23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I was searching for loan lenders and Minto Money popped up on XXXX. I applied for a {$400.00} loan because I needed help making a tuition payment for school. I got approved and received funds soon after. They were never ( still aren't ) transparent about their rates, fees, or loan periods. I also have since found out they are not regulated by state laws. I have made 9 biweekly payments so far of {$100.00} since XX/XX/22. All payments made through automatic bank payments. I never get any sort of receipt or confirmation email. Nothing. My bank is just charged every XXXX weeks. When I contacted them through their website asking to see how much more I owed, their customer service agent offered to " lower my rates '' ( with no explanation ) if I simply verified by bank login info (? ) through something called " XXXX ''. They then right away sent a text to my phone number asking for verification but I did not respond nor proceed to give out any more information because when I looked them up I found many reports of lawsuits against them including reports of identity theft and scamming. I am extremely concerned and am asking for help as I've given them all of my info ( through process of application ) including my SSN. I was in need of assistance so I took out a loan from them back in XXXX but they were never upfront about their rates or about the payment plan before anything. I feel like I've been taken advantage of and am struggling because of the payments. Mainly I'm concerned that they have my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX XXXX and Experian showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Experian is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and experian refused to remove it. And still stated that XXXXXXXX XXXX  verified on XX/XX/2020. How is that possible when the dispute came from their company? Experian also is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries ; I don't have any knowledge about them, and the company did it without my consent.
Product: Mortgage

I feel I was discriminated against due to race ( XXXX ) and age ( early XXXX ) from my appraiser ( Older XXXX Male ) on my home value, causing me not to qualify for optimal rates. 
I applied to refinance my house XX/XX/XXXX my loan finally closed XX/XX/XXXX My appraisal was completed XX/XX/XXXX pricing my home below market value & Chase would not allow for a 2nd appraisal or consideration Filed a complaint with CFPB on XX/XX/XXXX, heard from chase a week later that they will review Finally heard back on XX/XX/XXXX with chase saying they found no wrong doing & my case is being closed I asked to submit documentation I had for consideration & was told it doesnt matter they made their decision At no point during Chase investigation did chase try to work with me to get more details or provide specific answers to my question Chase rep listened to my initial complaint and took notes but only follow up was they were working on my case that took over 1 month I believe incorrect data and bias data was used to set the appraisal for my house On my XX/XX/XXXX appraisal the main house used to set the price point was a home sale from XXXX when the market conditions were different I would like to know why such an old house sale was used, why consideration to use more recent sales data was ignored On my XX/XX/XXXX appraisal the housing trend was marked as stable & In Balance home price in my area had shot up and there was a shortage due to covid These negative bias factors in setting my home price affected my appraisal value The lower appraisal value disqualified me from optimal rate My current home value + Solar panel lien required an appraisal of $ XXXX in order to achieve 25 % loan value Appraisal of $ XXXX priced my house at {$320.00} a sqft which was the lowest for any home with XXXX data on the appraisal report My house had extensive renovation that included : New bathrooms, Kitchen, floors, paint, tankless water heater, appliances, solar panels & expansion of the house Chase statement Chase states since my loan was sold to XXXX XXXX nothing they can do Chase stated since appraisal was 3rd party vendor all they can do is monitor for future issues Resolution I would like a refund on fees that I wouldnt have paid if I received a fair appraisal Original lock in agreement was 2.5 % with ( {$1000.00} ) Credit ( 25 % loan to value disqualified me ) Instead I paid {$4700.00} at 2.625 % Fees paid + refund due = {$5700.00}
Product: Credit reporting or other personal consumer reports

As a victim of human XXXX  and by supplying all the required docs stated by FCRA Section 605C, Equifax did not block or delete the inaccurate information on my credit report.

