lease / Purchase agreement with the renters for two years. By the end of the two year contract, they were to obtain financing and purchase the home or move out if they could n't. They found an online mortgage company, Nations Lending Corporation XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, that they obtained financing with. Nations Lending requested that I give the renters an extension to our contract so that they would have time to complete all the necessary requirments for a VA loan. I agreed to this and had an addemdum drawn up and gave them a 3 month extension. At the end of the 3 months, the mortgage company still not have everything completed and asked for another 2 days. The Title Company, XXXX XXXX XXXX XXXX, XXXX, XXXX, sent a " Closer '' to the Buyer 's house to notarize the closing documents. She showed up 3 hours later than the agreed time of closing ... which was after the bank and courthouse had already closed. During closing, I find out that the Buyers have a loan for {$16000.00} over the sales price. I am asked to sign a XXXX showing that I am to receive proceeds from the sale. I was asked by Nations Lending to not mention to the Closing Agent that I was n't really getting the proceeds from this sale and once the documents were signed, to write a check back to the Buyers for the amount I was receiving. It was wrong of them to ask this of me and a very underhanded thing to do. ( I will have to pay taxes on these proceeds that I knew nothing about!! ) It was our agreement that I sale them the house for the payoff amount. I made nothing off of this sale. It has been four days since we closed and my mortgage still has not been paid off and the deed still has not been recorded. It is the law in the state of XXXX to record on the day of closing for a sale of property. Nothing this bank has done has been legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my partner and I submitted a pre-qualification construction loan application for a house we were auctioning for. Later that day, the loan originator sent us another link to start a pre-qualification process. This created two loan applications. 

The loan originator said he had canceled the first application, but the bank nonetheless made two hard inquiries on our credit reports, one on XX/XX/2022, and another one on XX/XX/2022. 

On XX/XX/2022, we followed up with the loan originator, and asked him about this, since we never authorized two hard inquiries. We again followed up on XX/XX/2022, when he said he had sent this to upper management. 

We again followed up on XX/XX/2022. On XX/XX/2022, he just responded that he had " sent this on a while ago. '' On XX/XX/XXXX, he said he would send it to their credit agency representative to ask for removal. 

On XX/XX/XXXX, we called the three major credit agencies, and only XXXX took it off the credit report. However, XXXX and XXXX required a letter from NBT Bank specifically requesting the removal. We sent him that via email, and we tried calling the bank several times but we could not get ahold of someone that would talk to us about it. They only took our information and never called back. The loan originator never responded to our email. 

So now we have an additional credit inquiry that shouldn't be there and a bank that won't help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX received and processed my payment. They misapplied it to my XXXX statement. On XX/XX/XXXX they reported me 30 days late to the credit bureau. Not only was is not late, the account was put into bankruptcy in XXXX and should not be reporting to the credit bureaus, as all payments are voluntary. On XX/XX/XXXX they put the XXXX payment back to where it belonged, bringing the account current- but the damage had been done to my credit. 

I called XXXX in XXXX when I saw misapplied reversal on my statement- they told me it had been handled. Clearly it had not. XXXX is now telling me I should dispute this with the bureaus. They are clearly in the wrong. They have misreported my payments, reported an account in bankruptcy, and caused my cresit score to drop significantly.
Product: Credit reporting or other personal consumer reports

In XXXX we fell behind due to a pandemic. We have been struggling since and thankfully we received money from the state and this is where the communication has begun to struggle. I do not see where the state money was posted. We have always been transparent with XXXX and it has always been a struggle to communicate with them. Since XXXX XXXX XXXX it has worsened and they have quietly reallocated funds within our accounts as well as destroyed my wife 's credit without any communication, or trying to come up with a resolution to work together so we can make payments. Although no one has attempted to work with us we kept seeking help from anywhere we can to help us come up with a solution to our situation. We spoke to a HUD housing counselor to try to get this resolve so we can modify the mortgage due to the high interest rate. XXXX would take a long time to get back to the HUD counselor but would not talk to us. At the end XXXX stopped contacting the HUD counselor although we provided all documents requested of us and denied us. We were told that when we are behind we lose certain privileges and can not see updates to our mortgage account online. Wow so we are paying and cross our fingers they are allocating the funds correctly. My wife even tried to dispute the wrong credit reporting and they attached all the documents as if we are delinquent and no payment has been made. We need help to get to the bottom line and see how we can resolve this. My wife can lose her job if XXXX continues to destroy her credit and we have spoken to XXXX about this. No one returns our calls and no one has responded to my certified letter with documents attached requesting to please clarify all this for us.
Product: Mortgage

