23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a conventional mortgage to consolidate my debt. I received a call from the lender and the options they gave made sense. I paid to lock in my interest rate. Every document they requested I returned immediately. The original loan officer had to go out of town and has not returned my call in a while Mr. XXXX. XXXX from the office called me but she went on vacation and so my loan wasn't processed. Now I am at the last day for my interest rate to be locked in and she just told me I would have to pay another fee. I shouldn't have to pay a fee when the loan officers keep going on vacation or out of town prolonging my loan and trumping fees on me. I also appeal the appraisal because the appraiser missed all the obvious thing like smoke detectors and co2  detectors. I wrote an appeal and never received a written decision. I requested the appeal denial in writing and have never received it. They never scheduled anyone to come back out to my house. I paid {$490.00} for the appeal and should get serviced properly. Now they are rescheduling someone to come out to the house to ensure I have a down spout in the rear of the house which I told them over 2 weeks ago was already done. Loan origination date was XX/XX/2019. Adjuster came out and didn't do his job properly I appealed and did not get a decision on the appeal in writing. Requested 15 call backs since the loan origination date and received half of the calls back. Thanks for your time and assistance. Loan Depot is the company
Product: Credit reporting

The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX, I paid {$6200.00} for a full year ( XXXX ) of home owners insurance for a duplex. I paid the full invoice XXXX weeks before it was due. 

I did have a XXXX month lapse while I was securing the home insurance from XXXX XXXX, XXXX to XX/XX/XXXX. Home insurance for rental properties is very difficult to secure at this time in California. 

In early XXXX, our mortgage company, Mr. Cooper, opened an escrow account and increased my payment from {$1100.00} to {$1700.00} to cover FUTURE insurance payments. They also increased fees. 

In XXXX I contacted Mr. Cooper many times to ask how I could pay for the XXXX month lapse of coverage fee of {$230.00}. I have never received an answer. 

I have owned this duplex for 25 years. I have always had insurance and I have never missed a payment. This increase to cover future insurance payments is a hardship since this duplex is rented and I am unable to raise rents to cover this expense. I try to keep my rents affordable, and I do not want to raise rents for future insurance payments. 


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Product: Checking or savings account

Chime has what is called XXXX. Im now guessing it is a PayDay Loan type service because of my current experience. I had a limit of {$500.00} in XXXX. When your paycheck deposits it pays that back first. Yesterday ( XX/XX/year> ) my paycheck was deposited. Immediately I received an email that my XXXX had decreased from {$500.00} to {$200.00}. They essentially took {$300.00} from me. I called customer service and spoke with three different people. I was told that because two weeks previously I had a deposit of {$.00} that my XXXX had been reevaluated. Hence, the decrease. This is not ok. All three customer service reps were very rude. I was told they could not manually adjust the XXXX limit. So here I am trying to figure out how to pay my car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. Arizona XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXXXXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX XXXX XXXX  has 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 furnish an account without my written instructions.

**15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have requested all communication to stop and to send me purchase agreement to show they have the right to collect. They have contacted me after this and as threatened to put me in jail and take my property.
Product: Credit reporting or other personal consumer reports

Didnt give written permission to have Discover Bank or XXXXXXXX XXXX furnished on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Experian has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title XXXX chapter XXXX. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Experian is operating as a financial institution based off of the relationship that they have with financial institutions. 
Experian has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Experian did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Product: Credit card or prepaid card

On XX/XX/2018 I contacted customer service at XXXX XXXX to inquire about lowering the interest rate & changing the payment due date. I wanted the due date for each month to be on the XX/XX/XXXX of each month instead of the XX/XX/XXXX of each month. They refused to cooperated with me. They closed my account because of delinquent payments, but I had complied with their request to pay back payments to get current. 
The bank DID NOT contact me by phone, email, or letter that they were doing this.
Product: Credit card or prepaid card