Also, they mentioned that they sent me written communication about the results but I never received those.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to an inaccurate account reporting on my credit. I never received any notifications in regards to the investigation results & it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Mortgage

My wife and I submitted an offer on XXXX XXXX XXXX, XXXX, FL, XXXX. We already had financing in place and submitted our pre-approval letter with our offer. However, in order for our offer to even be considered, Caliber Home Loans required that we get pre-approved through them. I was not comfortable with this as I know RESPA strictly forbids mortgage steering even if it is for pre-qualification. We cave to their request because we absolutely love the home and wanted to start our family there. 
It went to a highest and best offer scenario, which the listing agent, XXXX XXXX, contacted my agent on XXXX/XXXX/2015 around XXXX and advised her that Caliber Home Loans accepted our offer, contingent on the change of the closing date, reduce inspection period to 7 days, and they wanted us to use Caliber Home Loans financing. I was again uncomfortable with this " mortgage steering '' activity, but we love the home and did n't want to lose it. Caliber Home Loans interest rate was XXXX % while I was pre-approved at XXXX % with my already secured financing. My realtor sent listing agent a text message advising him that we accepted the changes and he replied stating he would update portals so the bank is aware. 
On XXXX/XXXX/2015 at XXXX, I received an email from XXXX XXXX at Caliber Home Loans stating, " Congratulations! I understand that you have an accepted contract on the XXXX property. I would like to schedule a time to talk with you about next steps. When will you be available to talk? " I did not hear back from XXXX after informing him I was available to speak at anytime. At approximately around XXXX, I was then informed by my realtor that there was a mix up and XXXX Caliber Home Loans representatives were working on the file and XXXX offers were simultaneously accepted and that the bank decided to accept other offer. 
Not only did we lose the home of our dreams, we have received an additional hard credit inquiry on our credit as a result of the listing agent and his client participating in the forbidden act of " mortgage steering. '' If our offer was accepted, we would have instant equity in the home in the area of {$30000.00}. 
Further, Caliber Home Loans fees seem to be relatively high and the least sophisticated consumer would not know any better.
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding XXXX XXXX XXXX Purchase and Lack of Inspection Report I hope this message finds you well. I am writing to express my extreme dissatisfaction and concern regarding the purchase of a XXXX XXXX XXXX through Vroom, facilitated by United Auto Credit, and to formally register a complaint against both entities. 

On XX/XX/XXXX, I received the aforementioned vehicle via delivery, and since then, I have been facing significant issues with its safety and overall condition. Despite my repeated requests to the dedicated sales representative, XXXX, for the inspection report, detailing crucial aspects such as the brakes, wheel alignment, and the need for an oil change, my inquiries have gone unanswered for an alarming two months. 

The safety of the vehicle is my primary concern, as the brakes are evidently in poor condition, the wheel alignment is subpar, and an oil change is urgently required. These issues pose a serious risk to both myself and other road users. 

In an attempt to address this matter, I have also reached out to the XXXX XXXX via email, seeking the inspection report. Unfortunately, my efforts have been met with silence, leaving me frustrated and concerned for my safety. 

Given the gravity of the situation and the lack of response from both Vroom and United Auto Credit, I am left with no choice but to consider legal action to protect my rights as a consumer and address the safety concerns surrounding the purchased vehicle. 

I request your immediate attention to this matter and a prompt resolution to ensure the safety and reliability of the XXXX XXXX XXXX I acquired through your services. Please provide the inspection report without further delay, and I expect a comprehensive response within 24 hours
Product: Credit reporting or other personal consumer reports

My information was affected by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  in 2024. I have been affected by transunion, Experian and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX. Fast forward to XX/XX/2022 XXXX closed the account and it has a {$0.00} balance on my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. I called the company XXXX regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that XXXX didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022. 

I then filed a dispute with XXXX to investigate to get this item removed but nothing happened.
Product: Debt collection

XXXX XXXX XXXX from the firm THRIFT MCLEMORE LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Has been harassing me with unsolicited emails and mails to my private residence asking me to pay or collect a debt that doesn't belong to me and says he will proceed by suing me if I don't pay him and his company {$80000.00} within 5 business days. 

