23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of purchasing a home through US Bank. I am in a US Bank American Dream Loan which is suppose to help low-income buyers, like myself, obtain a mortgage. This is not what is happening with this loan product. I have been through this program two times and I still do not have a home. I have lost thousand of dollars because the bank does not explain, in details, the full process of the American Dream Loan. They do not tell me that any repairs are over {$4900.00} will turn the loan a rehabilitation loan. They do not tell me that if the amout of repairs over the appaisal value will have to come out of my pocket regardless of whether or not the repairs are under the {$5000.00} mark. They do not tell me the process for the American Dream Loan will take more than three months to complete because you have to find your own licensed contractor to do the work that bank is requiring. Why does n't the bank have a list of contractor who have worked with the program and bank to facilitate an easier process. None of this information was given to me at the time I applied the first time for the loan. It was only after 7 months of trying to purchase a home did US Bank give me this information along the way. Over the course of those 7 months did US Bank reveal to me pertinent information little by little. They are leaving information out to be spread over the entire process and this caused me to waste myr time and my money. I was not able to come up with an additional XXXX % when I had paid for all the prepaids and only had my 3 % down payment. Based on these scenarios, the American Dream Loan is not for low-income buyers. In my opinion and experience with the process, it seems that low-income buyers within the central city do not have a chance XXXX of completing this loan based on the housing condition in the central city. Most low income buyers are unable to get a conventional loan. The large number of affordable homes for myself in the area will need required repairs ( over {$4900.00} ) and these repairs are over the appraisal value ( which most will be ). This is my second time around in this loan program and I still can not get to closing. I just want to close on the property, pay my mortgage and live my life. US Bank should be ashame of leading low-income buyers on with this program while the buyer loses thousands of dollars. This program does not help the low-income buyer nor is the information about process of this program divulged to buyers. The American Dream Loan should be investigated. I am sure I am not the only buyer who is or has gone through this with US Bank
Product: Debt collection

Supposedly I have a debt with XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$1400.00} for a visit that I supposedly made which is not the case, so PARAMOUNT RECOVERY SYSTM included it in my credit report in XXXX and that the collection It was generated in XXXX of this same year, a situation that I have not generated on my part because I have paid all my bills with my different creditors, which they can verify in my credit report.
Product: Mortgage

The first week in XX/XX/2021 I Changed my home owners insurance From XXXX XXXX to XXXX XXXX. I followed the link provided by my mortgage company and uploaded the declaration binder per their instructions. 

On XX/XX/2021 The mortgage company disbursed the payment to XXXX XXXX. 
My account at XXXX XXXX states paid in full. I could see the change on my account at the mortgage company so I believed everything was fine. 

On XX/XX/2021 I received an email from the mortgage company stating they had just made my insurance payment. Suspicious at this point I investigated and shocked to find that my mortgage company ( Specialized Loan Servicing ) Had disbursed another payment to the other insurance company, XXXX XXXX, which I already cancelled. 

This caused an escrow shortage of over {$2000.00} I have an email from the mortgage company admitting they made a mistake and telling me to return the money when I get it refunded from XXXX XXXX. 

It has been 15 days and XXXX XXXX claims they never received the payment. 
XXXX mutual has asked me to provide the check number showing proof that it cleared the bank. Specialized Loan Servicing has refused to give me this information when I requested it and started giving me the run around. Now they threaten to punish me for the mess they created by adjusting for the XXXX escrow shortage.
Product: Checking or savings account

I recive a letter from discover a month ago welcome me to the new account I never open acaunt in discovery olso they call me but I didnt call back because I dont have nothing w then
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees and NSF applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started paying attention to my credit report since I am in the process of purchasing a home using my VA home loan. I noticed that my credit report had tons of inquiries that I never authorized or gave consent to. I disputed the inquiries with Equifax and the result came back that they were verified consent which is false. I never authorized any of these inquiries and constitute this as fraud. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

