23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently met with local branch manager to discuss options for HELOC. I was concerned about a drop in my credit score over the last year, and a fair amount of debt. I wanted to see if I had options prior to diving into an application that would ultimately have a further impact on my credit score from a hard inquiry. The manager told me my credit score was fine, and we could proceed with application for a {$36000.00} HELOC. He was confident of success, especially as we would consolidate some of my debt. 
However, the application was ultimately declined, due to " not meeting their underwriting scoring criteria '', for the following reasons : 1. Too many recent inquiries 2. Number of accounts over 30 days delinquent 3. Insufficient mortgage credit history/not enough information The only one of those three reasons that is accurate is that there have been a few recent inquiries on my report. 
I have NO delinquent accounts showing on any of my credit reports, and Regions Bank have failed to provide me with information about these alleged delinquencies ... they refer me back to the credit bureau, which has no derogatory information. 
Also, Regions holds my mortgage loan so I am baffled as to the allegation of " lack of information ''. If they mean that I simply have not held my mortgage loan long enough, why did the allow the process to start? Again, they hold my mortgage so they knew at the start how long I have had it I approached the manager in good faith, with all my cards on the table. My mortgage information has always been available to them from the start, since the loan is held and serviced by Regions. At the very least, I should be entitled to a copy of the negative information that was reported, and the source so that I can fix any inaccurate reporting. I should not just be fobbed off and told to ask the credit bureau - who is clearly not the source of any negative reporting. I monitor my credit very closely and I have no derogatory information on my record. 

Their " underwriting scoring '' practice is very concerning to me ; I was approved for my first mortgage of {$120000.00}, by the same bank, with less than FIVE MONTHS of full time employment ( I had been unemployed for ten years prior to that ). I have banked with Regions for five years, have checking savings and a personal line of credit, all of which have been conducted satisfactorily, without as much as a late fee or overdraft fee. How do I not meet these " secret scoring requirements '' after three years of stable employment and credit, but can get more than 3 times the ask with little to no history? Sounds a bit dubious to say the least.
Product: Student loan

I have a student loan of {$6200.00}, there was a student loan relief and I applied for it and it currently on hold right now. As of XX/XX/XXXX, I paid an amount of approximately {$3400.00} and my loan balance was about {$2800.00}. However, I also did apply for the student loan payments refund that I made during the freezing time of COVID at the time I applied for the student loan relief and got approved for that back in XXXX, I received an email stating that I got approved. My loan balance reinstated the end of XXXXbeginning of XX/XX/XXXX and the balance went back to {$6200.00} which took a huge drop for my credit card score as well. I then received a check of {$400.00} on XX/XX/XXXX as a part of my loan payment refund. I did not receive the rest of the payments that I make which was around {$2900.00}. I call EdFinancial to get an update regarding to the rest of the payment and they told me it took about 45-90 days to have it processed so I then waited and called them back around XXXX to get another update and I got the same feedback to wait for another 45-90 days but it's been over 60 days since I last called them and I still have not received anything. I then called them again in XX/XX/XXXX to get an update just to receive the same thing to wait another 45-90 days because they don't have an estimate time. I have talked to my other friends who have a different service provider and they gave them an exact estimate wait time and got their refund back around the given time. However, with EdFinancial I kept getting the same information to wait and it wasn't helping as much. Since the student loan relief is currently on hold at the moment, I want to be able to get the payment back just in case it does not get approved in XXXX so I can have the payment to pay for the student loan that just got reinstated. Thank you.
Product: Checking or savings account

Deposited a check from XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX through mobile deposit to account XXXX. Chase received funds from XXXX and then closed my account retaining same funds stating that they needed to speak with XXXX XXXX regarding validity of funds being mine to fix the hail damage on my car. Provided letters, lien release and multiple phone numbers to chase. They refuse to disburse funds stating that the phone numbers are not verified. The phone numbers are listed on the Internet and all XXXX correspondence. Representatives refuse to disburse funds. It has been XXXX months. I want my money. The car was traded in and paid off at XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2021, I received an email from Marcus congratulating me for a new CD account. I called Marcus customer support immediately as I had an old CD account expiring in XXXX and I do not wish to have a new CD. The agent informed me that I was 3 days too late and the CD has already been automatically renewed into a new CD with uncompetitive interest rate under the terms and conditions when I opened the old CD account. I told Marcus that there was insufficient disclosure from Marcus when the old CD was expiring in XX/XX/2021 that it would get automatically rolled into a new account, and this is clearly a UDAAP violation to deceive customers into opening a new account without informed consent. After escalating to customer support manager, I was told that Marcus considered that it was sufficient for them to only include this clause in their terms and conditions when I first opened the CD account a year ago and they did not need to disclose it at the time of CD expiration. I was told by customer support that I would be charged ~ {$19.00} early withdrawal penalty. I consented on the phone of account closure and told them that I disagreed with this fee and would file a CFPB complaint for insufficient disclosure and fees by Marcus on automatic renewal. In addition, Marcus also did not send me any receipt of the early withdrawal penalty it charged my account as the CD account disappeared from its website after closure.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year the student loan amount was lowered and my credit score has yet to be reflected on that new low amount and I would like to have that updated it has been over 6 months
Product: Money transfer, virtual currency, or money service

To whom it may concern at citi bank In response to your letter sent This will be my last message to you so rejoice, but I will not fail to let u know that you have failed me as a bank.

You seem to blame everything on me with excuses that information I provided was wrong ( recipient name and account number ), but you have failed to take responsibility for your own mistakes- As a bank which I use to trust and with your years of experience in banking- Are you not suppose to know that an account number is wrong or right? especially when the digits are short some numbers or realize that account numbers are usually XXXX, XXXX or XXXX digits? - is this the first wire transfer you are sending to XXXX? Are you a amateur bank? Do you not know that XXXX transfers may require transit number from your so many years of experience? If you have to wire a transaction with the wrong account number before u can realize that it is wrong then you are an amateur bank and what ever system you are using XXXX you are not really an experienced bank like u claim. You blamed it all on me -Citi bank you should take responsibility too and refund my money because it is your fault and you should know better- my account number is accurate - only the transit number was not added which Citi bank did not produce a column for me to add it - Citibank pls take responsibility for your mistake -get a better system that works - your system XXXX- it is designed more to steal from me than to figure out accurate transaction processes. I hate your bank now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions comenitycapitalbank/acad {$480.00}
Product: Credit card or prepaid card

In XX/XX/2022 Citibank Shop Your Way Rewards card offered me via email a deal FIX IT UP AND GET REWARDED ... spend {$1000.00} on qualifying home repairs to receive XXXX bonus points. I activated the reward. I was contemplating replacing our custom shower door and this prompted me to do so. I called my credit card BEFORE I charged {$2400.00} to XXXX XXXXXXXX XXXX  XXXX to verify that this purchase would give me that deal. They assured me it would. 
( I have other credit cards that would have given me a cash back for that purchase but I chose this great deal instead ) As of yesterday XX/XX/XXXX no points were assessed on my account so I called XXXX and they said I had to call Citibank XXXX XXXX I called them and a hard to understand foreign person did not make any sense to me so I asked for a manager who spoke XXXX. The manager said XXXX XXXX used a XXXX to charge my purchase therefore it did not register on their end as a Home Improvement item. They will NOT honor my request. How can a consumer know that??? 
I am hoping you can help me as this is the SECOND offer from this credit card that they have back peddled on and refused to honor in over 2 years. 
Thanks I have all the paperwork to show I did all I should do on my end and hopefully they recorded my XXXX call to verify I asked BEFORE I used the card for that purchase. 
It is hard for me to upload the email but I just copied and pasted it. 

citi.com XXXX, activate your special limited-time offer! 
XXXX XXXX Inbox Shop Your Way Card <shopyourwaycard@info16.citi.com> Unsubscribe To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX  Earn XXXX Bonus Shop Your Way Points on eligible home improvement purchases until XX/XX/2022. 
Shop Your Way XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX smiling people work together outside to build a wooden chair. 
Fix it up and get rewarded! 
Earn Bonus Shop Your Way Points on eligible home improvement purchases made with your Shop Your Way XXXX. 
XXXX, activate this limited-time offer now to earn XXXX Bonus Shop Your Way Points when total eligible home improvement purchases of {$1000.00} or more are made using your Shop Your Way XXXX from XX/XX/2022 ( or the date you activate this offer, whichever is later ) through XXXX Power Drill Icon Home Improvement Activate Your Offer Dont wait offer ends XX/XX/2022! 
If you've already activated your offer, thank you! 


copy & pasted my receipt for the shower door here- Re : Estimate XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Sent XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  Please order my door with the satin finish! 
Thanks so much XXXX XXXX Sent from my XXXX XXXX On XX/XX/2022, at XXXX XXXX, XXXX wrote : XXXX XXXX Dear XXXX XXXX : XXXX XXXX Please review the attached estimate # XXXX for your shower enclosure options measured earlier. The price options are listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
> > Feel free to contact us if you have any questions or if you would like to order. 
> > We look forward to working with you. 
XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the total charged is {$2400.00}
Product: Checking or savings account