I requested the covid assistance for my loan. I was advised that I was approved for a 6 month forbearance. on XX/XX/XXXX or XX/XX/XXXX I called to go over my options and I was give 3 choices by the mortgage rep. 1 Modification 2. repayment 3. partial claim to be added toi the back of my loan, I chose Option # 3 Partial claim to be added to the back of the loan. I was told I was approved for the partial claim. I was also asked to verify names for the Notarization of the documents and that I was going to receive the package within 10 days. Yesterday XX/XX/XXXX Freedom Mortgage called my Son and told him that they had send out a modification package and that our new interest rate was 7 1/2. My Son called me and advised I then called the lender back and advised that I never accepted the modification that I was offered the Partial claim and I was told we were approved. The representative was rude and Advised we can sell the home if we can not accept the modification. I demand the Office of the president to review my file and give me an explanation of why we were offered and was told were approved for a partial claim. I have never and will not be able to afford a payment with interest rate of 7 1/2 if I cant even pay my payment now. I demand a call ASAP!! XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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.
Product: Credit reporting or other personal consumer reports

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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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.

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 U
SC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im had gap insurance and when the car was stolen everything was covered n there I need help I work a part time job and they are garnishing my paycheck I dont make much please help me
Product: Credit reporting

According to Experian report number XXXX investigated and verified. However Experian never investigated and fraud Account Name : XXXX Complaint : 1st Delinquent date has been passed 7 Years Experian have never provided result of XXXX XXXX dispute which was reporting after nine years. 
a. Evidence Attached Experian violated FCRA according to XXXX response on CFPB XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Attached response and direct from creditor XXXX a. Attached Investigation result and XXXX response CFPB Case number : XXXX XXXX contact # XXXX XXXX Contact Name XXXX XXXX XXXX written response attached and also attached with CFPB case # XXXX In addition to attached XXXX XXXX IL foreclosure notice from XXXX XXXX I did not make any payment to my house since XXXX XXXX due to loss of business income and medical health issue Experian in violation -Evidence attached with CFPB case # XXXX
Product: Debt collection

Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX   XXXX   XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. 

We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. 

Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general XXXX at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, XXXX and Equifax directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Credit reporting or other personal consumer reports

I just got an alert from XXXX XXXX about a new credit inquiry on my XXXX report, which is always frozen. This fraudulent entity which I do not know, and already XXXX it to send a complaint from their website. The fact was immediately notified to XXXX, and will pursue a court case for identity theft, if they do not remove the inquiry.
Product: Credit reporting or other personal consumer reports

Somehow my dad 's personal and credit information was added to my credit report profile. His date of birth and last four was added to my report with my name. Several lines of credit was added to my credit report ; some of it derogatory with open dates much older than me. Also, my entire name became his middle name on his report. They managed to correct his date of birth and social, but not my report. 

I have only one line of credit open ; XXXX XXXX. ALL other credit is his NOT mine. It is effecting my ability to get credit, my own apartment, and employment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Dispute : The following incorrect personal information must be deleted immediately as it is unverified and inaccurate : - Incorrect Previous Address : XXXX XXXX XXXX, XXXX, MA XXXX - Current Address : XXXX XXXX XXXX, XXXX XXXX, CT XXXX - Incorrect Name : XXXX XXXX XXXX - Incorrect Previous Address : XXXX XXXX XXXX, XXXX, MA XXXX - Incorrect Employers : XXXX XXXXXXXX XXXX CA, XXXX XXXX AdditiXXXX XXXX XXXX XXXXIncorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CT XXXX - This address is invalid, not associated with me, and I have never resided there. Despite previous requests for removal, this non-deliverable address remains on my file, potentially jeopardizing my identity security. I demand immediate deletion. 

Account Disputes : I am disputing the following accounts due to inaccurate or unverified reporting. Provide documented evidence substantiating these accounts, or remove them entirely XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX Collection Dispute : The following collection entry is disputed. If verification can not be provided, it must be deleted from my report : XXXX XXXX XXXX XXXX  Account No. XXXX Inquiry Disputes : I am challenging the following unauthorized inquiries and demand their removal if they can not be substantiated by consent documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple )
Product: Mortgage

I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.