Today, I called The Cash app customer service due to not receiving my XXXX deposit. I have had more than XXXX direct deposit come from my XXXX XXXX  account to my cash app card. As of today I will no longer be using Cashapp. Whenever I contact customer service through chats, I have to wait almost XXXX to XXXX hours for a message back. Today I decided to call and the representative talked over me. Told me I was wrong. The representative told me I don't know what I was talking about. He yelled at me and told me that he can't give me his first name. Then I asked for his first name, He said his first name so fast that I couldn't hear it on purpose. I asked for his name again and he told me he couldn't Provide me the information. and then he talked over me again and told me since that he provided me with the information, that he couldn't transfer to a supervisor. He then said that he will be ending the call and hung the phone up on me. I was asking simple questions pertaining to my direct deposits. He told me since I don't know the exact day my deposit was sent, that he couldn't help or provide me any help from a supervisor. I called back immediately to speak to a supervisor. A representative by the name of " XXXX '', said she couldn't provide me with the last representatives first name. I told her transfer me to a supervisor. She said she would need to know the nature of my call. I told her again I need to speak to a supervisor. She said the same thing over again. Then she waited for XXXX minutes to tell me she can't get in contact with a supervisor. I then provided the rep with the case number for consumer financial.
Product: Credit reporting or other personal consumer reports

I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), specifically referencing section 602 ( a ), which emphasizes the need for consumer reporting agencies to handle responsibilities with fairness, impartiality, and respect for consumer privacy. As such, agencies like XXXX and Experian must adhere to these principles. 

Delete these accounts immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also any inquiries not connected to open account Further, per 15 USC 6801, financial institutions have an explicit duty to respect customer privacy and safeguard their nonpublic personal information. This act defines any entity furnishing information to credit agencies as a financial institution, thus including ( Furnisher of Information to Credit Agencies ) under this definition.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only share consumer reports with explicit written consent from the consumer, which neither XXXX, Experian, nor ( Furnisher of Information to Credit Agencies ) have obtained from me. Therefore, I am formally revoking any form of consent previously granted, whether explicitly or implicitly.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose personal information without informing the consumer of their right to opt out, which ( Furnisher of Information to Credit Agencies ) failed to do. Additionally, 15 USC 1681C ( a ) ( 5 ) restricts reporting adverse items without permission, and 15 USC 1681s-2 ( A ) ( 1 ) and 15 USC 1681e demand accuracy and reasonable procedures from reporting agencies, which have been disregarded in my case.

Lastly, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services entirely. I expect XXXX, Experian, and ( Furnisher of Information to Credit Agencies ) to comply with these statutory requirements and cease all reporting and sharing of my personal information immediately.
Product: Mortgage

I am a XXXX Veteran. I was contacted by USAA and told that I was pre approved for a mortgage, and they assisted me with figuring out monthly payments, and a GFE. 
The told me about the program that the government has regarding discounted home taxes. They asked me my XXXX amount, ( 60 % ) and told me that my house taxes would be reduces by that amount. When the qualified me for the loan, and I found a home they used that number for the taxes, and it greatly reduced my monthly payment. 
At no time, did they ever explain any other parameters for that program., or state that the taxes had any chance of not being reduced by 60 %. The link they even sent me for the government program, does not say the taxes are subject to any other local parameters. 

After I closed in XXXX, I then found out that the tax exemptions have to be filed for by a certain time to be counted for the following year. Because I closed in XXXX, it was already past that point. 
I filed, and the earliest they tax exemption I would get was now 1 1/2 years away. 
I made arrangements to pay the mortgage payment that was now {$2400.00}, not the {$1400.00} they estimated me, for the time being. 
When I filed for the tax break, they could not confirm the amount, and stated I had to wait until it kicked in, next year. 
When the " tax break '' finally kicked in, I found that it was a 60 % reduction on state and federal only, NOT school, which was the bulk of the taxes. 
my tax break was barley {$1000.00}. which I get in a lump sum, and my payment is still $ 2450 monthly! 
Each school district decides how much of a break, if any, to give. This was never even mentioned to me- and would have greatly effected my decision on where I purchased my home. 
I am now stuck with this {$2400.00} payment, and just barley making the payments every month. 
I am a single mom, XXXX veteran, on a fixed budget. Not fully explaining this program, and providing me with monthly payment estimates, and qualifying me for a loan based on a number they had no control over- was completely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXXXXXX XXXXY ) XXXX Balance {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$130.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Collection : XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX  XXXX Balance {$730.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Collection XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX {$1200.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed my Bank of America ( BOA ) online banking no longer gives me the right to access my checking and saving account. 

