23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started the process of getting our Home Loan with XXXX XX/XX/XXXX, and were pre-approved with paperwork in to the underwrite by XXXX. We were told it would take 7 or 8 days to hear back from the underwriter. During this process, we sold our house under the confidence from XXXX that we had a loan to buy a new home. After constant asking, calling, and texting XXXX, as well as our realtor trying to get any info from them, we were told XX/XX/XXXX that we were not approved due to me having a part time job. This is 3 days before we were to close on our old house, and were supposed to close on the new house, and also 24 days after it went in to underwriting. This is well beyond the 7 or 8 days we were told. We came to find out that XXXX underwriters were fired, however, that does in no way make up for lack of communication with us. After speaking with XXXX to figure out a solution, we were told on XX/XX/XXXX they would make an exception for my job. We gathered paperwork up nearly daily as soon as we were asked for it, because now we were homeless and needing to complete the process. Instead of giving us all the conditions at once, they wasted time by adding a new item here and there. After another couple of weeks with little communication yet again and us having to postpone closing twice now, along with the seller getting upset that they were not communicating because it affected them, we were told no loan approval. Now we are out for 2 weeks of hotel costs, having to store our belongings and spending nearly XXXX dollars on that, and nearly having to eat out every meal. We went with a new lender and signed disclosures day 1, it went in to underwriting on day 2 ( friday ), out of underwriting that Monday, and told we were officially closing on Wednesday and we closed XX/XX/XXXX. The stress and financial burden caused by there lack of communication and lack of professionalism was unacceptable. I have sent the manager XXXX emails now and have not been responded too at all. I was asking for financial reimbursement and am now being ignored. I know his email works because he responded to our realtor about something different and he also texted me about something different as well. I want to do it in email to have proof of response instead of just verbal. We would like to work this out directly but they are leaving us few choices. We have been suggested small claims court as well by reputable people, but we were first told to try and go through Consumer Finance.
Product: Debt collection

I have never received any money nor did business with Portfolio Recovery. Ive constantly been harassed and stalked by this company. Ive reported them several times with the credit bureaus and nothing has been done to stop them. Please Help
Product: Mortgage

We have very good rate on our mortgage its 2 percent for the life of the loan. My mortgage was with XXXX XXXX and I did a one those ygrene program to change my windows and doors and XXXX they supposed to add the loan with the property tax and add it to the monthly payment and our payment going to go up XXXX dollars more and we ok with that but XXXX did not do that and made my Escrow account behind and short and they told me to pay XXXX to fix the escrow account I told them you pay or fix it its your mistake I didnt not do anything wrong they refused the they agreed after all to fix while I was waiting for XXXX to fix it I got a letter in the mail telling me my mortgage was sold again for the fourth time to company called Fay servicing and since Fay servicing had my loan they refused to help or fix the problem but they want to take my house from my family and I had to get attorney to save my home so far no luck and cost {$1500.00} a month for the attorney since 2019 Also the pandemic has put us behind another year and now I owe XXXX to Fay servicing and my attorney wants to file another lawsuit against Fay but we are so tired of all this I cant just walk away from our home with XXXX kids and my wife stay at home mom Im the only income right now my income is XXXX a year I know Im able to offered my home but Fay servicing they say I cant offered it its better to sale my home or they will take it from us. 
Fay servicing is Unfair practicing against us and discrimination against us every time I call they tell things like sell your house man and make couple dollars before we take your home from you and other time they tell take money from XXXX to save your home because we not going to help or work with you. And last phone call they told me if you sue us we going to take your home from you after that I spoke to a manger I told her whats happening and she say I cant talk to you anymore because you have attorney we are not allowed to talk to you and I told her you guys call me all the time and she was pissed off at her team.

Fay servicing very bad company They do unfair practice and they discriminate against people. I have four other mortgage companies before but like fay I have never seen anything like this. 
Thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

Reporting inquiry on my report Not mind and attached to a wrong address only address was mind XXXX XXXX XXXX XXXXXXXX XXXX XXXXeporting inquiry and late Payment on my credit filled XXXX asking all accounts Not associated with my address to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$240000.00}.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I received a mailer for a special intro offer for a DELTA GOLD AMEX for XXXX miles. I signed up via the link provided in the mailer, but upon calling Amex for a different reason, I found they were only offering me the standard XXXX miles offer, for no reason explained. 

