23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a pre-qualification letter from Movement Bank for {$140000.00} to purchase an investment property, me and my realtor started to look for properties and on XX/XX/XXXX we went into contract for a property to be sold at {$100000.00} for that amount I would put 20 % down and Bank was supposed to lend the remaining balance. 

I put {$2000.00} for earnest money sent to Attorneys and {$2000.00} for Due diligence money sent to owners so they would take off the market and be in contact with us-my realtor and me, due diligence money as for my understanding to work as a promise to close the deal or lose it. 

I paid for a inspection that was done XX/XX/XXXX at the property where I was planning to purchase XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX, everything seemed normal. 

Then suddenly on Thursday XX/XX/XXXX I received an email from XXXX XXXX loan officer at Movement Bank to tell me I must borrow a minimum of {$110000.00} for this loan, something that wasnt disclosed before or at any point, why would they not share such a critical information until after I went into contract, after 9 days of knowing I was into a contract and they knew the purchase price. 

Now Im losing the {$2000.00} sent to current owners as a due diligence money, and Movement Bank representative just saying that they told us and they making an emphasis on the loan amount, I have the pre-qualification letter and emails where nothing was disclosed, in fact my realtor was also surprised on why would they let us go so far getting into contract and then drop the XXXX. 
In email from Thursday morning XX/XX/XXXX also from Movement Bank representative loan officer XXXX XXXX says As a reminder the minimum loan amount recommended for investment loans is at least {$110000.00}. 
RECOMMEND it doesnt say is a requirement. 

Theyre the Bank and now refusing the loan for about {$84000.00} because they say its too low, but Im losing my due diligence money, because they let me go into contract and put that money in. 

Attached is the pre-qualification letter where is show a hypothetical {$140000.00} loan amount. 
Email dated XX/XX/16 says estimated payment scenario.
Product: Mortgage

On behalf of homeowner/client ; XXXX XXXX two complete hardship packages/requests for mortgage assistance were prepared and submitted to Prime Lending/XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

To date ( XX/XX/XXXX ) Neither request has been reviewed. 

The first request was submitted via email as that was listed on the mortgage statement and deemed a reliable way to send the documentation. On XX/XX/XXXX I spoke with XXXX XXXX agent XXXX and inquired about application sent in XX/XX/XXXX. XXXX XXXX said that the email isn't checked by anyone and that I should have faxed it. I answered that no fax number had been made available on the statement or in other I advised that I would send a new request for assistance to the fax number that was offered and did so. I received a fax confirmation and email of receipt of the documentation the same day. I called Prime Lending on XX/XX/XXXX to ensure that documents had been moved to underwriting to again have a frustrating conversation with an individual that acknowledged receipt of documenattion ( actually referencing docs page by page ) yet syaing that no one had reviewed them yet and that I needed to speak with a loan counselor. When I was transferred I was told that I needed to speak with loss mitigation which was not available and that I would receive a return call within a week. I received a vm msg from Prime Lending time stamped XXXX XXXX XX/XX/XXXX asking for a return call. When I returned the call at XXXX XXXX XX/XX/XXXX I was advised at first that no documents had been received and then after some pushing that they had and they would not go to processing for another 5 days. 

This is unacceptable
Product: Credit card or prepaid card

XXXX overcharged for a car rental. Contacted XXXX who claimed they would fix the error and credit back to the credit card but they never did. I submitted a dispute online with the credit card company, Citibank, but realized after I had submitted it I needed to change some of the information regarding the dispute. The only option available on the website was to withdraw the dispute, which I did, assuming I could simply resubmit it with the corrected information. But that was not an option. I called the credit card customer service and explained the situation but they just mindlessly regurgitated their horrible policy that you can only dispute a charge one time, regardless of the fact that it was only in the system for less than 5 minutes and absolutely no action was taken on their part from the dispute. I asked for a supervisor who also regurgitated the policy and basically was told to go pound sand. I don't see how this can be legal or ethical when I as the customer am telling them I want to dispute the charge but they won't because of their stupid policy.
Product: Credit card

I am a XXXX XXXX XXXX XXXX 

The bank blocked my cards out of the blue without me doing anything wrong whatsoever, i.e. no deliquency, outstanding debt or any other such issues I am aware of. They did this without any prior warnings or requests for information. They only notified me as they blocked my two cards.

I raised a complaint and asked what prompted this and what exactly I did wrong. The bank did not provide a substantive response.
Product: Consumer Loan

Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX  XXXX ( XXXX XXXX VETERAN, XXXX XXXX XXXX. ) XXXX ACCOUNT # : XXXX PREVIOUSLY AWARDED DISCHARGE ; CORPORATION CATOGARIZED AS TRANSFER AND ASSUMED LOAN ; 1996 CASE INVOLVING SAME TRANSACTION RESULTED IN SEVERAL PERSONS VEING CONVICTED AND SENTENCED -- -- XXXX XXXX XXXX XXXX XXXX XXXX INSIDE PRISON -- CASE NOT PENDING; SAME TRANSACTION SAME PERSONS ADJUDICATED. 

XXXX APPLICATION SUBMITTED TO XXXX XXXX, XXXX, DEPARTMENT OF EDUCATION XXXX ACCOUNT # XXXX ... 

Criminal possession/redemption of land deed and plattt ; not excluding US AND FOREIGN CURRENCIES WHICH RESULTED IN FALSE FINANCIAL AND CORPORATE SECURITIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got secured credit card from capital one last year. I used it, sent {$80.00} to them, they ended up never getting it because the address to send the payment to was the wrong address, so I canceled the payment. And told them to keep the deposit for the secured credit card. They said fine and sent a letter saying the account was closed. But I keep getting letters from a collection agency asking for another {$260.00} dollars. When the account was paid and I dont get where they get that amount either. 

And they are also making my credit score lower as well as lying about not paying the card.
Product: Student loan

My loans were transferred to Nelnet for servicing over the summer of 2022. I set up my account and successfully logged in once. I went back a week or so later and was unable to get in. I reset my password and was able to access my account. About a month later, I tried to log in again, and was not able to. I reset my password again, and was able to log in. Fast forward to today and I can't get into my account AGAIN. Not only are my credentials not working, my verification " picture '' keeps changing and rarely gives me the correct picture. 

This is making it IMPOSSIBLE to keep up with my student loans and changes to payments/forgiveness due to President Biden 's student loan forgiveness and/or payment deferments.

I can't even imagine how difficult it will be to make payments consistently and on time once they start back with this servicer. Of the three or more different servicers I've had, Nelnet is by far the WORST. 

If I can't do sometime so fundamentally simple like logging into my account how can I possibly trust this servicer with protecting my bank account information and correctly managing my payments?
Product: Payday loan, title loan, personal loan, or advance loan

Joined Bright Money and signed up for their Bright Builder loan program, which is to build credit. XXXX loan advertises that after 5 on time monthly payments, you can start to qualify for a balance transfer, which was my goal of the program. Signed up for autopay and have had no issues for the first 4 payments. 

XXXX payment that was due XX/XX/XXXX, autopay did not go through. I have attempted to manually pay this payments multiple times, everytime a payment is made, it disappears from my account history and does not show a pending payment. 

I have attempted to reach out to customer support but they were uncaring and did not address my problem. 

I find it interesting that on the payment that is suppose to qualify me for the potential of having a balance transfer, this is the payment that all of sudden all my payments are not showing up. 

This is unfair lending, deceptive, and misleading. The failure of the companys autopay system, which is I am still enrolled in, is inexcusable Photos attached show example of payments that were made. Payment of {$6.00} was made by me on XX/XX/XXXX ; Today, XX/XX/XXXX, that payment is no longer pending in my account and is not reflected in my balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in complian ce with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It  is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of t he FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as :  1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   # 1  XXXX   3.  XXXX   XXXX   XXXX   # 1 XXXX , #  XXXX ****, #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please pro duce a copy of my signature or contract or delete account error.    4.  XXXX   XXXX   XXXX   # 1 XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.     5.  XXXX   XXXX   #  XXXX this account has no contract error please delete nev er done business with this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX ; XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX ; XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX ; have violated my rights. 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
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXXXXXX account ( XXXX ) # XXXX and the other account # XXXX from my consumers report. Under XXXX5 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXXXXXX XXXX  XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Product: Payday loan, title loan, or personal loan

My vehicle was impounded XX/XX/XXXX held as evidence for a year. I obtained my vehicle back from the impound damaged in XX/XX/XXXX. As of now I cant register my vehicle because the finance company took possession of the vehicle since XXXX without my knowledge. The DMV provided me with this information in XX/XX/XXXX. Since then Ive been reaching out to the finance company for them to provide me with a updated title along with a permission letter so I can register the vehicle. Ive had possession of the vehicle since it was released to me. I dont know why the finance company is stalling giving me the run arounds and Ive called 5 times regarding this matter and all I keep hearing is that the vehicle has been repossessed, then I tell them I have the vehicle. Then I hear its going to take 10-15 business days. Then I hear your just going to have to wait there isnt anything they can do. No help from the finance company NMAC ( NISSAN MOTOR ACCEPTANCE CORPORATION ) when it comes to this matter plus I wasnt notified at all by the company when they supposedly took back possession of the vehicle that I have in my possession.
Product: Checking or savings account

Order from XXXX and package day delivered on XX/XX/24 once I got notification that my package was delieved I went and checked and no package in my name was there I called my bank to notify them cause I couldnt get in contact with the original company and Wells Fargo credit my money back of XXXX and now the bank put it back on my account stating they investigated with the merchant and because it says delivered they have to go by that I never received this package I will like my money
Product: Credit card

Interest was charged to my card despite my statement balance being paid in full. Request for explanation were responded to with generic information.
Product: Credit card or prepaid card

Discover card has zero buyer protection. They will lie and say your purchases are protected but they are not. Their dispute department is a joke!! My dispute was escalated to a Manager and still, they found in favor of the merchant. The way Discover handles disputes is if the merchant replies with even a simple Hello they automatically find in the favor of the merchant. They do not look at the evidence or anything. They will always take the word of the merchant over their paying customers. Even with pages and pages of evidence. 
On XX/XX/2022 I purchased a {$2500.00} industrial sewing machine for my sewing business from XXXX XXXX. The owner XXXX sent me the wrong, lower-end model that he sells for hundreds less! I tried to work with him for several weeks to get this issue resolved but he refused to make it right. On XX/XX/2022 I called Discover and had a long conversation with an agent explaining the details of the purchase and interaction with the merchant before opening the dispute. I made this purchase through XXXX on my Discover card so I was unsure if I should work with Discover or XXXX for this issue. The agent convinced me Discover would stand behind me and help me, and because I believed her and opened this dispute with Discover and not XXXX, I lost my XXXX buyer protection. I have spent 2 Months on the phone almost daily with Discover trying to resolve this dispute. I have been so stressed out and in tears over what happened and how Discover has been handling this dispute case. I gave them every piece of evidence they recommended and even more proving I was not sent the right machine model. Photos of the box showing the model number with the tracking from XXXX and proof of signature with that tracking number, and Photos of the machine, packing materials, etc. You name it I gave it to them. Yet they still said they Need Proof the merchant owes me a refund. WHAT?? I gave you proof I did not get what I ordered from the merchant! Discover sided with the merchant even though he submitted ZERO evidence! Discover is letting the merchant walk away from this transaction knowing he scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lennar Mortgage regarding their handling of my mortgage application process. My experience with the company has been fraught with mismanagement, delays, and what I believe to be unfair practices. 

Details of the Complaint : 1. Repeated Misplacement of Documents : On more than one occasion, Lennar Mortgage has misplaced critical documents that we provided as part of our mortgage application. This has caused unnecessary delays and added stress to an already complex process.

2. Unending Contingencies : Throughout the process, Lennar Mortgage has repeatedly requested additional documentation, each time stating that it would be the final contingency. However, after providing the requested documents, yet another contingency is raised. This cycle of one more contingency has continued without clear communication or resolution, leading us to question the fairness and transparency of their practices.

3. Communication Issues : We have also experienced poor communication from Lennar Mortgage, with requests being sent late in the day, and representatives becoming unreachable immediately after. This has made it extremely difficult to address issues in a timely manner, further complicating the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have no knowledge of these inquiries and these inquiries result in identity theft and should be removed as per 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Bankruptcy Account Number : XXXX Inquiry XXXX XXXX
Product: Credit card or prepaid card

Bank of America charged me a late fee of {$25.00} on XX/XX/2021. I was suffering from XXXX and it slipped my mind to make a payment before the due date of XX/XX/2021. I made the full account payment on XX/XX/2021, but this was Sunday, so the payment was not credited until XX/XX/2021. 
They charged me the late fee. I asked them to reverse it, but they did not agree.