23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been making attempts in getting needed documents for personal reasons on several occasions with Loan Depot. This all started approximately end of XX/XX/XXXX and has been going on for the entire month of XX/XX/XXXX. I have been misinformed and lied to by several customer service representatives and Senior Managers in the resolution department one of which was named XXXX who was extremely rude. I have been hung up on numerous times. On XX/XX/XXXX I put The request in for what they refer to as a free form letter confirming information about my mortgage. I followed up daily with loan depot knowing their history was not strong and was told daily from XX/XX/XXXX through XX/XX/XXXX that the letter was being done and needed to be processed. On XX/XX/XXXX I followed up to check its whereabouts and was told give it another day. I didnt receive anything the following day XX/XX/XXXX and reached back out. When I reached back out I was told it was mailed to me. I then called later that afternoon to request it to be faxed and spoke again to XXXX in the resolution department who was extremely rude and was told the letter did not exist. What she told me contradicts what every other representative told me. She then told me there is nothing to talk about, Im not going there she then against my will transferred me to another department. Loan Depot as a whole has failed to produce all requested documents. Their customer service has been awful and less than satisfactory, they have also falsely reported to credit agencies in the past on my behalf which I had to fight to get resolved. I am looking for assistance in obtaining the necessary documentation I need to move forward with accounts I have with other companies. The information I am requesting they will confirm via phone but are refusing to give supporting documents. Any help is appreciated.
Product: Credit card or prepaid card

Citicard added a user to my account without consent or collecting that person 's personal information, then sent them a new credit card in my name to activate and use. The person let me know before activating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act FCRA, these accounts listed below are violating my federally protected rights to privacy and confidentiality. 

XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX The banking system is very dependent upon fair and accurate credit reporting. Any inaccurate credit reports directly impair the efficiency of the banking system and undermine the public confidence of this very same banking system. 
I sent out letter to the credit bureaus on XX/XX/2022 disputing these accounts, requesting them to be REMOVE from my credit file. Pursuant to 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER; ( 1 ) In response to a court written order, having jurisdiction to issue such order ; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give the bureaus any oral or written instructions to furnish any consumer report on my behalf.

The credit bureaus wrote me be stating that the information was verified. But how can it be verified when they did not follow proper procedure according to the law? They did not provide me with what reasonable procedures they used to verify these accounts. 15 U.S CODE 1681e ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT. ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum accuracy. It's very clear the credit bureaus are using my private information at my expense by damaging my consumer credit report and credit worthiness for their own financial gains with the data furnishers who they have special business interests with and neglecting I, the consumer who they are lawfully obligated to deal with in a manner that is fair and equitable.

I, hereby demand the removal of the previously mentioned accounts from my consumer report effective IMMEDIATELY. and a { XXXX } fine for every violation of unauthorized information on my report since I first contacted the bureaus on XX/XX/2022 pursuant to U.S.C 1681n- Civil liability for willful noncompliance ). The credit bureaus continue to damage my CREDIT WORTHINESS AND MY REPUTATION.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything on my account is not me. The representatives on the phone will not speak to me because I can't answer the security questions because they are related to me, they are related to the accounts I need to dispute. There was a loan in XXXX ( I was XXXX years old ) and credit card through XXXX XXXX in XXXX that is still being paid but not by me. There was another loan for $ 700+ in XXXX in which I was still in school. A security question asked where XXXX XXXX lived. I could not answer because I don't know who it is nor do I know why it is a security question. This is fraud and trans Union needs to do a better job at fixing this.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account on my consumer report that is in relation to a voided contract. A contract between myself and XXXX XXXX XXXX XXXX has been rescinded and no longer exists. Once a contract has been rescinded, the contract and contractual obligations no longer exist. The contract has been voided for over a year and Equifax continues to report the account on my consumer report which is a major violation. This inaccurate reporting goes to prove that Equifax has not investigated or verified any of the information it has been furnished and is furnishing to others that greatly affect my financial health status.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a qualifying large-deposit local check at a branch A.T.M. of Fifth Third Bank. The Bank placed a hold on the deposit without providing the disclosures required by 12 C.F.R. 229.16 and 12 C.F.R. 229.15. Any general disclosures the Bank may have posted near the A.T.M. were not clear, conspicuous, or specific enough to notify me that the Bank would place a lengthy hold on the deposited funds. On XX/XX/XXXX, I contacted the Bank to inquire why they reversed an A.C.H. debit transaction. The Bank informed me that the funds were still placed on hold. I requested a written copy of the Banks complete funds availability policy, but the Bank declined to provide me with this information in writing.
Product: Money transfer, virtual currency, or money service

I have personally been affected by zelles inadequate handling of disputes. in XXXX of XXXX i filed a complaint with the company regarding an unauthorized transaction and it was never resolved, despite using Zelle many times and reporting the issues my financial institution and Zelle have failed to investigate the claims correctly and adequately. They informed me that getting my money back was impossible and tracking the transactions was also impossible. The CFPBs findings indicate that Zelle not only has neglected to protect its customers, but allowed repeated offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named Current responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on XXXX. The company named Current spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the XXXX and disputed it. It was appalling to see that XXXX wrongfully said that the fraudulent information on my credit report as reported by Current was accurate. I complained to XXXX on Live Chat and they said to re-dispute. What Current did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. Current said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and XXXX has not honored my credit freeze and security alert. THIS WAS WRONG FOR XXXX TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by Current without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. XXXX knew better but decided to do wrong also. Please correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. Transunion, XXXX and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage has not provided any reason to why an California All Purpose Document why it was sign by a notary that states I personally appeared and as self but a Notary sign my signature. Wells Fargo Home Mortgage has not explained to why the document was sign by a notary but Wells Fargo Home Mortgage has not explained to why they state that's my signature when in fact it is not my signature nor was anything give to me prior to the Document being the all purpose that stated anything about power of attorney or corrections. There was nothing that has any other document that I gave any notary or wells fargo home mortgage permission to make any consent to a such document to make the instrument a legal binding agreement.