They created an internal case to investigate the issue, XXXX XXXX XXXX but after several future calls they said they can not still uncover why I have not been awarded the XXXX miles offer which I am indeed eligible for, and they can not " get in touch '' with Delta to have it applied. 

I would have never signed up for this credit card if it weren't for the offer of XXXX miles. This appears to be a bait and switch to gain new card applications, and no one at AMEX can help me.
Product: Credit reporting or other personal consumer reports

I've attached some document showing that there are two accounts with the same account number and it's a violation and one of the accounts states that it has been sold to lender but still showing up on my credit report and then you have the other account that has totally different information.
Product: Mortgage

I have been trying to put a request in with Flagstar bank to remove pmi for about 6 months now. Every time I call I get a different answer and terrible customer service. Finally they accepted the application after 30 days which I had called to verify everything was correct before resubmitting since this was a 3rd attempt. They didnt tel me to send a check for the appraisal at that time or I would have been happy to do so. So after 30 days of them now having my 3rd attempt of an application they respond saying to mail a check. I mail a check and then they said it will be another 4 weeks to process. I am beyond annoyed at this point since it is another 4 months of PMI payments. The appraisal company finally calls to schedule the appraisal, I have XXXX so ask them to postpone by 10 days. 10 days later we schedule it only for them to call the day before to cancel saying flagstar bank canceled it. This is after they already cashed the check for the appraisal. At this point it has been 6 months of pmi payments that should have been removed long ago. They are just trying to collect more money and interest. Terrible customer service and completely unfair practices.
Product: Credit card

I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.
Product: Mortgage

Whom This may Concern : All three of these complaint 's are tied in together. Our home we feel was unfairly foreclosed on XX/XX/XXXX at XXXXXXXX XXXX at the XXXX County Courthouse. 

1. XXXX XXXX XXXX was the cause of all this. Had they worked with us none of this would have taken place. I would have been able to keep working as a Broker paarttime and kept our payments made on our first mortgage instead of trying to move me and everyone and everything our of a home we built, loved and wanted to keep. 
I put the home on the market for sale in case I could not save our home fast enough, then XXXX and XXXX XXXX XXXX would get their money and we would hopefully get some of the well over {$100000.00} equity we had tied up in the house. We built in XXXX. XXXX XXXX XXXX appraisal came in at {$430000.00}. In XXXX we put a extra {$20000.00} plus my husbands labor and another builders labor into the house. In XXXX I had a local appraiser appraise the house as they once work with XXXX XXXX XXXX. They brought the house in low at {$420000.00}. 
XXXX at XXXX was helping us second week of XXXX to get a loan modification with XXXX XXXXXXXX since the foreclosure was stopped on XX/XX/XXXX. XXXX said she subnitted the 185 plus page documentation to XXXX in the portal on XX/XX/XXXX. 
The next day XXXX calls me and said they had sent the loan to Bay View Loan Servicing. I was told to work through them for a loan modification. All the while XXXX had reset the auction foreclosure date for XX/XX/XXXX. There again tying up our hands from getting a loan modification through Bay View Loan Servicing or  giving us a chance to sell at market value. They killed us by advertising our home up for a starting bid of {$200000.00}. 
XXXX lies when they said I said there were no changes in there letter. I told them there were no changes, except I had another few closings and I still was waiting on my XXXX taxes to be completed by my bookkeeper and CPA. 
XXXX XXXX XXXX  XXXX denied us a loan modification. They said because it was within a 37 day period of XXXX foreclosing. 
I DO NOT UNDERSTAND WHAT BAY VIEW SERVICING WAS DOING WITH OUR LOAN WHILE XXXX WAS FORECLOSING. XXXX XXXX XXXX IS BEHIND THIS. 
our family is devastated. the buyer broke into our home the next day and changed the locks. My bookkeeper was there getting my washer and dryer when they broke in the kitchen door. 
We have been abused. Both banks could have worked with us. i proved by keeping in contact with them monthly and sometimes weekly that we were good creditors. we paid them, fell on our luck a few months and they stole our home. We are noe out of our {$100000.00} dolaars only retirement money we had. 
Bay View called on the XX/XX/XXXX to say they will be in touch. i told them they foreclosed on us. 
Please help get to the bottom of this. 
Respectfully, XXXX and XXXX XXXX
Product: Mortgage

I was looking at my credit reports and noticed inaccuracies that Bank of America was reporting to the credit bureaus. 

