23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Guarantee Rate affinity, gave me a pre approval knowing that my new home was a manufactured home on land and had no issues with credit or down payment. We started this process in last XXXX early XX/XX/XXXX. We were told XXXXwas going smooth and that our loan was scheduled to close on the XX/XX/XXXX. I was told and paid for appraisal and the company was to have it on Friday the XX/XX/XXXX. When it went for final review the head underwriter stated that this house had to cure for 6 to 12 months. Mind you they knew from the start it was a manufactured home on land and had no issues. I received an approval of my loan on XX/XX/XXXX. And was scheduled to sign around the XXXX. That was perfect timing as my current home was sold and I had to be out by XX/XX/XXXX. The lender called me and stated that the loan couldn't go through and had to sit vacant for the time allotted in order to do the loan. I was never told this and no one ever told me anything, I was told by my realtor who the lender called and disclosed this to her. Privacy issues. They told me that they had done the appraisal and I was told the night of XX/XX/XXXX the appraisal was never done. Now I have to start this process all over and i may lose my dream home because this morgage lender lied to me and came up with a law that does not exist.
Product: Consumer Loan

A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.
Product: Mortgage

I first reached out to rocket mortgage on XX/XX/22 for a loan. They checked my credit XX/XX/22. I gave them all information concerning employment, debts, income etc. I was told everything was good and to pay a 100 % refundable XXXX $ deposit. I specifically asked on the recorded line if it was refundable and the mortgage lender said YES. Over a month goes by and Ive been talked in circles and lied too to find out my application has been denied with no reason why. I did some research and spoke with another lender and was told within 30 seconds we wouldnt qualify for a fha loan with the recent job change since the length at current job wasnt long enough. XXXX XXXX at Rocket mortgage bait and switched to get my deposit knowing this would never be approved in the first place. Now they will not give me a refund. I just want someone to look into this and hopefully get my regains or do anything they can so this doesnt happen to someone else. I was blatantly lied too and essentially stolen from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first item in question is : Name : XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX According to my Experian credit report this item should have been removed ; however, it's still showing on my credit report. Please remove. 

The next item in question are for ( 2 ) accounts with XXXX. These accounts don't belong to me, please provide proof this account is mine. Also, there are ( 4 ) accounts for XXXX XXXX XXXX, these accounts don't belong to me, please remove. 

In addition, the following accounts don't belong to me, please remove. 

Account Name XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX-XXXX   Open Date XX/XX/XXXX Balance {$910.00} Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX   XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$550.00} Debt
Product: Mortgage

I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a loan of {$12000.00} to Toyota Finance. And the salesman made him purchase insurance saying he would pay {$72.00} each month. Which I accept. But I did not know why the seller XXXX did not inform that the total amount of that insurance would be lent to the bank along with the {$12000.00}. Now the debt is {$16000.00}. Including the total amount of insurance. Which I don't agree with and I called and sent emails to get them to cancel it. I went to the dealer to have it canceled firmly and they told me it would be within 90 days. Which is not fair. Because they are charging me interest on that insurance loan. Which I pay every month and it will not be returned.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not finish account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my 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
Product: Credit reporting or other personal consumer reports

This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Mortgage

I received a loan modification offer from Select Portfolio. I had until XX/XX/22 to send in the sign agreement. Since I had been struggling to pay my mortgage due to income reduction for quite sometime, I was forced to file XXXX  XXXX. While trying to pay a mortgage and an extremely high Trustee payment I took a part time job which ended due to Covid 19. I was finally told I could enter a forbearance. Later I was given the modification. As of today my account hasnt been updated. I called to speak with a mgr and I was told that the information that I sent in signed and notarized was incomplete. After calling numerous times and getting the runaround, XXXX months later and no contact from sps, finally to let me know that a page hadnt been notarized. I have to do this all over again and pay again to send it to them. When I asked why no one had contacted me about this, she could not give me an answer. In the meantime my attorney & The Trustee are asking for the paperwork from them. This company has representatives that you can talk to on the same day and each one will tell you something different! I have been back and forth with Select Portfolio for years just to ask something simple and they tell you what they think will get you off the phone quickly. The handling of this is very unprofessional. I asked about the mortgage payments that I had been sending. At first she only saw the one I sent in XXXX. She finally found the one I sent on XX/XX/XXXX, but never answered my question whether it went toward the modification agreement terms. When I go online it shows that they are updating my file and had received my signed agreement. I just dont understand how they just get away with this!
Product: Mortgage

CHASE JP Morgan was named the Trustee and Beneficiary of a Trust Deed document number XXXX XXXX entitled substitution of trustee Deed of Reconveyance recorded XX/XX/XXXX. 1 ) Require CHASE JP Morgan to reveal it's involvement as a trustee and beneficiary ; 2 ) reveal the description of the collateral used, i.e. real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX OR personal property i.e. vessel, mobile home? ; 3 ) describe the obligation involved, i.e. consumer mortgage loan funded by a credit grantor ( one that extended credit, provide the name of the credit grantor ), a construction loan ( line of credit account ) name of party, or other description such as an inheritance ( personal property-legacy asset or Devise ( Real property single family dwelling ). Provide account information of testator ; 4 ) Require CHASE/JP Morgan to reveal if it had any involvement in a Judicial Foreclosure Proceeding sometime in XXXX of XXXX relating to real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX or Inheritance matter of personal property ( Legacy Case ) or inheritance of real property single family dwelling matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time Capital One Auto and Capital One Credit Card put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX 2.XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # XXXX ( XXXXXXXX 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 account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding the incorrect account appearing on my credit report. This issue has been damaging to my reputation, and I need your support. Your mishandling of my credit information has greatly impacted my life, and I ask that you remove these errors so I can regain peace with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun has violated my rights under section 623 ( a ) ( 2 )  willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Bank of America regarding my experience with their Ultimate Cash Rewards credit card and the associated balance transfer process. I applied for the credit card in early XXXX, specifically attracted by the 0 % APR balance transfer offer that was being promoted at the time. 

Upon approval of my credit card application on the same day, I proceeded to initiate a balance transfer for multiple credit cards, with the transfer amount based on the balances at the time of my credit card approval. Unfortunately, during the entire submission process, I was not provided with any information regarding the timeline for the execution of the balance transfer. 

The significant issue arose when I discovered that the balance transfer would only take effect over XXXX weeks after the credit card approval. This became problematic as it resulted in a situation where credit card payments were due before the transfer occurred. Bank of America failed to communicate this critical detail during the application process, leaving consumers uninformed and vulnerable to financial repercussions. 

Bank of America 's website recommends continuing payments on existing credit card balances until the balance transfer is officially executed. Following this guidance, I diligently made payments on the specified credit cards, effectively clearing the monthly statement balances. However, over two weeks after approval and after I had already made substantial payments towards the intended transfer amount, Bank of America finally executed the balance transfer. 

This delayed execution not only caused a negative impact on my credit cards but also allowed Bank of America to impose balance transfer fees on the unnecessarily over-transferred amounts. Despite bringing this unfair situation to their attention, Bank of America remained unyielding and refused to refund the balance transfer fees for the excessive amounts or reverse the unnecessary over-transferred funds. 

I believe that Bank of America 's failure to disclose the timeframe for balance transfers, coupled with their recommendation to continue making payments on the affected credit cards, puts consumers like myself in an unfair and exploitative position. The delayed execution of the balance transfer, combined with the unnecessary over-transferred amounts, demonstrates a lack of transparency and fairness in their processes. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from such practices in the future. Bank of America should be held accountable for its lack of transparency and the resulting financial burden imposed on unsuspecting customers. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX EST an individual attempted to send {$97.00} through Western Union using a debit card ( XXXX ) XXXX  # XXXX. Fortunately, the debit card blocked the transaction. However, Western Union failed to confirm that the name on the debit card matched the name of the individual sending the wire. 

On XX/XX/13 at XXXX I called Western Union about the transaction ( XXXX ). I was unable to speak to an agent because the automated phone system terminated the call because I didnt have the phone number of the person that fraudulently used the debit card.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX
Product: Debt collection

Tek collect is has sent me to collections for my deceased mothers XXXX XXXX bill, she was discharged directly from the hospital to the XXXX XXXX at the time this was happening they called me to authorize and I explained that I myself are on XXXX from XXXX and I have no authority to authorize nor am I her power of attorney. I have contacted the XXXX XXXX but they have said that they no longer will discuss this because it was sent to collections, Ive also disputed with the credit bureau but Tek collect stated it was valid. I have called Tek collet many times and leave messages and they never return my call.
Product: Mortgage

On XXXX/XXXX/XXXX, We contacted Wells Fargo Home Mortgage to request that they pay our hazard insurance in the amount of {$3100.00} and set repayment up into an escrow account. As they previously did the prior year, with no problem. When we received confirmation that this had been done, unbeknownst to us, Wells Fargo had also included {$420.00} into the escrow account for flood insurance for XX/XX/XXXX along with other fees. This was not my intention at all. We contacted Wells Fargo and were told that its their policy, if they put the hazard insurance into escrow they also had to include the flood insurance. That maybe their policy, but we should have been advised of that fact before they included the flood insurance in the escrow acct. If we had been told that when we first requested the hazard insurance be placed into escrow, we would not have bothered with their escrow account at all. We were not given the opportunity to make an educated decision regarding their new policy. We would have just made monthly payments to the insurance company and not be burdened with a large increase in our mortgage payment which has gone from {$1700.00} to {$2100.00}. We are retired seniors struggling just to make the payment of {$1700.00}, now they have placed an unnecessary hardship on us by increasing our monthly payment to {$2100.00} per month. This all occurred because they did not advise us of their new escrow policy before hand. The person investigating the situation admitted that they made a mistake, but unfortunately they could not change the outcome, because we do n't have a credit score of at least XXXX, which was not a problem when they set up the escrow account in the amount of {$4000.00}. The only option they offered is for us to pay them over {$4000.00} in full. Which is insane, all they had to do was give us all the facts regarding their escrow procedures and we would have made a different decision. They did not do that, and now they will not reverse their decision even though they made an error. XXXX XXXX told us that it is a federal law that if they escrow the hazard insurance, they must also escrow the flood insurance. That 's fine, but we should have been made aware of this information before hand, and not after the fact. This is potentially a catastrophe for us, and a total win for Wells Fargo, all they said was they are sorry. We either need to pay them over {$4000.00} in full, which includes the flood insurance that is not due until XXXX/XXXX/XXXX, or we need to raise our credit score before they can close out the escrow account. We are not asking them to close the escrow account, we DO NOT want the flood insurance in escrow. They should not have the authority to just put what they want into escrow without our consent, before hand. We were advised of this information by XXXX XXXX on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/XXXX.