23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. 

I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes?

2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes?

3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes?

4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 
5. The company 's two notices of adverse action are contradictory, confusing, and capricious. 

I believe that I was discriminated against due to my XXXX XXXX  status, in addition to having income based on government benefits and XXXX. 

I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! 

Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I formally requested XXXX, Equifax, and XXXX to investigate an fraudulent account on my credit report, after providing them with my personal information including ID and social they forwarded/ sold all my documents to the party in question. Waited more than 30 days to respond then emailed me saying the investigation was complete without providing any valid evidence or proof of their claims. I am a victim of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX XXXX has never been 30 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Product: Credit reporting

Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.
Product: Checking or savings account

There was funds being drawn out without my permission, me sending money and it not going to the right person. They updated it, and they didnt notify us previous of the problem of sending money and it going to the wrong person and making sure its the right person and not being able to get your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because I have three late payments on my record for a mortgage that I was paying for XXXX, XXXX, and XXXX, of 2020. I made these payments through green tree mortgage co. I was unaware that the mortgage co. Had changed and I was delinquent until I received a refund check from XXXX XXXX  on XXXX.i did not know that shell point mortgage servicing co. Was the new mortgage co. Due to the fact that I am a traveling nurse. I contacted shell point mortgage servicing company right away and to my surprise I was 3 months late. Even though I had sent those payments to green tree. I payed shellpoint as soon as I became aware of the problem. I am requesting these late payments be removed from my record because I played them on time in the first place. I am inclosing bank statements that prove I payed on time and did not even know I was late there was no notification of this.
Product: Debt collection

I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a {$600.00} loan with Lakeshore Loans. I understood when we spoke on the phone that my monthly payments would be {$160.00} and that I would need to pay them on my pay day every month. Well I have now paid off this loan and then some and they are still saying that I owe them {$1000.00}!! So I have paid them over {$600.00} and yet my balance right now is MORE than the amount I borrowed!? I have looked and looked in my online files and I can not find my interest rate or terms, which means I never received a truth in lending document at all. Something shady is going on for me to own them this much after I have already paid back this loan.
Product: Checking or savings account

Overtime this is happened several times with Wells Fargo Bank. I get an alert that my account is negative I go in and make a transfer during the day which would cause the account to come to a positive balance at the ending closing available balance to be positive but then I will still get a fee. I have discussed this with them several times the recent transactions was on XXXX the XXXX 2018. It seems like they're not showing a true available balance things that are pending are not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it it seems like they're not showing a true available balance things that are pending on not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it they will still charge you fees based on pending items that were not told be not a part of that negative balance. Also even if you do cover it and it was apart of the negative balance and you've over covered it by having a positive balance at the end ending balance they will still charge you a fee because at some point the account was negative during the day but your clothing balance was not negative it was positive and you can see it in the system they won't return your fees based on their error. Even after I spoke to a representative and they could clearly see that I had made the account positive as a closing balance so there should be no way I would have a fee on Bill pays cuz I transferred money to cover it they still would not return the {$70.00} worth of fees which would now begin another set of fees on other items that I have sent through my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Product: Checking or savings account

My best friend XXXX XXXX transfer to me XXXX us $ from his regions bank account ending on XXXX to my regions bank account ending on XXXX at the day XXXX, the both account was blocked and i can use my funds, and customer service said that they have to check the transactions and we also verified all the movements buy they dont want to release the funds.
Product: Student loan

Hello this is XXXX XXXX, I enrolled in a program with XXXX ( operated by XXXX XXXX XXXX on XX/XX/year>, but canceled on XX/XX/year>, well within the allowed cancellation period. I never attended any classes nor received any services. 

Despite this, I have been notified that I owe a {$3300.00} student loan through Ascent. Ascent informed me that the school must process the cancellation, but XXXX has refused to take the necessary action. I believe this is a fraudulent charge, and I request that all obligations and collections be removed. 

I am filing this complaint because XXXX XXXX has failed to cancel my enrollment or notify Ascent of the cancellation, causing me financial stress for a loan I should not owe.
Product: Checking or savings account

My checking account with JP Morgan Chase Bank has received {$30000.00} wire transfer on XX/XX/2023. Then the sender accidentally disputed that wire transfer with his bank, XXXX XXXX, on XX/XX/2023. According to him, he realized that he disputed the wrong WIRE transfer and he cancelled his recall request on XX/XX/2023 and XXXX XXXX ( his bank ) closed the case. However, my bank, JP Morgan Chase, out of nothing, restricted my account on XX/XX/2023 due to this WIRE dispute and set closure. JP Morgan Chase Bank wrongfully restricted and closed my account on XX/XX/2023. XXXX XXXX even sent a second message on XX/XX/2023, saying that the WIRE transfer was approved, legitimate and not a fraud. XXXX XXXX basially cancelled their recall, again, on XX/XX/2023. 

JP Morgan Chase bank has returned the remaining balance in my account as cashier check on XX/XX/2023 but they are still holding {$30000.00} and giving me no update, nothing. 

As a matter of fact, I couldn't pay my bill due to sudden account restriction and paid penalty fees all over.
Product: Debt collection

Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX I mailed a debt validation letter to ARS Account Resolution, and they failed to validate a debt at my request. Account # XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( INPHYNET CONTRACTING SRV LLC ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Report Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to request your assistance with inaccuracies in my credit report that have not been resolved through direct disputes with the credit reporting agency. Despite my efforts, these inaccuracies continue to negatively impact my credit score and financial options. Below are the details of my dispute 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 CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBNA 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  These accounts were discharged through a XXXX XXXX XXXX filing and should be marked accordingly. The continuation of these entries as " potentially negative '' is misleading and inaccurate. Attached, please find copies of the bankruptcy discharge documentation and previous correspondence with the credit reporting agencies regarding this matter. 

I am requesting that the CFPB facilitate a reinvestigation of these inaccuracies and ensure the correction of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I also ask for confirmation that these inaccuracies have been rectified and a new, corrected copy of my credit report be sent to me. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving these inaccuracies promptly and uphold the standards of consumer rights protection. 

Sincerely,
Product: Debt collection

I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.
Product: Vehicle loan or lease

I returned the leased car on XX/XX/XXXX to GM financial. In XXXX I received a letter stating that I owed {$1100.00} for excess wear and tear, ending lease fee, etc. I called GM Financial and they agreed to give me a discount so that I now owed {$910.00}. I was told that they would be sending out a new bill with the NEW amount owed on it. A few days later I received a letter saying that I owed the same amount. I tried to call back, but could not get through to anyone. 

Then at the beginning of XXXX, I got an alert on my credit report that I was reported to be 30 day late on a payment to GM Financial. I immediately called and they told me that when I called in XXXX, they " verbally '' told me that they couldn't send out a bill with the corrected amount on it, which they never said. Before I hung up, I paid the balance. I am not worried about the payment I had to make, I am concerned with my credit score losing 80 points because of their lack of communication. 

I tried to explain to the manager that I am a loyal customer of 4 years. I've had two cars leased through GM Financial and STILL have a lease and a loan with them. I have never missed a single payment. I want the 30 day late payment taken off my report and they kept telling me they couldn't do anything about it. Please help.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience at XXXX, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

see previous cfpb complaints # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO REPORT FRAUDUELENT ADDRESS AFTER BEING TOLD TO REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to dispute these three HARD INQUIRIES Hard Inquiries : 1- XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Mortgage

I am trying to work with Loancare and XXXX representative to set up a simple escrow to pay for my property insurance and property taxes. The first request was raised on XX/XX/2021, and to this day, the servicer refused to assist. They are jeopardizing my 800+ credit score and putting my mortgage in a possible default. 

As of today XX/XX/2021, I have emailed XXXX XXXX at XXXX, XXXX XXXX at XXXX, and XXXX XXXX at XXXX. I tried leaving them multiple voice messages on their escrow department, their phone number of ( XXXX ) XXXX ext XXXX does not appear to be functioning. They repeatedly accused me that I did not pick up the phone call, but in fact, I have been given them multiple numbers to call. 

They are refusing to service my loan and attempting to overtake my loan and foreclose my property. Please help!