This is very unethical and quite disturbing that this person and debt collection company have my private residence address and could harm me at any given point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns
Product: Student loan

Back in XXXX i contacted the nelnet department regarding settling with lowering my payments and i was told to fill out a defer form, which i tried to submit.The school no longer exist and there were allot of fraud going on with the XXXX XXXX XXXX which i attended back in XXXX .I offered everything i possible can to get some help and i can not seem to get any help.The amount that was stated was XXXX dollars which is not accurate. I feel like i was scammed out of an inaccurate amount.
Product: Money transfer, virtual currency, or money service

I use coinbase and its trading site XXXX to buy bitcoin. XXXX had website problems with their ethereum  sales on X/XX/17. They are investigating ethereum transactions. I do n't have any ethereum in XXXX. I have XXXX bitcoins and XXXX cash. XXXX has put my assets on hold without giving me a reason as to why. I have submitted several support tickets but they are refusing to release my aaaets or respond to my emails. Please help release my funds being held illegally. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Accounts and Account numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an investment account with Robinhood. They indicated they were terminating my account due to a violation of agreement terms and conditions. This occurred on XX/XX/2024. On XX/XX/XXXX, they indicated they could not verify the source of remaining funds in the account. They asked for additional documentation to validate the funds, which I provided. I sent a written communication via email on XX/XX/XXXX requesting them to disperse my money. Since then, they have not been willing to communicate with me. I simply want the money in the account transferred back to me. It is my money and they refuse to even engage.
Product: Mortgage

I purchased a house with XXXX Mortgage in XXXX. In XXXX of XXXX, I started a PMI or mortgage insurance removal request with XXXX because the equity in the house had reach the threshold for PMI removal at 20 %. I preceded with XXXX instructions and provided a written letter along with a " reappraisal '' fee. In XXXX of XXXX, appraisal agent came to the house and appraised the property. 

In XXXX of XXXX, XXXX sent a letter to me informing me that they had sold my mortgage to Freedom Mortgage, beginning XX/XX/XXXX. I called and talked with XXXX weekly throughout XXXX, hoping to have the PMI removed before XX/XX/XXXX. By the last days of XXXX, it did not look like XXXX Mortgage would complete the request. 

In XXXX of XXXX, Freedom Mortgage took over the loan. I preceded to call and ask about the progress of my PMI removal. On XX/XX/XXXX, Freedom Mortgage called to say that the request was denied and that I did not meet their LTV ratio. The loan has over 25 % equity or LTV ratio, so this finding seems false. Freedom Mortgage 's own website states that PMI removal can be requested at 20 %. 

Please advise and assist. 

Best,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a debt forgiveness offer by XXXX XXXX XXXX via mail, I emailed the company to verify if the offer was still available, the offer was : To pay " special offer balance '' of {$2000.00} and my account will be marked paid in full. The company confirmed that the offer was available and provided an address to send the check. I sent a check of {$2000.00} first, then {$26.00} totaling in {$2000.00} in XXXX of 2019. This was a cashiers check from XXXX XXXX XXXX XXXX. 
After paying the balance I waited a month and the company did not update my credit report. I emailed them and they said they would contact Experian but nothing changed. I then filed a dispute with Experian by speaking with a representative over the phone, I also sent the letter that was sent by XXXX XXXX XXXX and a copy of the checks sent. 
Experian completed the dispute as " remains the same ''. I called again, to find out why it was not updated. Experian Rep. explained that it can not be removed and my dispute was to have this item removed. Me and XXXX XXXX XXXX have communicated via email and telephone that the item ( Charge Off ) can not be removed but should be marked paid in full in accordance with the Debt Forgiveness Offer. After verifying again with XXXX XXXX XXXX, it seems as though we are on the same page and Experian is not updating my credit report. I filed another dispute in XXXX and the dispute came back again " remains the same '' showing that the balance was still {$2000.00} instead of {$2000.00} and not marked paid in full. My last dispute was to verify the accuracy of the information on XXXX XXXX XXXX and again explaining my situation to an Experian Representative.
Product: Mortgage

Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.