23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called mortgage company Loan Depot on XX/XX/2021 and spoke with licensed lending officer, XXXX XXXX ( XXXX # XXXX ). After speaking with XXXX I decided to complete an application over the phone with XXXX for a refinance of my current FHA loan to a conventional home loan. As part of the process XXXX informed me that a {$490.00} appraisal fee would be needed to appraise my home. I agreed and provided XXXX with my credit card information. My credit card was charged {$490.00} on XX/XX/XXXX and posted to my credit card on XX/XX/XXXX. The week of XX/XX/XXXX XXXX informed me that the appraisal fee would be higher and I would have to pay an extra {$210.00}. I informed XXXX that I did not agree with that because XXXX already informed the fee would be {$490.00} and my credit card was already charged {$490.00}. Please also note, I did not receive anything in writing about the cost of the appraisal fee, only information I received was verbal through XXXX. I informed XXXX that it was unfair, bad business practice and unethical to ask for more money especially since I had already been charged what XXXX quoted me, {$490.00}. I informed XXXX I would not continue with the loan application if I have to pay more money for the appraisal fee. XXXX stated they would reach out to their XXXX to see what could be done. On XX/XX/XXXX XXXX called me and stated I would have to pay the extra {$210.00} and it could be rolled up into my new loan. I told XXXX that I did not accept that and it is still unfair and not my fault. I informed XXXX that I no longer wanted to proceed with the loan. XXXX informed me to send an email stating I wanted to cancel and I would receive my refund in XXXX days. I followed up with XXXX on Monday, XX/XX/XXXX regarding my refund and XXXX informed me to " contact the appraisal coordinator ''. XXXX did not provide me a name or phone number of the appraisal coordinator. I then asked, " Who is that? '' XXXX then stated " Reaching out to my XXXX now! Help expedite this ''. I reached out to another contact that was on my application, XXXX XXXX, and XXXX stated they would escalate. XXXX also provided me a phone number to customer care and sent an email to customer care, today, XX/XX/XXXX. I also called customer care, today, XX/XX/XXXX and spoke with representative XXXX. XXXX informed me that my cancellation was received on XX/XX/XXXX ( 3 days after I emailed XXXX to cancel ). XXXX informed me that it takes 15 business days to get a refund and there is a process and nothing further they could do.
Product: Mortgage

In XX/XX/XXXX I stopped making payments on the second loan, when I purchased the house back in XXXX I was sold an XX/XX/XXXX home loan, and told I was told I could refinance two years later. After XXXX the property values started plumming and both loans started adjusting as they were both fixed for two years and 28 variable if I am not mistaken, both loans adjusted to 11.50 % making my house payments over {$6000.00}, I made payments but around XX/XX/XXXX I no longer was able to keep up as my income was not the same. 
After the modification of the first loan I would go into the Bank at my local branch and make my payment, I asked about the second loan but the teller told me that nothing was coming up under the loan number. I figured the loan was forgiven as I was told, ( no documentation was ever given to me ). 
My loan was transferred from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX the second disappear for about a year, and then out of nowhere it appeared again, I was never told of the transferred all I got was a monthly statement for maybe three months? and then it was transferred once again to a collection agency called XXXX XXXX, XXXX. I negotiated a payment plan with them, they offered me to settle the account for {$36000.00} but I did not have that kind of money. I started making {$300.00} payments a month I was told they would be reporting my payments to the credit bureau but they lied to me, they never did, I do not know where the {$300.00} a month that I paid for a year went to, I was given no paperwork to sign nothing so I stopped the balance did not go down at all. 
Then at the end of XXXX XXXX XXXX sent us a Notice of Default, I believe they filed a lien on the house as I do not think there was one for the second loan. Then the sale date arrived. 
I begged for a modification, instead, I received a forbearance where they added all the interest since XXXX and late fees from XXXX they asked for $ XXXX down and payments of {$870.00} I can not afford that type of payment and I have a sale date on XX/XX/XXXX In XXXX XXXX finally finalized a loan modification it took about a year at that time the Bank told me that the second would be forgiven as the property value fell to 60 % to what I purchased the house West Coast mail out the forbearance plan, not a modification as we asked on XX/XX/XXXX which we got on the XXXX and they gave us until Monday morning the XXXX of XXXX to give them the deposit of {$5000.00} and signed documents but I do not know what I was signing, all I know is that is not good. I still tried to make a payment for the deposit but they declined to take my payment because is past XX/XX/XXXX. I want to keep my house my fiance has a College student that is doing College from home. Please, please do not sell my house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts : XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX  # XXXX, XXXX/XXXX  : # XXXX has violated my rights 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 ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general lf, 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 ; according to 15 USC 1681s-2 they are not supposed to 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 or unverifiable.15 U.S.C. 1681B ( 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 card

