23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my house to a buyer using Prospect Mortgage in XXXX as their lender. Prospect Mortgage 's XXXX, XXXX, is the person responsible for handling the loan. My buyer was also planning to use an XXXX down payment assistance program to help pay the down payment. My buyer gave her offer on XX/XX/XXXX, and I accepted the same day. We scheduled close for XX/XX/XXXX ; on XX/XX/XXXX, we found out the buyer had something pop up on her credit report that would cause a delay in close because it would prevent her from using the down payment assistance. After a couple of weeks of trying to get what we were told was an erroneous charge off her credit record, they decided to instead forgo using the down payment assistance and she was going to use her IRA to get funds to close. Prospect Mortgage, her lender, scheduled close for XX/XX/XXXX. By Wednesday XX/XX/XXXX we still did not have clear to close and were told by the mortgage company that they were working on conditions with the underwriters but would try to have clear to close by XX/XX/XXXX. On XX/XX/XXXX, we didn ; t have clear to close yet, but somehow the lender had given the buyer the required disclosures and had her sign off them as a " workaround '' even though they were still working through conditions. On Monday, XX/XX/XXXX, the lender ( XXXX ) emailed myself and my agent and my buyers agent asking if the repairs requested on the appraisal had been completed so they could get a rush re-appraisal. No one had ever told me ( the seller ) that I had to have repairs done, no one ever told my agent either. Less than XXXX hours before we were scheduled to close, we find this out ... I scramble to get a XXXX out to my house, and have now paid {$300.00} to have the repairs made. 
Today is XX/XX/XXXX. The lender had close scheduled for XXXX, and did n't bother to cancel it or tell anyone it was n't happening. Fortunately my realtor had the foresight to do so ; we moved it to XX/XX/XXXX. XXXX did n't respond to any emails this morning to tell anyone what was happening. Around XXXX this afternoon we received an email from XXXX at XXXX stating that the re-appraisal could n't be ordered because he did n't have the FHA case information transferred from a previous buyer I had lost. I would love to know how he did n't know until the day we are supposed to close that he is missing critical information! This was XXXX of the first things he should have done when my buyer made her offer and I accepted - how it is possible that both did n't happen AND then they did n't notice until the close date blows my mind. I have no idea now if we can close on Friday, and I do n't think XXXX has any idea either. 

This transaction has been a disaster and I am about to lose the new home I purchased because the people at XXXX do not know how to run their business appropriately. XXXX families are adversely affected by the absolutely terrible handling of this process - it 's a domino transaction and all the people affected will not be spending XXXX in the new homes they had planned to.
Product: Credit reporting or other personal consumer reports

I have 4 accounts on all 3 credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.
Product: Payday loan

I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.
Product: Checking or savings account

Sofi bank restriced my account and wont tell me why and wont give me access to my money i been very patince and been waiting for 3 weeks but nothing they XXXX  refuse to let me talk to a superviser. 

Not only that but they refuse to reopen a dipute i had from XXXX for XXXX $ i also sent them a police report I just want acces to my funds, my account restricten removed and the dispute i filed properly investigated
Product: Credit reporting or other personal consumer reports

Definitions play a huge part in the law, It's our job to continue to bring cases and educate the judge and jury on the FCRA. 
Notice it says, in particular, the word credit was defined only as a permissible purpose to obtain a consumers report only when the collection is in connection with a credit transaction. Is child support a consumer credit transaction? Is my child attached to some kind of loan or credit Im not aware of? Unless you can provide me, these answers remove these items, or I will be forced to sue in federal court for the max penalty on all charges ... as followed bank fraud 1. Monopolization of trade and commerce 2. Identity theft 3. Embezzlement 4. Extortion 5. Coercion 6. Deprivation of rights under the color of law 7. False pretenses 8. Privacy violations 9. Forced peonage XXXX XXXX 11. Willfully and intentionally violating the constitution 12. Treason 18 U.S. CODE SECTION 1341- Fraud and swindle 18 U.S. CODE SECTION 241- Conspiracy against rights 18 U.S. CODE SECTION 242- Deprivation of rights under color of law 18 U.S. CODE SECTION 1344- Bank Fraud ( fine and / or up to 30years imprisonment ) 15 U.S. CODE SECTION 1122 Liability of United States 15 U.S. CODE SECTION 1- Trusts , etc, in restraint of trade illegal : penalty ( fine and / or up to 10years )
Product: Vehicle loan or lease