I called BOA in the middle of XXXX and BOA informed me that they closed my account. I did not receive any phone call, email, or text notice from their action. 
I was told BOA has the right to end the client relationship with me and my money will be mailed back to me via check. The associate states the check would be sent to my billing address. 

On XX/XX/XXXX, I received the noticed of account closure delivered to my billing address. 
In the latter of XXXX, I called BOA again because I have not received the check. The bank associate stated that the check might be lost in the mailing process. I was told I need to wait 90 days for the check to expire so BOA would send another check to me. 

In XX/XX/XXXX, I called BOA multiple times to track the process and BOA asked me to call back after XX/XX/XXXX to initial a stop payment process and a new check request. 

On XX/XX/XXXX, I called again to follow up my request. BOA associate actually informed me that the first check was delivered to a wrong address ( previous billing address ) I no longer have access to. I asked BOA to change my address to my current address and start their process of sending out the check. 

On XX/XX/XXXX, I called BOA to follow up. The associate told me they have no updates from the last request and suggested me to file another stop payment request. I confirmed now they had my correct address and requested as they told. 

On XXXX XXXX, I called BOA again to check the process. BOA claimed they don't have updates due to extreme weather in their headquarter in Texas. They suggest me to wait 7 to10 more business days. 

I was very unpleased about what BOA did to my accounts. I have been a client for nearly 6 years. 
First of all, I do not think it is appropriate to close a client 's account without notice advanced. 
Secondly, I have been misled for almost 3 months because they send the check to a wrong address. 
Thridly, I do not know what took BOA so long to send another check. It has been a month past their 90-day rule. They did not automatically initiate a new check and they have not been protecting my interest in a responsible manner. 

The amount I had on my accounts with BOA : Checking- XXXX USD Saving- XXXX USD BOA has breached my enjoyment of life and violated my right on my property. They have failed to treat their client with fairness and honesty. 

I demand BOA return my money via check in a timely manner and I need to keep my right to seek justice and compensation via the legal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.
Product: Mortgage

Our loan servicer Plaza Mortgage transferred our loan on XX/XX/21. At the time they are stating that our escrow balance was {$11000.00}. The new loan servicer XXXX Mortgage stated that they only received {$3000.00} from Plaza in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 12 weeks later I have not been able to get this resolved from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 12 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected. I am not sure why I have to keep ping-ponging back & forth between Plaza Mortgage & XXXX Mortgage. Why don't these 2 companies get on the phone with each other, see where the ball was dropped and make me whole again? This is issue is NOT getting resolved. I do not understand that approx. {$9000.00} is missing from escrow account and neither company is held accountable. Isn't this grand larceny?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are inquiries that I did not authorize. The entries in question appear to be inconsistent with my recent financial activities, and I am eager to resolve this matter promptly. I kindly request a thorough investigation into the origin and purpose of these unauthorized inquires. Additionally, I would appreciate the expeditious removal of these entries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, I recently purchased a washing machine and dryer from Lowes for a total of {$1300.00}. At the time of purchase, I set up a XXXX installment payment plan through the Lowes app. However, despite this agreement, my Lowes credit card charged my bank account for the full {$1300.00} in a single transaction. 

As a result, I will be late on my rent payment, which could negatively impact my credit history. I have an XXXX child, and I was in the process of purchasing a homethis unexpected financial burden has disrupted those plans. Additionally, I work for the XXXX, and this issue may have professional consequences for me. The financial strain caused by this charge has placed significant stress on me and my family, forcing me to take out a loan with interest to cover essential expenses such as rent and baby formula, diapers, etc. 


I appreciate your prompt attention to this matter and look forward to your response regarding a fair resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have had a XXXX XXXX account since XXXX. My account has always been current - as a XXXX studentXXXX and professional. My current balance is {$19000.00}. 

I was laid off from my job in XXXX, XXXX. I contacted XXXX regarding my job status in XXXX, XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ 97 monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. XXXX did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XXXX and XXXX sold my debt to Unifund CCR , LLC in XXXX, OH. I am still unemployed and they served me court papers recently informing me that Unifund is suing me for approx. {$22000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?