Bank of America is reporting to XXXX  and XXXX  that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX Bank of America sent me a letter on XX/XX/XXXX stating that the account is reporting accurately. I find that hard to believe since the info Bank of America reports to XXXX  is not the same as they report to XXXX and XXXX. With that being said I do believe that is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have made multiple calls and visits to Chase Bank regarding my legal name change. Since my name was changed almost 2 years ago their credit journey report has been incorrect. It shows a false negative report, does not reflect an accurate credit score, does not reflect accurate credit accounts, and has caused a denial for a card due to these errors. I have requested a call back from management per their protocols on 9 separate occasions including several times while on the phone with one of their branch managers and have never received a follow up regarding their mistakes. They originally blamed experian yet I conferenced a call with an experian employee who assured my information was all accurate and up to date and Chase was still unable to correct any of the errors on their side.
Product: Debt collection

I have previously submitted a complaint about two medical collections that are errors. My medical insurance informed me that my coverage should have covered the cost however, I was still being billed. The alleged amount owed got turned over to the collection agency " Midsouth ''. I have not received any responses in writing as requested. This is a violation as I am doing my due diligence in trying to communicate properly to resolve this matter. XXXX  is the only bureau to report this error. Why can't XXXX  do their due diligence like the other two bureaus.
Product: Checking or savings account

Capital one bank has not deposited my check into my account I have bills due and that is and are affecting my living situation I can not be late on my bill I will be impacted due to there vending issues I didnt receive a letter or no response from them concerning this matter why should I have to payment extra late fees for my bills I usually get my check on Thursday today is Friday I thought it was my employer but I had to go on TikTok to see whats going on with capital one banking system I called and there was a recording saying they sorry but they are have issues with there third party vendor XXXX so upset this is unacceptable i feels as they need to be held accountable I work very hard they are gon na give me bad credit because I cant pay my bills they are holding up my funds to pay my bills and also I called the bank and that was the message they put on the recording also saying they have problems with their vendor I want my money where is my check I receive it by direct deposit
Product: Credit card

In the morning of XX/XX/23 I woke up to an email from Chase that my credit card application was received. I never applied for a credit card, so this is fraud.
Product: Money transfer, virtual currency, or money service

Received a notice in the mail from XXXXMoney Lion. The notice contains a card that has a chip and is not a promotional offer. The notice has my last name spelled incorrectly. I have never heard of this company and did not request this card. I reported the mailing to the FTC and contacted the NYS attorney general who suggested I submit this complaint. I also ran a credit report to check for any issues. 

I did go on this XXXX 's website and it states in order to obtain a card of this sort, a deposit must be made into an account. There were mixed messages on whether or not to reach out to the company directly, as I would have to provide my actual personal information to them to 'close ' the fraudulent account. I would prefer not to provide any information as I have no idea what this is or why it was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple questions Ive contacted you directly and you have not responded 1. Why am I not able to dispute things online whenever I log into my account? 

2. Why does it say file frozen due to federal regulation?

3. Why did you add a security alert to my credit file without me asking you to.
Product: Debt collection

At XXXX on XX/XX/2018 we received a call from SYNERGETICS asking to speak to a XXXX. The operator would not answer what the call was about and became hostile when she could not be connected. After informing her this is a personal matter and she will have to reach her another way the operator said " that's fine. We'll just call you another time until we talk to her '' and hung up refusing to remove our number
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. Transunion has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX  which has been paid off and the receipt showing this has been attached. Lastly XXXX has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted XXXX and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am submitting a complaint on both Ditech Financial Mortgage Loan- Second mortgage and all 3 Credit Bureaus ( XXXX XXXX XXXX and XXXX ). 

On XX/XX/XXXX I called XXXX to have verbiage remarks removed from Ditech and hours latter my credit score dropped 65 points. I called XXXX back to find out what caused this and after about 20mins it was discovered that my payment history with Ditech was removed by Ditech while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they Ditech does n't have a problem with the dispute. 
XX/XX/XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with Ditech and 4 days later my XXXX score dropped 81 points. I am assuming XXXX is to follow in the pattern however the current scores as of XX/XX/XXXX does not reflect a drop. 
I have NO late payments as ofXX/XX/XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( 4 in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
Product: Payday loan, title loan, or personal loan

I applied for a personal line of credit  at Wells Fargo  on  XXXX   XXXX  over the phone and received a letter of denial that shows my credit of  XXXX  from  XXXX  on  XXXX   XXXX  but the credit monitoring service that I pa y Wells Fargo for clea rly shows that my   XXXX    score was  XXXX  in  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX