23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am refinancing my mortgage with Residential Home Funding ( RHF ) and wanted to complete the process as a  XXXX . The existing mortgage company is Ocwen, and assumed servicing the loan when GMAC went out of business. I was told that their process would cost me {$600.00}. and would take 6-8 weeks to complete. I started the process on  XXXX    XXXX   and the title company for RHF handled the initiating process. I reached out to their lead person for the process (   XXXX   XXXX   ). After waiting for 8 weeks, Ocwen informed RHF that they did not have the orignial note. RHF ask for a Lost Note Affidavit in lieu of the note so that the closing could proceed, and Ocwen refused. I have written to  XXXX  and just left another message for her today (  XXXX / XXXX /2017 ) pleading that they provide the affidavit since the original note is lost as she has indicated in her email to me. My ask is that they provide the document before I lose my interest rate lock and are penalized and I have already paid their fee of $  XXXX .to engage the process. As a consumer, I feel that I am caught in the middle of a bureaucratic nightmare that is truly one company 's policy, that at the very least should have been stated up front before they took my money and down this 8 week path to no where.
Product: Checking or savings account

1. During 1 month period, Chase has done multiple DUPLICATE DEPOSITS ONLY TO HAVE them all SUBTRACTED. EVEN THE TELLER PUT THROUGH deposit TWICE. EVEN WHEN I DISPUTE IT IS PUT THROUGH TWICE. CHASE IS DOING THIS SO WHEN I SEE DEBIT I WILL OVERLOOK Chase WITHDRAWING MONEY. FOR THIS TO HAPPEN 3 TIMES IN 1 MONTH IS NO ERROR. 
2. I TRIED TO DO A PURCHASE YESTERDAY-5 TIMES MY CARD WAS DECLINED. CHASE ADMITED TO  MONITORING AND DECLINING MY CARD 5 TIMES. WHY IS CHASE PERSONALLY WATCHING MY TRANSACTIONS BUT NOT THEIR OWN DEPOSITS? I WOULD LIKE TO KNOW-WHEN I CALLED, CHASE REPRESENTATIVE LIED AND SAID I DIDN'T RESPOND-BUT CHASE NEVER CONTACTED ME.
Product: Checking or savings account

On XX/XX/18, while on the banking website, saw an offer to switch the checking account to a Cashback Rewards Checking account. Followed the steps to do so and received the following error : We are unable to complete your request. The system is currently unavailable. We apologize for the inconvenience. Please try again later. 
I called USAA and they opened a web support ticket to inquire why I was unable to process the request when the banking agents confirmed there were no issues they could see that was creating the hassle. 
I followed up with agents on XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and was consistently informed web support was still working on the issue, keeping me on hold while the agents tried to find out more information, calls being disconnected after extensive holds. I did receive a voice mail on XX/XX/XXXX from a XXXX in web support asking me to call back USAA. When I did on XX/XX/XXXX, I spoke with XXXX, and after the extensive hold and the call disconnected, I had not followed up since, waiting for another voice mail update. 
I called today, XX/XX/XXXX, having received no further voice mails and still receiving the same error message on the banking website. I was informed by XXXX, in web support, that the ticket had been closed XX/XX/18 and he would need to open a new one. 
I've been told the banking agents themselves are unable to process the request to change to the Rewards account, that only clients can initiate and complete the request/transfer.
Product: Credit card

Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond.
Product: Credit card

they charged me a returned check fee when I paid my charge it was with my correct bank and i had money in the bank and they returned it and charged me a XXXX fee they told me they would take if off and then now they told me they cant take it off and i feel they are being not fair in the credit card situation. i feel it should be fair when they charge
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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: Vehicle loan or lease

I purchased a car XX/XX/2021 the amount financed was {$12000.00} it was my first time buying a car off the lot so I wasn't aware of how they would take advantage of me. So as I'm reading my paperwork I can see that the car lot and bank is in a lot of violations. First they never explained to me the extra charges or the finance charges and when I went in I went for a consumer sales transaction but was charged a who different type of transaction I spoke with XXXX different people at the lot about the situation but to no avail I also spoke with the bank and all they did was send a copy of the paperwork I already have. They are in violation. 

Usc 15 1611 ( 1 ) give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulations issued thereunder. 


USC 15 1605 ( a ) XXXX XXXX in connection with any consumer credit transaction shall be determined as the sum of all charges.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. Trans union has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Debt collection

Received a letter statement in the mail on XX/XX/21, dated XX/XX/21 from Credit Collection Services, stating I need to pay {$120.00} and the Creditor is XXXX XXXX XXXX. 

My name was slightly misspelled and I paid this bill to XXXX in full, so I went online and looked up the phone number provided and the name of this " collection service ''. There is conflicting information, some stating it is legit but with a bit more digging, this is a scam.
Product: Bank account or service

On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.
Product: Vehicle loan or lease

I am one of Wells Fargos auto loan customers and am wondering if I am eligible for the payout from their recent problems they had with the mismanagement of loans.
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a debt notification letter stating I had until XX/XX/XXXX to dispute or request validation. They received my request on XX/XX/XXXX and proceeded to flag the debt as a collection with XXXX on XX/XX/XXXX advising them it was an account opened on XX/XX/XXXX. I believe this to be deceptive practice and a FDCPA violation. Furthermore they did not report it as a medical account owed from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive filed several disputes for XXXX XXXX XXXX with Equifax. Ive provided proof that XXXX XXXX is my original lender and not XXXX. I provided proof that the terms and amount listed is incorrect. I requested via certified mail that equifax provide the documents used to verify this account or remove the account if no docs exist and equifax refused. They only responded by saying the account will be removed in 7 years and my personal information was confirmed. I spoke with a agent and she said that they do not have any documents to provide and that XXXX verbally confirm the account belongs to me. I expressed several time that the debt belongs to XXXX XXXX  and XXXX should not be listed as a original creditor on my report nor should they be listed as an auto because i have never had an auto loan with them. Equifax told me that do not have the capability to remove an account and I would need to speak to the creditor to get them to remove it. Although I have my original creditor for that loan on my report as a closed account which is XXXX XXXX sales and proof of my contract with them which is proof that I dont have a auto loan with XXXX XXXX XXXX is providing inaccurate information being the original creditor, 151 months for the term on a auto loan. XXXX XXXX is the original lender and they have went bankrupt and I expressed that the debt was included in a bankruptcy but once again Equifax is failing to investigate properly. XXXX is reporting inaccurately to the credit bureaus and Equifax is failing to investigate properly and protect me as a consumer which has now ruined my credit. If there are no documents verifying that XXXX is my original creditor ( a contract or agreement ) then there is no reason Equifax should be refusing to remove the account and telling me to contact the creditor.
Product: Debt collection

In or on approximately 2016 t I went to XXXX XXXX XXXX got a loan. I went into store and paid off the accout with my bank which was fXXXX XXXX XXXX checking account .i notice that the company went to debit recovery solutions for collecting the pat due amount. In the month of XXXX XXXXthe have accesses my credit file 3 times in one month. I called bank to get the information with no response from them. I have a witness to this effect that we walked into XXXX XXXX XXXX and paid off the loan. From and to my understanding it is illegal to hit someone credit report more than once in any given time period
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - Capital One - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to proper investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Account number : XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 366 consumer credit plan as late for did purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquiry XXXX/XXXX be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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: Mortgage

The entire mortgage process with Rocket Mortgage has been chaotic, but the closing process is the worst. They didn't communicate with the title company or with us and they delayed our closing and still haven't provided the correct closing disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX