23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at XXXX % ( my income is {$31000.00} per month + rent {$3500.00} from property ) my obligations is ONLY @ XXXX for the mortgage on the rental property I own in XXXX XXXX XXXX , CA XXXX 2.Delinquency regarding my late payment on the XXXX credit card was explained in a document was submitted to USbank, the amount was {$300.00} and we did not received the final bill because of our move to XXXX on XX/XX/2013. 
3.They are no revolving accounts for me in XXXX except the mortgage including insurance + tax for my property in XXXX XXXX , which is {$3900.00}, and I pay {$5000.00} every month for 15 years mortgage. 
4.Unable to verify employment is completely untruth, XXXX for my employer ( XXXX ) here in XXXX and XXXX were never contacted by USbank or anyone representing USbank. 
5.I have been working with XXXX for the last 17 years going on my 18 years and complete records of my salary and positions are available in the XXXX system. 
6.My FICO score is XXXX
Product: Checking or savings account

Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.
Product: Credit reporting

I was recently notified that credit was requested from XXXX and XXXX. I am currently XXXX with the XXXX XXXX and have not requested credit from either of these sources. I am trying to remove both hits from my credit report as it should not be shared with others and should not affect my credit score because it was not me placing the requests for credit. I have also placed an XXXX alert on my account. When I contact Experian at the phone number provided to place the XXXX XXXX alert it took multiple calls as I was hung up on without ever being given the option to place the XXXX XXXX alert or speak with a person. I finally was able to find my way through the automated system to place the XXXX XXXX alert but have been unable to find a way to dispute the XXXX and XXXX credit checks that appear on my credit reports. Both XXXX and XXXX have acknowledged that neither requests for credit were actually requested by me. 
Thank you
Product: Mortgage

I am writing this complaint against Chase Bank in respect to XXXX payments I made to them under the XXXX XXXX XXXX Program between XX/XX/XXXX, and XX/XX/XXXX, I had made XXXX XXXX  payments in the form of XXXX bank XXXX drawn by XXXX Bank and made payments to XXXX. 

Currently the XXXX in question at is in XXXX and I have been XXXX over the past XXXX years. I will be appealing against the XXXX but the reason I am submitting this complaint is because I am alleging bank XXXX on the part of Chase, the successor to XXXX. I assume it is beyond the purview of your agency to investigate why XXXX took XXXX months worth of payments from me and still refused to permanently modify our XXXX under the XXXX program. However, it is within the scope of this agencys purview to investigate how and why Chase took payments totaling close to XXXX and never applied any of it towards the XXXX amount. Its not just XXXX, its bank XXXX. 

Also, since these transactions involved use of telephone, email, internet, XXXX, their actions constitute XXXX XXXX on XXXX and XXXX levels. I am attaching to this complaint XXXX files. There is a copy of my XXXX XXXX XXXX, detailing my issues with XXXX XXXX XXXX unfair practice in the XXXX application. There is a XXXX with XXXX of most of the bank XXXX with XXXX documentation. There is a copy of XXXX of the XXXX applications I had submitted. As stated, they made me resubmit all XXXX every XXXX months, so the attached copy is not the XXXX XXXXXXXX submitted but is XXXX in every way other than the XXXX submitted. There is a XXXX  with a stack of XXXX and XXXX that pertain to the XXXX struggles I experienced. There is a XXXX XXXX from Chase in which they acknowledge XXXX were made and the modification not made XXXX, yet no statement of where the nearly XXXX went in their system. Lastly, I am attaching the XXXX XXXX XXXX that show only XXXX in suspense with a XXXX XXXX balance of XXXX 

I want to add that as stated in my XXXX XXXX, that my XXXX had made it known to me that the XXXX XXXX  balance of the XXXX at the time they started XXXX XXXXXX/XX/XXXX, was XXXX and the alleged XXXX XXXX balance set forth in the referees report dated XX/XX/XXXX, is the XXXX XXXX of XXXX. That is proof that XXXX accepted these payment without applying XXXX to my XXXX and when Chase assumed the XXXX, they made no corrections despite being made aware of the XXXX XXXX of my XXXX. There have been XXXX, XXXX XXXX and now we are in the state of XXXX XXXX XXXX, so Chase is well aware of my XXXX and XXXX. 

As per your XXXX to investigate the parts of this matter within your purview, I ask you to investigate Chase Bank for the following XXXX  accusations ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other XXXX XXXX or XXXX laws and bank XXXX they may be in violation of as discovered by XXXX investigations, as well as determining if Chase did this to other XXXX  XXXX applicants.
Product: Debt collection

I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.
Product: Credit card

My wife was having problems accessing her account with AVANT. 
She was not recieving emails for password reset. 
Today My checking account ( we have auto pay for minimum ballance ) XX/XX/year> was hit by Avant for the total ballance of her account {$1900.00}. 
This payment was not authorized by her. 
When she contacted the company they wouldn't let her into the account. They said she gave them the wrong email address than that on file. 
We have tried everything to get them to let her into the account to no avail. 
I believe someone hacked her account, triggered the payoff of the account from my checking account on file. The Avant account would then have a XXXX ballance so they could charge or make withdralls. 
We need resolution to this problem asap as my checking account is now overdrawn in the ammount of {$800.00} plus dollars. 
I can see where AVANT doesn't care they have been paid off and we are standing out in the cold with NO money.
Product: Credit reporting

They re-inserted XXXX inquiries that had been previously deleted and old debt
Product: Mortgage

On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX  {$400.00} # XXXX XXXX XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX XXXX {$450.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Credit card

Contacted Bank of America multiple times to try and adjust interest rate and payment on credit card bill to finical hardship. Each time I was tossed around and never given a straight answer. Immediately after finally deciding to just close the card I was charged {$45.00} in interest more than I had ever been charged before and I was denied the ability to use my {$15.00} earned credit card points. Bank of America has constantly denied me any assistance. I have requested it multiple times and they deny me for any reason.
Product: Mortgage

I accepted the Covid forbearance from Wells Fargo. Now they want to foreclose. What do I do? XXXX ready to resume payments but they want to foreclose??? What do I do?? Help.
Product: Checking or savings account

On XX/XX/2017 someone cashed a fraudulent check from my account for {$5500.00}. On XX/XX/2017 I saw the transaction on my account and immediately contacted my bank and filed a fraudulent charge claim. In the last year I have filed two police reports and made multiple attempts to get my money bank but U.S. Bank has refused to return my money. They told me that it's my fault the check got stolen, and that I shouldn't carry checks on me or keep checks stored in my home. Then they told me the only way they'd return the money is if I pressed charges against the person who cashed the check, even though I have no idea who cashed the check. U.S. Bank also refuses to give me details about where the check was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

Hello, This is not the XXXX time I have submitted a complaint about OCWEN home loans but this is enough! As of right now they have people coming out to the property address and taking pictures. 
I have submitted docusments for a modification and I still havent gotten any word from them. I tried calling several times and cant understand anyone who answers the call. Its impossible to understand what they are saying except they are transferring my call and it disconnects. I have had it! Not only are they not sending us any of our information- this violates ALL consumer laws. Nothing has been sent to us except a big packet of paperwork showing they send everything to our previous address. I am not getting XXXX shred of documention. 
I requested a modification and they legally are supposed to work with us modifying before they foreclose ... however someone coming and taking pics of our property is usually a sign that a foreclosure is near- we have not been notified- or given paperwork or a chance to save our home. I am sick about this. I work for a lender and this would NEVER happen or we would have been sued over and over again. Ocwen needs to get their stuff together, I cant contact them because its a dead call and I tried to email them and got a return email. I am at a loss as I cant contact anyone and they are trying to foreclose on a home that was violated by many laws as well as RESPA- years of paperwork hasnt gotten to us.
Product: Vehicle loan or lease

XX/XX/XXXX - paid off a lease buyout for {$11000.00} for a XXXX XXXX XXXX that had a lease maturity date of XX/XX/XXXX. 

XX/XX/XXXX - submited odometer reading document and fedex account number to hyundai motor fiance as requested. 

I have called customer service and the lease end dept literally every day sincenpayingnoff the buyout to ensure I had done everything I was suppose to and that there would be no issues or surprises. 

XX/XX/XXXX - XXXX was told that the title was to be released and mailed overnight with my XXXX account number on Friday, XX/XX/XXXX. I would recieve no later than Saturday, XX/XX/XXXX. 

I did not receive the title on XX/XX/XXXX. 

Instead on XX/XX/XXXX when i called to request a tracking number, i was told it woudlnt be mailed out until Monday, XX/XX/XXXX. 

Title was notnmailed on XX/XX/XXXX. On XX/XX/XXXX i was then told that titles are only mailed Tuesday and Thursday. 

I was then told my title would go out overnight from my XXXX on XX/XX/XXXX and i would receive XX/XX/XXXX absolutle latest. 

It is now XX/XX/XXXX and still no title has been overnighted to me. 

From XXXX I have called multiple times every single day to ask for updates, a tracking number, stslatus of title etc. 

I have literally been told conflicting information by every single time. That includes the time I was told on thing by a rep then transfered to a supervisor who gave me the exact opposite on THE SAME CALL! This happened during two different supervisor calls. 

During this time I have also been hung up and cursed at by a supervisor who was responsible for taking escalated calls. His name was XXXX. 

I have been lied to. 

I have lost multiple offers to sell this vehicle due to their continued failure to deliver on the promise of having the title to me by specific dates. 

I was offered $ XXXX for this vehicle by XXXX that was good up until the day after I should have received my title on XX/XX/XXXX. The offer as of today has gone down to {$15000.00} and will likely expire before I get the title if I ever do. They have cost me XXXX XXXX XXXX thus far. 

I have sent at least 30 emails requesting a update and tracking number with ZERO responses. 

Customer service refuses to help and states they have no way to contact the title dept. 

This complaint is my last resort to get any type of hopeful resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently affected by Equifax reporting wrong credit score is in the wrong account information on my consumer report. I recently received an adverse action for a consumer credit transaction. I am certain this information is why I didnt get approval for my consumer credit transaction and would like to submit a demand for removal, not an investigation dispute. Equifax violated my rights and privacy. I understand pursuing to 15 U.S.C 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuing to 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I did not give written consent for Equifax to furnish a consumer report on me. They are violating 15 U.S.C 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. .Equifax is choosing to ignore the law and violate my federal consumer rights. Equifax is in significant violation of 15 U.S.C chapter 94 Privacy - Subchapter 2 - FRAUDULENT ACCESS TO FINANCIAL INFORMATION ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : Creditor 's Capital One Acct # XXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information. Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. I request that XXXX XXXX investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An 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 a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXXXXXX XXXX  Inquired on XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America needs to be investigated or shut down they are hiring employees that dont know how to do what the customers need them to do someone filed a room without my permission on XX/XX/XXXX they left my account pending for XXXX weeks the person. Assigned to my case in the back Office got upset me because I made complaints about my account whoever he or XXXX is went into my account and found a claim From last year and out my account in the negative they waited XXXX weeks to tell me That one of the representatives did my claim wrong and actually duplicated my claim Last year but Im Just finding that out when they put my account in the negative thanks to them I have no money to pay bills at all and they are not treating my account right at all Im currently looking for a lawyer because I feel I need to be compensated for XXXX years of incompetence from a bank that is supposed be professionally but they are just lost Confused uneducated thiefs and liars to their customers amd they are stealing from the poor my claims have police report numbers iv faxed over but Im being told that they have no record but I have proof that I did send it in more then once shut this bank down now please