23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage loan for a house in XXXX XXXX, CA using Star Financial Corp. I received my pre-approval within 24 hours. After searching for houses, I entered into on XX/XX/XXXX for a house. After opening escrow on XX/XX/XXXX, I immedialty contacted the lender with additional info they requested to officialy sent my applciation to the underwrite. After reviewing my application within 24hrs, Loan Officer XXXX XXXX said he is not able to provide the loan. So I went ahead to other lenders quickly, while shopping around, he came back to me 4 days later and gave me a call and said he is gon na make it happen. So I provided all the docs to him again. A week goes by and he does not sent me a Loan Estimate with my rate. I asked him to send it multiple times but each time, he told me not to worry and he will make the loan happen. 2 weeks goes by and after him charging me {$630.00} for appraisal, he comes back a week after that ( 3 weeks from the start ) with the appraisal report notice and tells me appraisal came back so sign this form ( appraisal delivery form ) - XX/XX/XXXX. At this point I did not even have a copy of it. So I refused to sign the form and he got mad. He comes back same day with a loan estimate finally. He proposed a loan estimate with a rate of 7.25 % and over {$42000.00} in only origination fees not even HOA or taxes included only the fee he is gon na charge me to originate the loan. Interestingly he gives me a LE and I look at it and the rate lock started XX/XX/XXXX, which is over 20 days from the day we opened escrow and started my application. I complained about the insane interest rate and loan costs and he told me " You do not know what you are talking about. I am gon na give the loan to you and just sign it ''. After that he called me multiple times and also emailed me another LE with interest rate of 6.99 % and loan cost of over {$20000.00} and told me take it or leave it. I felt so much pressure and also he harassed me and he wanted to make me sign papers so he can over charge me. He also said, this all is gon na be fine, just sign it and we can talk after COE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX  Acct:XXXX, XXXX XXXX XXXXXXXX Acct : 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 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: Credit reporting or other personal consumer reports

XXXX IS REPORTING THAT MY XXXX MORTGAGE IS NOT CURRENT AND CAUSED XXXX XXXX AUTO FINANCE TO TURN DOWN MY REQUEST FOR AUTO FINANCING.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXXXXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by XXXX, TransUnion, and XXXX this Medical Collections account should not be on my consumer report until 6 months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until one year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until 6 months after alleged delinquency by XXXX, TransUnion, and XXXX.
Product: Credit card

My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. Please help.
Product: Credit reporting or other personal consumer reports

It was reported on XX/XX/XXXX I applied for or received funds in access of {$210000.00}. The date is the date I started working. This account was added after I met with and retained an attorney for a XXXX XXXX bankruptcy. My bankruptcy started XX/XX/XXXX and was discharged XX/XX/XXXX. If I had that amount of money it should have been documented in a bank account of mine and subsequently been denied a bankruptcy ; beings I only owed $ XXXX on my mortgage at that time. There is no financial aid on Gods green earth giving out $ XXXX. Maybe if you are attending law school or Doctor school which I am not. I did not apply for and never received any funding for that amount. I havent even applied for school in XXXX to the present day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Unverifiable Debt from Credit Report Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of a disputed account from my XXXX credit report. The account in question was a charge-off of {$700.00} from XXXX XXXX XXXX that I disputed, and as of XX/XX/year>, XXXX has completed their investigation and removed the account entirely from my report. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since XXXX has deleted this account due to its unverifiability, I am requesting that you also remove this account from my credit report. The deletion by XXXX indicates that the account is no longer verified, and thus, under Section 607 ( b ) of the FCRA, you are required to ensure that the information you report is accurate and complete. Also Fair Credit Reporting Act ( 15 U.S.C. 1681.

I encourage you to take action within 30 days to remove this unverifiable account from my credit report. Failure to do so may violate the FCRA and could result in legal action. Under Section 616 of the FCRA, I have the right to seek damages if you willfully fail to comply with the law. 
Please confirm the removal of this account in writing, and let me know if you require any further information to assist in this matter. 
Thank you for your prompt attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX Consumer Laws- Fair Credit Reporting Act ( FCRA ) - Section 607 ( b ) - Mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they report.

- Section 616 - Provides consumers the right to sue for damages if a credit reporting agency willfully fails to comply with the FCRA. Make sure to fill in your personal information and the name and address of the credit reporting agency ( CRA ) you are addressing this letter to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 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 XXXXXXXX, XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Checking or savings account

I opened a savings account at Citibank because they were offering XXXX XXXX miles for opening a new account. I deposited {$50000.00} on XXXX XXXX. It is now XX/XX/2021 and I still have not received the miles that were due to be credited to my AA account in XXXX. I have called and messaged them repeatedly. In XXXX when I spoke with them they were going to open a dispute. Last month they were working on it and needed me to resend my frequent flyer number and yesterday when I called again they are opening a new dispute?? This is ridiculous.
Product: Credit card

I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people
Product: Mortgage

Included in this complaint are documents to validate the various events that have taken place with Wells Fargo. This has been an ongoing issue since XXXX beginning with Wells Fargo filing an unreleased mortgage that included us in a foreclosure battle that should not have involved us, and has been ongoing and is still ongoing at present. This caused us to accumulate a debt of {$100000.00} for legal representation. In addition, there was d a discrepancy with the legal description of our property. Several modified agreements were rejected because of the discrepancy in the properties legal description although, we purchased title insurance. mortgage payments were returned and refused, We show several full release of mortgage entries with the XXXX XXXX XXXX 's XXXX, also showing that our property has been partially refinanced and we were not the individuals who refinanced it. Our credit report has shown " no-status since XXXX of XXXX which does not reflect any payments we have made on the property. Although we were told by Wells Fargo that we were not in their data base as their customer, they were said holders but could not produce the note. In XXXX, we received documentation from XXXX XXXX XXXX, appearing as mortgage server, showing where mortgage taxes and insurance had been paid into escrow by us. 

Because of the foreclosure process in order to keep from loosing our home were required to pay {$4500.00} up front to bring account current and {$2700.00} per month for approximately 7 months all resulting from an unreleased mortgage that was later replaced by a quiet title, however we were still held accountable to a mortgage note that had been paid. ( copy of release included in submitted documents ). 

We have continuously been in litigation for this same case that has now reached its limits according to the statute of limitation after we have received 3 dismissals of case in our favor. We are now experiencing what is legally described as " malicious prosecution ''. The case was first dismissed in XXXX, XXXX without prejudice, Wells Fargo filed a request to " Open to refile '' in XXXX of XXXX and it was dismissed with prejudice, again in our favor. Wells Fargo filed again on us on the XXXX of XXXX, XXXX, it was again dismissed with prejudice. 

We receive monthly communication from XXXX XXXX XXXX XXXX ( XXXX ) in regards to a Chapter XXXX Bankruptcy, in which we did NOT file. A lien has been placed against our property which prevents us from selling or refinancing our home. I pray that CFPB initiates a full investigation of Wells Fargo 's Mortgage lending practices in addition to their escrow collection practices and foreclosure procedures wrongfully against us that shows Wells Fargo has no right to foreclose according to the SECURITIZATION AUDIT initiated in XXXX, XXXX. We pray exposure, justice and recompense.
Product: Checking or savings account

I have never heard of a stand alone bank where when it eats your cash deposit and card that they destroy card and take up to 10 business days to credit your account..and then charge you {$25.00} to expedite your new card.had I known this was standard procedure I wouldnt have used that branch.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Its truly fascinating that in XXXX, companies like XXXX XXXX XXXX XXXX still seem to have a creative interpretation of what constitutes verification and proof of debt under federal law. Im writing, once again, to highlight the blatant disregard for consumer rights that XXXX XXXX XXXX has demonstrated regarding an alleged charge-off that is still haunting my credit report. Lets be perfectly clear : this is a demand for accountability and action, as XXXX XXXX XXXX has failed to produce legitimate proof that this debt, particularly one tied to alleged mileage overage charges, is in any way mine.

To begin, I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) where is the documented proof? Where are the itemized charges? The wet ink contract with my actual signature? Or did they perhaps forget that the law doesnt allow them to charge-off debts they cant properly verify? Im waiting for somethinganythingthat remotely resembles legitimate proof of this debt.

But instead, what do I get? A repeated charge-off still lingering on my credit report, yet XXXX XXXX XXXX continues to collect mileage overage fees. Thats quite the double-dip, isnt it? I mean, charging it off for accounting purposes ( to perhaps secure a tax write-off ) while still benefiting from their collection efforts. If this isnt a text-book example of financial sleight of hand, I dont know what is.

Let 's talk about their ongoing violations of my right to privacy. According to Title 15, U.S.C. 1681b, they are bound to ensure that any access and reporting of my private credit data is accurate and legally authorized. Failing to remove this unverified and dubious charge-off is a clear violation of my consumer rights. So let me remind XXXX XXXX XXXX that each violation of the FCRA entitles me to {$1000.00} in damages.
Product: Debt collection

Never received any notice to pay the debt. No phone calls or any letters. I don't recall having unpaid medical bills. I saw this collection on my credit report today an called the creditor an paid the debt that was owed. The fact that it was sent to collection without contacting me was shady an unfair. This needs to be removed from my credit report immediately. I had a XXXX credit score an is dropped my score badly from lack of communication.
Product: Debt collection

Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. 
I never got a letter from them just a calls. 
I checked my credit score today and because of them my credit dropped a lot.
Product: Mortgage

First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?
Product: Debt collection

Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 asking them to delete inaccurate mailing addresses from my credit report and I did not receive a response from Equifax. On XX/XX/2021, I contacted Equifax again asking them to verify the accuracy of 2 bankruptcies that are on my credit report. Equifax did not respond to my letter. On XX/XX/2021 I sent a 3rd letter to Equifax asking them to Delete the unverified bankruptcies since it's been more than 30 days and still did not get a response from them. CFPB website says that if information can not be verified and if information is inaccurate it should be deleted from my credit reports but I don't see why Equifax do not respond to letters for months past. The Equifax credit report I got on XX/XX/2021 says the bankruptcy information comes from XXXX XXXX so I contacted XXXX XXXX and XXXX XXXX SENT ME A LETTER STATING THEY CAN NOT VERIFY THE BANKRUPTCIES AND THEY DELETED BOTH OF THEM FROM THEIR DATABASE BUT EQUIFAX IS NOT RESPONDING OR DELETING THE UNVERIFIED BANKRUPTCIES FROM MY CREDIT REPORT. According to FCRA Equifax should delete these 2 bankruptcies. Equifax is preventing me from being able to buy a house and costing me thousands of dollars in interest every year by continuing to report these bankruptcies that shouldn't be on my credit report.
Product: Credit card

My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Activity : is XX/XX/year> but the Two-Year payment history reporting states status is missing to support. 
Account name : XXXX Account # XXXX