The name of the collection agency is XXXX XXXX XXXX XXXX ( XXXX ). 
The dept is from XXXX XXXX according to them, I did attended the hospital in XXXX But not the date that the collection gave, I was not seen by a doctor, I did perform XXXX  and drip was given to me by a nurse, and final bill was sent to me and I paid it in full. XXXX XXXX is a fraudulent collection agent, for the following reasons, when I saw the report on my credit report, without account number and I did demanded for the details and they collected my SSN, date of birth and recorded it, I do asked them for the number of the original debtor but it was withheld from me, I called the hospital to request for the details and no details was produced or found. 
This fraudulent act caused me a new job that I got, due to financial delinquencies. I need it removed and deleted from my account without a trace. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Establishing Stop Payments and Paid the fees for Stopped Payments, only to have the Bank not stop the payments, causing my account to show negative balances for almost a complete month sometimes. When addressing the issue with the Wells Fargo bank, I am continually patronized and the dispute ignored... sometimes a claim is filed... sometimes a temporary credit is issued then the same temporary credit is reversed without notice weeks later. I have also been told to use small claims court. I have always given proof of Merchant errors, as well as Wells Fargo Errors. Wells Fargo has collected funds from the merchant and from me at the same time during the same disputed transaction. I HAVE PROOF. This is currently happening, and on several occasions in the past. The correction is not recognizable in the transaction history of my accounts, but all of a sudden my balance is more or less than expected, and I do have emails to show the errors, though my accounts do not show them. The amounts vary from {$0.00} - {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my mortgage account with XXXX now XXXX. XXXX has reported to the credit reporting agencies that my account is in forbearance even though I NEVER requested or agreed to forbearance, and I have repeatedly notified XXXX that I am NOT interested in forbearance and was seeking only a Loan Modification. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report. 

On XX/XX/XXXX I called XXXX at ( XXXX  ) XXXX-XXXX  to request a Loan Modification due financial challenges related to the COVID-19 pandemic. I eventually received the documents and on XX/XX/XXXX, I applied for a Loan Modification. XXXX  acknowledgement of my application dated XX/XX/XXXX, included a notification that I was approved for a Forbearance Plan. I immediately notified XXXX by phone and email that I was NOT interested in Forbearance and was seeking only a Loan Modification. At XXXX request, I submitted updates to the application and additional documentation on XX/XX/XXXX and XX/XX/XXXX each of which XXXX acknowledged with notification that I was approved for a Forbearance Plan. I immediately responded to each notification with a phone call that I had NOT requested Forbearance and was seeking a Loan Modification. I also notified XXXX in writing at XXXX that I had NOT requested and did NOT want Forbearance on XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, I was notified by XXXX by mail that while my Loan Modification was not approved, I had the option to appeal this decision and that I was being offered a Forbearance Plan instead. I responded immediately by mail appealing the decision and indicating, once again, that I am NOT interested in a temporary Forbearance Plan was seeking a permanent Loan Modification. In a letter dated XX/XX/XXXX, XXXX notified me that my appeal was denied and that I have 14 days to accept or reject the Forbearance Plan that I had been offered. I responded immediately via email on and XX/XX/XXXX and once again rejected the Forbearance Plan. On XX/XX/XXXX I learned that XXXX had reported a XXXX  balance forbearance plan to all the credit reporting agencies, and that this forbearance was now reflected on my Credit Report. I called XXXX on XX/XX/XXXX and was advised to call the XXXX Credit Dispute line at ( XXXX  ) XXXX-XXXX. The first representative hung up on me immediately. The second representative placed me on hold for 74 minutes before hanging up on me. 

I am outraged that XXXX would report a Forbearance Plan on my Credit Report that I NEVER requested, NEVER consented to and repeatedly indicated that I did NOT want. As a result of, XXXX egregious behavior, my credit score may be negatively impacted. I am also outraged that XXXX has not responded to any of my requests to remove the Forbearance from my Credit Report and has responded instead with silence and stonewalling. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sage stream unlawfully obtained personal sensitive information with out my consent both written or expressed and has major discrepancies in their reporting compared to the three major credit bureaus
Product: Debt collection

I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX XXXX and credit card account to remove these account from my report and they have not.