wells fargo home mortgage has not or want justify my signature and why some one forged my signature. Wells fargo mortgage has yet to get any document company to certify that it is or not my signature legally. its been nothing but fraud committed by wells fargo home mortgage.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370000.00}
Product: Money transfer, virtual currency, or money service

I had my account deactivated by Square on XX/XX/2024 and would told the funds would be held until XX/XX/2024. After this period passed, I asked about when my funds would to transferred and received an automated email saying the process would be initiated in 1 business day. The process has not been started and when I look at my account, it still shows a pending status, implying Square is holding my money without cause.
Product: Mortgage

I tried to set up monthly auto pay for my mortgage through their website. There website was very confusing and I set up what I thought was 4 payments to pay XXXX, XXXX, XXXX and XX/XX/2020. My bank contacted me in XX/XX/2020 and said 4 Payments were trying to come out of my bank account on XX/XX/2020. I didn't have enough money in my account to cover 4 payments at once. I contacted Dovenmuehle mortgage and explained that I must have made a mistake when I set up the 4 payments. I spent over 1 hour on the phone with them and they told me the only solution was for them to return all 4 payments to my bank account. They instructed me to make 2 payments in XX/XX/2020. I was leary about having no payment for XX/XX/2020 ( because they returned it to me XXXX but they assured me that I didn't need to make a payment until XX/XX/2020. 
In XX/XX/2020 I received a credit report alert stating that I had missed my XX/XX/2020 mortgage payment. I immediately called Dovenmuehle Mortgage and explained that they had reported a missed payment and what had happened in XX/XX/2020 and the lady told me she would take care of it but that it may take awhile due to staff shortages due to XXXX XXXX. 
I have called them several times and I get disconnected after spending a lot of time on the phone. I have emailed them and they have not resolved this issue. Today I was on the phone with XXXX with Dovenmuehle mortgage and she was arguing with me before she even knew what my issue was. After being on the phone with her for a long time I once again was disconnected. I called back and was placed on hold for so long I hung up.
Product: Debt collection

I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account. 

When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.
Product: Credit card or prepaid card

In XX/XX/2020 I was offered to be placed on a payment plan for my Gold and XXXX  AMEX card which I accepted. I made payments on both cards to start the plan as required. Prior to the next months due date I called to update my payment information as my debit card had to be replaced. I was informed by the agent that my payment information was updated. When I noticed that no payments were processed after the first payment I called to inquire and was told that the plan was instead cancelled, which I did not authorize. My credit report then showed I had 30 and 60 days delinquencies all due to AMEXs decision to cancel my established payment plan without my knowledge. 

I spent weeks calling to get the late payments taken off my credit report only to be told they were researching the issue, but that they would call me back the next day. Of course, I never received any follow up calls. I finally was contacted by the AMEX Executive Office, who after multiple weeks of researching what happened assured me that my credit report would be updated and the late payments removed. Two months later nothing has changed.

Ive actually received emails that are offering me payment plans for cards that aren't even mine, which goes to show how disorganized AMEX apparently is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressing Equifax 's lack of ethical practices. For at least 2 years I have been attempting to log into my credit report account. I made a complaint here on CFPB on XX/XX/XXXX, wherein after back and forth Equifax stated that it had solved my login issue. As of today, after two additional attempts on XX/XX/XXXX, and XXXX, I have continued to get the attached error messages with regard to access to my credit report. I did request a new report by phone in XXXX, of which I never received. I sent a letter asking that " hard inquiries '' be removed and then I called as well. I am met with hostile, careless customer service representatives. As a result, I have practically been rendered homeless. My score is STUCK with them. While XXXX and XXXX have been wonderful, Equifax is ruining my life by not acknowledging my existence. The login problem has never been solved, and every time I call they tell me that I will hear from someone in 60 days, which never ever has occurred. 

I have also attached numerous emails I received almost daily from Equifax. 

I have attached the response from a place I attempted to rent but due to Equifax 's errroneous reporting and no response to me, I was asked to put down a {$3000.00} deposit. 
My previous complaint is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my XXXX XXXX to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am disputing an account allegedly associated with me, reported by Consumer Adjustment Co. , Inc. The original creditor is listed as XXXX XXXX, with a balance of {$8100.00}. This account is not mine, and the information being reported is inaccurate and unverifiable. 

Specifically : The account allegedly opened on XX/XX/year>. 
It was placed in collection in XX/XX/year>. 
It shows a past-due balance of {$8100.00}, with a status update in XX/XX/year>. 
I have requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). However, Consumer Adjustment Co. , Inc. has failed to provide : Proof of my agreement to this debt, including my wet signature on any original documents. 
A detailed accounting of how the debt amount was calculated. 
Evidence of their authority to collect this debt, particularly as they are not licensed to collect debts in the state of Georgia. 
I verified through the XXXX  Consumer Access database that Consumer Adjustment Co. , Inc. does not hold a license to collect debts in Georgia, making their collection efforts unlawful under state law.

Additionally, this account is being reported to credit bureaus, damaging my financial standing and violating my rights under the FCRA ( 15 U.S.C. 1681 ).

I demand the immediate removal of this inaccurate account from all credit reporting agencies, cessation of collection efforts, and full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was Effected By Covid 19 I Lost My Job I Had No Help From XXXX XXXX.