On XX/XX/XXXX I was contacted by a man claiming to be from Wells Fargo Fraud Dept. He was notifying me about fraudulent activity on my acct. I opened my app and found there was fraud on my acct. 
I started receiving texts from the same number Wells Fargo uses to send me codes, has me tell the the codes as verification. I told the man posing as Wells Fargo the codes numerous times and when I questioned it, he gaslighted me with scripted XXXX same as Wells Fargo. He finally slipped up and asked me for my entire social security number. I immediately hung up and called the number on the back of my debit card. 
I was assured it was fraud, but that they could fix it. I spent XXXX  hours on the phone with WF to close out my accounts ( both saving and checking ) and reopened new ones so no further fraud could occur. A new debit card was also ordered. 
On XX/XX/XXXX I called to ask questions about the fraud and was told everything I had previously had been told was wrong. I was also told not to question how or why it occurred and not to blame Wells Fargo or they just wouldnt give me my back. 
XX/XX/XXXX I went to Wells Fargo in XXXX, XXXX and spoke with a banker who helped me file a corporate complaint and was assured they knew it was fraud, a well known fraud, and that it would be handled and my monies returned. 
XX/XX/XXXX I was told my fraud claim had been rejected as not fraud, because I gave the man the codes. 
His phone number is registered on XXXX as a WellsFargo branch in XXXX. An attached link takes you to WellsFargo.com. He used Wells Fargos texting system to text me. Either he is fraudulently using their name and company, or Wells Fargo themselves are the fraud. Either way, its still fraud. 
Every time I talk to Wells Fargo I am asked to share codes that say not to do certain things. If I dont give them the codes, they will end the phone calls. Same as the fraudster. How is a customer supposed to tell the difference when the experience is, Just do it, or else with both the fraud and the bank themselves?
Product: Credit reporting, credit repair services, or other personal consumer reports

Paste what I sent you right here
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a statement of dissatisfaction concerning customer service at LexisNexis and the other 3 credit bureaus. After recently finding out I was a victim of identity theft I tried calling only to get a voicemail and no return call. I needed to submit all of the documents proving this was not me in order to remove the fraudulent information from my record. This all happened because someone maxed out credit cards that I rarely used, and then filed bankruptcy so I wouldnt get calls from the creditors. At this point I dont know what to do since this has massively affected my life.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit card

On or after XXXX XXXX, 2011, I opened an account with Discover Financial Services. Someone stole my identity along with my credit card information and they proceeded to fraudulently use my credit card. This has happened on several occasions and each time I reported the fraud in a timely matter. To date Discover is holding me responsible for charges and fraudulent payments that I did not make. They have also retained an attorney to collect on this debt that I do not owe. I have all the required proof of fraud and I have applied Discover with this information multiple times to no avail. Lastly, Discover has violated my consumer rights by consistently reporting erroneous information to all XXXX major credit bureaus which has left me credit deficit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are furnishings and continue to furnish inaccuracies on my credit report after repeated disputes. The agencies would say that inaccuracies are verified. How did they do this verification process? For example XXXX XXXX has account charged off which is written off so it is considered income which should not be reporting on my credit report and have not received copy XXXX  of 1099 for tax purposes. Late payments are also experience I have with the company and should not be reporting, no such thing as late payment. XXXX XXXX XXXX XXXX has a few accounts on my credit report with inaccuraciesas well. Charge off account written off which is considered income and should not be reporting on my credit report. I have not received any copy XXXX XXXX  of 1099s for tax purposes. XXXX XXXX reporting late payments as well which are the experiences and transactions between me and the company, so there should be no late payments. There is a collection account on my report from a third part in which I do not have a contract with. How is this company furnishing my information without my consent and they have to right to do so.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  I had XXXX $ worth of XXXX in cashapp I was trading and selling through them, after seeing btc/ bitcoin dropped I went to go transfer my money and I had the option to sell it and get the balance on my cashapp balance I sold the btc and it said XXXX $ would be available in my balance, I waited a couple hours and I was thinking its probably just taking awhile because its a decent amount of money. I never received my money and when I went to find a support agent they said they would contact me about my concern and I never received any type of help. And then on the same account in XXXX I had XXXX $ in XXXX and I sold it, again I never received my money and I spent months trying to find ways to contact them and all I ever got was AI saying someone would be with me shortly. It is now XXXX and I had to sell my car just to be able to pay rent after losing my money to them. Since then Ive made a cashapp and after getting a direct deposit from work they closed my account saying I broke terms of service even tho theres nothing I did I only used it 3x. Im fed up with them and I want my money back in full or Im going to take serious legal action in court
Product: Credit card or prepaid card

I received Comenity Bank XXXX XXXX XXXX Mastercard in XX/XX/2022. I used it a few times and then it was repeatedly denied. I hadn't even received my first statement. Called the number ( XXXX ) on the card. Went through a menu with no answers and asked to be connected with a customer service representative. The menu said I was being connected but then I get a message that says I am calling an invalid number and the call ends! I tried this a few times. Then I created an online account and tried to message them on their website for help. It was just a bot responding with no answers, except just referring me to the same number on the back of the card. I wrote to the bank but no response in 3 weeks. The bill is due soon so I tried to access my online account but I'm locked out of it. I tried to change the password but it says there's no such account number. There are more charges but I can't see them. I am worried about giving them by bank info over the phone to do an electronic payment since it doesn't seem like a real credit card. I called the number again today ( about 3 weeks after my first attempts at calling ) and I still get the same message that the number doesn't work. I sent in a payment through my bank but it takes about 9 days to transfer for some reason.
Product: Credit reporting or other personal consumer reports

Credit karma is stating that I have had XXXX late payments in the last XXXX days and I have not had a late payment in XXXX years. They also always tell me that I am preapproved for credit cards but then when I apply I get denied and credit karma doesnt do anything to remedy that