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF XXXX
Product: Checking or savings account

I purchased a trial of XXXX XXXX at the cost of XXXX dollars on their website. the site kept trying to upsell me on more bottles. I kept saying no but when I look at my account a whole other amount. I have been waiting it has been more than three months. Please Assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX. Please repair and update these accounts immediately.
Product: Debt collection

This collections company is fraudulently attempting to collect a debt that is not owed along with submitting false information on my credit profile and violating my consumer rights. On XXXX XXXX, XXXX, and XXXX all deleted the original collection account from my credit in which was proved that the information provided was sufficient enough to have removed. The damage to A/C Units is not proved to be caused by me, I was told that I did not owe anything and the original creditor 's manager at the time indicated that I already had paid a payment in advance that would suffice ( see the documents sent in the prior complaint ). This collection agency has refused to speak with me in regard to the matter each time i have called and i have recordings of those attempts to speak with the representative over the account. Per the The Fair Debt Collection Practices Act ( FDCPA ). The XXXX  prohibits debt collectors from using unfair, deceptive, or abusive practices to collect debts. The company has violated my rights in a number of ways, despite this being a fraudulent collections account, the collection company has failed to send me notice of this account being adjusted as they say it was, also I was never formally informed of this collections account that is new as they reported to the credit agencies. If this is associated with the previous collection account that was removed this is in fact illegal what they are doing.
Product: Money transfer, virtual currency, or money service

I borrowed from. Cashapp the first time XX/XX/year> I borrowed a few time as cashapp sent me my borrow cashapp statement. Cash App scammed me by taking over 40 payments unauthorized from my bank account
Product: Payday loan

In XXXX XXXX I accepted an online loan offer from CashnetUSA for {$1400.00}. I 've repaid them more than 4 times the amount I borrowed. In the meantime I learned that ''payday '' loans were banned in Maryland as of XXXX XXXX. Can I stop collection?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, Equifax, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Equifax data breach. In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Am involved in XXXX XXXX breach my personal information was exposed to XXXX of people I ask XXXX do a full investigation and they failed block to perform the investigation on the inaccurate and negative accounts here is a list of 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
Product: Student loan

I have sent XXXX XXXX different items in an attempt to have my signature loans forgiven. They denied it for a second time after I sent my bankruptcy discharge with their own account listed! I have sent in a copy of my Social Security earnings. They do NOT offer a list of items to send in. You talk to someone on the phone. Ive already sent in my Borrowers discharge for XXXX XXXX. Second time I sent in my XXXX bankruptcy discharges. After they denied that I asked again, what do I need to send in to show that I do not have the income to pay for these loans. It is a financial hardship. On XX/XX/year> I sent in a social security statement that I printed from Social security website that shows I have NO income. XXXX/MOHELA has not responded and its been over 60 days.
Product: Checking or savings account

I recieved four emails from Bank of America regarding an application and approval for a Bank of America Advantage SafeBalance Banking account being opened in my name. I did not open this account. I attempted to contact Bank of America, but their automated system told me that they are closed. 

I did not apply to open the above referenced account. 

I don't understand how Bank of America can allow people to open accounts after business hours, and apparently without any form of identification.
Product: Money transfer, virtual currency, or money service

I am not able to withdraw my funds from Blockfi account and i want to ensure that my digital currency is not taken by this company
Product: Credit card or prepaid card

I originally purchased ( XX/XX/20 ) a XXXX XXXX XXXX with my XXXX credit card through TD Bank. The sale price of that phone was reduced with a trade-in of my current phone. The phone that I traded in was XXXX. The amount agreed upon for trade value was {$500.00}. The amount that XXXXTD Bank gave me was {$290.00}. I then started to experience problems with the new phone ( XXXX XXXX XXXX XXXX. 

I then returned the XXXX XXXX XXXX for a full refund within the 30 day waiting period. The refund that I received for the return did not include the full value of the purchase plus return. I then ordered XXXX XXXXXX/XX/XXXX ( XX/XX/20 ) and was charged double for that phone. 

I have spent over 12 hours in total on the phone with XXXX support and TD Bank trying to resolve this matter. At this point I am still being charged double for my phone and have not received the credit for my {$500.00} trade-in XXXX phone. I also received an email that my trade value was accepted on XX/XX/20.
Product: Debt collection

XXXX called and informed me of the debt. Got hostile when I told him to respond in writing. Told me Im 46 and to pay my billsthis is ridiculous when I tried to explain my rights he laughed and told me I said the wrong thing.