I recently discovered that a credit card account was fraudulently opened in my name without my consent. This account resulted in a charge-off that is now damaging my credit report. I am a victim of identity theft, and I am requesting that you investigate this fraudulent activity. I can provide a police report, an FTC Identity Theft Report, and any other documentation needed to support my claim. Once the fraud is confirmed, I kindly request that the charge-off be removed from my credit report, as I am not responsible for this account or the resulting charges. Please let me know the next steps to resolve this matter.
Product: Credit card

Regarding complaint # XXXX that was closed by the Capital One. Unacceptable resolution. 

Capital One opened a credit card account in my name and closed a credit card account without my ESPRESS CONSENT. I did NOT activate this card. Capital One states they can not comment on whether the actions they took would affect my personal credit rating. 

In addition I was denied to speak to an American Speaking agent when I requested as I could not understand the agent. I was told all was busy and I would receive a call back which never occurred. 

The Consumer Protection Agency should be investigating this illegal action by Capital One.
Product: Credit reporting or other personal consumer reports

Fifth Third bank, the mortgage holder has said that they have requested 3 times that XXXX XXXX report my mortgage. XXXX XXXX has refused and when I talk to XXXX XXXX they say that Fifth Third is not supplying the information.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This all took place in just the past two weeks. I got a DM on XXXX on XX/XX/XXXX from this art account ( XXXX ). She asked if she could paint a picture of me and I was like " Sure! ". It was super convincing. So she was like I'll send you a check for {$2000.00} but you get {$500.00} and send it like the company I work for the rest. So on XX/XX/XXXX, I asked her some questions just to like to make sure that this was safe and she reassured me that it was she emailed me a check for {$1500.00} and I deposited it. I was convinced that this was safe. So I deposit it none of my finance apps were working to send her " higher ups '' the money on XX/XX/XXXX. Burt today XX/XX/XXXX I thought we could try to XXXX XXXX and that worked today XX/XX/XXXX I get an email from my bank ( wells fargo ) saying that they are closing my account because of a suspected altered check. So I just don't know how to move further and I remember seeing this video for the CFPB. So now here we are and I just don't know how to proceed. So now I'm going down this spiral of what to do.
Product: Debt collection

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX phone ( XXXX ) XXXX What happened? I took a look my XXXX  credit report and found out this company had flagged a account it says I owe which I don't for collection on XXXX for balance {$14000.00} I also look on my XXXX  report that has the same collection on it but in a different account number both are for the IL Department of Human Service which I do not owe any thing nor have I ever herd any thing from them on this. The same thing has happen to me with this company about three years a go and when I called them about it they did not ask for the account number all they wanted to know was my social security number and when I would give it to them they hung up I had to report them to the XXXX XXXX XXXX XXXX. to get this taken off my credit report and if any of this was true that I owe any government agency money they would have confiscate it from my income tax. when looking at the reviews and complaints the XXXX. received on this company ware they used the name of the IL Department of Human Service to put collections on numerous credit reports that had to be taken off. this company have never tried to make any contact with me by phone or mail or any other means to try to collect any thing from me.
Product: Mortgage

My loan was sold on XX/XX/XXXX and on XX/XX/XXXX a web payment of {$1300.00} was withdrawn from my checking account that I did not authorize. I have had several conversations with customer service representatives who told me that either the money would be forwarded back to my account, or that it would be forwarded to the new servicing company. Neither has happened and when I follow up with each new customer service representative, there seems to be a new story and 'no record ' of Shellpoint 's receipt of the payment. I have also sent several emails to the generic customer service email address. I get an automatically generated email that says they are looking into it, but there is no follow up.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to XXXX, XXXX, and Equifax. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.
Product: Credit card or prepaid card

I had agreed to a " Balance transfer '' of 0 % APR for about 15 months in exchange for a 3 % upfront fee. I transferred {$7000.00} to the Chase card and paid the fee.     The next month I had {$6500.00} sent to the Chase card to pay off a 19 % APR balance on the same card account.     Instead of crediting the 19 % APR balance, Chase used the new money to pay off the 0 % APR balance.     My clear understanding from Chase was that this {$6500.00} would go to pay off the higher APR balances first.     I spoke to a service representative about this and two supervisors, the first of which just hung up the phone on me. The second supervisor was very cordial, but in so many words said " tough luck ''.     This to me is predatory lending. Why would I pay 3 % upfront to buy a 0 % APR and then pay it off one month later?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX  Equifax and XXXX XXXX Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

.In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has 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: Checking or savings account

Deposited a manual pay check issued by my employer, the check was marked as fraud and my entire account was closed/frozen without notice and with no access to my money. Several calls were made and I was told I would not be able to access any of my money until investigation is complete. I spoke to multiple representatives and supervisors all who had no specifics as the the details of the reason other than " suspected fraud ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Prepaid card

I received a XXXX XXXX pre paid credit card as a birthday gift on XXXX XXXX, XXXX with a {$50.00} balance. I called the activation number on XXXX/XXXX/XXXX and placed it in my wallet for future use. On Tuesday XXXX XXXX, XXXX I learned the balance was {$0.00}. I logged into the website and learned a transaction took place on XXXX/XXXX/XXXX from XXXX XXXX. I 've never had any dealings with XXXX XXXX and did n't authorize them to make a transaction. I called the XXXX XXXX Customer Service line on XXXX/XXXX/XXXX and explained the problem to the Agent. I received the Transaction Dispute form on XXXX/XXXX/XXXX @ XXXX from FSSGCWebInquiry XXXXXXXXXXXX. I ca n't provide you with the information for XXXX XXXX because I ca n't locate it on the internet and the XXXX company does n't provide that information on their transaction page. XXXX card states it 's issued by XXXX XXXX Bank and distributed and serviced by ITC Financial Licenses. 

The gift card dispute form says the dispute needs to be filed within 60 days of the transaction, but that 's impossible to do since I did n't know about the transaction and XXXX XXXX does n't send a monthly statement indicating when transactions take place. I searched the internet and found this has happened to multiple people using the XXXX XXXX gift card and with the same XXXX XXXX transaction. The transactions are routinely made one day after a person activates their card. The card is never used anywhere so the common denominator is consumers using the XXXX XXXX company for the gift card and the XXXX XXXX company 's phone line to activate the account. I would like a full refund for this fraudulent transaction. I posted a warning on my facebook page and learned the same thing happened to a friend XXXX years ago with the same company. He also bought a " XXXX XXXX '' card from XXXX XXXX, the account was drained and InComm denied his dispute. I searched your website and found other claims against ITC Financial and one of them describes a similar situation that I encountered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Has reported this account on my credit report for longer than they are allowed. This account has been paid in Full Since XX/XX/2015. I have reached out to this Creditor in regard to having this account removed due to the fact that this type of account prevents me from being able to get certain Jobs in my current field.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNATHORIZED CREDIT INQUIRY. I WILL TAKE THIS MATTER TO XXXX