Company : Credit Acceptance Corporation -  XXXX  MI  XXXX  I received a notarized/registered letter, stating that we are in default on a contractual payment with them for a   XXXX    XXXX   XXXX . We are not in default,, the payment is automatically withdrawn monthly, so I called Credit Acceptance Corporation to advise them of this. They did confirm that the letter was an error, and we were not late on any payments regarding this vehicle, and never have been. The reason we got the letter was because of the state and area we live in, said the supervisor. This is discrimination at its finest, I feel that it falls under harassment and I want something done about it. As well, I asked for an apology letter so I could have that in my file, was told " they do n't do that. '' Hmmm??? They can take the time to pay someone to type a discriminate letter and notary but can not simply type an apology letter, when a mistake has been made? Not acceptable! I feel they needed to check to see where the money was coming from before sending a letter of this magnitude out. Tells me that their accounting department is not reliable, read some other customer comments, which confirms the belief.  <P/> Action taken by me : I called Credit Acceptance Corporation to discuss this notarized/registered letter. I spoke with a supervisor and he informed me that the reason I received the letter was due to the state/area I live in. Very unprofessional and discrimitive.
Product: Credit reporting

I applied on line to open a checking account with XXXX Bank and they use Equifax. They asked a series of questions to prove my identity, which I failed because the questions had questions of other people with my same last name XXXX XXXX XXXX that have nothing to do with. There information is incorrect. I change my name in court when I was XXXX, and never married or had anything to do with ant person with my new last name in XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXXXXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Last week, we got papers saying we have a court date on XX/XX/XXXX from National Finance Company. They have known everything thats going on. For 4 years we have been GREAT payers. We havent paid XXXX payment each, probably now XXXX since the dispute started. But since the court papers were sent they have been harassing us. Badly. Letters every day in the mail, phone calls several times a day.. i have been in CONSTANT contact with them about payments. Even tried to make a pay arrangement that they refused. We found out theyre trying to say we owe {$3000.00} a piece we only borrowed {$1500.00} ( me ) and my husband {$2000.00}. This was XXXX YEARS AGO. Since then, we have been paying XXXX $ or more in monthly payments for 4 years HOW isnt it paid off?! They get you to refinance the loan and pressure you to do the online signature in XXXX to XXXX mins, or else it wont refinance. But its not refinancing. When you do this the payments go up up up and ill tell ya why. Instead of actual refinance, they open ANOTHER LOAN in your name to pay the entirety of the previous loan PLUS whatever was leftover to pay!!!!! Its fraud!!! Misrepresentation!! Harassment!!! Extortion!!! And they use fear tactics like theyre going to take the property listed, shovels, hammers, drills. They can not legally take property GET THEM TO STOP AND FIX THIS! This company is a sham! They say they only have a 30 % interest % XXXX of XXXX is not XXXX.
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX was told by a physician at XXXX that the poor circulation in my legs was something that they'd be able to help me with for XXXX which was only supposed to be a consultation. And after doing an ultrasound with my Neurologist whom confirmed that i would need surgery and if i had elected to go through with surgery I would have to have XXXX immediately afterwards. I was told by the Neurologist that XXXX couldn't fix the blockage that was creating the poor circulation in my legs and XXXX also charged me in total XXXX and they did absolutely nothing for me.
Product: Checking or savings account

About 4 hours ago I learned that PNC canceled my debit card and closed a savings account. The debit card is linked to a checking account, which is apparently still open. I received no prior notice about any issues that might have resulted in a violation and subsequent closure. I only learned about it when I went to pay for dinner while on vacation overseas. As a result of the closure, PNC had left me without access to my cash since they were the main account I used during travel. Incredibly poor customer service that absolutely puts people in terrible situations. I don't know why the card was closed and why the account affected- I understand that sometimes it's due to suspicious activities and use of card. I'm someone who works overseas for the US govt in areas that are sometimes fraught with fraud risk and maybe this is part of it? Regardless, the lack of transparency is astounding and lack of any empathy and desire to provide help to your customers is even worse. Despicable.
Product: Credit card

On XX/XX/year>, a charge of {$10000.00} was made on my American Express Card that I did not make or authorize. The attached document shows the amount and illustrates that it does not align with my spending habits or location. The purchase was made in XXXX, FL, while I reside in Texas. This purchase was set up for " pay over time '' When I did not set this up and did not make this purchase. I am the only authorized user on my account and have reported this fraud to American Express.
Product: Mortgage

I was in a Covid-19 mortgage forbearance plan for 12 months and began repaying the mortgage in XX/XX/2021. I made my first mortgage payment online using the one-time online payment option, URL is https : //www.mrcooper.com/servicing/payments/onetime/new. However, now that I am in the repayment plan, that link no longer is functional, and I am no longer able to make payments online. The payment links on their website simply do not work and I can not get any help from their customer service department as to why it is not working. My loan was transferred from the previous servicer after I applied for mortgage forbearance and this new company, Mr Cooper, has just been an absolute nightmare to deal with. I need to make my mortgage payment but it feels like they are purposefully setting me up to fail.
Product: Credit card

A few months ago I filed a complaint with CFPB ( XXXX ). The complaint was received and the response returned. I had noted that the new " click-wrap '' agreement to access my account was unrealistic ( over one hundred pages to read and accept ), and the response was it had to be acknowledged before I could access my account online. Since I was not going to try to read and understand the document, nor perjure myself by clicking the box stating I read the document, my only reasonable course of action as a consumer is to close this credit card account. The company will not allow online closure of the account, and require a phone number be called. On XXXX XX/XX/2023 around XXXX Eastern , I called the number and spoke with the representative. They were sorry to hear that I was going to close the account. They forwarded me to another department to handle the closure request. I have been on hold for over an hour waiting for a customer service specialist. This is very unreasonable.
Product: Vehicle loan or lease

I the consumer and natural person was denied line of credit by Global Lending when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent 1/3/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Global Lending. If Global Lending fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Global Lending criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) Original Complaint Closed Re : Complaint ID XXXX dated XX/XX/2020 Submitted follow-up complaint XX/XX/2020 Good Morning CFPB Representative, This is follow-up letter to our original complaint. Navy Federal Credit Union ( NFCU ) did not manage our mortgage refinance ( refi ) loan request in a timely manner. Four months have elapsed since NFCU indicated they were reconsidering our application. 
We sent an email to NFCU on XX/XX/2020 to XXXX XXXX, Mortgage Processor III and XXXX XXXX, Supervisor, Mortgage Supervisor requesting a status. We received an email notification on XXXX, 2020 from XXXX Branch, Mortgage Production Supervisor, the 3rd manager assigned to our loan, that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020, in response to our original complaint, NFCU agreed to reconsider our mortgage refi at the rate we initially agreed upon. Additional documents were requested, all documents were submitted and a property appraisal was completed. This refi was initially begun nine months ago in response to an email solicitation from NFCU. 
We give up! This was an egregious way to treat a veteran and member of NFCU. We have requested a refi loan from a different lender resulting in a .75 % increased interest rate due to NFCUs ineptitude. To satisfy this complaint NFCU needs to refund all fees they collected from us for this sham re-submission of our refi application, including the fee for the completed appraisal. 

Respectfully, The XXXX
Product: Checking or savings account

I have been receiving overdraft fees with the OOps policy under Navy Federal. Through my bank transaction they have been charging me {$20.00} for each day my account is in the overdraft. 

This causes my account to be in the increase in overdraft and it is absolutely unacceptable!!
Product: Credit reporting or other personal consumer reports

Transunion is willfully neglecting and non compliant with removing my non public personal information. Dispute has taken over the 30 days. Also Transunion committed fraud by not blocking information due to my FTC identity theft report as stated by law in 4 days. Identity theft means a fraud committed using the identifying information of another person US DEPARTMENT OF EDUCATION accounts XXXX & XXXX is being illegally furnished without any written, non written, verbal or non verbal permission from me.
Product: Vehicle loan or lease

The car was purchased in XXXX XXXX  from XXXX XXXX XXXX in XXXX. In XXXX i was no longer able to affordthe payments, i contacting them to turn over the vehicle. They came and got the vehicle and a few years later i recevied paper work that the vehicle had been sold in auction and they was request an additional amount of money for the balance. It has been about 14 or 15 years since i turned the car over and i am still reveiving lawsuits and threats or garnishment for an amount that i honestly dont think i owe. I work a XXXX job barely bringing in a {$100.00} weekly and they recently sent garnishment paper to ly job for 25 % of my weekly income
Product: Debt collection

This complaint is the result of many violaitions to the FCRA committed by capital One- They have been negligent and unfair. They are reporting disccrepancies across bureaus, and they have failed to give me a fair solution to this issue. 

Here the accounts details : 1. Account number XXXX, opened on XX/XX/XXXX, limit {$3000.00}. 
2. Account number XXXX, opened on XX/XX/XXXX, limit {$9500.00}. 
3. Account number XXXX, opened on XX/XX/XXXX, limit {$750.00}. 

In order to make the work easier for Capital One, I have attached proof of all my allegations. Mu demand is to get the three items removed from my report. 

Attached documents for Capital One. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 scammers took over my cell phone through XXXX XXXX pretending to be XXXX XXXX XXXX. They opened an account with Zelle  and tried to transfer {$500.00} from my checking account. They were trying to buy bitcoin from XXXX. Fortunately payment was unsuccessful. But I tried to contact Zelle  through first XXXX XXXX and then directly to Zelle  customer service on XX/XX/2021. I was attempting to get any and all accounts associated with my name and XXXX XXXX accounts closed and deleted. One customer service tells me the other XXXXne has to do it. I just want my account closed with Zelle  because I dont want to use their services ever. And never did in the first place since it was opened fraudulently.
Product: Debt collection

I was never notified by front line asset strategie, I never had in business dealings with this company, This account just appeared on my credit file, a clear violation with no communication or chance for me to dispute the account
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, XXXX, and XXXX being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer report
ing agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither Equifax, XXXX, nor XXXX, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax, XXXX, and XXXX are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of Equifax, XXXX, and XXXX 's reporting services.